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Your resource for learning about business finance options and issues. Discover more about loans and funding, along with common business finance challenges and strategies.

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Syncom Utilities UK achieved high business growth in the recruitment for construction industry, after contacting JD Capital Finance.
Read Syncom Utilities UK’s story on how they achieved high business growth in their industry. Find the funds your business needs too
September 28, 2022
Insignia Recruit triples its organic growth with JD Capital Finance
Read Insignia Recruit's story on how they managed to grow their business within a year with a business funding boost. Find the funds your business needs too.
August 5, 2020
Recovery Loan Scheme Extension
Recovery Loan Scheme finance for small and medium-sized firms now available until mid-2022. Learn more about this government-backed financial support.
November 8, 2021
What the CBILS End Date Means for Your Business
The end of CBILS on 31 March 2021 did not mean the end of finance support for your business. It’s replaced by the Recovery Loan Scheme. Learn more.
October 5, 2021
5 Ways to Boost Your Business with the Recovery Loan Scheme
Five ways to boost your business with finance from this government-backed scheme for businesses impacted by the pandemic. Learn more now.
June 22, 2021
How the Business Recovery Loan Scheme Works
How the business recovery loan scheme works. Funding for UK firms impacted by Covid-19. Finance from £1k to £10 million. Learn more now.
May 16, 2021
Get Growing with the Business Recovery Loan Scheme
Use the Recovery Loan Scheme to help your business get growing after the lockdowns and restrictions of recent months. Learn more.
April 20, 2021
Cash Flow Solutions: A Deep Dive into Invoice Finance
Invoice Finance - A deep dive for SMEs
March 6, 2024
Equity vs Debt Financing
Exploring the drawbacks and benefits of Equity vs Debt Financing.
August 6, 2024
VAT Loans explained
VAT loans help businesses regulate their cashflow and pay back their VAT bills on time. JD Capital Finance finds the funding that you need. Get in touch.
January 15, 2024
What is Hotel Finance?
Hotel finance provides essential working capital to the hospitality industry. Funding for business growth, upgrades and major projects.
April 19, 2023
What is Manufacturing Finance?
Discover solutions for manufacturing’s high demand for working capital. Asset finance, invoice finance, loans and tax credits. Learn more.
March 9, 2022
Construction Finance Explained
Business funding for contractors, sub-contractors and others in the construction industry. Working capital to pay suppliers and fund equipment.
August 16, 2022
Short-term Business Loans Explained
Short-term business loans are usually repayable over 3 to 12 months. They inject working capital into businesses needing instant finance.
February 8, 2023
Your Guide to Recruitment Finance
Learn how recruitment finance improves your business cashflow. Explore the benefits and discover your options. Learn more now.
October 12, 2022
What is Invoice Finance
Learn how invoice finance can improve your business cashflow. Discover the benefits and explore the options. Learn more now.
December 12, 2023
How to grow your business
Secure the finance your business needs in order to grow faster. Working capital solutions for ambitious business owners. Learn more today.
July 20, 2023
How to improve your business credit score
Don’t let a weak credit score hold back your business growth aspirations. Act now to start improving your credit rating. Learn more today.
August 23, 2023
How to plan your cashflow
Plan ahead with a simple cashflow forecast. We help businesses protect against cashflow problems with flexible, affordable finance. Learn more now.
February 8, 2022
What is an Unsecured Business Loan?
October 10, 2023
What is Development Finance?
Development Finance is a form of Alternative Business Funding that provides an injection of cash to cover the cost of both the purchasing of land, as well as the costs of building the property. 
June 22, 2022
What is Debt Factoring and how can it benefit your business?
If you raise invoices on credit terms to your clients, these can be passed on to a factoring company who will advance up to 90% of the value of the invoice.
May 10, 2022
What is a Business Loan?
A Business Loan is a form of Commercial Funding that allows for an injection of cash into your business.
November 9, 2020
What is a Personal Guarantee?
When trying to acquire funding for your company, you may be required to provide a personal guarantee against the loan. This is common with products such as business loans, asset finance, and invoice finance.
December 31, 2020
The Working Capital Cycle
Learn what a Working Capital Cycle is, and how much of an impact your cycle has on your business.
October 20, 2020
What is Turnover?
Turnover is a term within the financial landscape to measure the level of business completed through sales over a specific period. Your company's turnover will not measure your success, as expenses are not taken into account, but it can be a useful measurement of business growth.
July 1, 2024
Powerup Your Vision With Startup Business Loans
You want the right funding solution for your new business. An affordable, flexible solution that’s best suited to your needs. Learn more.
January 11, 2022
Business Finance Solutions For Growth
You want the best possible funding solution for your business. One that’s affordable, flexible and best suited to your needs. Learn more.
April 5, 2022
Why You Need To Master Your Working Capital Cycle
You need a strong grip on your firm's working capital cycle. Learn why, and how to take control of your cashflow and prepare your business for growth.
March 15, 2023
The big problem with business loans secured against property
Raise working capital for your business using a loan with property as collateral. Learn more now.
November 10, 2023
How to find the best small business loans
Discover the loan that’s right for your business. We help business owners ask the right questions to find lower cost flexible funding. Learn more today.
February 15, 2024
Construction industry costs soar due to supply shortages
Shortages, supply problems and the pandemic have combined to hit construction costs. This also hits cashflow. Learn more now.
August 5, 2021
How invoice finance compares with overdrafts
When you’re comparing a bank overdraft with invoice finance, you should go beyond looking at the interest rates and the amounts you can borrow. One of the big differences between the two is that an overdraft, while it can be hugely convenient, can also be withdrawn by the bank at any time.
July 20, 2022
Your Guide to JCT Construction Contracts
JCT contracts are the first choice on many construction projects across the UK. They cover most forms of building projects, small and large. Learn more now.
September 17, 2021
Financial challenges for construction businesses
Pay your team, purchase materials and equipment, control costs, get funding for growth. Overcome the challenges in the construction sector. Learn more.
September 18, 2024
VAT Reverse Charge: What it means for your construction business
Construction business cashflow is likely to be impacted by these new rules. Discover how it could affect you and the action you can take.
April 20, 2021
Invoice finance for construction
Improve your cashflow and keep projects on track with fast, reliable and cost-effective invoice finance. For contractors and sub-contractors. Learn more today.
January 24, 2023
Understanding the Impact of Rising Interest Rates
Discover how macroeconomic factors influence the lending market and overall economic health.
June 24, 2024
Spark Finance wins Best Use of Technology in SME Finance at the Business Moneyfacts Awards 2024
Spark Finance Wins 2024 Business Moneyfacts Award
April 19, 2024
Merger of Spark Finance Plc ("Spark") and JD Capital Finance Ltd (“JD Capital”)
Spark Finance plc and JD Capital Finance Ltd merger annoucement
May 11, 2023
The Construction Industry Scheme and Your Cashflow
The CIS requires contractors to pay money to HMRC on behalf of subcontractors. This presents cashflow challenges to subcontractors.
December 14, 2021
Your Guide to R&D Tax Credits in the Construction Industry
Don’t let your construction company miss out on valuable R&D tax refunds. You’ll be surprised how many firms are eligible. Learn more today.
September 13, 2023
Why You Should Consider a Business Loan Broker
Finding the most cost-effective and flexible finance for your business isn’t always easy. A broker can make the process much faster and more straightforward.
June 26, 2023
5 Ways Your Business Won’t Be Different After the Pandemic
Businesses that thrive in the ‘new normal’ understand that the basics of success haven’t changed. They’re investing in their future right now. Learn more today.
July 6, 2021
How to raise finance for your business
Your borrowing options explained. Get the funding your business needs for growth or to cover a short-term cashflow gap. Learn more now.
December 20, 2022


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Disclaimer: Spark Finance Ltd (Registered office - 18 John Stow House, London, England, EC3A 7JB, Registered Number 10128297) helps UK firms access business finance. Spark is a credit broker, not a lender. Any quotes provided are for information purposes only and subject to status and separate lender terms and conditions. Applicants must be aged 18 and over.  Guarantees and Indemnities may be required.  Spark Finance may receive commission from lenders  which may vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.

Spark Finance Ltd is authorised and regulated by the Financial Conduct Authority in the UK (FRN 958123).