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Small Business Funding

start up business

There are plenty of options to get funding to either set up or grow a business, here are some of our top funding guides:

  • What funding options are available to small businesses
  • Grants available for small businesses
  • What is peer-to-peer (P2P) lending?
  • Small business guide to raising money on Funding Circle
  • Raising money for your small business is a time-consuming endeavour. And you are unlikely to have time or resource to waste on activities that are at best ineffective, at worst actively putting investors off the idea of funding your business.

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    Seed capital which is also referred to as a seed money is the initial money start-ups use to get started on their business. The name comes from the idea that a seed is the beginning or the start of something. Seed money can come from various sources, therefore seed funding itself is not a form of funding. Although the sources of seed funding vary, the most popular source is investors, also known as Angels.

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    Merchant Cash Advance (MCA) is a relatively new way of funding small business growth and is rising in popularity. It’s a great alternative to traditional funding such as banks, which are becoming increasingly hard to get funding from. ‘Alternative’ methods of funding have become the only viable options for SME’s as banks are making it increasingly difficult with the rigorous credit scoring system.

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    Unless you’ve been hiding under a rock, you’ve probably heard about cryptocurrencies. The meteoric (and overinflated) rise of Bitcoin has firmly planted the disruptive technology in the minds of everyday consumers. And as a result, many companies looking to raise money for their business have probably asked themselves whether they should be running an ‘Initial Coin Offering’, or ICO for short.
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    It doesn’t matter what size your business is, there will come a point where you’ll have to consider funding (such as a small business loan) in order to take it to the next level. This additional finance might be used for a number of beneficial investments, including hiring extra staff, buying additional equipment, or moving to larger premises.

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    The social and political landscape is changing. Driven by the digital revolution and gathering pace as the number of so-called ‘digital natives’ reach adulthood, this paradigm shift is a result of society shunning traditional leadership models and preferring direct connection instead of intermediation. It’s because of this shift that crowdfunding was born, and the effects it’s having on society are far more profound than many realise.

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    If you’re raising money for your business, don’t ignore the Seed Enterprise Investment Scheme (SEIS) and the Enterprise Investment Scheme (EIS). These offer new and growing young businesses in the UK attractive vehicles for securing inward investment. They benefit both the investor and recipient – and they are backed by the Government.

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    In the past five years, crowdfunding has skyrocketed in popularity as a way to bring innovations to life and has become a great contender to more traditional methods of funding. It has given entrepreneurs access to capital through the people who are most excited about their idea, and want to help it become a reality. This real-time interaction with ‘the crowd’ provides invaluable insights into the market for a given product, and allows entrepreneurs to tweak their products to better fit their customers’ needs. There’s no denying that there are are some major crowdfunding mistakes which can be made, however they can be easily avoided.

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    Essentially equity crowdfunding is the process through which a large number of people provide money to a business in return for shares in the company.  It might not be the easiest way to raise funds, but if done right, it can bring you a lot more than just cash.

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    What started as a way for startups and entrepreneurs to gain access to capital has transformed into a industry worth over $34 billion (£23.9 billion). Most people think of crowdfunding as simply a way of raising funds for projects, but it’s actually much, much more. It’s also a great promotional tool and an effective way to build a community of supporters, so to use crowdfunding as a marketing platform only makes seems natural.

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    Starting a small business can be a challenge, and finding the finances to fund your business is perhaps the most challenging part of it. You may struggle to attract investors, whether these are Angel investors or banks. However, if you follow certain steps it will help you attract the appropriate investor for your small business idea.
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    Lots of businesses want to raise funds – very few are actually successful. This is because the job of fundraising is poorly understood. And to make matters worse, raising funds is more of an art than a science. Before you start on the fundraising journey the most important step is to identify whether you need equity or debt – or a combination. Clive Hyman FCA, the founder of Hyman Capital Services explains the difference between the two and what is suitable to your business.
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    Access to funding is a major concern for many small businesses. At a time when there is so much uncertainty about the direction of the UK’s economy, not having the money needed to keep going or grow can cause anxiety for a lot of companies. One of the most common reasons behind a lack of money is reluctance from banks to offer business loans.
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    Venture capital is a form of funding for businesses. It varies from multiple other ways of funding because it deals with huge sums of money as well as requiring equity in exchange for investment. In this article you will find out how venture capital (VC) works and how you can get funding. VC is becoming a prominent part of UK business funding, with around £2.5 billion invested through venture capital in 2015 alone. Additionally, there are currently 22 VC firms operating in the UK.
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    Lendable, a peer-to-peer lending platform is becoming increasingly popular and growing at an incredible rate to rival its competitors.
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    Funding Circle is one of the most prominent methods of getting loans for UK small businesses. In this guide, we will focus primarily on this method of financing, explaining how it works and why it’s such a great way of financing your business that you should definitely consider. [read the full article]

    Peer to peer lending is a way to get finance without the involvement of any official financial institution. However, there are certain platforms you can use to get funding. The peer to peer lending websites are known as platforms and will vary from website to website. In this article you will learn what peer to peer lending actually is and what are the pros and cons for using this particular method of funding.
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    Venture capital is a form of funding for businesses. Venture capital is financing that is provided by investors, known as venture capitalists to start-up businesses. Venture capitalists will only invest in your start up, if it shows potential for long term growth. This form of getting funding for your business can sometimes be difficult as it will need to meet certain expectations and guidelines.
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    There are multiple ways of getting funds for your business and getting grants is one of them. Grant funding may not to be suitable for everyone, especially if you require a large sum, however it is still a great way to get funding. Having a thoroughly researched and detailed application, will ensure you have a chance of being successful in getting the grant. Here are some of the grants available for small businesses that you may be eligible for.
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    The number of small businesses taking off is increasing continuously, there was a huge increase in the number of new small business from 2015 to 2016; approximately 97, 000 more small businesses started. It seems that there has never been a better time to start your own business, which is promising news for any potential entrepreneurs. So, you have the perfect idea for a business, and you are ready to take on the world of small business but where will you find the funding?
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