The real story behind UK business funding in 2026

Free report showing how thousands of UK business owners are actually accessing finance, what's holding them back, and why traditional banks just aren't cutting it.

71%

of SMEs will need external finance this year

81%

missed opportunities in 2025 because funding wasn't there when they needed it

94%

of businesses that applied for funding got approved

Getting funded shouldn't be this hard

What you'll discover inside the report

Where businesses actually get funding

Banks? Brokers? Alternative lenders? Who's using what, and why traditional banks are losing ground.

The real challenges SMEs face

Rising costs and cash flow gaps top the list, but late payments and supplier pressure aren't far behind.

What matters when choosing a lender

Speed matters. Flexibility matters. Endless paperwork and three-week approval times? Not so much.

Sector breakdowns

Construction businesses need funding differently than hospitality. Retail has different pain points than manufacturing. We break it all down.

Regional insights

London businesses access finance differently than those in Wales or the East Midlands. Location matters more than you'd think.

What's coming in 2026

Where business owners are confident, what worries them, and how they're planning to handle rising costs and tax burdens.

The report will be especially useful for you if:

  • You’re running a business that need funding fast, but can’t source it.
  • You’ve been declined before and want to know what actually matters.
  • You’re planning growth in 2026 and want to know your options.
  • You work in finance and want to know what SMEs prioritize.

You are 5 minutes away from making it happen

  • Credit score not affected
  • Quick and easy application process
  • Unsecured loans up to £750,000