# Swoop UK
> business funding and savings
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## Pages
- [Overdraft calculator](https://swoopfunding.com/uk/business-loan-calculator/overdraft-calculator/): Our business overdraft calculator can help you estimate the costs associated with using an overdraft facility for your business. Use it free here.
- [Finance lease quote calculator](https://swoopfunding.com/uk/business-loan-calculator/finance-lease-quote-calculator): Finance lease quote calculator Use our free finance lease quote calculator can help you estimate your monthly payments, costs and...
- [Online business valuation calculator](https://swoopfunding.com/uk/business-loan-calculator/online-business-valuation-checker/): Online business valuation checker Do you own a SaaS platform, app, eCommerce store, blog, online community or plugin? Curious as...
- [Business loan for marketing](https://swoopfunding.com/uk/business-loans/marketing-loans/): A business marketing loan is a type of financing designed to help businesses fund advertising, branding, and promotional activities to attract customers.
- [Middle market loans](https://swoopfunding.com/uk/business-loans/middle-market-loans/): Middle-market lending refers to financing provided to mid-sized companies. Read all about middle market finance here, or apply for funding through Swoop.
- [Swoop Broker Suite](https://swoopfunding.com/uk/swoop-broker-suite/): Grow or launch your own commercial finance brokerage From compliance to lender access and software, Swoop's Broker Suite provides brokers...
- [Salary exchange calculator](https://swoopfunding.com/uk/business-loan-calculator/salary-exchange-calculator/): Our salary exchange calculator is designed to help you estimate the financial benefits of entering into a salary sacrifice scheme. Use it free here.
- [What does working capital requirement measure?](https://swoopfunding.com/uk/business-loans/working-capital-loans/what-does-wcr-measure/): Your working capital requirement (WCR) measures how much short-term funding your business needs to operate on a daily basis. Read more or apply for funding here
- [Trade finance](https://swoopfunding.com/uk/business-loans/trade-finance/): Trade finance is an umbrella term that covers many financial products and instruments used by businesses to reduce the risk of trading abroad. Read more here.
- [Green finance](https://swoopfunding.com/uk/business-loans/green-finance/): Green finance is essentially a business loan or investment used to support environmentally-friendly activities Find out more, or sign up with Swoop today.
- [Material handling equipment financing](https://swoopfunding.com/uk/business-loans/asset-finance/material-handling-equipment-finance/): Material handling equipment is designed to move all kind of goods and materials from A to B, but this comes at a cost. Find out more, or sign up with Swoop today.
- [Crane equipment finance](https://swoopfunding.com/uk/business-loans/asset-finance/crane-finance/): Crane finance is a specialized form of equipment financing, spreading the cost of expensive machinery over time. Read more or apply for crane finance here.
- [Supercar finance](https://swoopfunding.com/uk/business-loans/asset-finance/supercar-finance/): They go fast, they look great and they cost far more than your typical daily driver. Read more about supercar finance, or arrange your exotic car finance here.
- [Invoice factoring vs. invoice discounting: What's the difference?](https://swoopfunding.com/uk/business-loans/invoice-factoring/factoring-vs-discounting/): When businesses need to improve cash flow, two common solutions are invoice factoring and invoice discounting, but which is right for you? Find out here.
- [Car finance settlement calculator](https://swoopfunding.com/uk/business-loan-calculator/car-finance-settlement-calculator/): Car finance settlement calculator Our free car finance settlement calculator can help you estimate your final outstanding payment to clear...
- [Car finance calculator](https://swoopfunding.com/uk/business-loan-calculator/car-finance-calculator/): Car finance calculator Our free car finance calculator can help you estimate your monthly repayments when taking out finance. Repayments...
- [Growth Guarantee Scheme (GGS) calculator](https://swoopfunding.com/uk/business-loan-calculator/growth-guarantee-scheme-calculator/): Use our simple Growth Guarantee Scheme (GGS) calculator to understand your monthly repayments including interest, as well as the total cost of the loan.
- [Visiting Angels](https://swoopfunding.com/uk/business-loans/franchise-finance/visiting-angels/): Visiting Angels specialises in the delivery of care services to clients in the comfort of their own home. They claim to be the #1 provider. Learn more here.
- [Pizza Hut](https://swoopfunding.com/uk/business-loans/franchise-finance/pizza-hut/): Pizza Hut is a major player in the globe’s growing pizza industry it operates in more than 100 countries. Learn all about its franchise options here.
- [Jan-Pro](https://swoopfunding.com/uk/business-loans/franchise-finance/jan-pro/): Jan-Pro are a franchised cleaning and janitorial services organisation, and the leader in the market worth £96 billion per year. Learn all here.
- [Fastsigns](https://swoopfunding.com/uk/business-loans/franchise-finance/fastsigns/): Fastsigns produce custom signs and marketing materials for businesses in the UK and seven other countries. Read more about them and apply for financing here.
- [Domino's](https://swoopfunding.com/uk/business-loans/franchise-finance/dominos/): In the highly competitive world of pizza retailing, Domino’s are the big boys on the block. Read all about them or apply for funding here.
- [Comfort Keepers](https://swoopfunding.com/uk/business-loans/franchise-finance/comfort-keepers/): Comfort Keepers are an international care provider and a wholly owned subsidiary of global food and services conglomerate. Read more about it here.
- [Cinnabon](https://swoopfunding.com/uk/business-loans/franchise-finance/cinnabon/): Cinnabon operate quick-service bakeries that sell their world famous fresh-baked cinnamon rolls and more. Learn all about it, or apply for funding here.
- [Currency converter](https://swoopfunding.com/uk/business-loan-calculator/currency-converter/): Our currency converter is here to help you stay on top of exchange rates, whether you're planning a vacation, making an online purchase, or conducting business.
- [Transworld Business Advisors](https://swoopfunding.com/uk/business-loans/franchise-finance/transworld-business-advisors/): Transworld Business Advisors are a franchised consulting organisation. They help small business owners to grow, buy or sell their businesses. Read more here.
- [Signal](https://swoopfunding.com/uk/business-loans/franchise-finance/signal/): Signal is a franchised private security company offering a range of security options to residential and businesses. Learn all about it here.
- [Popeyes franchise](https://swoopfunding.com/uk/business-loans/franchise-finance/popeyes/): Popeyes Louisiana Kitchen operates quick-service restaurants that offer a ‘Louisiana- style’ menu. Learn all about the franchise here.
- [Kumon franchise](https://swoopfunding.com/uk/business-loans/franchise-finance/kumon-franchise/): Kumon is the world’s largest provider of supplementary education, they enhance the teaching children receive in regular school. Read more here.
- [Chem-Dry franchise](https://swoopfunding.com/uk/business-loans/franchise-finance/chem-dry-franchise/): Chem-Dry is a franchised carpet cleaning business, offering entrepreneurs the chance to grab a piece of an industry worth £6.6 billion per year. Read more here.
- [Burger King](https://swoopfunding.com/uk/business-loans/franchise-finance/burger-king/): Famed for their flame-grilled burgers and other fast-food delights, Burger King has been around for 70 years and shows no signs of slowing down. Read all here.
- [Anytime Fitness](https://swoopfunding.com/uk/business-loans/franchise-finance/anytime-fitness/): Anytime Fitness offer 24/7 customer access to fitness centres that provide one to one and group exercise programs, coaching, recovery training. Read more here.
- [Signarama](https://swoopfunding.com/uk/business-loans/franchise-finance/signarama/): Signarama is a franchised printing and sign-making business producing and selling magnetic, paper and laminated signs, and more. Read all about it here.
- [Paris baguette](https://swoopfunding.com/uk/business-loans/franchise-finance/paris-baguette/): Paris Baguette is a franchised café/bakery organisation that sell a variety of French-inspired breads, pastries, cakes, and more. Read it all here.
- [Papa John's](https://swoopfunding.com/uk/business-loans/franchise-finance/papa-johns/): Papa John’s is a pizza business giant that offers consumers eat-in dining, delivery or takeout services for pizzas, chicken wings, and more. Read it all here.
- [Novus Glass](https://swoopfunding.com/uk/business-loans/franchise-finance/novus-glass/): Novus Glass outlets and mobile stores primarily provide auto glass replacement products and services. Read more about the franchise and how it works.
- [Minuteman Press](https://swoopfunding.com/uk/business-loans/franchise-finance/minuteman-press/): Minuteman Press is a retail franchise network that provides printing and related business services to companies and the public. Read all about it here.
- [KFC](https://swoopfunding.com/uk/business-loans/franchise-finance/kfc/): KFC is one of the world’s best known fast food brands. They sell fried chicken and related food and drink products. Read more about the franchise with Swoop.
- [Home Instead](https://swoopfunding.com/uk/business-loans/franchise-finance/home-instead/): Home Instead provides in-home care services with a mission to enable seniors and other individuals to live independently at home. Learn more here.
- [Owner-occupied commercial mortgages](https://swoopfunding.com/uk/commercial-mortgages/owner-occupied-commercial-mortgages/): Owner-occupied commercial mortgages are designed for business owners looking to buy a commercial property for their trading premises. Read more or apply here.
- [Semi-commercial mortgages](https://swoopfunding.com/uk/commercial-mortgages/semi-commercial-mortgages/): If you’re buying a property comprising both residential and commercial space, you’re likely to need a semi-commercial mortgage. Read more or apply here.
- [Snap-on Tools](https://swoopfunding.com/uk/business-loans/franchise-finance/snap-on-tools/): Snap-on tools is a tools manufacturer and distributor, selling tools and diagnostic equipment to automotive dealers, and more. Read more here.
- [Wendy's](https://swoopfunding.com/uk/business-loans/franchise-finance/wendys/): Famous for their unique, square-shaped hamburger patties, Wendy’s are a giant in the global fast food industry. Read all about the franchise here.
- [UPS store](https://swoopfunding.com/uk/business-loans/franchise-finance/ups-store/): UPS is a franchised parcel delivery company, providing packaging, courier, photocopying and other services to individuals and organisations. Read all here.
- [Re/Max](https://swoopfunding.com/uk/business-loans/franchise-finance/re-max-franchise/): Re/Max are an international real estate brokerage franchisor providing branding and business support to real estate brokerages. Learn more here.
- [Pirtek](https://swoopfunding.com/uk/business-loans/franchise-finance/pirtek-franchise/): Pirtek is a B2B franchise operator, providing industrial and hydraulic hose services to organisations across the UK. Secure your funding today.
- [McDonald's](https://swoopfunding.com/uk/business-loans/franchise-finance/mcdonalds-franchise/): McDonald’s are the fast food chain that started it all and are one of the most successful restaurant businesses in the world. Get your funding with Swoop.
- [Commercial investment mortgages](https://swoopfunding.com/uk/commercial-mortgages/investment-mortgage/): A commercial investment mortgage is a loan designed for buying or refinancing a commercial property for investment purposes. Read more or apply here.
- [Century 21](https://swoopfunding.com/uk/business-loans/franchise-finance/century-21/): Century 21 is an international real estate franchise operator. Read more about century 21 franchise costs, process & secure your funding today.
- [Swoop for Advisors playbook](https://swoopfunding.com/advisors/playbook/): Swoop will work with you to discover the right funding solutions across debt, equity & grants, and easily make savings. View the playbook here.
- [Solar equipment financing for businesses](https://swoopfunding.com/uk/business-loans/asset-finance/solar-equipment-financing-for-businesses/): Solar equipment financing refers to specialist business loans and leases that help organisations buy or rent the commercial solar equipment they need.
- [Manufacturing equipment financing](https://swoopfunding.com/uk/business-loans/asset-finance/manufacturing-equipment-financing/): Manufacturing financing can be used to buy machinery for manufacturing businesses, or to borrow against the value of equipment they already own. Read more here.
- [EPOS system](https://swoopfunding.com/uk/business-loans/asset-finance/epos-system/): EPOS is a computerised point of sale system that includes devices such as scanners, barcode readers and touchscreens. Learn more about how it works with Swoop.
- [Dental equipment financing](https://swoopfunding.com/uk/business-loans/asset-finance/dental-equipment-financing/): Dental equipment financing refers to specialist business loans that help UK dental businesses obtain the equipment they need. Learn more with Swoop.
- [Bobcat financing](https://swoopfunding.com/uk/business-loans/asset-finance/bobcat-financing/): Bobcats are the versatile machines of choice for many UK businesses and these vehicles can come in all shapes and sizes. Read more with Swoop.
- [Boat financing](https://swoopfunding.com/uk/business-loans/asset-finance/boat-financing/): Boat loans function like auto loans – you borrow all or some of the cost of the boat you’re buying and then you pay the principal back with interest over time.
- [Bakery equipment financing](https://swoopfunding.com/uk/business-loans/asset-finance/bakery-equipment-financing/): Bakery equipment financing and leasing refers to specialist business loans that help organisations buy the bakery equipment they need. Learn more with Swoop.
- [Audio visual equipment financing](https://swoopfunding.com/uk/business-loans/asset-finance/audio-visual-financing/): Audio visual equipment includes devices that deliver a visual or sound effect to your audience. Learn what is it and how to get financed with Swoop.
- [Aircraft financing](https://swoopfunding.com/uk/business-loans/asset-finance/aircraft-financing/): Aircraft financing is lending that can be used to buy private aircraft, or to borrow against the value of an aircraft that you own. Learn more with Swoop.
- [Revenue based financing](https://swoopfunding.com/uk/business-loans/revenue-based-financing/): Revenue-based financing, also known as ‘royalty financing’, uses the value of an organization’s gross sales or profits to raise capital from lenders & investors
- [Price per square foot calculator](https://swoopfunding.com/uk/business-loan-calculator/price-per-square-foot-calculator/): Our price per square foot calculator helps you determine the cost of a property, or a space, based on its size, whether you are renting, leasing or buying.
- [Internal rate of return calculator](https://swoopfunding.com/uk/business-loan-calculator/internal-rate-of-return-calculator/): Our Internal Rate of Return (IRR) calculator helps you determine the profitability of investments or projects. Use it for free here to calculate your IRR.
- [Term loans](https://swoopfunding.com/uk/business-loans/term-loans/): Term loans can be fast and simple to get and may let you pay the money back over many years. Find out more, and apply with Swoop.
- [Compound annual growth rate calculator](https://swoopfunding.com/uk/business-loan-calculator/compound-annual-growth-rate-calculator/): Our compound annual growth rate (CAGR) calculator helps you measure an investment's annual growth rate over a specified period. Use it for free here.
- [Refinance calculator](https://swoopfunding.com/uk/business-loan-calculator/refinance-calculator/): Our loan refinance calculator helps you estimate the potential savings and costs associated with refinancing your existing loan. Use it free here.
- [Pitch deck builder](https://swoopfunding.com/uk/equity-financing/pitch-deck-builder/): Get 10% off the pitch deck builder with code SWOOP10 GET STARTED Automated pitch decks in just 3 hours Utilising...
- [No collateral business loans](https://swoopfunding.com/uk/business-loans/no-collateral-business-loans/): Lenders often require collateral when small businesses apply for a loan. But what do you do if you don’t have any collateral? Find out here and apply today.
- [Vending machine financing](https://swoopfunding.com/uk/business-loans/asset-finance/vending-machine-finance/): Modern vending machines can cost anywhere from £3,000 to £5,000 per unit depending on their features. Save your working capital and finance today.
- [Tractor trailer financing](https://swoopfunding.com/uk/business-loans/asset-finance/tractor-trailer-finance/): It doesn’t matter if you’re a small or large business, it rarely makes sense to pay for expensive commercial vehicles with cash. Get funding here.
- [Tractor financing](https://swoopfunding.com/uk/business-loans/asset-finance/tractor-finance/): Tractor financing is a type of business loan used to support the purchase of new or used tractors. Read our comprehensive guide here.
- [Forklift financing](https://swoopfunding.com/uk/business-loans/asset-finance/forklift-finance/): Forklifts are key equipment for all types of organisation, but with prices ranging from £15,000 - £50,000, they don’t come cheap. Apply for finance here.
- [R&D advance funding](https://swoopfunding.com/uk/rd-tax-credits/advance-funding/): R&D tax relief advance funding Received an R&D tax credit? Dont wait for HMRC - get paid sooner with Swoop...
- [Excavator financing](https://swoopfunding.com/uk/business-loans/asset-finance/excavator-finance/): Excavators can be some of the most flexible heavy machinery you can get, but they come at a cost. Read all about excavator financing or apply here.
- [Dump truck financing](https://swoopfunding.com/uk/business-loans/asset-finance/dump-truck-finance/): Dump trucks can cost from a few thousand pounds up to over £200,000, but as an all-purpose workhorse they’re pretty tough to beat. Get finance here.
- [Commercial fleet finance](https://swoopfunding.com/uk/business-loans/asset-finance/commercial-fleet-finance/): Buying new business vehicles like trucks, vans and bulldozers don’t come cheap. Fortunately, commercial fleet finance relieves the strain of these assets.
- [COVID-19](https://swoopfunding.com/uk/covid-19/): COVID-19 financial support Insight into the support that was available for businesses throughout the pandemic Register today If you missed...
- [Cash flow calculator](https://swoopfunding.com/uk/business-loan-calculator/cash-flow-calculator/): Our cash flow calculator can be used to estimate the amount of money coming in and going out of a business over a specific period. Use it free here.
- [Frequently-asked questions about the COVID-19 government-backed support for businesses](https://swoopfunding.com/uk/covid-19/frequently-asked-questions-about-the-covid-19-government-backed-support-for-businesses-new/): Frequently-asked questions about the COVID-19 government-backed support for businesses Call our dedicated COVID-19 finance hotline on 0203 868 0364 between...
- [Self-employed business loans](https://swoopfunding.com/uk/business-loans/self-employed-loans/): Self-employed business loans can provide a vital safety net for freelancers, sole proprietors and independent contractors. Read all you need to know here.
- [Payroll loans](https://swoopfunding.com/uk/business-loans/payroll-loans/): Payroll loans are designed to help you meet your wages bill when your cash flow is weak. Learn all about them here and apply today.
- [No credit check business loans](https://swoopfunding.com/uk/business-loans/no-credit-check-business-loans/): Securing a business loan can be challenging for many organisations, but for business owners with poor credit, it can be very tough. Read more here.
- [Seller financing](https://swoopfunding.com/uk/business-loans/seller-financing/): Seller financing can be a win/win for both buyers and sellers. Find out all there is to know abut this popular route to buying the business you wanted.
- [Disclosure](https://swoopfunding.com/uk/disclosure/): Disclosure Introduction Our services The purpose of this document is to explain what we do and how we’ll work with...
- [Treating customers fairly](https://swoopfunding.com/uk/treating-customers-fairly/): Treating customers fairly At Swoop, we are committed to offering our customers the highest possible standards of service. In doing...
- [Terms and conditions](https://swoopfunding.com/uk/terms-conditions/): Terms and conditions Thank you for visiting Swoop These terms and conditions (“Terms of Service”), which include our Privacy Policy,...
- [Cookie policy](https://swoopfunding.com/uk/cookie-policy/): Cookie policy This Cookies Policy sets out how Swoop Finance Limited (we) use cookies when you (the user) use the...
- [Privacy policy](https://swoopfunding.com/uk/privacy-policy/): Privacy policy Swoop Finance Limited is registered in England and Wales (company number 11163382) and has its Registered Office at...
- [Complaints](https://swoopfunding.com/uk/complaints/): Complaints If you’re not completely happy with our service, we’d like to hear about it — that way, we can...
- [Equipment appraisals](https://swoopfunding.com/uk/business-loans/asset-finance/equipment-appraisals/): Business equipment is more than just machinery. Here’s all you need to know about appraising its value, the process, and legal considerations. Read more.
- [R&D expenditure credits (RDEC)](https://swoopfunding.com/uk/rd-tax-credits/rdec/): R&D expenditure credits (RDEC) - what are they? Add a header to begin generating the table of contents Page written...
- [Large business loans](https://swoopfunding.com/uk/business-loans/large-business-loans/): Although large business loans are typically harder to secure, they can provide the financial heft to propel your organisation to the next level. Learn more.
- [Cash flow loans](https://swoopfunding.com/uk/business-loans/cash-flow-loans/): Cash flow can make or break any business, and poor cash flow is the main reason many small businesses fail to succeed. Read more about cash flow loan here.
- [RDEC calculator](https://swoopfunding.com/uk/business-loan-calculator/rdec-calculator/): Use our handy research & development expenditure credit (RDEC) calculator to get an understanding of how much you could claim.
- [Invoice factoring](https://swoopfunding.com/uk/business-loans/invoice-factoring/): Invoice factoring refers to selling unpaid invoices to a company that provides you with cash on the spot. Read more about this cash flow boost and apply here.
- [Invoice discounting](https://swoopfunding.com/uk/business-loans/invoice-discounting/): Invoice discounting means borrowing against unpaid invoices that are owed to you in order to receive your money faster. Learn all about it here.
- [Accounts receivable financing](https://swoopfunding.com/uk/business-loans/accounts-receivable-financing/): Accounts receivable financing means using your unpaid invoices as collateral to borrow money. Read more about this type of financing and apply here.
- [R&D tax credit calculator](https://swoopfunding.com/uk/business-loan-calculator/rd-tax-credit-calculator/): Use our handy R&D tax credit calculator to get an understanding of how much you could claim.
- [Amortisation calculator](https://swoopfunding.com/uk/business-loan-calculator/amortisation-calculator/): An amortisation calculator is a financial tool designed to assist businesses in understanding and planning the repayment of loans over time. Try it out.
- [Commercial finance](https://swoopfunding.com/uk/business-loans/commercial-finance/): If you own or run a business you may have heard the term ‘commercial financing’. But what does it mean, how does it work and is it right for you? Read more here
- [£100,000 or less business loan](https://swoopfunding.com/uk/business-loans/best-business-loans-100000-or-less/): If you are looking for a business loan up to £100,000 but aren't sure where to start, look no further. Read on to find out the best loans, or apply here.
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## Blog
- [The UK-India trade deal: What does it mean for me as UK businesses?](https://swoopfunding.com/uk/blog/uk-india-trade-deal/): As tariff barriers tumble, India’s trillion-dollar economy is ripe with possibilities India is a shock to the system for British...
- [The 2025 UK business debt report: 52,000+ businesses analysed](https://swoopfunding.com/uk/business-debt-report/): No industry is without business debt, but where are the biggest levels of business debt in the UK? Discover key insights with our 2025 UK business debt report.
- [How to start your own finance brokerage – without the stress](https://swoopfunding.com/uk/swoop-broker-suite/start-a-brokerage/): Have you ever thought about setting up your own finance brokerage – but stopped short because of the paperwork, regulation or uncertainty? You're not alone.
- [Base rate cut: Is now the turning point for UK commercial property finance?](https://swoopfunding.com/uk/blog/base-rate-cut-is-now-the-turning-point-for-uk-commercial-property-finance/): On 6 February 2025, The Bank of England reduced its base rate by 0.25%, bringing it down to 4.25%. Read the impact of this base rate cut here.
- [Should you borrow to grow your business? Swoop’s five-point checklist will help you decide](https://swoopfunding.com/uk/blog/should-you-borrow-to-grow-your-business/): Should you get a loan to grow your business? Swoop’s five-point checklist is designed to help you decide whether borrowing is the right choice for your business
- [Key dates for SMEs: what you need to know for 2025](https://swoopfunding.com/uk/blog/key-dates-for-businesses-2025/): Missing deadlines can have serious consequences: from financial penalties to damaged reputations, the repercussions can be far-reaching. See key dates here.
- [GPSR explained](https://swoopfunding.com/uk/support-for-small-businesses/gpsr/): Read on if you sell to NI and the EU. All you need to know about the General Product Safety...
- [Making the business case for your RSVP this holiday season](https://swoopfunding.com/uk/blog/networking-101): Events are a great way to make connections that will benefit your business - you just need to make sure you approach them properly
- [Challenge and opportunity: how to succeed in the 2025 commercial real estate market](https://swoopfunding.com/uk/business-loans/challenge-and-opportunity/): Borrowers can get an edge by appealing to lenders - particularly when the market is getting competitive Are you wondering...
- [Should I avoid business loans that require personal guarantees?](https://swoopfunding.com/uk/business-loans/should-i-avoid-personal-guarantees/): As a small business owner, you need to asses your appetite for risk carefully before you agree to funding that...
- [What documents do you need for your funding application? A business owner's guide](https://swoopfunding.com/uk/business-loans/what-documents-do-you-need/): Making applications is quicker and less hassle when the information you need is already at hand Your business needs funding,...
- [If you rent your warehouse, shouldn’t you think about buying it?](https://swoopfunding.com/uk/commercial-mortgages/rent-or-buy-a-warehouse/): Owning a warehouse space can be a great move for your business, bringing in increased control, cost-efficiency & a stable platform for growth. Read more here.
- [Open Banking – what is it and how does it work?](https://swoopfunding.com/uk/blog/open-banking/): Fast, efficient and more innovative than traditional financial systems, Open Banking puts the customer firmly in control. Learn more about how it works here.
- [Commercial mortgages for pubs](https://swoopfunding.com/uk/commercial-mortgages/pub-mortgage/): Pub finance is an umbrella term that covers the different financial solutions often needed to get your pub business up and running. Learn more with Swoop.
- [How to find investors for your business](https://swoopfunding.com/uk/equity-financing/how-to-find-investors/): If you’re looking for funding to launch a startup or scale your business, you don’t have to go down the traditional route of getting a loan from your bank.
- [How to find angel investors](https://swoopfunding.com/uk/equity-financing/how-to-find-angel-investors/): If you’re looking for investment in your business, whether you’re just starting out or planning to expand, an angel investor is one potential option to explore.
- [R&D: Why it pays to work with Swoop](https://swoopfunding.com/uk/rd-tax-credits/why-use-swoop/): R&D tax credits seem like a niche concern, but for some businesses Swoop’s R&D team could mean more than just a quickly-completed application. Read more.
- [Why did my credit score drop?](https://swoopfunding.com/uk/business-credit-scores/why-did-my-credit-score-drop/): Let's unpack the reasons your credit score might drop and understand how these can be a game-changer for your business. Read about the reasons here.
- [Interest rates are coming down - time to refinance?](https://swoopfunding.com/uk/blog/time-to-refinance/): Interest rates have been high which makes borrowing expensive, and business owners have been careful not to borrow more than they need. Read more here.
- [Commercial mortgage landscape in 2025](https://swoopfunding.com/uk/blog/commercial-mortgage-landscape/): Navigating the commercial mortgage landscape in 2025: Five factors that will help you decide on the viability of a major...
- [Surge or sink? The SMEs that will thrive in 2025](https://swoopfunding.com/uk/blog/record-number-of-new-businesses-started/): As SMEs make up the majority of job creation, innovation and economic growth, the boom in numbers will be seen as great news. Read more here.
- [Capital allowances on hire purchase (HP): Things to be aware of](https://swoopfunding.com/uk/business-loans/asset-finance/hire-purchase-capital-allowances/): Many businesses who need to replace old machinery, will consider hire purchase as a way of buying assets. Learn all about it here.
- [How to calculate the cost of debt](https://swoopfunding.com/uk/blog/how-to-calculate-the-cost-of-debt/): The cost of debt refers to the overall cost that a company pays on borrowed money. Find out how to calculate the cost of debt, and the formula here.
- [At the end of the financial year: are you ready for the next 12 months?](https://swoopfunding.com/uk/blog/ready-for-the-year-ahead/): Whether last year was your best year, yet, or you are amazed to have survived, a large part of what happens in the future is in your hands.
- [Swoop's Banking Competition Remedies (BCR) funding journey](https://swoopfunding.com/uk/about-swoop/bcr-funding/): Swoop Finance Limited was awarded funding from the BRC. Swoop set out a programme of initiatives to help drive innovation and improve financial products.
- [How merging R&D tax credit schemes will affect your business](https://swoopfunding.com/uk/rd-tax-credits/merging-schemes/): Coming into play in April 2024, the new rules should prompt a revision of your business activities - you could...
- [Funding fundamentals for first time founders](https://swoopfunding.com/uk/blog/funding-fundamentals-for-founders/): Your number one role as founder is to manage the money. Whatever your company does, keeping the business solvent is your primary concern. Learn more here.
- [How to get a startup loan](https://swoopfunding.com/uk/business-loans/startup-loans/how-to-get-a-startup-loan/): Startup loans are a great way for a business to launch with a bang: they are offered at a competitive rate and often come with professional advice. Learn more.
- [Is it time for a new Enterprise Allowance Scheme?](https://swoopfunding.com/uk/blog/is-it-time-for-a-new-enterprise-allowance-scheme/): Plenty of businesses are being set up in the traditional way, but many are flickering in and out of life in the more hidden world of social media. Read more.
- [GenAI: the tools and prompts your business needs](https://swoopfunding.com/uk/blog/genai-tools-and-prompts/): GenAI tools are often free to try out and because the selling point is the natural language recognition, you don’t need any specialist knowledge. Read more.
- [The seven business books that will help you in 2024](https://swoopfunding.com/uk/blog/books-that-will-help-you/): Reading is one of the habits successful people have in common and at Swoop, we want you to succeed. Here are seven books as recommended by the team members.
- [Swoop’s year in numbers: 2023](https://swoopfunding.com/uk/blog/2023-roundup/): We went into the Swoop system to pull out some statistics about the deals we’ve done, the most successful sectors, and the customers we’ve helped. Read more.
- [Debtor days: All you need to know](https://swoopfunding.com/uk/blog/debtor-days/): Cash flow is one of the indicators that a business is doing well. Pay attention to debtors day to make sure your company's health. Read more here.
- [Five benefits R&D tax credits can bring to your business](https://swoopfunding.com/uk/rd-tax-credits/benefits-of-rd-tax-credits/): Funding your business often means taking a blended approach. One way to free up funds for your business is through tax incentives. Read more here.
- [Three strategies to hiring the A-team your startup deserves](https://swoopfunding.com/uk/blog/hiring-an-a-team/): Putting together a team could make a difference when it comes to securing funding. What should you consider when assembling your own A-team? Learn more here.
- [Are you one of the businesses threatened with closure because you cannot access funding?](https://swoopfunding.com/uk/blog/is-your-businesses-threatened-with-closure/): One in ten businesses is said to fail because of funding problems. At Swoop, we’re doing what we can to turn this trend around. Read more here.
- [Are your clients in the property business? Here’s what you need to know about Professional Landlord Portfolio Lending](https://swoopfunding.com/uk/blog/are-your-clients-in-the-property-business): Property is still a great long-term investment. How are you maximising your clients’ portfolios?
- [How to use grant funding to build your reputation, retain clients and attract new business](https://swoopfunding.com/uk/blog/how-to-use-grant-funding/): Grants can become a valuable resource and key differentiator for you as an advisor - and it doesn’t have to be hard work. Read more here.
- [How to create the perfect pitch deck - tips & tools](https://swoopfunding.com/uk/equity-financing/how-to-create-pitch-deck/): A pitch deck is an essential for any business seeking to raise equity. It is a critical tool for any business that is looking to raise money. Read more here.
- [How to set up as a sole trader](https://swoopfunding.com/uk/blog/how-to-set-up-as-a-sole-trader/): Being a sole trader means you’re in full control of the business. But while this has its benefits, sole traders also have unlimited liability. Read more here.
- [How to promote your business](https://swoopfunding.com/uk/blog/how-to-promote-your-business/): Promoting your business is key to ensuring potential customers know what your business offers. Read our handy guide on how to promote your business here.
- [Nurturing your mental health: 9 ways to manage mental health as a business owner](https://swoopfunding.com/uk/blog/mental-health-as-a-business-owner/): Running a business can be rewarding, but it also comes with its set of challenges that can take a toll on you. Read our guide on mental health here.
- [How to get investors to say “yes”](https://swoopfunding.com/uk/equity-financing/how-to-get-investors-to-say-yes/): What does it take to get an investor to “yes”? Read all about how to win investors' trust and secure funding for your business here.
- [Your childcare business: does recent legislation mean that now is a bad time to grow?](https://swoopfunding.com/uk/commercial-mortgages/childcare-business-mortgage/): You may be wondering if now is a good time to expand your business. On paper, it looks like you should: the market is active and attractive. Read more here.
- [The questions you MUST ask before adopting embedded finance](https://swoopfunding.com/uk/blog/questions-to-ask-before-adopting-embedded-finance/): Embedded finance has driven a huge spike in sales. If you're seeking a solutions provider, you need to ensure you’re getting the right one. Learn more here.
- [The Marketplace Revolution: how embedded finance drives growth and customer delight](https://swoopfunding.com/uk/blog/embedded-finance/): Embedded finance is one of the mist significant drivers to growth and seller retention in the competitive market place. Read all about it here.
- [How to download a bank statement](https://swoopfunding.com/uk/blog/how-to-download-a-bank-statement/): If your business uses online banking, there might be times when you need to download a bank statement. Read all about the process in our guide.
- [Business models: Types, examples, and how to design one](https://swoopfunding.com/uk/blog/business-models-types-examples-and-how-to-design-one/): Every business needs a business model, no matter what industry they operate in. Read more about business models, what they are, and how to design them here.
- [How to run a successful business](https://swoopfunding.com/uk/blog/how-to-run-a-successful-business/): You hear the term ‘successful business’ quite a lot, but what does that mean? Find out here, and our top tips for running a successful business with Swoop.
- [Small business bookkeeping: The complete guide](https://swoopfunding.com/uk/blog/small-business-bookkeeping-the-complete-guide/): A business without bookkeeping is a business risking failure. Bookkeeping builds the financial records that are essential for success, provides order and more.
- [10 reasons why you need a business bank account](https://swoopfunding.com/uk/business-bank-accounts/why-you-need-a-business-bank-account/): Read our handy guide here to discover all you need to know about opening or switching a business bank account, along with its benefits and associated costs.
- [Best business banking apps](https://swoopfunding.com/uk/business-bank-accounts/best-business-banking-apps/): Modern business is a 24/7 experience, with many UK SMEs working round the clock, or needing access to their money any time of day. See our comparison here.
- [Best card machines for UK small businesses](https://swoopfunding.com/uk/blog/best-card-machines-for-small-businesses/): If your business takes payments from customers in-person, either for retail purchases, or for services you definitely need a card machine. We compare them here.
- [Nations and Regions Investment Funds explained – what are they? Is my business eligible?](https://swoopfunding.com/uk/blog/nations-and-regions-investment-funds/): The Nations and Regions Investment Funds are a collective £1.6bn investment fund created to drive economic growth for growing businesses from across the UK.
- [Why cash flow is the hidden risk of successful grants and R&D tax credit applications](https://swoopfunding.com/uk/blog/why-cash-flow-is-the-hidden-risk-of-successful-grants-and-rd-tax-credit-applications/): Ignore the myths, grants and R&D tax credits can work together. Just beware of leaving your clients short of working...
- [Make VAT work for you: with Swoop, you can turn a problem into an opportunity](https://swoopfunding.com/uk/blog/make-vat-work-for-you-with-swoop-you-can-turn-a-problem-into-an-opportunity/): Innovative products aimed at helping businesses deal with their tax commitments could unlock capital that can boost your bottom line....
- [Soft asset finance: What you need to know](https://swoopfunding.com/business-loans/asset-finance/soft-asset-finance/): Soft assets refer to intangible or non-physical assets that hold significant value for businesses. Read more about soft assets and how to finance them here.
- [Up and up: how rising inflation affects interest rates - and what it means for SMEs](https://swoopfunding.com/uk/blog/up-and-up-how-rising-inflation-affects-interest-rates-and-what-it-means-for-smes/): Inflation is going up, but why? Swoop looks behind the headlines and explains why the economy behaves in the way...
- [How to get venture capital (VC) funding](https://swoopfunding.com/uk/equity-financing/how-to-get-venture-capital-funding/): If you’re looking for funding to help get your business off the ground or to help it expand, venture capital funding is one option worth exploring. Read how here.
- [How to finance property development](https://swoopfunding.com/uk/commercial-mortgages/how-to-finance-property-development/): If you want to invest in a property development project and don’t have much cash lying around, it’s likely you’ll need to apply for property development finance.
- [How to buy a business with bad credit](https://swoopfunding.com/uk/blog/how-to-buy-a-business-with-bad-credit/): Don’t let bad credit stand in the way of a great business. You may have to clear some extra hurdles to secure the financing you need, but it can be done.
- [How to calculate corporation tax](https://swoopfunding.com/uk/blog/how-to-calculate-corporation-tax/): The main tax that a limited company must pay is corporation tax. Here, we cover everything you need to know about calculating how much you owe.
- [How to check your business credit score](https://swoopfunding.com/uk/business-credit-scores/how-to-check-your-business-credit-score/): Your business credit score can help determine whether your company will get accepted for credit. This guide explains how to check your business credit score.
- [How to pitch a business idea](https://swoopfunding.com/uk/blog/how-to-pitch-a-business-idea/): It can be easy to come up with a business idea, but knowing how to pitch it is an entirely different matter. Read our top 5 steps for a successful pitch here.
- [How to do a stocktake](https://swoopfunding.com/uk/blog/how-to-do-a-stocktake/): Controlling your stock is important if you want to accurately measure performance. Here we cover all you need to know about how to do a stock take.
- [How to set up a cleaning business](https://swoopfunding.com/uk/blog/how-to-set-up-a-cleaning-business/): Thinking about starting your own cleaning business? Here’s everything you need to know about the process of getting set up in our handy guide.
- [How to create a business PayPal account](https://swoopfunding.com/uk/blog/how-to-create-a-business-paypal-account/): Setting up a business PayPal account can enable you to take payments for products and services without the need to pay for a pricey merchant account.
- [How to set up a courier business](https://swoopfunding.com/uk/blog/how-to-set-up-a-courier-business/): If you’re considering starting your own courier business, it’s important to do your research first. Here’s our guide on how to increase your chances of success.
- [How to become an accountant](https://swoopfunding.com/uk/blog/how-to-become-an-accountant/): If you have strong analytical skills, are good with numbers and enjoy building relationships with people, a profession in finance might be something to consider
- [How to boost cash flow](https://swoopfunding.com/uk/blog/how-to-boost-cash-flow/): Understanding the steps you can take to boost cash flow is important for SMEs. This guide explains how to boost cash flow & keep your business running.
- [How to do a SWOT analysis](https://swoopfunding.com/uk/blog/how-to-do-a-swot-analysis/): Any growing business needs a roadmap to help it work its way through the challenges and opportunities it’s likely to face. Find out how to SWOT here.
- [How to set up an online business](https://swoopfunding.com/uk/blog/how-to-set-up-an-online-business/): Setting up an online business can be a big decision to make. Here’s everything you need to know about setting up your online business.
- [How to file company accounts](https://swoopfunding.com/uk/blog/how-to-file-company-accounts/): All companies are required to file their company accounts with Companies House each year. Read how to file your company accounts here in this handy guide.
- [How to buy and open a franchise](https://swoopfunding.com/uk/blog/how-to-buy-and-open-a-franchise/): If you’re keen to set up your own business, buying a franchise could be a good way to get started. Read how to get started and finance a franchise here.
- [Swoop’s guide to starting the new financial year on the right foot](https://swoopfunding.com/uk/blog/swoops-guide-to-starting-the-new-financial-year-on-the-right-foot/): If you need guidance on how to make your finances work harder in 23/24, you’re in the right place. The...
- [How to calculate liquidity](https://swoopfunding.com/uk/blog/how-to-calculate-liquidity/): Liquidity is an important term to understand if you run a business. This handy guide explains all you need to know about liquidity ratios & the different types.
- [How to manage cash flow](https://swoopfunding.com/uk/blog/how-to-manage-cash-flow/): Managing your cash flow is a crucial part of running a business. If your business lacks the cash to pay for wages, bills and rent, it could ultimately fail.
- [How to sell a percentage of your business](https://swoopfunding.com/uk/blog/how-to-sell-a-percentage-of-your-business/): There are many reasons why you might want to sell a percentage of your business, but it’s important to understand how to do it in the right way. Read on here.
- [How to pay off a cash advance](https://swoopfunding.com/uk/blog/how-to-pay-off-a-cash-advance/): If you need cash fast, you might be tempted to withdraw money on your credit card. This guide takes a look at how cash advances work and how to pay them off.
- [How to get an EORI number](https://swoopfunding.com/uk/blog/how-to-get-an-eori-number/): If you’re thinking about growing your business internationally, it’s likely you’ll need an EORI number. Here’s everything you need to know about the process.
- [How to get a business mortgage](https://swoopfunding.com/uk/commercial-mortgages/how-to-get-a-business-mortgage/): You might need a business mortgage, also known as a commercial mortgage, if you’re looking to buy a new building or release equity from an existing one.
- [Funding the future: how tech entrepreneurs can get ideas to market fast](https://swoopfunding.com/uk/blog/funding-the-future-how-tech-entrepreneurs-can-get-ideas-to-market-fast/): Speed is of the essence when technology is involved. How a business acquires funding can make all the difference Technology...
- [How to create a marketing strategy for your business](https://swoopfunding.com/uk/blog/how-to-create-a-marketing-strategy/): If you want to succeed in a fast-paced marketing world, it’s important to stay ahead of the game and understand how to appeal to your target market.
- [How to finance a new business](https://swoopfunding.com/uk/blog/how-to-finance-a-new-business/): If you’re looking to grow your new business, it’s important to know how to finance it. Read on to discover financing options, and apply with Swoop today.
- [How to calculate capital employed](https://swoopfunding.com/uk/blog/how-to-calculate-capital-employed/): Capital employed refers to the amount of capital investment a business uses to operate. It can help indicate how a company is investing money. Read more here.
- [How to calculate market size](https://swoopfunding.com/uk/blog/how-to-calculate-market-size/): If you’re thinking about launching a business or product, doing your research and assessing how many potential customers you might attract is absolutely crucial
- [How Irish startups can find funding from UK investors](https://swoopfunding.com/uk/blog/how-irish-startups-can-find-funding-from-uk-investors/): AUTHOR: Tobias Møller, Equity Manager The UK’s SEIS and EIS schemes make investment attractive to VCs and angels in the...
- [How to forecast cash flow](https://swoopfunding.com/uk/blog/how-to-forecast-cash-flow/): Knowing how to forecast cash flow is an important part of financial planning when you run a business. This guide explains all you need to know.
- [How to scale a business](https://swoopfunding.com/uk/blog/how-to-scale-a-business/): If you’ve decided you want to grow your business, it’s important to understand how to do it effectively. Read how to effectively scale your business here.
- [Investor Q&A: Ed Stevens - One Planet Capital](https://swoopfunding.com/uk/blog/investor-qa-ed-stevens-one-planet-capital/): Ed Stevens - Co-Founder and Director of One Planet Capital, an EIS fund investing in businesses tackling climate change and...
- [Sole trader finance - all need to know about loans, equity finance, and grants explained](https://swoopfunding.com/uk/blog/what-sole-traders-need-to-know-about-funding-their-business/): Being a sole trader is the fastest and most straightforward way to set yourself up in business. But what does...
- [How to build a property portfolio](https://swoopfunding.com/uk/blog/how-to-build-a-property-portfolio/): Building a property portfolio can be a hugely profitable investment, but only if it’s done right. Read the complete guide to funding and building your portfolio
- [Your biggest bill can harm your cash flow - and your company’s health. Here’s how to address it](https://swoopfunding.com/uk/blog/your-biggest-bill-can-harm-your-cash-flow-and-your-companys-health-heres-how-to-address-it/): VAT finance smooths your company’s outgoings giving you more control over your finances. The mantra at Swoop is: “Cash flow...
- [How to start a buy-to-let business](https://swoopfunding.com/uk/blog/how-to-start-a-buy-to-let-business/): Investing in buy-to-let (BTL) property can be a lucrative business and it can create financial security. Read about funding options and apply here today.
- [How to start a property management company](https://swoopfunding.com/uk/blog/how-to-start-a-property-management-company/): If you’re thinking about starting a property management company, it’s important to do your research and make sure you understand exactly what it involves.
- [How to calculate EBITDA](https://swoopfunding.com/uk/blog/how-to-calculate-ebitda/): There are several metrics businesses can use to calculate their financial health and performance, and EBITDA is one of them. Read how to calculate it here.
- [Slow-to-pay customers shouldn’t hold your business back: Swoop’s solutions can save your business](https://swoopfunding.com/uk/blog/slow-to-pay-customers-shouldnt-hold-your-business-back-swoops-solutions-can-save-your-business/): Invoice finance is a popular way for businesses to unlock the money owed to them. From the earliest days of...
- [How to get a business loan with bad credit](https://swoopfunding.com/uk/blog/how-to-get-a-business-loan-with-bad-credit/): Getting a business loan with bad credit can be more difficult, but it’s certainly not impossible. This guide takes you through your options, and the process.
- [Complete guide to grant funding allocation](https://swoopfunding.com/uk/business-grants/grant-funding-allocation/): Grant funding is when a business is awarded a sum of money by the Government or a private organisation to use for a specific purpose. Read more here.
- [How to get a UTR number](https://swoopfunding.com/uk/blog/how-to-get-a-utr-number/): When you file your self-assessment tax return, you will be asked to enter your UTR number. Find out what a UTR number is, and how to find yours here.
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## Case studies
- [From the basement to app store top charts](https://swoopfunding.com/uk/case-studies/from-the-basement-to-app-store-top-charts/): TheAppLabb is a leading North American app development company that has built over 750 apps in the last 17 years. Read how we supported their growth here.
- [Strategic funding driving groundbreaking innovation](https://swoopfunding.com/uk/case-studies/strategic-funding-driving-groundbreaking-innovation/): Mannin is ready to grow and form international partnerships to amplify their impact. Through collaboration with Swoop, they’ve built a strong relationship.
- [Unexpected and unplanned: how Swoop helped a customer secure a commercial mortgage](https://swoopfunding.com/uk/case-studies/how-swoop-helped-a-customer-secure-a-commercial-mortgage/): Unfair rent hikes give tenants a reason to buy. A stroke of luck and Swoop’s know-how got them moving. Read the full case study here to see how we can help you.
- [A great time for the right deal](https://swoopfunding.com/uk/case-studies/a-great-time-for-the-right-deal/): Our customer in the children's day nursery sector had the experience of owning two properties and was planning to construct a larger, purpose-built unit.
- [Turning dreams into reality with a startup loan](https://swoopfunding.com/uk/case-studies/turning-dreams-into-reality-with-a-startup-loan/): Nicolás Prada opened Piragua Colombian Specialty Store to share his culture and cuisine with the community. Offering homemade Colombian dishes,...
- [Floating to new heights with a streamlined acquisition](https://swoopfunding.com/uk/case-studies/floating-to-new-heights-with-a-streamlined-acquisition/): Meet Rosh, the owner of H2O Float Studio, Toronto’s first float therapy center, located in the iconic Distillery District. See how Swoop helped Rosh here.
- [Even bankers are coming to Swoop for funding](https://swoopfunding.com/uk/case-studies/bankers-coming-to-swoop/): Knowing that Swoop has an established business, Irfan saw an opportunity to use Swoop's marketplace of funders and put the platform to the test. Read more.
- [From seed to stage: how Swoop helped GoToBeat revolutionise gig booking](https://swoopfunding.com/uk/case-studies/gotobeat/): GoToBeat had thought about going through the SEIS raise by themselves and realised that building a relationship with Swoop could be really useful. Read more.
- [How R&D tax credits can be a hidden cash boost for your businesses ](https://swoopfunding.com/uk/rd-tax-credits/how-rd-tax-credits-can-be-a-hidden-cash-boost/): OLT ERP used Swoop purely as a funding platform, and spoke with a funding manager who recommended looking into R&D tax credits. Read how Swoop helped here.
- [My Little Kingdom Day Nursery](https://swoopfunding.com/uk/case-studies/my-little-kingdom/): The purchase of a Yurt required finance, but being a young business Emma and Sarah-Jane struggled to get finance from their bank. Read how Swoop helped here.
- [One year on: how Swoop has helped Complete HQ cover all their clients’ funding needs](https://swoopfunding.com/uk/case-studies/one-year-on-how-swoop-has-helped-complete-hq-cover-all-their-clients-funding-needs/): This accounting firm has found that partnering with Swoop adds to the bottom line in more ways than one Andy...
- [How Swoop has become “like having another section within the business” for growing firm KBG Accountants](https://swoopfunding.com/uk/case-studies/how-swoop-has-become-like-having-another-section-within-the-business-for-growing-firm-kbg-accountants/): Clients’ requests for funding once meant a slow exchange of information with an uncertain outcome. Thanks to Swoop, that’s now...
- [How Venture Finance Management upped their game in helping clients access funding](https://swoopfunding.com/uk/case-studies/how-venture-finance-management-upped-their-game-in-helping-clients-access-funding/): With more clients needing funding, this accountant realised that “good enough” was no longer good enough When others ask for...
- [When it’s time to buy, Swoop can make things move - fast](https://swoopfunding.com/uk/case-studies/swoop-can-make-things-move-fast/): After finding the ideal office space and having his offer accepted, Swoop was approached to obtain a commercial mortgage to complete the purchase. Read more.
- [LJM Bookkeeping: How Swoop is becoming a valuable partner to bookkeepers](https://swoopfunding.com/uk/case-studies/ljm-bookkeeping/): Bookkeepers are perfectly positioned to provide support around funding with the help and support from Swoop. Learn more here.
- [Growing the business of Growing Paper: how Swoop is helping a South African business get ready to hit the international market](https://swoopfunding.com/uk/case-studies/growing-the-business-of-growing-paper/): Growing Paper is a South African company that produces handmade, biodegradable paper embedded with seeds.
- [At Wow, deeper client relationships begin with a conversation about funding](https://swoopfunding.com/uk/case-studies/wow-accountants/): It's easy to see funding as quite an old school, boring topic, but we have great relationships with the team at Swoop. Read more about how Swoop can help you.
- [How Thrive and Swoop are making the perfect partnership](https://swoopfunding.com/uk/case-studies/thrive-accountants/): Swoop was a breath of fresh air. I felt there was a values alignment which I always feel with anyone I deal with. Read all about Thrive's experience with Swoop.
- [How Pink Pig Financials is going the extra mile for clients](https://swoopfunding.com/uk/case-studies/pink-pig-financials/): PPF prides itself on giving businesses more time to spend on the people they love. What does this look like in practice?  Find out how Swoop has helped.
- [Paranimo: "we wouldn't be where we are today without Swoop"](https://swoopfunding.com/uk/case-studies/paranimo/): Swoop's investor matching helped tech startup Paranimo get to market For a technology company, taking a product from the idea...
- [Breaking barriers: how Swoop empowered Easology to grow their digital accessibility business](https://swoopfunding.com/uk/case-studies/easology/): There is a huge market for making technology more accessible. Here’s how Swoop connected a solution provider to the funding...
- [Swoop’s customers built and sold a successful children’s day nursery business](https://swoopfunding.com/uk/case-studies/swoops-customers-built-and-sold-a-successful-childrens-day-nursery-business/): A track record of success and a financial plan have ensured that these business owners can access the funding that will take their business to the next level.
- [Swoop helps Irish tech startup Trigr secure pre-seed funding](https://swoopfunding.com/uk/case-studies/trigr/): Trigr was seeking investment from UK angels and investors - a road Swoop knows well. Trigr is a young company...
- [Restructuring complex ownership to streamline and save](https://swoopfunding.com/uk/case-studies/restructuring-complex-ownership-to-streamline-and-save/): A period of growth saw Swoop’s customer overseeing a number of properties owned by various parties. With Swoop’s help, he...
- [Swoop solves the funding problem for accounting firm](https://swoopfunding.com/uk/case-studies/swoop-solves-the-funding-problem-for-accounting-firm/): Gravitate Accounting used to dread clients asking about funding. Now they see it as an opportunity to delight business owners...
- [Overcoming the barriers to buying out founders](https://swoopfunding.com/uk/case-studies/overcoming-the-barriers-to-buying-out-founders/): Employee-owned businesses can boost engagement, motivation and well-being - but finding the funding isn’t always straightforward. There are a number...
- [Finding a new lender to put their faith in a growing care home business](https://swoopfunding.com/uk/case-studies/finding-a-new-lender-to-put-their-faith-in-a-growing-care-home-business/): When the customer’s former lender left the healthcare market, finding a replacement proved challenging. Then Swoop stepped in. If your...
- [At your convenience: Swoop helps a business owner grow his portfolio of local stores](https://swoopfunding.com/uk/case-studies/at-your-convenience-swoop-helps-a-business-owner-grow-his-portfolio-of-local-stores/): When the banks said “no”, Swoop took over a difficult case - and worked with the customer to find a...
- [Stopping a temporary setback from becoming a long-running problem](https://swoopfunding.com/uk/case-studies/stopping-a-temporary-setback-from-becoming-a-long-running-problem/): Swoop helped customers secure a VAT loan for their business
- [Swoop’s “glass half full” approach enables pub chain to seize opportunity to boost profits](https://swoopfunding.com/uk/case-studies/swoops-glass-half-full-approach-enables-pub-chain-to-seize-opportunity-to-boost-profits/): After Pitcher Pub Group’s existing bank declined the facility request, Swoop stepped in to offer an alternative.
- [Seeing a challenging property purchase through to the end](https://swoopfunding.com/uk/case-studies/seeing-a-challenging-property-purchase-through-to-the-end/): With many other buyers falling at the hurdles on buying a Grade II listed holiday let complex, could Swoop close the deal for our customer?
- [Swoop helps vegan meal company sprout new growth](https://swoopfunding.com/uk/case-studies/swoop-helps-vegan-meal-company-sprout-new-growth/): Vegan meal delivery service The Brook has found that their partnership with Swoop allows them to focus on what truly matters
- [How businesses are refinancing their CBILS loans as their circumstances change](https://swoopfunding.com/uk/case-studies/how-businesses-are-refinancing-their-cbils-loans-as-their-circumstances-change/): CBILS products saved many businesses from failure but as circumstances change, many are finding that their old deals need revisiting
- [AreaWealth case study](https://swoopfunding.com/uk/case-studies/areawealth-case-study/): AreaWealth is a technology driven investment management platform that maximises efficiencies for advisers in managing their clients’ financial needs.
- [Presols case study](https://swoopfunding.com/uk/case-studies/presols-case-study/): Find out how Swoop helped Presols access additional revenue needed to take their business to its next stage of growth.
- [Case Study: Concise Media](https://swoopfunding.com/uk/case-studies/case-study-concise-media/): With Concise Media growing very quickly, the team wanted to ensure that they found a debt option that was right for the business.
- [Purple PR case study](https://swoopfunding.com/uk/case-studies/purple-pr-case-study/):
- [Macacha case study](https://swoopfunding.com/uk/case-studies/macacha-case-study/):
- [Nimble case study](https://swoopfunding.com/uk/case-studies/nimble-case-study/):
- [The Story of Bookbarn International](https://swoopfunding.com/uk/case-studies/the-story-of-bookbarn-international/): After an appearance on Dragons’ Den in 2017 failed to attract investment, William began looking for alternative financial backing to grow the business
- [Case Study: Holy Moly Dips](https://swoopfunding.com/uk/case-studies/case-study-holy-moly-dips/): Holy Moly Dips needed funding and advice in order to design and make their product, bring it over from Mexico and get it into UK supermarkets
- [Case study: Nimble Babies](https://swoopfunding.com/uk/case-studies/case-study-nimble-babies/): Nimble Babies was founded by professional chemist Von Sy when his sister mentioned that his niece’s milk bottles had gone cloudy and she struggled to get them clean
---
## Business glossary
- [Intervention Rate](https://swoopfunding.com/uk/business-glossary/intervention-rate/): The intervention rate is a crucial factor in grant funding, as it defines the amount of funding a grant will provide for a project.
- [Incorporation relief](https://swoopfunding.com/uk/business-glossary/incorporation-relief/): Definition Incorporation relief is a tax relief available in the UK that facilitates the transition of a business from a...
- [Company Names Tribunal](https://swoopfunding.com/uk/business-glossary/company-names-tribunal/): Definition The Company Names Tribunal is a specialised tribunal established to resolve conflicts related to company names.   What is...
- [Copyright Tribunal](https://swoopfunding.com/uk/business-glossary/copyright-tribunal/): Definition The Copyright Tribunal is an independent judicial body established to resolve conflicts related to copyright and related rights.  ...
- [Pubs Code Adjudicator (PCA)](https://swoopfunding.com/uk/business-glossary/pubs-code-adjudicator/): Summary The Pubs Code Adjudicator (PCA) is an independent regulatory body established under the Pubs Code in the UK.  ...
- [Pubs Code](https://swoopfunding.com/uk/business-glossary/pubs-code/): Summary The Pubs Code is a statutory framework introduced in the UK to regulate the relationship between pub companies and...
- [Petroleum Enforcement Authority (PEA)](https://swoopfunding.com/uk/business-glossary/petroleum-enforcement-authority/): Summary The Petroleum Enforcement Authority (PEA) is a regulatory body responsible for overseeing compliance with legislation and regulations governing the...
- [Petroleum storage licence](https://swoopfunding.com/uk/business-glossary/petroleum-storage-licence/): Definition A petroleum storage licence is a regulatory requirement for individuals, businesses, or organisations that store large quantities of petroleum...
- [Office for Standards in Education, Children's Services and Skills (Ofsted)](https://swoopfunding.com/uk/business-glossary/office-for-standards-in-education-childrens-services-and-skills/): Definition The Office for Standards in Education, Children's Services and Skills (Ofsted) is a non-ministerial government department in the UK...
- [Regulation of Childcare](https://swoopfunding.com/uk/business-glossary/regulation-of-childcare/): Definition Regulation of Childcare is a framework designed to ensure the safety, welfare, and quality of childcare services provided to...
- [Hotel Proprietors Act 1956](https://swoopfunding.com/uk/business-glossary/hotel-proprietors-act-1956/): Definition The Hotel Proprietors Act of 1956 is a piece of legislation in the UK that outlines the rights and...
- [Dentists Act 1957](https://swoopfunding.com/uk/business-glossary/dentists-act-1957/): Definition The Dentists Act 1957 is a key piece of legislation in the UK that regulates the dental profession, ensuring...
- [Building Act 1984](https://swoopfunding.com/uk/business-glossary/building-act-1984/): Definition The Building Act 1984 is a piece of legislation in the UK that governs the construction and maintenance of...
- [Care Homes Regulations 2001](https://swoopfunding.com/uk/business-glossary/care-homes-regulations-2001/): Definition The Care Homes Regulations 2001 are a set of regulations introduced by the UK government to establish standards of...
- [CQC certification](https://swoopfunding.com/uk/business-glossary/cqc-certification/): Definition CQC certification refers to the certification granted by the Care Quality Commission (CQC) in the UK.   What is...
- [General beer duty rate](https://swoopfunding.com/uk/business-glossary/general-beer-duty-rate/): Definition The general beer duty rate refers to the standard rate of excise duty applied to the production and sale...
- [Small producer relief](https://swoopfunding.com/uk/business-glossary/small-producer-relief/): Definition Small producer relief (SPR) is a tax relief scheme designed to support small beer, cider, and spirit producers.  ...
- [Agricultural Transition Plan](https://swoopfunding.com/uk/business-glossary/agricultural-transition-plan/): Definition The Agricultural Transition Plan (ATP) outlines the government's strategy for improving agricultural policy following the country's departure from the...
- [P6 form](https://swoopfunding.com/uk/business-glossary/p6-form/): Definition The P6 form is a tax document used in the UK by HM Revenue and Customs (HMRC) to inform...
- [Construction Industry Scheme (CIS)](https://swoopfunding.com/uk/business-glossary/construction-industry-scheme/): Definition The Construction Industry Scheme (CIS) is a tax deduction scheme in the UK that applies specifically to construction work....
- [Cash sweep](https://swoopfunding.com/uk/business-glossary/cash-sweep/): Definition Cash sweep refers to the process by which excess funds in a bank account are automatically transferred into another...
- [Angel syndicate](https://swoopfunding.com/uk/business-glossary/angel-syndicate/): Definition An angel syndicate is a group of individual angel investors who pool their resources and expertise to collectively invest...
- [Deferred income](https://swoopfunding.com/uk/business-glossary/deferred-income/): Definition Deferred income is a liability recorded on a company's balance sheet that represents revenue received in advance of being...
- [Cross rate](https://swoopfunding.com/uk/business-glossary/cross-rate/): Definition A cross rate refers to the exchange rate between two currencies, neither of which is the official currency of...
- [Administrative expenses](https://swoopfunding.com/uk/business-glossary/administrative-expenses/): Definition Administrative expenses refer to the costs incurred by a business in the day-to-day operations and management of its activities....
- [Earnings before tax (EBT)](https://swoopfunding.com/uk/business-glossary/earnings-before-tax/): Definition Earnings before tax (EBT), also known as pre-tax income or profit before tax, is a financial metric used to...
- [Book-to-market ratio](https://swoopfunding.com/uk/business-glossary/book-to-market-ratio/): Definition The book-to-market (B/M) ratio is a financial metric used to evaluate the relative valuation of a company's stock by...
- [Benefit-cost ratio (BCR)](https://swoopfunding.com/uk/business-glossary/benefit-cost-ratio/): Definition The benefit-cost ratio (BCR) is a financial metric used to evaluate the profitability or viability of an investment or...
- [Artificial intelligence (AI)](https://swoopfunding.com/uk/business-glossary/artificial-intelligence/): Definition Artificial intelligence (AI) refers to the simulation of human intelligence in machines, enabling them to perform tasks that typically...
- [Acceleration clause](https://swoopfunding.com/uk/business-glossary/acceleration-clause/): Definition An acceleration clause allows the lender or creditor to demand immediate repayment of the entire outstanding balance or take...
- [Accelerated depreciation](https://swoopfunding.com/uk/business-glossary/accelerated-depreciation/): Definition Accelerated depreciation is a method used in accounting to allocate the cost of a tangible asset over its useful...
- [Small and medium enterprise (SME)](https://swoopfunding.com/uk/business-glossary/small-and-medium-enterprise/): Definition Small and medium enterprise (SME) refers to businesses that typically have a relatively small number of employees and generate...
- [Revenue](https://swoopfunding.com/uk/business-glossary/revenue/): Definition Revenue refers to the total amount of money earned by a company from its normal business activities over a...
- [Quarter to date (QTD)](https://swoopfunding.com/uk/business-glossary/quarter-to-date/): Definition Quarter to date (QTD) refers to the period starting from the beginning of the current quarter up to the...
- [Quarter over quarter (QoQ)](https://swoopfunding.com/uk/business-glossary/quarter-over-quarter/): Definition Quarter over quarter (QoQ) is a financial metric used to analyse changes in a company's performance or a particular...
- [On-demand computing (ODC)](https://swoopfunding.com/uk/business-glossary/on-demand-computing/): Definition On-demand computing (ODC), also known as utility computing or pay-as-you-go computing, is a cloud computing model in which computing...
- [Net foreign income](https://swoopfunding.com/uk/business-glossary/net-foreign-income/): Definition Net foreign income refers to the total income earned by a country's residents from foreign sources, minus the income...
- [Month to date (MTD)](https://swoopfunding.com/uk/business-glossary/month-to-date/): Definition Month to date (MTD) is a financial metric used to track and analyse the performance of a particular measure...
- [Month over month (MoM)](https://swoopfunding.com/uk/business-glossary/month-over-month/): Definition Month over month (MoM) is a financial metric used to compare the performance of a particular variable or indicator...
- [Market value](https://swoopfunding.com/uk/business-glossary/market-value/): Definition Market value, also known as fair market value, refers to the current price at which an asset, security, or...
- [Employer PAYE reference number](https://swoopfunding.com/uk/business-glossary/employer-paye-reference-number/): Definition The employer PAYE reference number, often shortened as "PAYE reference," is a unique identifier assigned to employers by HM...
- [County court judgment (CCJ)](https://swoopfunding.com/uk/business-glossary/county-court-judgment/): Definition A county court judgment (CCJ) is a legal ruling issued by a county court against an individual or business...
- [Non-amortisation loan](https://swoopfunding.com/uk/business-glossary/non-amortisation-loan/): Definition A non-amortising loan, also known as a bullet loan or interest-only loan, is a type of loan where the...
- [CT600](https://swoopfunding.com/uk/business-glossary/ct600/): Definition The CT600 is a form used by companies in the UK to report their corporation tax liability to HM...
- [Cost per unit](https://swoopfunding.com/uk/business-glossary/cost-per-unit/): Definition Cost per unit is a financial metric used to measure the average cost incurred by a company to produce...
- [Scrap value](https://swoopfunding.com/uk/business-glossary/scrap-value/): Definition Scrap value is the estimated value of an asset's components or materials when the asset is no longer in...
- [Salvage value](https://swoopfunding.com/uk/business-glossary/salvage-value/): Definition Salvage value, also known as residual value or scrap value, is the estimated monetary worth of an asset at...
- [Liquidation value](https://swoopfunding.com/uk/business-glossary/liquidation-value/): Definition Liquidation value refers to the estimated cash value that an asset or a business would gain if it were...
- [Chief analytics officer (CAO)](https://swoopfunding.com/uk/business-glossary/chief-analytics-officer/): Definition A chief analytics officer (CAO) is a senior executive within an organisation responsible for leading and overseeing the strategic...
- [Preferential rates](https://swoopfunding.com/uk/business-glossary/preferential-rates/): Definition Preferential rates refer to reduced or favourable tariff rates granted to certain goods when traded between countries that have...
- [Customs value](https://swoopfunding.com/uk/business-glossary/customs-value/): Definition Customs value refers to the monetary worth of goods as assessed by customs authorities for the purpose of calculating...
- [Net expenditure](https://swoopfunding.com/uk/business-glossary/net-expenditure/): Definition Net expenditure refers to the total amount of money spent by an organisation after accounting for any offsetting revenues,...
- [Indirect cost](https://swoopfunding.com/uk/business-glossary/indirect-cost/): Definition Indirect costs, commonly referred to as overhead costs, are expenses that are challenging to directly assign to a specific...
- [Sell rate  ](https://swoopfunding.com/uk/business-glossary/sell-rate/): Definition Sell rate typically refers to the exchange rate at which a financial institution, such as a bank, sells foreign...
- [Buy rate  ](https://swoopfunding.com/uk/business-glossary/buy-rate/): Definition The term "buy rate" typically refers to the interest rate at which a financial institution, such as a bank,...
- [Write down](https://swoopfunding.com/uk/business-glossary/write-down/): Definition In business and finance, a "write down" refers to the accounting practice of reducing the book value of an...
- [Withdrawal](https://swoopfunding.com/uk/business-glossary/withdrawal/): Definition A withdrawal refers to the act of removing funds from a business account or using business resources for personal...
- [Term loan](https://swoopfunding.com/uk/business-glossary/term-loan/): Definition A term loan is a type of loan that provides a specific amount of capital to a business for...
- [Tax credit](https://swoopfunding.com/uk/business-glossary/tax-credit/): Definition In a business context, a tax credit refers to a financial incentive provided by the government to encourage certain...
- [Sales tax](https://swoopfunding.com/uk/business-glossary/sales-tax/): Definition Sales tax is a consumption-based tax imposed by governments on the sale of goods and, in some cases, services....
- [Writing down allowances (WDA)](https://swoopfunding.com/uk/business-glossary/writing-down-allowances/): Definition Writing down allowance (WDA) is a term commonly used in the UK in the context of capital allowances. Capital...
- [Structures and buildings allowance (SBA)](https://swoopfunding.com/uk/business-glossary/structures-and-buildings-allowance/): Definition The structures and buildings allowance is a tax relief and was introduced by the UK government to stimulate investment...
- [Spring statement](https://swoopfunding.com/uk/business-glossary/spring-statement/): Definition The spring statement is a financial statement made by the Chancellor of the Exchequer in the UK. It is...
- [Repayment](https://swoopfunding.com/uk/business-glossary/repayment/): Definition Repayment refers to the process of returning borrowed funds or fulfilling a financial obligation according to the terms. What...
- [Quarterly report](https://swoopfunding.com/uk/business-glossary/quarterly-report/): Definition A quarterly report is a financial document made by a publicly traded company every quarter, typically at the end...
- [Net asset value](https://swoopfunding.com/uk/business-glossary/net-asset-value/): Definition Net asset value (NAV) is a financial metric that represents the per-share market value of a mutual fund, exchange-traded...
- [Negative equity](https://swoopfunding.com/uk/business-glossary/negative-equity/): Definition Negative equity refers to a situation where the total liabilities of a company exceed its total assets, resulting in...
- [Money flow](https://swoopfunding.com/uk/business-glossary/money-flow/): Definition Money flow in business generally refers to the movement or circulation of funds within a company. What is money...
- [Long-term liabilities](https://swoopfunding.com/uk/business-glossary/long-term-liabilities/): Definition Long-term liabilities, also known as non-current liabilities, are financial obligations and debts that a company is expected to settle...
- [Insider trading](https://swoopfunding.com/uk/business-glossary/insider-trading/): Definition Insider trading in business refers to the illegal practice of buying or selling a company's securities (such as stocks,...
- [Fixed cost](https://swoopfunding.com/uk/business-glossary/fixed-cost/): Definition Fixed costs are expenses that remain constant within a certain range of production or sales volume over a specific...
- [First-year allowance (FYA)](https://swoopfunding.com/uk/business-glossary/first-year-allowance/): Definition First-year allowance (FYA) refers to a tax incentive that allows businesses to deduct the full cost of qualifying capital...
- [Financial year](https://swoopfunding.com/uk/business-glossary/financial-year/): Definition A financial year, also known as a fiscal year or accounting year, is a 12-month period that businesses use...
- [Exit strategy](https://swoopfunding.com/uk/business-glossary/exit-strategy/): Definition An exit strategy in business refers to a planned approach by business owners or investors to sell or transfer...
- [Base rate](https://swoopfunding.com/uk/business-glossary/base-rate/): Definition A base rate, in the context of finance and banking, refers to a benchmark interest rate that serves as...
- [Annual investment allowance (AIA)](https://swoopfunding.com/uk/business-glossary/annual-investment-allowance/): Definition The annual investment allowance (AIA) is a tax incentive designed to encourage business investment in qualifying assets, and is...
- [Accounts receivable](https://swoopfunding.com/uk/business-glossary/accounts-receivable/): Definition Accounts receivable refers to the outstanding amounts that a business has yet to collect from its customers or clients...
- [Accounting period](https://swoopfunding.com/uk/business-glossary/accounting-period/): Definition An accounting period, also referred to as a fiscal period or financial period, is a defined span of time...
- [Vertical integration](https://swoopfunding.com/uk/business-glossary/vertical-integration/): Definition Vertical integration is a business strategy in which a company expands its operations across different stages of the same...
- [Variable cost](https://swoopfunding.com/uk/business-glossary/variable-cost/): Definition Variable costs are expenses that vary in direct proportion to the level of production or business activity. What are...
- [Value chain](https://swoopfunding.com/uk/business-glossary/value-chain/): Definition A value chain is a concept in business that describes the series of activities and processes a company undertakes...
- [Unlimited liability](https://swoopfunding.com/uk/business-glossary/unlimited-liability/): Definition Unlimited liability in business and finance refers to a legal and financial structure where the owners are personally responsible...
- [Total debt to total assets ratio](https://swoopfunding.com/uk/business-glossary/total-debt-to-total-assets-ratio/): Definition The total debt to total assets ratio is a financial metric used to evaluate the financial leverage of a...
- [Total shareholder return (TSR)](https://swoopfunding.com/uk/business-glossary/total-shareholder-return/): Definition Total shareholder return (TSR) is a financial metric that measures the total return an investor receives from an investment...
- [Sole trader](https://swoopfunding.com/uk/business-glossary/sole-trader/): Definition A sole trader is a type of business structure where an individual operates and owns a business independently. In...
- [Supply chain](https://swoopfunding.com/uk/business-glossary/supply-chain/): Definition A supply chain is a network of organisations, individuals, activities, resources, and information involved in the creation, production, distribution,...
- [Startup](https://swoopfunding.com/uk/business-glossary/startup-definition/): Definition A startup in business refers to a newly established company or organisation that is in the early stages of...
- [Stakeholder value](https://swoopfunding.com/uk/business-glossary/stakeholder-value/): Definition Stakeholder value is a management principle that emphasises the importance of creating value not only for shareholders, but also...
- [Shareholder value](https://swoopfunding.com/uk/business-glossary/shareholder-value/): Definition Shareholder value refers to the total worth of a company as determined by the market value of its outstanding...
- [Sector](https://swoopfunding.com/uk/business-glossary/sector/): Definition In business and finance, a sector refers to a distinct category or grouping of companies, organisations, or industries that...
- [Return on invested capital (ROIC)](https://swoopfunding.com/uk/business-glossary/return-on-invested-capital/): Definition Return on invested capital (ROIC) is a financial metric used to evaluate the efficiency and profitability of a company...
- [Residual value](https://swoopfunding.com/uk/business-glossary/residual-value/): Definition Residual value, also known as salvage value or scrap value, is a financial term used in various contexts, particularly...
- [Quick assets](https://swoopfunding.com/uk/business-glossary/quick-assets/): Definition Quick assets, also known as liquid assets or current liquid assets, refer to a company's most readily convertible and...
- [Quality of earnings](https://swoopfunding.com/uk/business-glossary/quality-of-earnings/): Definition Quality of earnings is a term used in finance and accounting to assess the reliability and sustainability of a...
- [Pricing strategy](https://swoopfunding.com/uk/business-glossary/pricing-strategy/): Definition Pricing strategy is a fundamental component of a business's overall marketing and financial strategy. What is a pricing strategy?...
- [Personal liability](https://swoopfunding.com/uk/business-glossary/personal-liability/): Definition Personal liability in business and finance refers to the legal responsibility of an individual, often the owner or operator...
- [Operational effectiveness](https://swoopfunding.com/uk/business-glossary/operational-effectiveness/): Definition Operational effectiveness refers to the degree to which an organisation can execute its core activities and processes efficiently and...
- [Obligations](https://swoopfunding.com/uk/business-glossary/obligations/): Definition Obligations in a business context refer to the legal, financial, and ethical responsibilities that a company or organisation has...
- [Overdraft](https://swoopfunding.com/uk/business-glossary/overdraft/): Definition An overdraft is a financial arrangement provided by a bank or financial institution that allows an account holder to...
- [Operating margin](https://swoopfunding.com/uk/business-glossary/operating-margin/): Defintion Operating margin is a financial metric that measures the profitability of a company's core operations. What is operating margin?...
---
## Podcasts & Videos
- [Marketing 101: Tips and tricks and how to grow your business](https://swoopfunding.com/uk/podcasts-videos/marketing-101-tips-and-tricks-and-how-to-grow-your-business/): Ready to take your business to the next level? Watch this engaging webinar where Tabitha, our Advisor Marketing Manager, and...
- [Insider secrets to buying and selling a business](https://swoopfunding.com/uk/podcasts-videos/insider-secrets-to-buying-and-selling-a-business/): Join Ciaran Burke (COO & Co-Founder, Swoop) and Blake Hutchison (CEO, Flippa) as they reveal expert strategies for buying and selling businesses.
- [What You Need to Know About Workplace Pensions After the Budget](https://swoopfunding.com/uk/podcasts-videos/what-you-need-to-know-about-workplace-pensions-after-the-budget/): Watch this webinar to explore the latest budget changes affecting Workplace Pensions. We are discussing updates to auto-enrolment, employer contributions,...
- [Getting Your Clients Ready for Black Friday and Christmas](https://swoopfunding.com/uk/podcasts-videos/getting-your-clients-ready-for-black-friday-and-christmas/): Watch the webinar to help your clients prepare for Black Friday and Christmas, and learn about: Business loans Revenue based...
- [Swoop for Advisors: Setting you up for success](https://swoopfunding.com/uk/podcasts-videos/swoop-for-advisors-setting-you-up-for-success-2/): This webinar covers: See the scope of Swoop's offering, from grants, savings and equity to debt Understand how we can...
- [Swoop Funding: Equity masterclass](https://swoopfunding.com/uk/podcasts-videos/equity-masterclass/): This masterclass covers: Investor Outreach S/EIS Advance Assurance Pitch Deck / Pitch Deck Review
- [Swoop Funding: Commercial property masterclass](https://swoopfunding.com/uk/podcasts-videos/commercial-property-masterclass/): Explore how to effectively assist your clients in securing business premises, investing in commercial properties, and expanding residential portfolios with...
- [Swoop Funding: Grants masterclass](https://swoopfunding.com/uk/podcasts-videos/grants-masterclass/): The webinar covers: Key insights into how you can navigate the grant landscape Examples of successful grant winners and what...
- [From books to bots: The journey of ReThink | Take the Plunge Podcast](https://swoopfunding.com/uk/podcasts-videos/from-books-to-bots/): This week Ciaran and his guest of this episode, female founder Lucy McCarraher discuss her journey in the publishing world....
- [Swoop for Advisors: Asset finance masterclass](https://swoopfunding.com/uk/podcasts-videos/asset-finance-masterclass/): Discover our asset finance solutions, ideal for business expansion, working capital, and equipment acquisition. Whether acquiring new assets or releasing...
- [Swoop for Advisors: Unsecured masterclass](https://swoopfunding.com/uk/podcasts-videos/unsecured-masterclass/): Discover our range of unsecured funding products, perfect for business expansion, working capital, recruitment, and more. The webinar covers: Business...
- [Swoop for Brokers: Go Further with Funding](https://swoopfunding.com/uk/podcasts-videos/swoop-for-brokers-go-further-with-funding/): The webinar covers: How does Swoop for Brokers add to your offering? A deeper understanding of the unsecured market Advantages...
- [All things R&D](https://swoopfunding.com/uk/podcasts-videos/all-things-rd/): Join our COO and Co-founder, Ciaran Burke, and R&D Case Manager, Sahil Shethia, for a chat about Research and Development (R&D).
- [Swoop for Advisors: Go Further with Funding](https://swoopfunding.com/uk/podcasts-videos/go-further-with-funding/): The webinar covers: How Swoop for Advisors adds to your offering? How to spot opportunities across debt, equity, grants and...
- [DAS 2024: Sam Newton interview](https://swoopfunding.com/uk/podcasts-videos/sam-newton-interview/):
- [DAS 2024: Georgi Rollings interview](https://swoopfunding.com/uk/podcasts-videos/georgi-rollings-interview/):
- [DAS 2024: Stuart Grosvenor interview](https://swoopfunding.com/uk/podcasts-videos/stuart-grosvenor-interview/):
- [DAS 2024: Andy Sullivan interview](https://swoopfunding.com/uk/podcasts-videos/andy-sullivan-interview/):
- [Swoop for Advisors: Explainer](https://swoopfunding.com/uk/podcasts-videos/swoop-for-advisors-explainer/):
- [ICAEW Webinar: Funding for your clients / practice](https://swoopfunding.com/uk/podcasts-videos/icaew-webinar-funding-for-your-clients/):
- [Client Funding: The Final Piece in your Advisory Offering](https://swoopfunding.com/uk/podcasts-videos/the-final-piece-in-your-advisory-offering/): In this webinar, you'll discover: Why you should integrate funding into your existing advisory services How Swoop for Advisors works...
- [Swoop for Bookkeepers: Wowing your clients with funding & Savings advisory](https://swoopfunding.com/uk/podcasts-videos/wowing-your-clients-with-funding-and-savings-advisory/):
- [Swoop for Advisors: Getting the most out of Swoop](https://swoopfunding.com/uk/podcasts-videos/sfa-getting-the-most-out-of-swoop/): In this webinar, Marcus Batson shows you the Why, the What and the How when it comes to delivering funding...
- [Swoop for Advisors: Navigating the grants landscape with Swoop](https://swoopfunding.com/uk/podcasts-videos/swoop-for-advisors-navigating-the-grants-landscape-with-swoop/): Grants can become a valuable resource and key differentiator for you as an advisor. The webinar covers: Key insights into...
- [Swoop for Advisors: Using your Assets](https://swoopfunding.com/uk/podcasts-videos/swoop-for-advisors-using-your-assets/): What you'll be finding out about in this webinar: Different types of asset finance and how it can be used...
- [Swoop for Advisors: Setting you up for success](https://swoopfunding.com/uk/podcasts-videos/swoop-for-advisors-setting-you-up-for-success/): Watch the webinar to: See the scope of Swoop's offering, from grants, savings and equity to debt Understand how we...
- [Swoop for Advisors: R&D changes and what it means to your clients](https://swoopfunding.com/uk/podcasts-videos/swoop-for-advisors-rd-changes-and-what-it-means-to-your-clients/): R&D tax credits provide significant financial benefits to innovative companies, yet many accountants miss this opportunity to add value for...
- [Swoop for Advisors: HMRC Funding](https://swoopfunding.com/uk/podcasts-videos/swoop-for-advisors-hmrc-funding/): The webinar addresses how Swoop can assist clients facing the following challenges: Are your clients struggling to meet their HMRC...
- [December pitch event](https://swoopfunding.com/uk/podcasts-videos/december-pitch-event/): Six different companies will pitch for investment. Join us for an insightful session and exciting investment opportunities!
- [Swoop for Advisors: Platform Demo and Funding Landscape](https://swoopfunding.com/uk/podcasts-videos/swoop-for-advisors-platform-demo-and-funding-landscape/): Watch here for useful insights on: Swoop for Advisors Up to date guidance on the ever-changing funding landscape Current changes...
- [Unpacking the 2023 Autumn Statement for business owners](https://swoopfunding.com/uk/podcasts-videos/unpacking-the-2023-autumn-statement/): Join Swoop’s founders, Andrea Reynolds and Ciaran Burke in this webinar as they delve into this season’s budget and unpack the importance to your business.
- [Swoop for Advisors: Cash Flow Confidence - The latest options for you and your clients](https://swoopfunding.com/uk/podcasts-videos/swoop-for-advisors-cash-flow-confidence-the-latest-options-for-you-and-your-clients/): The webinar will cover: Supporting working capital from a funding perspective Quick to market access for a variety of solutions...
- [Funding & Friends: Mastering cashflow for small business success: overcoming pay run bottlenecks and late payments](https://swoopfunding.com/uk/podcasts-videos/funding-friends-mastering-cashflow-for-small-business-success-overcoming-pay-run-bottlenecks-and-late-payments/): In our new webinar series "Funding & Friends" we will meet with different industry apps to understand what problems they...
- [Make cash flow work for you: Swoop's experts share essential tools that will immediately make your business stronger](https://swoopfunding.com/uk/podcasts-videos/make-cash-flow-work-for-you-swoops-experts-share-essential-tools-that-will-immediately-make-your-business-stronger/): In any business, Cash is King. But with the pressures of rising interest, inflation and Brexit, keeping your business solvent...
- [Advisor insights: Quarterly market update](https://swoopfunding.com/uk/podcasts-videos/advisor-insights-quarterly-market-update/): Sam Tasker-Grindley, Head of Swoop for Advisors, discusses market updates, tips and interesting market insights with Kerry Dwyer, Equity &...
- [What is Open Banking?](https://swoopfunding.com/uk/podcasts-videos/what-is-open-banking-2/): Swoop Funding's Head of Content answers all you need to know on the basics of Open Banking and why we...
- [Pamela Laird - MoxiLoves | Take The Plunge Podcast. S5 Ep.1](https://swoopfunding.com/uk/podcasts-videos/pamela-laird-moxiloves-take-the-plunge-podcast-s5-ep-1/): In this episode, Ciaran meets Pamela Laird a renowned entrepreneur and the creative force behind MoxiLoves, a thriving beauty and...
- [Swoop x Fulcrum Webinar: Navigating new regulations and seeking funding in the Care Sector](https://swoopfunding.com/uk/podcasts-videos/navigating-new-regulations-and-seeking-funding-in-the-care-sector/): Swoop & Fulcrum Care have partnered up to bring you this webinar to walk you through new regulations and seeking funding in the Care Sector.
- [Kirk and Kirk: Inspiring and exciting eye wear](https://swoopfunding.com/uk/podcasts-videos/kirk-and-kirk-inspiring-and-exciting-eye-wear/): Kirk and Kirk is a Brighton based, family run eyewear business pioneered by Jason and Karen Kirk. A business that...
- [Webinar: Changes in 2023 - Prepare for the end of the fiscal year](https://swoopfunding.com/uk/podcasts-videos/webinar-changes-in-2023-prepare-for-the-end-of-the-fiscal-year/): This webinar will lead you through all of the updates you need to know as a business owner ahead of...
- [Julia Vendramin - LABELL-D | Take The Plunge Podcast. S4 Ep.3](https://swoopfunding.com/uk/podcasts-videos/julia-vendramin-labell-d-take-the-plunge-podcast-s4-ep-3/): We are thrilled to release our podcast with the co-founder of LABELL-D - Julia Vendramin. Julia discusses her long spanning...
- [Webinar: Autumn Statement: what you need to know](https://swoopfunding.com/uk/podcasts-videos/webinar-autumn-statement-what-you-need-to-know/): Following the Autumn Statement, Swoop hosted a webinar packed with insights from Andrea Reynolds and Ciaran Burke, Founders at Swoop....
- [Everything you need to know about Corporation Tax](https://swoopfunding.com/uk/podcasts-videos/everything-you-need-to-know-about-corporation-tax/): Changes are due to be made in corporation tax next year. This video explains what corporation tax is and how...
- [Funding your studio - Swoop | F45](https://swoopfunding.com/uk/podcasts-videos/funding-your-studio-swoop-f45/): Watch how Swoop helped F45 maple become one of the top performing studios in Ontario using cash management products.
- [What does the Budget update mean for businesses? | Andrea Reynolds & Ciaran Burke](https://swoopfunding.com/uk/podcasts-videos/what-does-the-budget-update-mean-for-businesses-andrea-reynolds-ciaran-burke/): Swoop co-founders Andrea Reynolds & Ciaran Burke respond to the latest Budget announced by Jeremy Hunt on Monday October 17th....
- [Webinar: Advisor Insights - Quarterly Market Update](https://swoopfunding.com/uk/podcasts-videos/webinar-advisor-insights-quarterly-market-update/): Ian Hawkins, Head of Content, will discuss market updates, tips and interesting market insights with Kerry Dwyer, Equity & Grants...
- [Webinar: Advisor Insights - Secured lending](https://swoopfunding.com/uk/podcasts-videos/webinar-advisor-insights-secured-lending/): In this Webinar Sam Tasker-Grindley discussed the funding landscape in the commercial mortgage and asset finance market in the UK...
- [Webinar: How to fast-track your R&D claim | SeedLegals](https://swoopfunding.com/uk/podcasts-videos/webinar-how-to-fast-track-your-rd-claim-seedlegals/): Swoop and SeedLegals have teamed up to bring you this webinar on how to ensure your R&D claim is successful...
- [Webinar: Budget Statement | Swoop Analysis](https://swoopfunding.com/uk/podcasts-videos/webinar-budget-statement-swoop-analysis/): Swoop responds to the mini-budget with tips on how to grow your business.
- [Webinar: Funding Advisory](https://swoopfunding.com/uk/podcasts-videos/webinar-funding-advisory/): In this webinar Joe Mawby, Business Development Manager at Swoop, explains how Swoop can take your funding advisory service to...
- [Inverse Funding - Jamie Harford | Take The Plunge Podcast](https://swoopfunding.com/uk/podcasts-videos/inverse-funding-jamie-harford-take-the-plunge-podcast/): In this week's episode of 'Take the plunge' Swoop Founder Ciaran Burke is speaking to Inverse Funding Founder Jamie Harford....
- [Webinar: Life after RLS](https://swoopfunding.com/uk/podcasts-videos/webinar-life-after-rls/): In this webinar we will discuss Cash flow solutions, startup loans and grants among other things
- [Andrew Van De Beek | Take The Plunge Podcast](https://swoopfunding.com/uk/podcasts-videos/andrew-van-de-beek-take-the-plunge-podcast/): Finding your purpose, accounting and whiskey with Andrew Van De Beek. In this week's episode of 'Take the plunge' Swoop...
- [Q&A: Looking after your mental health and your finances](https://swoopfunding.com/uk/podcasts-videos/qa-looking-after-your-mental-health-and-your-finances/): Watch a recording of our webinar with Eugene Farrell, Mental Health Lead at AXA Health, to explore the correlation between...
- [Swoop for Advisors new portal demo](https://swoopfunding.com/uk/podcasts-videos/swoop-for-advisors-new-portal-demo/): If you’ve wondered what the new Swoop portal can do for you and your business, here’s your opportunity to find...
- [Swoop Pitch Series: April 2022](https://swoopfunding.com/uk/podcasts-videos/swoop-pitch-series-april-2022/): Hosted by Swoop Equity Manager Bobby Gleeson, founders from exciting businesses had five minutes to pitch and impress viewers with...
- [North Point Distillery - Alex MacDonald | Take The Plunge Podcast](https://swoopfunding.com/uk/podcasts-videos/north-point-distillery-alex-macdonald-take-the-plunge-podcast/): We are happy to introduce Alex MacDonald, Co-founder of North Point Distillery, for the sixth instalment of our “Take the...
- [The Vurger Co - Neil Potts and Rachel Hugh | Take The Plunge Podcast](https://swoopfunding.com/uk/podcasts-videos/the-vurger-co-neil-potts-and-rachel-hugh-take-the-plunge-podcast/): We’re delighted to introduce Neil Potts and Rachel Hugh, Co-founders of The Vurger Co, for the fifth instalment of our...
- [Un:hurd - Alex Brees | Take The Plunge Podcast](https://swoopfunding.com/uk/podcasts-videos/unhurd-alex-brees-take-the-plunge-podcast/): We were delighted to be joined by Alex Brees, Founder and CEO of un:hurd, for the third instalment of our...
- [CIRCLA - Claudia Gwinnutt | Take The Plunge Podcast](https://swoopfunding.com/uk/podcasts-videos/circla-claudia-gwinnutt-take-the-plunge-podcast/): We were very excited to be joined by Claudia Gwinnutt, Founder and CEO of CIRCLA, for the second instalment of...
- [Bad Moon Talent - Andrew Drake | Take The Plunge Podcast](https://swoopfunding.com/uk/podcasts-videos/bad-moon-talent-andrew-drake-take-the-plunge-podcast/): We were delighted to be joined by Andrew Jake, Co-founder and CEO of Bad Moon Talent, for the first instalment...
- [Unplugged - Hector Hughes | Take The Plunge Podcast](https://swoopfunding.com/uk/podcasts-videos/unplugged-hector-hughes-take-the-plunge-podcast/): The fourteenth instalment of our "Take the Plunge" podcast season 2 is now live. We were delighted to be joined...
- [Debt Consolidation with Sam Lockwood](https://swoopfunding.com/uk/podcasts-videos/debt-consolidation-with-sam-lockwood/):
- [Advisor Webinar - How 2022 will be different for SMEs](https://swoopfunding.com/uk/podcasts-videos/advisor-webinar-how-2022-will-be-different-for-smes/):
- [Be-Hookd - George James | Take The Plunge Podcast](https://swoopfunding.com/uk/podcasts-videos/be-hookd-george-james-take-the-plunge-podcast/): We are thrilled to introduce George James, CEO of Be-Hookd, for the thirteenth instalment of our "Take the Plunge" podcast...
- [Ask the experts: Swoop and Starling on RLS and ESG](https://swoopfunding.com/uk/podcasts-videos/ask-the-experts-swoop-and-starling-on-rls-and-esg/):
- [Orchid Black – Jim Barnish | Take The Plunge Podcast](https://swoopfunding.com/uk/podcasts-videos/orchid-black-jim-barnish-take-the-plunge-podcast/): We're pleased to introduce Jim Barnish, founder and Managing Partner of Orchid Black, for the eleventh instalment of our "Take...
- [Get ready for Christmas '21: stock and staff](https://swoopfunding.com/uk/podcasts-videos/get-ready-for-christmas-21-stock-and-staff/): You need to be ready for what will be a make-or-break Christmas. The elves at Swoop have a few ideas...
- [Sk|in - Ben Barter | Take The Plunge Podcast](https://swoopfunding.com/uk/podcasts-videos/skin-ben-barter-take-the-plunge-podcast/): We’re delighted to be live with the eighth instalment of our ‘Take The Plunge’ podcast series season 2, this time...
- [Nú Infusions - Conor Meehan | Take The Plunge Podcast](https://swoopfunding.com/uk/podcasts-videos/nu-infusions-conor-meehan-take-the-plunge-podcast/): We’re delighted to have Conor Meehan, co-founder of Nú Infusions, join us for the sixth episode of our ‘Take The...
- [Advisor demo video](https://swoopfunding.com/uk/podcasts-videos/advisor-demo-video/):
- [Futrli - Hannah Dawson | Take The Plunge Podcast](https://swoopfunding.com/uk/podcasts-videos/futrli-hannah-dawson-take-the-plunge-podcast/): We were very excited to have Hannah Dawson, CEO and Founder of Futrli, take part in the third episode of...
- [Webinar recording: How to grow your business safely in the "new normal"](https://swoopfunding.com/uk/podcasts-videos/webinar-recording-how-to-grow-your-business-safely-in-the-new-normal/):
- [Tribu Hair - Glen Brophy | Take The Plunge Podcast](https://swoopfunding.com/uk/podcasts-videos/tribu-hair-glen-brophy-take-the-plunge-podcast/): In this week’s ‘Take the Plunge’ episode, we’re joined by the founder of Tribu Hair, Glen Brophy. With 17 years...
- [Foodomnia - Mark Murphy | Take The Plunge Podcast](https://swoopfunding.com/uk/podcasts-videos/foodomnia-mark-murphy-take-the-plunge-podcast/): We were very happy to be joined by Mark Murphy, founder of Foodomnia, for the thirteenth instalment of our ‘Take...
- [Country & Townhouse - Jeremy Isaac | Take The Plunge Podcast](https://swoopfunding.com/uk/podcasts-videos/country-townhouse-jeremy-isaac-take-the-plunge-podcast/): For the eleventh instalment of our ‘Take The Plunge’ podcast series, we were pleased to welcome Jeremy Isaac, co-founder and...
- [Bunsen - Finn Gleeson | Take The Plunge Podcast](https://swoopfunding.com/uk/podcasts-videos/bunsen-finn-gleeson-take-the-plunge-podcast/): We are excited to announce that the tenth episode of our ‘Take The Plunge’ podcast series with one of the...
- [Infinite Management - Sam Patterson and Monica Gartner | Take The Plunge Podcast](https://swoopfunding.com/uk/podcasts-videos/infinite-management-sam-patterson-and-monica-gartner-take-the-plunge-podcast/): We were thrilled to be joined by Sam Patterson and Monica Gartner for the ninth episode of our ‘Take the...
- [Just Work - Joanna Wilson | Take The Plunge Podcast](https://swoopfunding.com/uk/podcasts-videos/just-work-joanna-wilson-take-the-plunge-podcast/): It’s time for the eighth instalment of our ‘Take The Plunge’ podcast series. This week, we’re joined by Joanna Wilson,...
- [Arts Thread - Alex Brownless | Take The Plunge Podcast](https://swoopfunding.com/uk/podcasts-videos/arts-thread-alex-brownless-take-the-plunge-podcast/): Another episode of our ‘Take the plunge’ podcast series is now live. This week, we were delighted to welcome Alex...
- [Sons - Will Kennedy & Adrian Gilbane | Take The Plunge Podcast](https://swoopfunding.com/uk/podcasts-videos/sons-will-kennedy-adrian-gilbane-take-the-plunge-podcast/): It’s time for the fifth instalment of our ‘Take the plunge’ podcast series with Will Kennedy and Adrian Gilbane, the...
- [Bua Fit - Dave Stapleton | Take The Plunge Podcast](https://swoopfunding.com/uk/podcasts-videos/bua-fit-dave-stapleton-take-the-plunge-podcast/): We were delighted to kick-off our new ‘Take the plunge’ podcast series with BUA FIT, who offer 1000s of group...
- [Neil Dillon on Equity and Funding Your Business | Swoop Funding Webinar Summary](https://swoopfunding.com/uk/podcasts-videos/neil-dillon-on-equity-and-funding-your-business-swoop-funding-webinar-summary/):
- [What Is A Working Capital Loan?](https://swoopfunding.com/uk/podcasts-videos/what-is-a-working-capital-loan/):
- [Swoop Funding - What Is Swoop?](https://swoopfunding.com/uk/podcasts-videos/swoop-funding-what-is-swoop/):
- [How do I value my business?](https://swoopfunding.com/uk/podcasts-videos/how-do-i-value-my-business/):
- [Swoop Founders Series - Terence Lapidus, Up Full](https://swoopfunding.com/uk/podcasts-videos/swoop-founders-series-terence-lapidus-up-full/):
---
## International Money Transfers
---
## Trusted Advisors
- [Valued](https://swoopfunding.com/uk/trusted-advisors/valued/): Empowering business owners through caring, values-based accounting and mentoring. We simplify the numbers so you can focus on making a...
- [Buzz Accounting](https://swoopfunding.com/uk/trusted-advisors/buzz-accounting/): We combine easy-to-use tools with expert support, so you can focus on running your business while we handle the hard...
- [Elver E-Commerce Accountants](https://swoopfunding.com/uk/trusted-advisors/elver-e-commerce-accountants/): Specialist UK accountants for e-commerce businesses. We provide tailored bookkeeping, VAT/GST compliance, and strategic financial guidance to help online retailers...
- [The Wow Company](https://swoopfunding.com/uk/trusted-advisors/the-wow-company/): We're The Wow Company. We are a specialist accountancy firm who has spent over 20 years supporting agencies, consultancies and...
- [Chapel Road Accounting Services Limited](https://swoopfunding.com/uk/trusted-advisors/chapel-road-accounting-services-limited/): CRASL helps UK businesses thrive with friendly, expert accounting, bookkeeping, and payroll services—making your numbers simple, clear, and stress-free.
- [Gow and Partners Ltd](https://swoopfunding.com/uk/trusted-advisors/gow-and-partners-ltd/): A fractional finance team to support your growth with scalable finance support. Transform how you manage your finances and accelerate...
- [SHMS Accountants Ltd](https://swoopfunding.com/uk/trusted-advisors/shms-accountants-ltd/): At SHMS Ltd, we provide expert accounting, business advisory, and strategic support to help UK SMEs unlock growth and improve...
- [Redash Group](https://swoopfunding.com/uk/trusted-advisors/redash-group/): Redash Group specialises in corporate finance, funding, and M&A advisory. Our Analyse | Connect | Execute approach helps businesses secure...
- [RAM Accountants](https://swoopfunding.com/uk/trusted-advisors/ram-accountants/): A bespoke, reliable and proactive accounting practice allowing you to focus on what's important; building your business.
- [RJF](https://swoopfunding.com/uk/trusted-advisors/rjf/): RJF Accountants is built for startups, led by a founder who’s invested in and scaled businesses himself. Get expert financial...
- [Blu Sky Chartered Accountants](https://swoopfunding.com/uk/trusted-advisors/blu-sky-chartered-accountants/): Blu Sky Chartered Accountants is a high-growth cloud accountancy firm based in the North East of England. We specialize in...
- [Accounts Direct](https://swoopfunding.com/uk/trusted-advisors/accounts-direct/): Accounts Direct provides hassle-free accounting, bookkeeping, and advisory services for UK businesses. We simplify finances with expert support, automation, and...
- [Walk The Talk Training Limited](https://swoopfunding.com/uk/trusted-advisors/walk-the-talk-training-limited/): Welcome to Valued, Durham's trusted accountants and Xero specialists. We help sole traders and small limited companies transform their businesses...
---
## Grants calendar
- [BBSRC new investigator award: 2025 round 3: applicant-led mode](https://swoopfunding.com/grants-calendar/bbsrc-new-investigator-award-2025-round-3-applicant-led-mode/): The BBSRC New Investigator Award: 2025 Round 3 (Applicant-led Mode) is a grant designed to support early-career researchers in the...
- [Farming Futures R&D Fund: low emissions farming](https://swoopfunding.com/grants-calendar/farming-futures-rd-fund-low-emissions-farming/): UK registered organisations can apply for a share of up to £12. 5 million for industrial research projects from the...
- [Farming Futures R&D Fund: Precision Breeding competition](https://swoopfunding.com/grants-calendar/farming-futures-rd-fund-precision-breeding-competition/): UK registered businesses can apply for a share of up to £12. 5 million for precision breeding of arable and...
- [Cyber security academic startup accelerator programme year nine: phase one](https://swoopfunding.com/grants-calendar/cyber-security-academic-startup-accelerator-programme-year-nine-phase-one/): Innovate UK, in collaboration with the Department for Science, Innovation and Technology, invites applications for the CyberASAP Year Nine: Phase...
- [BBSRC ICURe Explore](https://swoopfunding.com/grants-calendar/bbsrc-icure-explore/): The Biotechnology and Biological Sciences Research Council (BBSRC) offers the Innovation to Commercialisation of University Research (ICURe) Explore program to...
- [BBSRC new investigator award: 2025 round 2: responsive mode](https://swoopfunding.com/grants-calendar/bbsrc-new-investigator-award-2025-round-2-responsive-mode/): The Biotechnology and Biological Sciences Research Council (BBSRC) invites applications for the New Investigator Award 2025 Round 2 under its...
- [BBSRC standard research grant: 2025 round 2: responsive mode](https://swoopfunding.com/grants-calendar/bbsrc-standard-research-grant-2025-round-2-responsive-mode/): The BBSRC Standard Research Grant 2025 Round 2: Responsive Mode is designed to support excellent investigator-led research across the breadth...
- [Doctoral Focal award in Engineering Biology](https://swoopfunding.com/grants-calendar/doctoral-focal-award-in-engineering-biology/): The Biotechnology and Biological Sciences Research Council (BBSRC), in collaboration with the Engineering and Physical Sciences Research Council (EPSRC), Medical...
- [Doctoral Focal Award in AI and Data in the Biosciences](https://swoopfunding.com/grants-calendar/doctoral-focal-award-in-ai-and-data-in-the-biosciences/): The Biotechnology and Biological Sciences Research Council (BBSRC) invites applications from UK-based research organisations for the Doctoral Focal Award in...
- [APC26: industrialising net zero automotive technology](https://swoopfunding.com/grants-calendar/apc26-industrialising-net-zero-automotive-technology/): The Advanced Propulsion Centre (APC), in collaboration with Innovate UK and the Department of Business and Trade (DBT), is providing...
- [Pre-announcement: Proof of Concept](https://swoopfunding.com/grants-calendar/pre-announcement-proof-of-concept/): The UK Research and Innovation (UKRI) Proof of Concept funding opportunity is designed to facilitate the commercial application of existing...
- [MRC: partnership: responsive mode](https://swoopfunding.com/grants-calendar/mrc-partnership-responsive-mode/): The Medical Research Council (MRC) offers the Responsive Mode Partnership grant to support new or enhanced collaborations among diverse researchers....
- [Infections and immunity: programme: responsive mode](https://swoopfunding.com/grants-calendar/infections-and-immunity-programme-responsive-mode-2/): The MRC’s Infections and Immunity programme supports research on infections, immunity, and immune-mediated diseases with funding up to £1 million....
- [Neurosciences and mental health: programme: responsive mode](https://swoopfunding.com/grants-calendar/neurosciences-and-mental-health-programme-responsive-mode/): Apply for a grant to fund innovative research on neurosciences and mental health, with no funding limit, lasting up to...
- [Population and systems medicine: programme: responsive mode](https://swoopfunding.com/grants-calendar/population-and-systems-medicine-programme-responsive-mode-2/): Apply for MRC's responsive programme grant to support population and systems medicine research, focusing on health, disease, and inequalities. The...
- [Molecular and cellular medicine: programme: responsive mode](https://swoopfunding.com/grants-calendar/molecular-and-cellular-medicine-programme-responsive-mode/): This MRC grant funds innovative research on molecular and cellular medicine, aiming to improve health through interdisciplinary scientific advancements. The...
- [Experimental medicine to define new mechanisms of neurodegeneration](https://swoopfunding.com/grants-calendar/experimental-medicine-to-define-new-mechanisms-of-neurodegeneration/): This grant supports experimental medicine research to uncover mechanisms of neurodegeneration, aiming to develop innovative approaches for dementia treatment. The...
- [Molecular and cellular medicine: research grant: responsive mode](https://swoopfunding.com/grants-calendar/molecular-and-cellular-medicine-research-grant-responsive-mode-2/): The Medical Research Council offers an open grant for molecular and cellular medicine research, funding up to 80% of costs....
- [Neurosciences and mental health research: research grant: responsive mode](https://swoopfunding.com/grants-calendar/neurosciences-and-mental-health-research-research-grant-responsive-mode/): Apply for MRC funding to support neurosciences and mental health research, aiming to improve understanding and treatment of disorders. The...
- [AHRC BRAID DOT: responsible AI collaborations with US researchers](https://swoopfunding.com/grants-calendar/ahrc-braid-dot-responsible-ai-collaborations-with-us-researchers/): The AHRC BRAID DOT grant promotes UK-US collaborations on the ethical, legal, and societal implications of artificial intelligence research. The...
- [Population and systems medicine: new investigator: responsive mode](https://swoopfunding.com/grants-calendar/population-and-systems-medicine-new-investigator-responsive-mode/): This grant supports new investigators in population and systems medicine to advance toward independence with funding for research projects. The...
- [Research skills leadership hub: full (Invite only)](https://swoopfunding.com/grants-calendar/research-skills-leadership-hub-full-invite-only/): The ESRC invites select teams to create a £5M strategic leadership hub for transforming research skills training in social sciences....
- [Infections and immunity: new investigator: responsive mode](https://swoopfunding.com/grants-calendar/infections-and-immunity-new-investigator-responsive-mode-2/): The Medical Research Council’s grant supports researchers transitioning to independence, focusing on infections and immunity with flexible funding opportunities. The...
- [Neurosciences and mental health: new investigator: responsive mode](https://swoopfunding.com/grants-calendar/neurosciences-and-mental-health-new-investigator-responsive-mode-2/): The Neurosciences and Mental Health: New Investigator Responsive Mode Grant empowers emerging researchers to advance neurosciences and mental health knowledge....
- [Molecular and cellular medicine: new investigator: responsive mode](https://swoopfunding.com/grants-calendar/molecular-and-cellular-medicine-new-investigator-responsive-mode/): This MRC grant supports early-stage researchers in molecular and cellular medicine, funding projects that promote career independence and innovation. The...
- [Infections and immunity: research grant: responsive mode](https://swoopfunding.com/grants-calendar/infections-and-immunity-research-grant-responsive-mode/): This grant supports research on infections and immunity, funding up to 80% of project costs for eligible UK researchers. The...
- [International Centre to Centre Research Collaborations 2025: invite only](https://swoopfunding.com/grants-calendar/international-centre-to-centre-research-collaborations-2025-invite-only/): The International Centre to Centre Research Collaborations 2025 aims to fund UK-led projects in partnership with international researchers. The International...
- [Expression of interest: ATI programme strategic batch, Jan 2025](https://swoopfunding.com/grants-calendar/expression-of-interest-ati-programme-strategic-batch-jan-2025/): The ATI Programme supports UK aerospace research and infrastructure, boosting competitiveness with strategic funding for zero-emission and efficient technologies. The...
- [Scottish Election Study 2026 (invite only)](https://swoopfunding.com/grants-calendar/scottish-election-study-2026-invite-only/): The Scottish Election Study 2026 invites eligible research organisations to apply for funding to conduct the study on Scotland's political...
- [Welsh Election Study 2026](https://swoopfunding.com/grants-calendar/welsh-election-study-2026/): The Welsh Election Study 2026 grant offers £1. 25 million to research electoral behavior for the 2026 devolved elections. The...
- [UKRI DRI: championing knowledge exchange for UK computational science (invite only)](https://swoopfunding.com/grants-calendar/ukri-dri-championing-knowledge-exchange-for-uk-computational-science-invite-only/): The UKRI DRI grant supports a three-year knowledge exchange network promoting advanced computational science collaboration across diverse UK scientific communities....
- [UKRI DRI: digital research infrastructure skills hubs for accelerated compute (invite only)](https://swoopfunding.com/grants-calendar/ukri-dri-digital-research-infrastructure-skills-hubs-for-accelerated-compute-invite-only/): UKRI DRI offers £6M for two hubs to advance digital research professionals' skills in accelerated computing, fostering UK innovation leadership....
- [Experimental medicine: invited stage two application](https://swoopfunding.com/grants-calendar/experimental-medicine-invited-stage-two-application-2/): The Experimental Medicine: Invited Stage Two Application grant, funded by the Medical Research Council (MRC), offers a significant funding opportunity...
- [Particle Physics Theory Consolidated Grants 2025](https://swoopfunding.com/grants-calendar/particle-physics-theory-consolidated-grants-2025/): The Particle Physics Theory Consolidated Grants 2025 supports UK researchers in advancing theoretical particle physics through collaboration and innovation. The...
- [AHRC responsive mode: UKRI NSF-SBE lead agency](https://swoopfunding.com/grants-calendar/ahrc-responsive-mode-ukri-nsf-sbe-lead-agency/): The AHRC-NSF collaboration fosters innovative UK-US research partnerships in arts, humanities, and social sciences, offering grants up to £1. 5...
- [AHRC responsive mode: working with Brazilian researchers](https://swoopfunding.com/grants-calendar/ahrc-responsive-mode-working-with-brazilian-researchers/): This grant enables UK and São Paulo researchers to collaborate on arts and humanities projects, fostering innovation, career growth, and...
- [AHRC responsive mode: collaborate with researchers in Luxembourg](https://swoopfunding.com/grants-calendar/ahrc-responsive-mode-collaborate-with-researchers-in-luxembourg/): Researchers in the UK and Luxembourg can collaboratively apply for funding to enhance arts and humanities research projects, promoting interdisciplinary...
- [Developmental pathway funding scheme: invited stage two](https://swoopfunding.com/grants-calendar/developmental-pathway-funding-scheme-invited-stage-two-2/): The Developmental Pathway Funding Scheme supports innovative therapeutics, devices, and diagnostics from early development to clinical trials, fostering global healthcare...
- [AHRC responsive mode: standard research grant](https://swoopfunding.com/grants-calendar/ahrc-responsive-mode-standard-research-grant/): The AHRC Standard Research Grant supports collaborative arts and humanities projects, offering £300,000–£1. 5 million for impactful research over five...
- [Critical mass programmes to drive a sustainable future](https://swoopfunding.com/grants-calendar/critical-mass-programmes-to-drive-a-sustainable-future/): The EPSRC grant supports transformative, transdisciplinary research for sustainable technologies, focusing on clean energy, circular materials, and interseasonal energy storage....
- [UKRI Creating Opportunities Evaluation Development follow-on fund](https://swoopfunding.com/grants-calendar/ukri-creating-opportunities-evaluation-development-follow-on-fund/): UKRI’s follow-on fund invites EDF awardees to expand evaluations, addressing disparities across UK regions with interdisciplinary collaboration. The UKRI Creating...
- [Heritage Enterprise Grants](https://swoopfunding.com/grants-calendar/heritage-enterprise-grants/): Heritage Enterprise Grants provide funding from £250,000 to £5 million to revitalize historic sites, fostering economic growth and community collaboration....
- [National Lottery Heritage Grants](https://swoopfunding.com/grants-calendar/national-lottery-heritage-grants/): The National Lottery Heritage Grants provide funding from £10,000 to £250,000 for projects preserving UK heritage and communities. The National...
- [National Lottery Grants for Heritage](https://swoopfunding.com/grants-calendar/national-lottery-grants-for-heritage/): This grant supports heritage projects, addressing resilience and inclusion, helping organisations recover from COVID-19 and enhance community engagement. The National...
- [England Woodland Creation Offer](https://swoopfunding.com/grants-calendar/england-woodland-creation-offer/): The England Woodland Creation Offer supports landowners and managers to create new woodlands, with financial incentives for environmental benefits. The...
- [Woodland Creation Planning Grant](https://swoopfunding.com/grants-calendar/woodland-creation-planning-grant/): The Woodland Creation Planning Grant helps landowners and managers design plans for creating woodland, with funding for each stage. The...
- [CAM pathfinder one, feasibility studies](https://swoopfunding.com/grants-calendar/cam-pathfinder-one-feasibility-studies/): UK organizations can apply for up to £2 million for feasibility studies advancing early commercial connected and automated mobility opportunities....
- [UKRI Creating opportunities: rethinking economic (in)activity](https://swoopfunding.com/grants-calendar/ukri-creating-opportunities-rethinking-economic-inactivity/): The UKRI grant seeks interdisciplinary projects to support economic activity in areas impacted by ill-health, disability, and caregiving. The UK...
- [Scotland's Heat Network Fund](https://swoopfunding.com/grants-calendar/scotlands-heat-network-fund/): Scotland's Heat Network Fund offers grants to support the development of zero-emission district heating systems and communal networks. Scotland’s Heat...
- [Workplace Charging Scheme for state-funded education institutions](https://swoopfunding.com/grants-calendar/workplace-charging-scheme-for-state-funded-education-institutions/): The Workplace Charging Scheme supports state-funded education institutions in installing electric vehicle chargepoints, offering significant financial assistance and promoting sustainable...
- [Prosperity partnerships: advanced therapies safety and toxicity](https://swoopfunding.com/grants-calendar/prosperity-partnerships-advanced-therapies-safety-and-toxicity/): The Prosperity Partnerships grant fosters UK-based academic-business collaborations addressing safety, toxicity, and standards for transformative advanced therapies over five years....
- [India – UK Collaborative R&D for industrial sustainability, round 2](https://swoopfunding.com/grants-calendar/india-uk-collaborative-rd-for-industrial-sustainability-round-2/): The India-UK Collaborative R&D Grant fosters innovative partnerships to develop net-zero technologies through bilateral collaboration in industrial sustainability projects. The...
- [Expression of interest: Experimental medicine to define new mechanisms of neurodegeneration](https://swoopfunding.com/grants-calendar/expression-of-interest-experimental-medicine-to-define-new-mechanisms-of-neurodegeneration/): The £18 million MRC grant supports experimental medicine projects investigating neurodegeneration mechanisms, fostering industry partnerships and clinical impact research. The...
- [Collaborative R&D: Creative Catalyst](https://swoopfunding.com/grants-calendar/collaborative-rd-creative-catalyst/): Innovate UK offers £2 million in grants to foster innovative tools, products, and collaborations that enhance the UK creative industries....
- [Developmental pathway funding scheme: stage one](https://swoopfunding.com/grants-calendar/developmental-pathway-funding-scheme-stage-one-2/): The Developmental Pathway Funding Scheme supports novel therapeutics, diagnostics, and medical devices, with up to £30 million available. The Developmental...
- [Astronomy solar and planetary studies small awards 2025](https://swoopfunding.com/grants-calendar/astronomy-solar-and-planetary-studies-small-awards-2025/): This upcoming grant supports solar system science, including theory, modeling, technology, and observation for up to three years. The Astronomy...
- [Astronomy observation and theory small awards 2025](https://swoopfunding.com/grants-calendar/astronomy-observation-and-theory-small-awards-2025/): The Astronomy Observation and Theory Small Awards 2025 fund research on astronomy, astrophysics, observation, theory, and technology development. The Astronomy...
- [Opening up the Environment 2025](https://swoopfunding.com/grants-calendar/opening-up-the-environment-2025/): The Opening up the Environment 2025 grant fosters diversity by funding partnerships that broaden talent pipelines and skillsets in environmental...
- [Astronomy large awards 2025: full application (invite only)](https://swoopfunding.com/grants-calendar/astronomy-large-awards-2025-full-application-invite-only/): The Astronomy Large Awards 2025 support groundbreaking research in astronomy and technology development, funding up to 80% of FEC. The...
- [Innovate UK Smart Grants: November 2024](https://swoopfunding.com/grants-calendar/innovate-uk-smart-grants-november-2024/): Innovate UK Smart grants provide up to £15 million for game-changing R&D innovations, boosting UK economic growth, clean energy, safety,...
- [Launchpad: life and health sciences, Northern Ireland round two MFA](https://swoopfunding.com/grants-calendar/launchpad-life-and-health-sciences-northern-ireland-round-two-mfa/): Northern Ireland's Launchpad grant, offering up to £100,000, supports SMEs innovating in life and health sciences, fostering local economic growth....
- [Launchpad: life and health sciences, Northern Ireland round two CR&D](https://swoopfunding.com/grants-calendar/launchpad-life-and-health-sciences-northern-ireland-round-two-crd/): Northern Ireland’s life and health sciences sector is set to advance with £4. 3 million from Innovate UK to support...
- [Launchpad: agri-tech and food technology, Mid and North Wales MFA](https://swoopfunding.com/grants-calendar/launchpad-agri-tech-and-food-technology-mid-and-north-wales-mfa/): This £1. 5 million Innovate UK grant supports agri-tech and food tech projects in Mid and North Wales, boosting local...
- [Expression of interest: ATI programme strategic batch: Nov 2024](https://swoopfunding.com/grants-calendar/expression-of-interest-ati-programme-strategic-batch-nov-2024/): The ATI Programme's strategic batch supports UK civil aerospace advancements through funding for industrial research and infrastructure, enhancing global competitiveness...
- [Launchpad: immersive and creative, Coventry and Warwickshire round two CR&D](https://swoopfunding.com/grants-calendar/launchpad-immersive-and-creative-coventry-and-warwickshire-round-two-crd/): UK businesses in immersive and creative sectors can apply for substantial funding to drive innovation within Coventry and Warwickshire's local...
- [Launchpad: bio-based manufacturing, Scotland, round two CR&D](https://swoopfunding.com/grants-calendar/launchpad-bio-based-manufacturing-scotland-round-two-crd/): UK businesses can apply for grants to advance bio-based manufacturing in Scotland, fostering innovation in industrial biotechnology, sustainable production, and...
- [Design foundations round six](https://swoopfunding.com/grants-calendar/design-foundations-round-six/): Innovate UK’s Design Foundations Round 6 offers up to £2 million to UK organizations for people-centered, systemic design projects. The...
- [Investor partnerships in health technologies, West Yorkshire: round one](https://swoopfunding.com/grants-calendar/investor-partnerships-in-health-technologies-west-yorkshire-round-one/): UK SMEs in health technology can apply for West Yorkshire grants to fund innovation projects, backed by private investment partnerships....
- [Launchpad: bio-based manufacturing, Scotland – Rd 2 MFA](https://swoopfunding.com/grants-calendar/launchpad-bio-based-manufacturing-scotland-rd-2-mfa/): UK businesses can apply for up to £100,000 to fund bio-based manufacturing projects in Scotland, enhancing local innovation growth. The...
- [Launchpad: immersive and creative, Coventry and Warwickshire round two MFA](https://swoopfunding.com/grants-calendar/launchpad-immersive-and-creative-coventry-and-warwickshire-round-two-mfa/): Eligible UK SMEs can secure funding up to £100,000 for innovative projects in immersive and creative industries based in Coventry...
- [2049: Canada-UK Collaborative R&D](https://swoopfunding.com/grants-calendar/2049-canada-uk-collaborative-rd/): UK and Canadian organisations can apply for up to £3 million funding for collaborative R&D projects in innovative technologies. The...
- [Investor Partnerships in digital technologies, north-east: round one](https://swoopfunding.com/grants-calendar/investor-partnerships-in-digital-technologies-north-east-round-one/): UK registered SMEs can apply for grants and investment partnerships to grow digital technology innovation in North East England. The...
- [Launchpad: net zero industry, South-West Wales, round two MFA](https://swoopfunding.com/grants-calendar/launchpad-net-zero-industry-south-west-wales-round-two-mfa/): Innovate UK’s Launchpad grant offers up to £100,000 for innovative projects advancing net-zero goals in South West Wales’ industrial decarbonization...
- [AI solutions to develop AI competencies in key sectors](https://swoopfunding.com/grants-calendar/ai-solutions-to-develop-ai-competencies-in-key-sectors/): The BridgeAI grant by Innovate UK funds projects creating ethical, personalized AI learning solutions for upskilling in construction, logistics, creative...
- [Quantum Missions pilot: Quantum Computing and Quantum Networks](https://swoopfunding.com/grants-calendar/quantum-missions-pilot-quantum-computing-and-quantum-networks/): UK registered businesses can apply for a share of up to £9. 5 million for Quantum Computing (QC) and Quantum...
- [AHRC responsive mode: Curiosity Award: round six](https://swoopfunding.com/grants-calendar/ahrc-responsive-mode-curiosity-award-round-six/): The AHRC Curiosity Award: round six offers up to £100,000 for novel, interdisciplinary research, idea generation, and networking activities. The...
- [AHRC responsive mode: Catalyst Award: round six](https://swoopfunding.com/grants-calendar/ahrc-responsive-mode-catalyst-award-round-six/): The AHRC Catalyst Award supports early-stage researchers, offering grants from £100,000 to £300,000 to develop independent leadership. The AHRC Responsive...
- [AHRC responsive mode pilot: Mission Awards: full stage invite only](https://swoopfunding.com/grants-calendar/ahrc-responsive-mode-pilot-mission-awards-full-stage-invite-only/): The AHRC's upcoming Mission Awards grant supports invited UK teams with £2-3 million to advance innovative arts and humanities research...
- [UK-Singapore engineering biology for specialty chemical production](https://swoopfunding.com/grants-calendar/uk-singapore-engineering-biology-for-specialty-chemical-production/): The UK-Singapore grant fosters collaborative engineering biology research to innovate sustainable specialty chemical production through international partnerships and expertise exchange....
- [Data sandpit for metascience](https://swoopfunding.com/grants-calendar/data-sandpit-for-metascience/): The UKRI is hosting a four-day data sandpit, fostering collaborative projects addressing complex metascience issues to inform R&D policy. This...
- [Collaborate with German partners on arts and humanities research: round seven](https://swoopfunding.com/grants-calendar/collaborate-with-german-partners-on-arts-and-humanities-research-round-seven/): This grant supports UK and German researchers in conducting collaborative arts and humanities research projects. Applicants must form integrated teams...
- [Expression of interest: ATI programme strategic batch Oct 2024](https://swoopfunding.com/grants-calendar/expression-of-interest-ati-programme-strategic-batch-oct-2024/): The ATI Programme, coordinated by the Department for Business and Trade, Innovate UK, and the Aerospace Technology Institute, provides a...
- [Small molecule High Throughput Screen using AstraZeneca facilities](https://swoopfunding.com/grants-calendar/small-molecule-high-throughput-screen-using-astrazeneca-facilities/): This grant provides academic researchers with funding to conduct High Throughput Screening (HTS) using AstraZeneca’s extensive compound library, prioritizing projects...
- [UK future internet NetworkPlus: full application invite only](https://swoopfunding.com/grants-calendar/uk-future-internet-networkplus-full-application-invite-only/): This funding opportunity seeks to establish a collaborative NetworkPlus to drive interdisciplinary research on the future of the internet, focusing...
- [ESRC responsive mode: working with Brazilian researchers round two](https://swoopfunding.com/grants-calendar/esrc-responsive-mode-working-with-brazilian-researchers-round-two/): Researchers from the UK and São Paulo, Brazil can apply for collaborative social science projects. ESRC funds the UK part...
- [ESRC responsive mode: UKRI-SBE lead agency opportunity round two](https://swoopfunding.com/grants-calendar/esrc-responsive-mode-ukri-sbe-lead-agency-opportunity-round-two/): This funding opportunity enables UK and US-based researchers to submit collaborative proposals for social science research across the remits of...
- [ESRC responsive mode: working with Luxembourg researchers round two](https://swoopfunding.com/grants-calendar/esrc-responsive-mode-working-with-luxembourg-researchers-round-two/): This funding opportunity supports collaborative research projects between UK researchers and institutions in Luxembourg. They can apply for funding for...
- [EPSRC standard research grant, Nov 2023: responsive mode](https://swoopfunding.com/grants-calendar/epsrc-standard-research-grant-nov-2023-responsive-mode/): Researchers at eligible organisations can apply for standard research grants from the Engineering and Physical Sciences Research Council (EPSRC). These...
- [Mindset extended reality (XR): Digital therapeutics for mental health](https://swoopfunding.com/grants-calendar/mindset-extended-reality-xr-digital-therapeutics-for-mental-health/): UK businesses can apply for a share of up to £3. 7 million to develop digital therapeutic extended reality (XR)...
- [Sandpit: AI decision support for national security and defence](https://swoopfunding.com/grants-calendar/sandpit-ai-decision-support-for-national-security-and-defence/): The EPSRC invites UK-based researchers to apply for a five-day interactive sandpit aimed at developing innovative AI-driven decision support projects...
- [International Travel Award Scheme for the Biological Sciences](https://swoopfunding.com/grants-calendar/international-travel-award-scheme-for-the-biological-sciences/): This grant provides funding of up to £3,000 to support travel and collaboration with international partners for BBSRC-supported researchers. The...
- [DARE UK Transformational Programme: core components](https://swoopfunding.com/grants-calendar/dare-uk-transformational-programme-core-components/): This grant supports advancing minimum viable products into production-ready implementations for Trusted Research Environments (TREs). It is only open to...
- [EPSRC programme grant outline stage](https://swoopfunding.com/grants-calendar/epsrc-programme-grant-outline-stage/): The Engineering and Physical Sciences Research Council (EPSRC) Programme Grants provide flexible funding to world-leading research groups, enabling them to...
- [Applied global health partnership: invited stage two](https://swoopfunding.com/grants-calendar/applied-global-health-partnership-invited-stage-two/): This grant opportunity provides funding to establish new research partnerships aimed at addressing global health challenges and inequities. It supports...
- [BBSRC new investigator award: 2025 round one: responsive mode](https://swoopfunding.com/grants-calendar/bbsrc-new-investigator-award-2025-round-one-responsive-mode/): The New Investigator scheme is a funding opportunity aimed at supporting newly employed university lecturers, research fellows, and researchers in...
- [EPSRC-NSF: Exploiting Quantum Information Science in Chemistry](https://swoopfunding.com/grants-calendar/epsrc-nsf-exploiting-quantum-information-science-in-chemistry/): This grant provides funding for UK-US research partnerships to explore Quantum Information Science (QIS) concepts within chemical systems. Managed by...
- [Purchase mid-range equipment for biomedical research: MRC Equip](https://swoopfunding.com/grants-calendar/purchase-mid-range-equipment-for-biomedical-research-mrc-equip/): The UKRI Mid-Range Equipment Grant provides funding for UK research organizations to acquire capital equipment essential for biomedical research. Eligible...
- [BBSRC Standard Research Grant: 2025 round 1: Responsive mode](https://swoopfunding.com/grants-calendar/bbsrc-standard-research-grant-2025-round-1-responsive-mode/): Standard research grants are available to researchers at eligible UK organisations through the Biotechnology and Biological Sciences Research Council (BBSRC)....
- [3D Nanoscale Metamaterials Hub for a Sustainable Future](https://swoopfunding.com/grants-calendar/3d-nanoscale-metamaterials-hub-for-a-sustainable-future/): The Engineering and Physical Sciences Research Council (EPSRC) is offering funding of up to £9. 75 million to create research...
- [AHRC responsive mode: standard research grant: round six](https://swoopfunding.com/grants-calendar/ahrc-responsive-mode-standard-research-grant-round-six/): The Arts and Humanities Research Council (AHRC) is offering funding between £300,000 and £1. 5 million for collaborative research projects...
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## Sectors
- [Self-employed loans with no proof of income](https://swoopfunding.com/uk/sectors/self-employed/self-employed-loans-with-no-proof-of-income/): Self-employed workers & sole traders often require business financing and are usually asked for proof of income. See how to apply for funding without this here.
- [Self-employed loans with bad credit](https://swoopfunding.com/uk/sectors/self-employed/self-employed-loans-with-bad-credit/): There are more than 4 million self-employed workers in the UK, and many of them will require extra funding to support their business at some point in time.
- [Inventory financing](https://swoopfunding.com/uk/sectors/inventory-financing/): Inventory finance can take the pain out of stocking up and protect your working capital. Buy now. Let future sales cover the cost.
- [Self-employed](https://swoopfunding.com/uk/sectors/self-employed/): Like most businesses, there are times when the self-employed need a business loan. But what kind of loans are available, and what do you need to secure them?
- [Convenience stores](https://swoopfunding.com/uk/sectors/convenience-stores/): Convenience store financing is funding to help start, buy, expand or operate a convenience store, available with minimum fuss, and often at short notice.
- [Food trucks](https://swoopfunding.com/uk/sectors/food-trucks/): Securing funding for your food truck is key to long-term success. Read on to find out more about food truck finance and how it can keep your business going.
- [Restaurant loans](https://swoopfunding.com/uk/sectors/restaurant-loans/): Finance can be secured for restaurants, cafes, take-away outlets, sandwich bars, coffee shops and more. Read about the available options or apply here.
- [Car garage](https://swoopfunding.com/uk/sectors/car-garage/): Don’t put your purchase or expansion plans on hold because of cashflow issues – use a car garage mortgage to fuel your growth and get your business on the road.
- [Vineyard finance](https://swoopfunding.com/uk/sectors/vineyard-finance/): From commercial mortgages to startup loans and working capital finance, vineyard loans are available to solve every grower’s need. Read funding options here.
- [Brewery finance](https://swoopfunding.com/uk/sectors/brewery-finance/): From commercial mortgages to startup loans and working capital finance, brewery loans are available to solve every brewer’s need. Read more or apply here.
- [Cow & livestock finance](https://swoopfunding.com/uk/sectors/cow-livestock-finance/): Cow and livestock finance are loans that farmers can use to pay for the tools and products they need to raise live animals, particularly beef and dairy herds.
- [Guest house finance](https://swoopfunding.com/uk/sectors/guest-house-finance/): This funding can be used to refinance a current guest house loan, renovate your building, acquire/build a new guest house, or cover seasonal quiet spots.
- [Crop finance](https://swoopfunding.com/uk/sectors/crop-finance/): Crop finance are loans that farmers can use to pay for the important tools and products they need to farm their arable land. Discover funding here.
- [Bus and coach finance](https://swoopfunding.com/uk/sectors/bus-and-coach-finance/): As passenger numbers grow, so bus and coach operators must update, replace and expand their vehicle line-ups. Read about funding options and apply here.
- [Business loans for bed and breakfasts](https://swoopfunding.com/uk/sectors/business-loans-for-bed-and-breakfasts/): B&B funding can be used to refinance a current B&B loan, renovate your building, acquire an existing B&B, build a new bed and breakfast, or cover quiet spots.
- [Hotel funding](https://swoopfunding.com/uk/sectors/hotel-funding/): Hotel funding can be used to refinance a current hotel loan, renovate your hotel building, acquire an existing hotel, build a new hotel, or cover seasonality.
- [Haulage finance and HGV loans](https://swoopfunding.com/uk/sectors/haulage-finance-and-hgv-loans/): There are many types of haulage finance and HGV loans, and they may be arranged quickly and with little fuss. Find out more and apply through Swoop.
- [Care home finance](https://swoopfunding.com/uk/sectors/care-home-finance/): A care home mortgage is a commercial mortgage used to buy, develop, or refinance a care home. Find out more funding options and apply here.
- [Buy a care home](https://swoopfunding.com/uk/sectors/buy-a-care-home/): Buying a care home or expanding an existing care facility can make good financial sense, and many buyers will seek a care home mortgage to fund their purchase.
- [Farm equipment financing](https://swoopfunding.com/uk/sectors/farm-equipment-financing/): Farm Equipment Financing - special plant and machinery loans to help UK farmers buy the equipment they need without increasing strain on cashflow.
- [Nursery funding](https://swoopfunding.com/uk/sectors/nursery-funding/): Setting up a nursery can be emotionally and financially rewarding for those who prepare thoroughly and follow a solid plan. Secure your funding with Swoop.
- [Dental practice loans](https://swoopfunding.com/uk/sectors/dental-practice-loans/): Dental practices sell products and services that are in high demand. Well established practices can provide solid profit margins and income for their owners.
- [Agricultural mortgage](https://swoopfunding.com/uk/sectors/agricultural-mortgage/): An agricultural mortgage (aka farm mortgage) is a long-term loan used to buy rural real estate or to release equity from a farm property. Apply here.
- [Agricultural loans](https://swoopfunding.com/uk/sectors/agricultural-loans/): Many farms suffer from erratic cash flow caused by patchy income and volatility in the prices they pay for supplies and the prices they achieve for their products.
- [Petrol station finance](https://swoopfunding.com/uk/sectors/petrol-station-finance/): Petrol stations are one of the few UK retail businesses that can provide 24/7 revenues. Read how to get funding to buy or expand your petrol station here.
- [Pub finance](https://swoopfunding.com/uk/sectors/pub-finance/): Pub finance can be used to cover cashflow dips, buy inventory, refurbish premises, even buy a pub or join a franchise operation. Read more here at Swoop.
- [Shopify loans](https://swoopfunding.com/uk/sectors/shopify-loans/): As e-commerce continues to expand, online businesses must get bigger, but this can pose a problem for Shopify merchants who lack the funds to fuel growth.
- [Construction loans and finance](https://swoopfunding.com/uk/sectors/construction-loans-and-finance/): Construction finance for a new build or re-developing an existing property to sell for a profit, use for your own needs, or rent out for income.
- [Auction finance](https://swoopfunding.com/uk/sectors/auction-finance/): Buying property at auction may speed up the buying process, let you pay a lower price, or give you the opportunity to purchase an unusual property.
---
## Business insurance
- [GDPR insurance](https://swoopfunding.com/uk/business-insurance/gdpr-insurance/): GDPR insurance is a type of business insurance designed to help organisations manage the financial risks with non-compliance of the GDPR Act. Get a quote today.
- [Why cyber insurance is your business's digital shield](https://swoopfunding.com/uk/business-insurance/cyber-insurance/why-do-i-need/): Data breaches, ransomware attacks, and phishing scams are just a few ways malicious actors can disrupt your operations. Read how to prevent it here.
- [Cyber insurance](https://swoopfunding.com/uk/business-insurance/cyber-insurance/): Cyber insurance is a type of business insurance that provides support if your business is harmed by cyber attack or security failure. Get protected today.
- [How much does employers' liability insurance cost?](https://swoopfunding.com/uk/business-insurance/employers-liability-insurance/cost-of-employers-liability/): Premiums for employers’ liability insurance can start at less than £5 per month, but just as no two UK businesses are alike, no two insurance needs are the same
- [What is employers' liability insurance?](https://swoopfunding.com/uk/business-insurance/employers-liability-insurance/what-is-employers-liability-insurance/): Employer’s liability (EL) insurance is a type of business insurance that protects you & your employees should they be injured or unwell as a result of working .
- [What is product liability insurance?](https://swoopfunding.com/uk/business-insurance/product-liability-insurance/what-is-product-liability/): Product liability insurance (PL) protects companies, partnerships, sole traders and the self-employed from financial loss. Read more about this & get cover here
- [What is business insurance?](https://swoopfunding.com/uk/business-insurance/what-is-business-insurance/): Business insurance protects organisations against losses incurred in their normal business activities. Read more here, and get a personalised quote with Swoop.
- [Do I need public liability insurance?](https://swoopfunding.com/uk/business-insurance/public-liability-insurance/do-i-need-public-liability-insurance/): Public liability insurance is a good idea for almost all businesses, but it is essential for those that interact with the general public or work for government.
- [Opticians insurance](https://swoopfunding.com/uk/business-insurance/opticians-insurance/): As a health provider, supporting the vision of many customers per year, your optician’s business is vulnerable to a unique set of risks. Get your cover here.
- [Plumbers insurance](https://swoopfunding.com/uk/business-insurance/plumbers-insurance/): No matter if you’re working in a commercial, residential or public space, the work you do plumber puts you and your business at significant risk. Get cover here
- [Gardeners insurance](https://swoopfunding.com/uk/business-insurance/gardeners-insurance/): Gardeners’ insurance is an umbrella term for the policies you can buy to protect your gardening business from many types of risk. Get cover from £10 a month.
- [Gas engineer insurance](https://swoopfunding.com/uk/business-insurance/gas-engineer-insurance/): Heating and gas engineer public liability insurance protects your business if someone is injured, or their property is damaged because of your business.
- [Bicycle shop insurance](https://swoopfunding.com/uk/business-insurance/bicycle-shop-insurance/): Bike shops are unlike most other retailers. You’re selling, repairing and servicing wheeled vehicles that are used on the open road. Get protection here.
- [Shop insurance](https://swoopfunding.com/uk/business-insurance/shop-insurance/): Shop insurance is an umbrella term for a range of business insurances that can give retailers protection against almost every type of event. Get a quote here.
- [Restaurant insurance](https://swoopfunding.com/uk/business-insurance/restaurant-insurance/): Restaurant insurance is an umbrella term for a range of business insurance policies that can protect food businesses from financial loss. Get a quote here.
- [Public liability insurance for events](https://swoopfunding.com/uk/business-insurance/event-liability-insurance/): Public liability insurance for events can protect event organisers against claims from members of the public for injury, illness or damage. Get a quote here.
- [Pub insurance](https://swoopfunding.com/uk/business-insurance/pub-insurance/): Pub insurance is an umbrella term for a range of business insurance that can provide protection against almost every type of negative event. Get a quote here.
- [IT consultant insurance](https://swoopfunding.com/uk/business-insurance/it-consultant-insurance/): Business insurance for IT contractors and consultants can protect professionals from financial claims for data leaks, systems malfunctions, accidents & more.
- [Gym insurance](https://swoopfunding.com/uk/business-insurance/gym-insurance/): The UK is on a fitness boom and gyms and fitness businesses are busier than ever. Unfortunately, with this good news also comes some bad. Protect yours here.
- [Food insurance](https://swoopfunding.com/uk/business-insurance/food-insurance/): No matter if you operate a restaurant, a food truck, a delivery service, or you manufacture foods for commercial or consumer markets, you need food insurance.
- [Consultants insurance](https://swoopfunding.com/uk/business-insurance/consultants-insurance/): Business insurance for consultants protects your businesses from third-party compensation claims for injury, loss or damage caused by the services you sell.
- [Carpenters insurance](https://swoopfunding.com/uk/business-insurance/carpenters-insurance/): Many carpenters work in the construction industry where the potential for accidents, theft, errors and omissions is high. Get your comprehensive coverage here.
- [Cafe insurance](https://swoopfunding.com/uk/business-insurance/cafe-insurance/): No matter if you run a café or a coffee shop, one thing is common: Accidents, mishaps, errors and omissions can happen at any time. Get insured here.
- [Shareholder protection insurance](https://swoopfunding.com/uk/business-insurance/shareholder-protection-insurance/): Shareholder protection insurance provides company shareholders with the funds to buy shares from each other if one of them was to die or be unable to work.
- [Relevant life insurance](https://swoopfunding.com/uk/business-insurance/relevant-life-insurance/): Relevant life insurance policies are single life, stand-alone ‘death in service’ plans. Read more about this type of insurance, or get a quote with Swoop today.
- [Group private medical insurance](https://swoopfunding.com/uk/business-insurance/group-private-medical-insurance/): Group private medical insurance is an employee benefit provided by businesses to their workers and is currently the top-rated perk in the UK. Get a quote here.
- [Group life insurance](https://swoopfunding.com/uk/business-insurance/group-life-insurance/): Group life insurance, also known as a ‘death in service benefit’, that employers offer to their workers whilst they work for the organisation. Get a quote here.
- [Group income protection insurance](https://swoopfunding.com/uk/business-insurance/group-income-protection-insurance/): Group income protection insurance enables employers to pay employees a percentage of their income if they are off work for a long time due to illness or injury.
- [Executive income protection insurance](https://swoopfunding.com/uk/business-insurance/executive-income-protection-insurance/): Executive income protection insurance protects directors & key employees – safeguarding their earnings and preventing financial setbacks should the worst happen
- [What's the difference between public liability and professional indemnity insurance?](https://swoopfunding.com/uk/business-insurance/public-liability-insurance/difference-between-public-liability-and-professional-indemnity/): For many UK SMEs, sole traders and the self-employed, having both public liability insurance and professional indemnity cover is essential. Read why here.
- [How much public liability insurance do I need?](https://swoopfunding.com/uk/business-insurance/public-liability-insurance/how-much-public-liability-insurance-do-i-need/): The amount of public liability insurance you need depends on the industry you work in and the size of your business. Read more here, or speak to our experts.
- [What is public liability insurance?](https://swoopfunding.com/uk/business-insurance/public-liability-insurance/what-is-public-liability-insurance/): Public Liability Insurance is a good idea for almost all businesses, especially those that interact with the public and work for local councils or government
- [Public liability insurance](https://swoopfunding.com/uk/business-insurance/public-liability-insurance/): Public Liability Insurance protects your organisation if someone is injured, or their property is damaged because of the services that your business provides.
- [Tradesman insurance](https://swoopfunding.com/uk/business-insurance/tradesman-insurance/): Tradesman insurance is an umbrella term for a range of business insurances that protect trade professionals. Read more about coverage & get a quote here.
- [Warehouse insurance](https://swoopfunding.com/uk/business-insurance/warehouse-insurance/): Warehouse insurance is specialist business insurance that can cover personal injuries, accidental & malicious property damage, theft & more. Get a quote today.
- [Tool insurance](https://swoopfunding.com/uk/business-insurance/tool-insurance/): Tools insurance, also known as portable equipment cover, is a business insurance that protects the machinery & equipment you take to jobs. Get your quote here.
- [Construction company insurance](https://swoopfunding.com/uk/business-insurance/construction-company-insurance/): Construction insurance provides cover if someone makes a claim against you, or your business suffers loss, theft or damage to your property. Get a quote here.
- [Third party liability insurance](https://swoopfunding.com/uk/business-insurance/third-party-liability-insurance/): Accidents happen. There’s no getting round it. Nor the fact that they can bring crippling claims against your business. Read about coverage & get a quote here.
- [Trade credit insurance](https://swoopfunding.com/uk/business-insurance/trade-credit-insurance/): Trade credit insurance is designed to mitigate the risk of non-payment by a company’s customers. Get in touch today to start your trade credit insurance.
- [Business contents insurance](https://swoopfunding.com/uk/business-insurance/business-contents-insurance/): Use business contents insurance to replace cash, and pay for new fixtures & fittings, equipment, stock and more if they’re damaged, lost, or stolen. Get a quote
- [Commercial van insurance](https://swoopfunding.com/uk/business-insurance/commercial-van-insurance/): Commercial van insurance is a type of business insurance that can cover your work vans and any personal contents you are carrying. Get your cheap quote here.
- [Occupiers' liability insurance](https://swoopfunding.com/uk/business-insurance/occupiers-liability-insurance/): Occupiers' liability insurance covers the occupier of a commercial premises against personal injury or property damage claims. Get a quote for yours here.
- [Subcontractor insurance](https://swoopfunding.com/uk/business-insurance/subcontractor-insurance/): Subcontractors’ insurance can cover everything from a sprained ankle or a scraped vehicle, to a major fire or total loss. Arrange your cover here today.
- [Self employed insurance](https://swoopfunding.com/uk/business-insurance/self-employed-insurance/): Self-employed workers include contractors, freelancers, gig workers and sole traders - reducing the risk to your business. Get a quote or discuss your need here
- [Professional indemnity insurance](https://swoopfunding.com/uk/business-insurance/professional-indemnity-insurance/): Professional indemnity insurance covers businesses and individuals that advise clients, provide them with vital information and more. Get a quote today.
- [Business equipment insurance](https://swoopfunding.com/uk/business-insurance/business-equipment-insurance/): Business equipment insurance protects you from financial loss in the event that vital tools or equipment are lost, damaged, or stolen. Get a free quote here.
- [Product liability insurance](https://swoopfunding.com/uk/business-insurance/product-liability-insurance/): Product liability insurance can protect your business should the products you provide create a problem for your customers. Get a quote for coverage here.
- [Hired in plant insurance](https://swoopfunding.com/uk/business-insurance/plant-machinery-insurance/): Hired-in plant insurance is a type of business insurance that provides financial protection against the loss or damage of hired construction plant and equipment
- [Limited company insurance](https://swoopfunding.com/uk/business-insurance/limited-company-insurance/): Limited company insurance is an umbrella term for a range of insurances that can protect businesses from financial loss. Speak to our experts about your needs.
- [Employers' liability insurance](https://swoopfunding.com/uk/business-insurance/employers-liability-insurance/): Employers' liability (EL) insurance protects you and your employees, should they be injured or become unwell as a result of working for you. Get a quote here.
- [Do I need business insurance?](https://swoopfunding.com/uk/business-insurance/is-business-insurance-a-legal-requirement/): All organisations need business insurance, because risk is everywhere and problems usually arrive without warning, giving you no time to prepare.
- [Invoice insurance](https://swoopfunding.com/uk/business-insurance/invoice-insurance/): The easiest way to protect your bottom line is to take out invoice insurance on your unpaid invoices. Find out more and apply for coverage here.
- [What is personal guarantee insurance?](https://swoopfunding.com/uk/business-insurance/personal-guarantee-insurance/what-is-personal-guarantee-insurance/): Personal guarantee insurance (PGI) is a form of insurance designed to protect business owners and directors who must provide a personal guarantee to a lender.
- [What business insurance do I need?](https://swoopfunding.com/uk/business-insurance/what-insurance-do-i-need/): Available to all businesses and to cover almost any eventuality, business insurance is a valuable emergency lifeline, but what do you need? Find out here.
- [Medical insurance](https://swoopfunding.com/uk/business-insurance/medical-insurance/): Small Business Health Insurance provides access to private healthcare services to keep employees fit & well, keeping the business running. Arrange yours here.
- [Personal guarantee insurance](https://swoopfunding.com/uk/business-insurance/personal-guarantee-insurance/): Almost every UK business will need to borrow money at some point. Fortunately, this is where personal guarantee insurance comes in. Get your quote today.
- [Contractors insurance](https://swoopfunding.com/uk/business-insurance/contractors-insurance/): Available to all contractors and to cover almost any eventuality, comprehensive contractor insurance is a valuable emergency lifeline. Get a quote here.
- [Key person insurance](https://swoopfunding.com/uk/business-insurance/key-person-insurance/): Key person insurance is a type of business insurance that protects organisations from the financial impact of the loss of a key individual. Get a quote here.
- [Commercial property insurance](https://swoopfunding.com/uk/business-insurance/commercial-property-insurance/): Commercial properties are typically the biggest assets any business has, cover yours was comprehensive commercial property insurance to protect this here.
---
## Locations
- [Nottingham](https://swoopfunding.com/uk/locations/nottingham/): With so many types of business loan available in Nottingham, it can be difficult to know which one is best for you. Read more and apply here.
- [Northampton](https://swoopfunding.com/uk/locations/northampton/): If you’re a SME in Northampton looking for a small business loan to cover cashflow, or give you the financial boost to expand, you’ll be spoilt for choice.
- [Newcastle](https://swoopfunding.com/uk/locations/newcastle/): Business loans for SMEs in Newcastle come in all shapes and sizes. Borrow from just a few £thousand all the way up to £5million, repay in weeks, months or years
- [Plymouth](https://swoopfunding.com/uk/locations/plymouth/): If you’re an SME in Plymouth and you’re seeking funds to support your business, you’ve come to the right place. Read about available finance and apply here.
- [Brighton](https://swoopfunding.com/uk/locations/brighton/): If you’re a business owner entrepreneur in Brighton and you need funds, there’s a small business loan for you. Read about available funding here and apply today
- [Coventry](https://swoopfunding.com/uk/locations/coventry/): Coventry-based SMEs seeking a small business loan have many options to choose from. Read about available Coventry business finance here and apply with Swoop.
- [Edinburgh](https://swoopfunding.com/uk/locations/edinburgh/): Whether you’re seeking to expand production, start a business, pay taxes, cover cashflow, or buy vehicles, plant and machinery, there’s a business loan for you.
- [Wolverhampton](https://swoopfunding.com/uk/locations/wolverhampton/): With so many types of business loan available in Wolverhampton, it can be difficult to know which one is best for you. Read on to learn more about funding.
- [Sheffield](https://swoopfunding.com/uk/locations/sheffield/): If you’re a business owner in Sheffield looking for a small business loan to cover cashflow, pay your VAT, or help you to expand, you’ll be spoilt for choice.
- [Leicester](https://swoopfunding.com/uk/locations/leicester/): Business loans for SMEs in Leicester come in all shapes and sizes. Borrow from just a few £thousand all the way up to £5million, repay in weeks, months or years
- [Leeds](https://swoopfunding.com/uk/locations/leeds/): Leeds-based SMEs seeking a small business loan to provide working capital, pay taxes, buy vehicles and machinery, or fund business expansion, have many options.
- [Cardiff](https://swoopfunding.com/uk/locations/cardiff/): Borrow from just a few £thousand all the way up to £5million. Read on to discover all you need to know about small business loans in Cardiff.
- [London](https://swoopfunding.com/uk/locations/london/): Business loans for SMEs in London come in all shapes and sizes. Borrow from just a few £thousand all the way up to £5million, repay in weeks, months or years.
- [Birmingham](https://swoopfunding.com/uk/locations/birmingham/): No matter if you’re seeking to expand, start a business, pay taxes, cover cashflow, or buy vehicles, plant and machinery, there’s a small business loan for you.
- [Bristol](https://swoopfunding.com/uk/locations/bristol/): Bristol-based SMEs seeking a small business loan to provide working capital, buy vehicles or machinery, or to fund expansion, have many loans to choose from.
- [Manchester](https://swoopfunding.com/uk/locations/manchester/): If you’re a Manchester business owner looking for a small business loan to cover cashflow, pay your VAT, buy stock, or expand, you’ll be spoilt for choice.
- [Glasgow](https://swoopfunding.com/uk/locations/glasgow/): With so many types of business loan available in Glasgow, it can be difficult to know which one is best for you. Read what is available here.
---
## Start a business
- [How to sell on TikTok shop](https://swoopfunding.com/uk/start-a-business/how-to-sell-on-tiktok-shop/): An extension of the hugely successful TikTok app, TikTok Shop lets you showcase, promote & sell your products to customers without having to leave the platform.
- [Construction business](https://swoopfunding.com/uk/start-a-business/construction-business/): Starting a construction business requires strategic planning, industry knowledge, and a strong foundation in legal and finances. Read all about this here.
- [How to choose your title as a business owner](https://swoopfunding.com/uk/start-a-business/how-to-choose-your-title-as-a-business-owner/): Your business title can set you apart from other company employees, indicate special skills, even determine how much you get paid. But which is right for you?
- [How to start a retail business](https://swoopfunding.com/uk/start-a-business/how-to-start-a-retail-business/): Starting a retail business can be exciting. With proper planning and execution, you can find success and meet your target market's needs. Learn more here.
- [Open a pizza shop](https://swoopfunding.com/uk/start-a-business/open-a-pizza-shop/): Opening a pizza shop is an exciting journey that brings the joy of making delicious food and the challenge of running a business. Read more about it here.
- [Graphic design business](https://swoopfunding.com/uk/start-a-business/graphic-design-business/): Setting up your own graphic design business can be an exciting prospect. Here’s everything you need to know about how to start a graphic design business.
- [Start a bakery](https://swoopfunding.com/uk/start-a-business/start-a-bakery/): How can you start the bakery you’ve always dreamt of owning? Let’s find out. Read on to discover all you need to know about starting one.
- [Open a liquor store](https://swoopfunding.com/uk/start-a-business/open-a-liquor-store/): If you dream of owning a liquor store, read on to find out how you get there, what hurdles must you cross, and what it will cost. Let’s find out.
- [Start a brewery](https://swoopfunding.com/uk/start-a-business/start-a-brewery/): With over 2,400 breweries producing millions barrels of beer annually, the UK craft brewing industry is growing each year. Read more, or apply here.
- [Restaurant](https://swoopfunding.com/uk/start-a-business/restaurant/): If you're looking to open a restaurant, look no further. Here’s a rundown of the key things you need to know before you take the plunge & become a restauranteur
- [How to get a loan to start a business](https://swoopfunding.com/uk/start-a-business/how-to-get-a-loan-to-start-a-business/): So how do startup loans work and how do you get one? Read all you need to know about getting a loan to start a business here.
- [Laundromat business](https://swoopfunding.com/uk/start-a-business/laundromat-business/): On average it costs £200,000 to £500,000 to launch a mid-size laundromat. Read all about the costs, or apply for finance with Swoop today.
- [Vending machine business](https://swoopfunding.com/uk/start-a-business/vending-machine-business/): Vending machines are the stores that never close. Read all there's to know about starting a vending machine business, and finance options available here.
- [How to start a small business](https://swoopfunding.com/uk/start-a-business/how-to-start-a-small-business/): Starting your own business can be an exciting and rewarding experience. But there’s a lot to consider to get your business off the ground. find out more here.
- [Transport business](https://swoopfunding.com/uk/start-a-business/transport-business/): If you know a lot about the transport industry and are keen to run your own business, this short guide aims to cover the steps you need to take.
- [Nursery business](https://swoopfunding.com/uk/start-a-business/nursery-business/): Do you have a background in childcare and fancy running your own nursery? This guide will explain everything you need to know about starting a nursery business.
- [Moving and removal business](https://swoopfunding.com/uk/start-a-business/moving-and-removal-business/): If you fancy running your own business and you prefer being physically active to sitting at a desk, setting up a removal firm could be right up your street.
- [Makeup business](https://swoopfunding.com/uk/start-a-business/makeup-business/): Launching your own makeup business means you’ll be able to start your own brand. It also gives you the freedom to set your own prices & sell in-store or online.
- [Farming business](https://swoopfunding.com/uk/start-a-business/farming-business/): Is it your dream to run your own farm? This guide takes you through the necessary steps to help you understand how to start and finance a farm.
- [Gym business](https://swoopfunding.com/uk/start-a-business/gym/): If you’re a fitness professional and fancy running your own gym, it’s important to understand what’s involved, the costs, and how you’ll finance it.
- [Consulting business](https://swoopfunding.com/uk/start-a-business/consulting-business/): Curious to know how to start a consulting business? It’s important to have a clear understanding of what it involves and how to finance it. Find out here.
- [Landscaping business](https://swoopfunding.com/uk/start-a-business/landscaping-business/): If you enjoy working outside and are keen to be your own boss, setting up a landscape gardening business could be an option to explore. Read how here.
---
## Marketplace
- [Blink payment](https://swoopfunding.com/uk/marketplace/blink-payment/):
- [Teya](https://swoopfunding.com/uk/marketplace/teya/):
---
## Government support
- [Andrea Reynolds's expert insights into the Spring 2025 Budget statement](https://swoopfunding.com/uk/government-support/spring-budget/): The spring budget 2025 included few benefits for UK SMEs, - they were minimal, extensions of extensions, or relied on projections that may not come to pass.
- [Autumn Budget 2024: how will it impact your business?](https://swoopfunding.com/uk/government-support/autumn-budget/): The government has given a budget that was big on investment, repairing the nation’s foundations & promoting long-term stability. What does this mean for you?
- [How the Autumn Budget 2024 will affect businesses: three examples](https://swoopfunding.com/uk/government-support/autumn-budget/2024-examples/): Rachel Reeves unveiled Labour’s first Budget on 30 October. In this blog, we’ll look at how these changes impact three example SMEs.
- [Apply for the Growth Guarantee Scheme](https://swoopfunding.com/uk/government-support/growth-guarantee-scheme/apply/): The Growth Guarantee Scheme aims to support UK businesses with government-backed loans of up to £2m. Ready to apply?
- [Growth Guarantee Scheme](https://swoopfunding.com/uk/government-support/growth-guarantee-scheme/): The Growth Guarantee Scheme (GGS) explained - what is it and how does it work? Renamed the Growth Guarantee Scheme,...
- [Full expensing](https://swoopfunding.com/uk/government-support/full-expensing/): Why pay more tax than you need to? Full expensing lets you claim back 100% of the cost of qualifying...
---
#
# Detailed Content
## Pages
### Overdraft calculator
> Our business overdraft calculator can help you estimate the costs associated with using an overdraft facility for your business. Use it free here.
- Published: 2025-04-02
- Modified: 2025-05-15
- URL: https://swoopfunding.com/uk/business-loan-calculator/overdraft-calculator/
Overdraft calculator Our business overdraft calculator can help you estimate the costs associated with using an overdraft facility for your business. It typically considers factors such as the overdraft amount, interest rate, and the duration of use. I want to borrow £ . 00 Term 31 days Interest rate 34 % This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan. Your results Total cost of your overdraft £0 Get a quote What is a business overdraft? A business overdraft facility is a flexible borrowing arrangement that allows a business to withdraw more money than is available in its bank account, up to a pre-approved limit. It is a form of short-term credit designed to help businesses manage cash flow, cover unexpected expenses, or bridge gaps between income and expenses. Key Features:Pre-agreed Limit: The bank sets a maximum amount the business can overdraw. Interest Charges: Interest is typically charged only on the amount overdrawn, not the full limit. Fees: Some banks charge arrangement or renewal fees for maintaining the overdraft. Repayment Flexibility: Funds can be repaid at any time, reducing interest costs. All calculators ADR calculator APY calculator Acid test ratio calculator Amortisation calculator Asset finance calculator Basis point calculator Break even calculator Business loan calculator Business rate calculator Business savings calculator Business valuation calculator Car finance calculator Car finance settlement calculator Cash flow calculator Commercial mortgage calculator Commercial stamp duty calculator Compound annual growth rate calculator...
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### Finance lease quote calculator
- Published: 2025-03-25
- Modified: 2025-05-15
- URL: https://swoopfunding.com/uk/business-loan-calculator/finance-lease-quote-calculator
Finance lease quote calculator Use our free finance lease quote calculator can help you estimate your monthly payments, costs and tax relief. Net equipment cost £ . 00 Business type Established business New start business Term 2 years This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan. All figures quoted are indicative only and subject to VAT, final underwriting, admin fees, payment by Direct Debit and the lenders terms and conditions. Leasing is 100% allowable against taxable profits. The above tax relief figures assume 18% small profits rate and may demonstrate self-financing. For exact taxation benefits relevant to your business it is recommended that you seek professional financial advice from your accountant or tax advisor. A documentation fee of £195 + vat and annual service charge of £40 + vat applies. An asset protection charge maybe included if the equipment is not covered under your own policy. Your results Monthly payment £ Weekly cost £ Total cost £ Estimated tax relief £ Net cost after tax relief £ Get a quote How to calculate a finance lease A finance lease allows businesses to use an asset while spreading the cost over time. Here’s how to calculate lease payments and tax savings:1. Finance lease calculation Example:Asset Cost: £50,000Residual Value: £10,000Interest Rate: 6% per year (0. 5% per month)Lease Term: 60 monthsMonthly payment: £771. 602. Tax savings calculationLease payments are tax-deductible, reducing taxable profit. Example (25% Tax Rate):Monthly...
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### Online business valuation calculator
- Published: 2025-03-19
- Modified: 2025-05-16
- URL: https://swoopfunding.com/uk/business-loan-calculator/online-business-valuation-checker/
Online business valuation checker Do you own a SaaS platform, app, eCommerce store, blog, online community or plugin? Curious as to how much your online business is worth? Use this calculator to get a real valuation and connect with potential buyers. Get started Get a valuation and connect with potential buyers in 5 minutes Connect with buyers for your online business from over 190 countries SaaS App eCommerce Blog Online community FAQs What type of business can I value & sell? Get a valuation and connect with buyers for your digital asset or online business such as SaaS assets, apps, eCommerce, blogs, communities and plugins. How long does it take to sell? It's possible to sell in as little as 48 hours, although this is rare and it's very price and category dependent. In general lower value deals close quickest (as you would expect), with most deals sub £25,000 closing within 50 days of going live. The sale time includes matching you to relevant buyers, negotiation, due diligence, asset and funds transfer. Can I sell my business even if it's not profitable? Yes, you can sell your business even if it is not currently profitable. The platform offers an opportunity to find buyers who are interested in potential rather than just current earnings. They might be looking for businesses they can turn around, enter a new market, or integrate with their existing operations. It's important to be transparent about your business's financials and potential for future profitability to attract the...
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### Business loan for marketing
> A business marketing loan is a type of financing designed to help businesses fund advertising, branding, and promotional activities to attract customers.
- Published: 2025-03-13
- Modified: 2025-03-13
- URL: https://swoopfunding.com/uk/business-loans/marketing-loans/
Business loans for marketing Swoop is a credit broker and does not provide capital. We work with a range of companies to offer clear comparisons that allow customers to make choices on financial products & services. Swoop may receive a commission, which may vary by product but typically in the form of a fixed percentage of the loan amount. For certain lenders, we do have influence over the interest rate, and this can impact the amount you pay under the agreement. Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on March 13, 2025. Next review due April 6, 2026. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. The old saw that says advertising pays still rings true. Getting your business name out there, building awareness for your products and services and creating a brand identity that draws in your customers are essential actions to succeed. However, marketing activities can be expensive and for businesses without deep pockets, using valuable working capital to fund an ad campaign or promotion can be...
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### Middle market loans
> Middle-market lending refers to financing provided to mid-sized companies. Read all about middle market finance here, or apply for funding through Swoop.
- Published: 2025-03-13
- Modified: 2025-03-13
- URL: https://swoopfunding.com/uk/business-loans/middle-market-loans/
Middle market loans Swoop is a credit broker and does not provide capital. We work with a range of companies to offer clear comparisons that allow customers to make choices on financial products & services. Swoop may receive a commission, which may vary by product but typically in the form of a fixed percentage of the loan amount. For certain lenders, we do have influence over the interest rate, and this can impact the amount you pay under the agreement. Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on March 13, 2025. Next review due April 6, 2026. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Not too big, not too small. When it comes to business financing, middle market companies may have the best of both worlds – access some of the financial perks the big guys enjoy, savor the flexibility and variety of loans that support small businesses. Add a header to begin generating the table of contents What is middle market lending? Middle-market lending refers to financing...
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### Swoop Broker Suite
- Published: 2025-03-05
- Modified: 2025-04-03
- URL: https://swoopfunding.com/uk/swoop-broker-suite/
Grow or launch your own commercial finance brokerage From compliance to lender access and software, Swoop's Broker Suite provides brokers with the regulation and tools you need to launch or scale your brokerage. Get started Book a demo Is Swoop right for my brokerage? Swoop's Broker Suite has been built with three types of brokers in mind:Existing commercial brokers looking to streamline operations with external compliance, lender panels, and software backed by Swoop’s market-leading brand. Mortgage brokers who want a separate entity for commercial transactions. Brokers who want to start their own business with an established infrastructure. Prefer to become an introducer to refer deals to Swoop? Register your interest here. Get started Book a demo By becoming an Appointed Representative of Swoop you'll get Access to over 1,000 loan, grant and equity products from 500+ providers. Access to our savings products including, business insurance, R&D and FX. Data-driven matches allowing you to provide clients with a holistic financial offering across lending and savings. Banking and accounting integrations to streamline processes and spot opportunities. Complete compliance support as an Appointed Representative of Swoop. Appointed rep Book a demo Access a huge range of financial products Commercial mortgagesUnsecured business loansAsset financeBridging loansSecured loansGrowth Guarantee SchemeStartup loansInvoice financeWorking capital loansCredit linesProperty development financeTax loansMerchant cash advancesEquity financeGrants and much more Why Swoop? noun_Check_2422615 Seamless compliance and operations – everything you need to run a compliant and efficient brokerage noun_Check_2422615 Trusted partnership – leverage Swoop’s technology and expertise to grow your business noun_Check_2422615...
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### Salary exchange calculator
> Our salary exchange calculator is designed to help you estimate the financial benefits of entering into a salary sacrifice scheme. Use it free here.
- Published: 2025-02-06
- Modified: 2025-05-15
- URL: https://swoopfunding.com/uk/business-loan-calculator/salary-exchange-calculator/
Salary exchange calculator Our salary exchange calculator is designed to help you estimate the financial benefits of entering into a salary sacrifice scheme. Discover more about salary exchange Page written by Ian Hawkins. Last reviewed on April 15, 2025. Next review due April 6, 2026. Ian Hawkins Head of Content Ian Hawkins is Head of Content at Swoop. As a freelance business journalist and filmmaker he has reported from Europe, Central and North America and Africa. His films and writing have appeared on BBC World, Reuters and CBS, and he has spoken at conferences on both sides of the Atlantic on subjects including data, cyber security, and entrepreneurialism. What is salary sacrifice? Salary sacrifice is an arrangement between you and your employer where you agree to give up part of your gross (pre-tax) salary in exchange for a non-cash benefit. It's commonly used for things like:Pension contributionsCycle to Work schemesCompany carsChildcare vouchers (closed to new applicants since 2018)How it works:Instead of receiving the full salary, your employer puts the "sacrificed" amount directly towards the chosen benefit. Because the deduction happens before tax and National Insurance (NI) are calculated, you may pay less, boosting your overall take-home value. Example:If your salary is £40,000 and you sacrifice £2,000 for pension contributions:Your new gross salary becomes £38,000You pay tax and NI on £38,000 instead of £40,000£2,000 goes straight into your pensionBenefits:Tax efficiency: You pay less Income Tax and NIBoost to pensions: Especially if your employer passes on their NI savings to your pension...
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### What does working capital requirement measure?
> Your working capital requirement (WCR) measures how much short-term funding your business needs to operate on a daily basis. Read more or apply for funding here
- Published: 2025-02-05
- Modified: 2025-02-20
- URL: https://swoopfunding.com/uk/business-loans/working-capital-loans/what-does-wcr-measure/
What does working capital requirement measure? Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on February 20, 2025. Next review due April 6, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. Short answer: Your working capital requirement (WCR) measures how much short-term funding your business needs to operate on a daily basis. It provides a snapshot of whether you have enough current assets (like cash and receivables) to cover current liabilities (like payables and expenses). But, of course, there’s more to it than just a simple calculation. A clear understanding of your WCR can help you anticipate cash flow gaps, manage operational costs, and plan for sustainable growth. Keep reading to unpack the details on what WCR is, how to calculate it, and why it’s a big part of efficiency in your business. Add a header to begin generating the table of contents What is a working capital requirement (WCR)? Working capital requirement (WCR) is the amount of money a business needs to afford its day-to-day operations. It shows the difference between the current assets and current liabilities that are tied to operational activities, such as managing inventory, collecting payments, and paying suppliers. Think of it this way. If in theory you got all of your household income at the beginning of...
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### Trade finance
> Trade finance is an umbrella term that covers many financial products and instruments used by businesses to reduce the risk of trading abroad. Read more here.
- Published: 2024-12-13
- Modified: 2025-05-15
- URL: https://swoopfunding.com/uk/business-loans/trade-finance/
Trade finance What is your cash goal? How much funding do you require? What is your annual revenue? How old is your business? How old is your business? 0-6 months 6-12 months 1-2 years 2-5 years 5+ years Full name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Loading... arrow_back_ios Here are your potential matches Loans Equity Grants Create your FREE account Add a header to begin generating the table of contents If you’re a wholesaler, distributor or importer, a trade finance loan can give you the cash you need to buy inventory or stock from a supplier, in order to fulfil an order. It’s a form of working capital finance. It falls under the broader banner of trade finance. Add a header to begin generating the table of contents What is trade finance? Trade finance is an umbrella term that covers many financial products and instruments used by businesses to reduce the risk of trading abroad. These risks are specifically related to importing, exporting and domestic trade. Trade finance is a broad term that encompasses a range of financial products utilised by banks and companies to make trade transactions possible. For example, a trade finance loan can give you the cash you need to buy inventory, or stock from a supplier, in order to fulfil an order. In this narrow definition of trade finance, it’s another form of working...
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### Green finance
> Green finance is essentially a business loan or investment used to support environmentally-friendly activities Find out more, or sign up with Swoop today.
- Published: 2024-12-11
- Modified: 2024-12-11
- URL: https://swoopfunding.com/uk/business-loans/green-finance/
Green finance What is your cash goal? How much funding do you require? What is your annual revenue? How old is your business? How old is your business? 0-6 months 6-12 months 1-2 years 2-5 years 5+ years Full name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Loading... arrow_back_ios Here are your potential matches Loans Equity Grants Create your FREE account Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on December 11, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Decarbonising your business to make it more sustainable, efficient and environmentally-friendly can be a win/win for everyone, but it will usually require upfront investment. Green financing can help you manage the costs. Add a header to begin generating the table of contents What is green finance? Green finance is essentially a business loan or investment that’s used to support environmentally-friendly activities such...
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### Material handling equipment financing
> Material handling equipment is designed to move all kind of goods and materials from A to B, but this comes at a cost. Find out more, or sign up with Swoop today.
- Published: 2024-10-08
- Modified: 2024-12-09
- URL: https://swoopfunding.com/uk/business-loans/asset-finance/material-handling-equipment-finance/
Material handling equipment finance How much finance do you need? Asset value £ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 8, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Factories, warehouses, airports, seaports, logistics centres and more - in many types of location you’ll see specialised machinery keeping business humming. Material handling equipment is designed to move all kind of goods and materials from A to B, but for smart business owners, these expensive machines all have one thing in common: The best way to buy them is with an equipment lease or loan. Add a header to begin generating the table of contents What is material handling equipment finance? Material handling equipment finance is a form of equipment...
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### Crane equipment finance
> Crane finance is a specialized form of equipment financing, spreading the cost of expensive machinery over time. Read more or apply for crane finance here.
- Published: 2024-10-08
- Modified: 2024-12-09
- URL: https://swoopfunding.com/uk/business-loans/asset-finance/crane-finance/
Crane finance How much finance do you need? Asset value £ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents You see them on construction sites, in factories, on farms and at the port. High, low, mobile or fixed, industrial cranes are everywhere and anywhere – providing major muscle when big things are on the move. Without a doubt, many industries and businesses could not function without these huge machines. But with price tags often in the £millions, buying them out of working capital can often be impossible – which is why savvy business owners use crane finance to take the strain. Add a header to begin generating the table of contents What is crane finance? Crane finance is a specialized form of equipment financing, Designed for businesses in the construction, manufacturing, agriculture, marine, logistics and other heavy equipment industries, this type of financing allows companies to acquire cranes and related machinery without making a major dent in cash reserves. By spreading the cost of expensive machinery over time, crane finance helps businesses preserve working capital and better manage their cash flow while ensuring access to essential equipment. What types of finance are available for cranes? Just as there are many types of crane, so there are many...
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### Supercar finance
> They go fast, they look great and they cost far more than your typical daily driver. Read more about supercar finance, or arrange your exotic car finance here.
- Published: 2024-10-04
- Modified: 2024-12-09
- URL: https://swoopfunding.com/uk/business-loans/asset-finance/supercar-finance/
Supercar finance How much finance do you need? Asset value £ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 4, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. They go fast, they look great and they cost far more than your typical daily driver. Supercars are in a different league when it comes to automobiles. But how do you buy one without spending piles of cash? Read on to find out more about supercar financing and what you need to qualify. Add a header to begin generating the table of contents What cars are classed as supercars? Supercars, exotic cars, and hypercars, are all part of an elite class of automobile that pushes the boundaries of luxury, performance, rarity, styling...
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### Invoice factoring vs. invoice discounting: What's the difference?
> When businesses need to improve cash flow, two common solutions are invoice factoring and invoice discounting, but which is right for you? Find out here.
- Published: 2024-10-03
- Modified: 2025-05-06
- URL: https://swoopfunding.com/uk/business-loans/invoice-factoring/factoring-vs-discounting/
Invoice factoring vs. invoice discounting: What's the difference? Add a header to begin generating the table of contents Page written by Ashlyn Brooks. Last reviewed on May 2, 2025. Next review due April 6, 2026. Ashlyn Brooks Expert financial copywriter Ashlyn is a personal finance writer with experience in business and consumer taxes, retirement, and financial services to name a few. She has been published in USA Today, Kiplinger and Investopedia. When businesses need to improve cash flow, two common solutions are invoice factoring and invoice discounting. While both options allow companies to access the funds tied up in unpaid invoices, they operate in distinct ways. This guide will explain the difference between factoring and discounting, helping you decide which option best suits your business needs. Add a header to begin generating the table of contents What is invoice factoring? Invoice factoring involves selling your unpaid invoices to a third-party company (called a factor) at a discounted rate. In exchange, the factor provides your business with a significant portion of the invoice's value upfront, typically 70-90%. The factor then assumes responsibility for collecting payment from your customers. Once the customer pays the invoice, the factor will give you the remaining balance minus their fees. Invoice factoring is ideal for businesses that need quick access to cash and want to offload the burden of managing collections. However, since the factor interacts directly with your customers, it can impact customer relationships if you’re not careful. What is invoice discounting? Invoice discounting, on...
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### Car finance settlement calculator
- Published: 2024-09-20
- Modified: 2025-05-14
- URL: https://swoopfunding.com/uk/business-loan-calculator/car-finance-settlement-calculator/
Car finance settlement calculator Our free car finance settlement calculator can help you estimate your final outstanding payment to clear your outstanding finance. Original loan amount £ . 00 Length of agreement 36 months Monthly payments £ . 00 Final repayment £ . 00 Number of payments made 6 This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan. Your results Total payments so far £0 Outstanding amount (settlement) £0 Annual percentage rate (APR) 0% Get a quote How to calculate car finance settlement This amount includes the remaining balance, interest, and any early settlement fees. Here's a general formula to calculate the settlement amount manually:Outstanding balance: Start with the total amount still owed on the loan. Early repayment interest: This can vary based on the lender but is often a portion of the remaining interest on the loan. Early settlement fee: Some lenders may charge a fee for early repayment. The calculation would look like the below:Settlement Amount = Outstanding Balance + Interest Adjustment + Early Settlement Fee All calculators ADR calculator APY calculator Acid test ratio calculator Amortisation calculator Asset finance calculator Basis point calculator Break even calculator Business loan calculator Business rate calculator Business savings calculator Business valuation calculator Car finance calculator Car finance settlement calculator Cash flow calculator Commercial mortgage calculator Commercial stamp duty calculator Compound annual growth rate calculator Compound interest calculator Corporate tax calculator Cost of equity calculator Currency converter Debt...
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### Car finance calculator
- Published: 2024-09-19
- Modified: 2025-05-14
- URL: https://swoopfunding.com/uk/business-loan-calculator/car-finance-calculator/
Car finance calculator Our free car finance calculator can help you estimate your monthly repayments when taking out finance. Repayments Total borrow Amount borrowed £ . 00 Loan term 5 years Annual percentage rate 10% How much can you repay each month? £ . 00 Loan term 5 years Annual percentage rate 10% This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan. Your results Monthly repayments £0 Interest payments £0 Total amount £0 Amount you could borrow £0 Interest payments £0 Total amount £0 Get a quote How to calculate car finance payments To calculate your monthly asset finance costs, you'll need the following:Car Price: The total price of the vehicle. Deposit: The amount you're putting down upfront. Loan Term: The number of months or years over which you plan to repay the loan. Interest Rate: The percentage the lender charges on the loan. Final Balloon Payment (Optional): A large payment at the end of some car finance agreements (like PCP). All calculators ADR calculator APY calculator Acid test ratio calculator Amortisation calculator Asset finance calculator Basis point calculator Break even calculator Business loan calculator Business rate calculator Business savings calculator Business valuation calculator Car finance calculator Car finance settlement calculator Cash flow calculator Commercial mortgage calculator Commercial stamp duty calculator Compound annual growth rate calculator Compound interest calculator Corporate tax calculator Cost of equity calculator Currency converter Debt service coverage ratio (DSCR) calculator Depreciation calculator...
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### Growth Guarantee Scheme (GGS) calculator
> Use our simple Growth Guarantee Scheme (GGS) calculator to understand your monthly repayments including interest, as well as the total cost of the loan.
- Published: 2024-07-08
- Modified: 2025-05-14
- URL: https://swoopfunding.com/uk/business-loan-calculator/growth-guarantee-scheme-calculator/
Growth Guarantee Scheme (GGS) calculator The UK Government’s Growth Guarantee Scheme (GGS) is a continuation of the popular Recovery Loan Scheme, with lending of up to £2m. When comparing GGS to its predecessor RLS, the terms remain broadly unchanged, except for interest rates. Find out how much you could borrow with our Growth Guarantee Scheme calculator. Your loan details How much funding do you require? £ . 00 Repayment term years Interest rate % This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan. Your results Monthly payments £- Avg. monthly interest £- Total interest £- Total cost of finance £- Get a quote https://www. youtube. com/watch? v=whlzlqpAHqA&t=7s All calculators ADR calculator APY calculator Acid test ratio calculator Amortisation calculator Asset finance calculator Basis point calculator Break even calculator Business loan calculator Business rate calculator Business savings calculator Business valuation calculator Car finance calculator Car finance settlement calculator Cash flow calculator Commercial mortgage calculator Commercial stamp duty calculator Compound annual growth rate calculator Compound interest calculator Corporate tax calculator Cost of equity calculator Currency converter Debt service coverage ratio (DSCR) calculator Depreciation calculator (straight-line method) Development finance calculator EBITDA calculator Finance lease quote calculator Franchise loan calculator Growth Guarantee Scheme (GGS) calculator Inflation calculator Internal rate of return calculator Invoice finance calculator Lease calculator Loss ratio calculator Marginal cost calculator Merchant cash advance (MCA) calculator Mortgage overpayment calculator Net profit margin calculator Online business valuation calculator Operating...
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### Visiting Angels
> Visiting Angels specialises in the delivery of care services to clients in the comfort of their own home. They claim to be the #1 provider. Learn more here.
- Published: 2024-06-17
- Modified: 2024-09-29
- URL: https://swoopfunding.com/uk/business-loans/franchise-finance/visiting-angels/
Visiting Angels franchise Hassle-free business loans to start your Visiting Angels franchise. Get started Visiting Angels specialises in the delivery of care services to clients in the comfort of their own home. They claim to be the #1 ranked provider in the senior care industry. Visiting Angels business details Visiting Angels were founded in 1991 and are based in Bryn Mawr, Pennsylvania. They have offered franchise opportunities since 1998. The company provides non-medical professional care services to adult clients, with caregivers working in their clients’ homes. As well as the UK, Visiting Angels operate in Canada, Mexico, South Korea and the US. They currently support over 15,000 clients and employ almost 16,000 caregivers worldwide. Visiting Angels at a glance:UK stores: More than 60Required Investor net worth: £110,000Required investor liquid cash: £110,000Min. investment: £125,000Max. investment: £171,000Standard franchise term: 10 years Can I start a Visiting Angels franchise? Starting a Visiting Angels franchise must be one of the easier business opportunities to get into. You’ll need a minimum net worth and liquid cash requirements of £110k each and you must rent or purchase a commercial location as your administration hub. But after that, there are few hurdles left to climb. Visiting Angels do not ask that franchisees have previous experience in the care industry, and you do not need a medical license to operate a care company (although that obviously would be an advantage). Franchise owners are also not required to participate in the daily running of the office. You can hire...
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### Pizza Hut
> Pizza Hut is a major player in the globe’s growing pizza industry it operates in more than 100 countries. Learn all about its franchise options here.
- Published: 2024-06-17
- Modified: 2025-04-10
- URL: https://swoopfunding.com/uk/business-loans/franchise-finance/pizza-hut/
Pizza Hut franchise Hassle-free business loans to start your Pizza Hut franchise. Get started Second only to Domino’s, Pizza Hut is a major player in the globe’s growing pizza industry. The company operates in more than 100 countries. Pizza Hut business details Pizza Hut began life as a single restaurant in Wichita, Kansas in 1958. More than 65 years later, the company has corporate headquarters in Plano Texas, over 500 stores in the UK and more than 19,000 outlets worldwide. Pizza Hut have offered franchise opportunities since 1959 and are a wholly owned subsidiary of global conglomerate, Yum Brands. Pizza Hut at a glance:UK stores: More than 500 Required Investor net worth: £700,000Required investor liquid cash: £350,000Min. investment: £500,000Max. investment: £2,053,000Standard franchise term: 10 years Can I start a Pizza Hut franchise? Like all the major fast-food brands, getting into a Pizza Hut franchise can be expensive. You’ll also need a minimum net worth of £700k and liquid cash of £350k or more. As well as the steep financial requirements, the company prefers franchisees who have solid experience in the hospitality industry and, ideally, have previously worked in a managerial or supervisory capacity in a Pizza Hut store. They also like their franchisees to take an active role in the daily running of the restaurant. This franchise may not be suitable for passive investment. How much does a Pizza Hut franchise cost? Pizza Hut set-up costs vary from a modest £500,000 to an eye-watering £2,053,000 depending on the location, size...
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### Jan-Pro
> Jan-Pro are a franchised cleaning and janitorial services organisation, and the leader in the market worth £96 billion per year. Learn all here.
- Published: 2024-06-13
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-loans/franchise-finance/jan-pro/
Jan-Pro franchise Hassle-free business loans to start your Jan-Pro franchise. Get started Jan-Pro are a franchised cleaning and janitorial services organisation. They claim to the #1 commercial cleaning business. Jan-Pro business details Jan-Pro was founded in 1991 and they have offered franchise opportunities since 1992. They are headquartered in Alpharetta, Georgia. The company primarily provides cleaning and disinfecting services to institutional, industrial and other commercial customers. Jan-Pro at a glance:Stores: 12,000 worldwideRequired Investor net worth: not statedRequired investor liquid cash: not statedMin. investment: £3,000Max. investment: £78,100Standard franchise term: 10 years Can I start a Jan-Pro franchise? With a minimum investment of £3k, no liquid cash or net worth requirements and no need for previous commercial experience, a Jan-Pro franchise must be one of the easiest businesses to get up and running. Many Jan-Pro franchisees operate as small, family or even single-person operations, (although you can buy a Regional Developer/Master Franchisee and have many single-unit operators under your wing and paying you each month). Jan-Pro says you can run this business and still keep your day job, so it could work well as a semi-passive investment or as a side hustle to bring in extra income. How much does a Jan-Pro franchise cost? Certainly one of the more affordable business opportunities, the set-up costs for a single Jan-Pro franchise range from £3,000 up to £78,100 depending on the size of your operating territory. This cost ranks as very low. The franchise fee ranges from £2,520 up to £60,000. Military veterans may...
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### Fastsigns
> Fastsigns produce custom signs and marketing materials for businesses in the UK and seven other countries. Read more about them and apply for financing here.
- Published: 2024-06-13
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-loans/franchise-finance/fastsigns/
Fastsigns franchise Hassle-free business loans to start your Fastsigns franchise. Get started Fastsigns produce custom signs and marketing materials for businesses in the UK and seven other countries. They claim to be the leaders in a market worth £29 billion per year. Fastsigns business details Fastsigns were launched in 1985 and they have offered franchise opportunities since 1986. They are headquartered in Carrollton, Texas. The company designs, produces, installs and maintains all types of sign as well as producing other graphic and marketing materials and further complementary products. The organisation has a total of 745 outlets across the globe, including Canada, the UK, Chile, Grand Cayman, Puerto Rico and more. Fastsigns at a glance:Stores: More than 765 Required Investor net worth: £150,000Required investor liquid cash: £35,000Min. investment: £36,000Max. investment: £310,000Standard franchise term: 10 years Can I start a Fastsigns franchise? With reasonable liquid cash and net worth requirements and affordable set-up costs, starting a Fastsigns franchise may be possible for many entrepreneurs. Fastsigns do not require previous experience in the signage industry, although having owned or managed a business before would clearly be an advantage. The company mandates that either the franchisee or their designated manager is on site to oversee the daily running of the store and to liaise with business customers. After the initial set-up period, you could operate this franchise as a passive investment. How much does a Fastsigns franchise cost? Set-up costs for a Fastsigns franchise range from £36,000 to £310,000 depending on the size of...
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### Domino's
> In the highly competitive world of pizza retailing, Domino’s are the big boys on the block. Read all about them or apply for funding here.
- Published: 2024-06-13
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-loans/franchise-finance/dominos/
Domino's franchise Hassle-free business loans to start your Domino's franchise. Get started In the highly competitive world of pizza retailing, Domino’s are the big boys on the block. In both sales and store numbers they are #1, well ahead of rivals such as Pizza Hut. Domino's business details Domino’s began life in 1960 in Ypsilanti, Michigan as a single pizza restaurant. Today, the company is headquartered in Ann Arbor and operates in over 90 other countries. With more than 20,000 outlets globally, Domino’s are by far the largest pizza company in the world. They have offered franchise opportunities since 1967. Domino's at a glance:Stores: More than 1300Required Investor net worth: £250,000Required investor liquid cash: £120,000Min. investment: £120,000Max. investment: £350,000Standard franchise term: 10 years Can I start a Domino's franchise? You can get into a Domino’s pizza franchise for relatively low pounds and the minimum £120k liquid cash and £250k net worth requirements should not be an issue for many investors. However, you face a major roadblock if you have never worked for this company. Domino’s currently only offer new franchise licenses to entrepreneurs who have a minimum of one years’ experience working at a Domino’s store in a general manager or supervisor capacity. In other words, you need to be in this club to join this club, making it very difficult for outsiders to gain entry. Domino’s also expect franchisees to play a major role in the daily running and success of the store. This opportunity is not suitable for...
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### Comfort Keepers
> Comfort Keepers are an international care provider and a wholly owned subsidiary of global food and services conglomerate. Read more about it here.
- Published: 2024-06-13
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-loans/franchise-finance/comfort-keepers/
Comfort Keepers franchise Hassle-free business loans to start your Comfort Keepers franchise. Get started Comfort Keepers are an international care provider and a wholly owned subsidiary of global food and services conglomerate, Sodexo. The company specialises in the delivery of care services to clients and patients in the comfort of their own home. Comfort Keepers have more than 700 offices worldwide and operate in 10 countries including the US, Canada, Australia, Norway and Singapore. Comfort Keepers business details Launched in 1998 and headquartered in Irvine, California, Comfort Keepers have offered franchise opportunities since 1999. The organisation delivers in-home care for the elderly and other adults who need assistance in daily living, including homemaker/companionship care, personal care, and with personal technology services and equipment. Some Comfort Keepers franchises also provide trained nurses to deliver more attentive services, including respite care, senior health and wellbeing care and other private nursing duties. Comfort Keepers at a glance:Stores: More than 700Required Investor net worth: £300,000Required investor liquid cash: £100,000Min. investment: £105,000Max. investment: £176,000Standard franchise term: 10 years Can I start a Comfort Keepers franchise? You can start a Comfort Keepers franchise for fairly low pounds and the liquid cash and net worth requirements should be well within the reach of many entrepreneurs at £100k and £300k, respectively. Comfort Keepers do not mandate that new franchise owners have previous care-provider experience or possess any medical credentials, although either of these attributes would be an added advantage. Franchisees must employ a minimum of two staff (including...
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### Cinnabon
> Cinnabon operate quick-service bakeries that sell their world famous fresh-baked cinnamon rolls and more. Learn all about it, or apply for funding here.
- Published: 2024-06-13
- Modified: 2024-09-26
- URL: https://swoopfunding.com/uk/business-loans/franchise-finance/cinnabon/
Cinnabon franchise Hassle-free business loans to start your Cinnabon franchise. Get started Cinnabon operate quick-service bakeries that sell their world famous fresh-baked cinnamon rolls, plus a range of other cakes and pastries and beverages. Cinnabon business details Launched in Seattle, Washington in 1985, Cinnabon are now headquartered in Atlanta, Georgia. They have offered franchise opportunities since 1986. Cinnabon claims to be the world’s largest seller of cinnamon flavoured pastries. They rank #49 in the list of world’s biggest fast food retailers, behind other global bakeries. At the end of 2023 the company had 22 outlets across the UK. They operate in 57 countries worldwide. Cinnabon at a glance:UK stores: 22Required Investor net worth: £300,000Required investor liquid cash: £120,000Min. investment: £255,000 (full bakery)Max. investment: £657,000 (full bakery)Standard franchise term: 20 years Can I start a Cinnabon franchise? You’ll need a minimum net worth of £300k, liquid cash of £120k and be prepared to spend close to £700k to get a full Cinnabon bakery off the ground. (Although you may start a simpler Express Cinnabon location for as little as £60,000). The company prefers franchisees who have previous experience in running a business or hospitality and they say they’re seeking franchise-owners who are ‘people orientated’, (which means you genuinely care about your customers and your team). Although franchisees are not required to manage the daily operations of their store, Cinnabon does not recommend this opportunity for candidates seeking a remote investment. How much does a Cinnabon franchise cost? Cinnabon offer six types...
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### Currency converter
> Our currency converter is here to help you stay on top of exchange rates, whether you're planning a vacation, making an online purchase, or conducting business.
- Published: 2024-06-12
- Modified: 2025-05-15
- URL: https://swoopfunding.com/uk/business-loan-calculator/currency-converter/
Currency converter Our free currency converter is here to help you stay on top of exchange rates, whether you're planning a vacation, making an online purchase, or conducting global business. Origin currency Destination currency Amount to convert £ . 00 This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan. Your results Converted amount £ 0 Get a quote What is a currency converter? A currency converter is a tool that allows you to quickly and easily convert one currency into another. It uses the current exchange rates to calculate the equivalent amount of money in different currencies. Currency converters are commonly used by travellers, businesses, and anyone needing to understand the value of money across different countries and provide a convenient way to stay updated on currency values and make informed financial decisions. Why use a currency converter? Using a currency converter is helpful for several reasons:Travel planning: It assists you in understanding how much your money is worth in another country, allowing you to budget more effectively. Business transactions: It makes international business easier by allowing companies to convert currencies accurately when dealing with cross-border transactions. Online shopping: It assists you in comparing prices and determining the cost of goods in your local currency when shopping from international websites. Investment decisions: It helps investors and financial analysts assess the value of foreign investments by converting returns into their home currency. Personal finance management: It assists...
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### Transworld Business Advisors
> Transworld Business Advisors are a franchised consulting organisation. They help small business owners to grow, buy or sell their businesses. Read more here.
- Published: 2024-05-30
- Modified: 2024-09-29
- URL: https://swoopfunding.com/uk/business-loans/franchise-finance/transworld-business-advisors/
Transworld Business Advisors franchise Hassle-free business loans to start your Transworld Business Advisors franchise. Get started Transworld Business Advisors are a franchised consulting organisation. They help small business owners to grow, buy or sell their businesses. Transworld claims to have sold more than 10,000 businesses since 1979 and have over 500 brokers and more than 200 offices worldwide. Transworld Business Advisors business details Launched in 1979 and headquartered in West Palm Beach, Florida, Transworld Business Advisors have offered franchise opportunities since 2010. The company specialises in the brokerage of small and medium sized businesses, acting as advisors to help business owners get the most from the businesses they own. They are largest organisation of this type in the UK, and they claim to be the #1 franchise in the sector according to Entrepreneur magazine. Transworld Business Advisors at a glance:Worldwide stores: Approximately 500Required Investor net worth: not statedRequired investor liquid cash: £100,000Min. investment: £50,000Max. investment: £122,000Standard franchise term: 35 years Can I start a Transworld Business Advisors franchise? With only £100,000 in cash and no minimum net worth required, plus a highly affordable cost of entry, getting into a Transworld agency is not difficult. However, there is one consideration that may be a barrier for some potential franchisees; although Transworld state that previous business broker experience is not essential, some states require that business brokers have a real estate license. This means specialised training may be necessary depending on your location. Transworld also expects their franchisees to have direct involvement...
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### Signal
> Signal is a franchised private security company offering a range of security options to residential and businesses. Learn all about it here.
- Published: 2024-05-30
- Modified: 2024-09-29
- URL: https://swoopfunding.com/uk/business-loans/franchise-finance/signal/
Signal franchise Hassle-free business loans to start your Signal franchise. Get started Signal is a franchised private security company offering a range of security options to residential and business customers. Signal claims to be Entrepreneur magazine’s #1 security franchise with 26% growth year on year and network gross revenues of £267 million in 2023. Signal business details Headquartered in Omaha, Nebraska, Signal, (previously known as Signal 88 Security), was founded in 2003. The company has offered franchise opportunities since 2008. Signal competes with other home and business security companies providing security patrols and surveillance, security consulting, executive protection, and training in personal safety, risk avoidance, and threat management for residential and commercial customers. At the end of 2023, the business had more than 1,000 offices and +4,600 customers spread across the globe. Signal at a glance:Offices: More than 1000Required Investor net worth: not statedRequired investor liquid cash: not statedMin. investment: £57,000Max. investment: £273,000Standard franchise term: 3 years Can I start a Signal franchise? Starting a Signal security franchise is affordable, with investments that start as low as £57k. Additionally, the company does not mandate a minimum net worth or liquid cash requirement. However, be aware that franchise fees for this opportunity can be steep depending on the size of your franchise territory. Average start-up fees paid to Signal are £70,000 and you will then need to cover other costs and carry overhead for three to six months until you can secure enough customers to break even. Expect to pay at...
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### Popeyes franchise
> Popeyes Louisiana Kitchen operates quick-service restaurants that offer a ‘Louisiana- style’ menu. Learn all about the franchise here.
- Published: 2024-05-29
- Modified: 2024-09-29
- URL: https://swoopfunding.com/uk/business-loans/franchise-finance/popeyes/
Popeyes franchise Hassle-free business loans to start your Popeyes franchise. Get started Popeyes Louisiana Kitchen, more simply known as Popeyes, operates quick-service restaurants that offer a ‘Louisiana- style’ menu featuring spicy chicken, biscuits, fried shrimp and other quick-service menu items. Popeyes business details Popeyes was launched in 1972 and have been offering franchise opportunities since 1976. Their corporate headquarters are in Miami, Florida. A major name in the chicken restaurant industry, they have 38 UK locations and also operate in the US, France, Czech Republic, Poland, Romania, Spain and Switzerland. Total outlets are more than 4,000. Popeyes at a glance:UK stores: 38Required Investor net worth: £1,000,000Required investor liquid cash: £500,000Min. investment: £470,000Max. investment: £3,875,000Standard franchise term: 20 years Can I start a Popeyes franchise? You’ll need at least half a million pounds in liquid cash and a net worth of at least double that. You’ll also need access to some serious financing to cover start-up costs that can approach £4 million. Apart from that, you’ll also need previous experience at running multi-unit restaurants, permanent residence in the area where your restaurants are located and ‘consistent involvement in local community initiatives’. Lastly, as you may expect after all this, you’ll be expected to take a hands-on, active role in running the business. This is serious franchising. It is not an opportunity for passive investment. How much does a Popeyes franchise cost? Like all the major fast food brands, getting into a Popeyes chicken n’ biscuits franchise is not cheap. Expect to...
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### Kumon franchise
> Kumon is the world’s largest provider of supplementary education, they enhance the teaching children receive in regular school. Read more here.
- Published: 2024-05-29
- Modified: 2024-09-29
- URL: https://swoopfunding.com/uk/business-loans/franchise-finance/kumon-franchise/
Kumon franchise Hassle-free business loans to start your Kumon franchise. Get started Kumon is the world’s largest provider of supplementary education. Their learning centres enhance the teaching children receive in regular school by using a proprietary ‘just right’ learning method that was created by the company’s founder in 1954. Kumon business details Launched in 1958 and headquartered in Ridgefield Park, New Jersey, Kumon has offered franchise opportunities since inception. Via their franchised learning centres, the business provides after-school math and reading tutoring to children aged two years up to pre-university. Kumon operates in 62 countries and has more than 27,000 learning centres across the globe. Kumon at a glance:Centres: More than 27,000Required Investor net worth: £150,000Required investor liquid cash: £70,000Min. investment: £67,200Max. investment: £145,600Standard franchise term: 5 years Can I start a Kumon franchise? Kumon franchises have to be one of the most affordable opportunities available. Liquid cash requirements are only £70k and minimum net worth is £150k. Set-up costs are equally modest. Heck, even the initial franchise fee is low-cost. But apart from the money, what else do you need? Kumon does not demand that franchise owners have educational experience or qualifications, (although you must have at least a bachelor’s degree). Instead, the company wants franchisees that have a passion for working with children and believe in Kumon’s mission of helping kids become independent, self-assured and confident. They also say that many of their franchisees have previous experience running a business. Lastly, the company expects their franchisees to make...
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### Chem-Dry franchise
> Chem-Dry is a franchised carpet cleaning business, offering entrepreneurs the chance to grab a piece of an industry worth £6.6 billion per year. Read more here.
- Published: 2024-05-23
- Modified: 2024-09-26
- URL: https://swoopfunding.com/uk/business-loans/franchise-finance/chem-dry-franchise/
Chem-Dry franchise Hassle-free business loans to start your Chem-Dry franchise. Get started Chem-Dry is a franchised carpet cleaning business. They claim to be the best carpet cleaning franchise, offering entrepreneurs the chance to grab a piece of an industry worth £6. 6 billion per year. Chem-Dry business details Launched in 1977 and now headquartered in Nashville, Tennessee, Chem-Dry have offered franchise opportunities since 1978. Franchisees operate a mobile business, using branded vehicles to visit residential and commercial premises to provide carpet cleaning, upholstery cleaning, spot removal, protective services and other authorised services. Currently, they have over 3500 locations worldwide and operations in more than 30 countries. Chem-Dry at a glance:Stores: More than 3500Required Investor net worth: not statedRequired investor liquid cash: £30,000Min. investment: £72,000Max. investment: £254,000Standard franchise term: 5 years Can I start a Chem-Dry franchise? You won’t need deep pockets to get into your Chem-Dry franchise. After covering the franchise fee, new business owners are required to show liquid cash reserves of only £30k. There is no minimum net-worth requirement or any need for previous cleaning industry experience. Additionally, because Chem-Dry is a mobile business there are minimal real estate costs. You could operate your Chem-Dry business from your own home or a low-cost industrial unit. There’s no need for an expensive main street retail outlet. Best of all, Chem-Dry does not require franchisees to manage the day-to-day running of the business. You can hire someone to do that for you. This makes a Chem-Dry franchise a good option...
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### Burger King
> Famed for their flame-grilled burgers and other fast-food delights, Burger King has been around for 70 years and shows no signs of slowing down. Read all here.
- Published: 2024-05-23
- Modified: 2025-04-10
- URL: https://swoopfunding.com/uk/business-loans/franchise-finance/burger-king/
Burger King franchise Hassle-free business loans to start your Burger King franchise. Get started Famed for their flame-grilled burgers and other fast-food delights, Burger King has been around for 70 years and shows no signs of slowing down. The company is on track to reach £60 billion in annual global sales by 2028. Burger King business details Launched in 1954 and headquartered in Miami, Florida, Burger King has offered franchise opportunities since inception. Second only to McDonald’s in the global sandwich stakes, Burger King is a fast food giant, operating more than 19,000 locations in over 100 countries around the world. Burger King at a glance:US stores: More than 500Required Investor net worth: at least £1,000,000Required investor liquid cash: £500,000 min. Min. investment: £250,000Max. investment: £800,000Standard franchise term: 20 years Can I start a Burger King franchise? Burger King offers four types of franchise, ranging from a full-scale eat-in restaurant to a simple, delivery and pickup facility. As a result, costs vary significantly – going from a very affordable £250,000 up to £800,000 – ranking Burger King start-up costs as low to high. The franchise fee ranges from £2,500 to £50,000. There are no franchise fee discounts for military veterans. Burger King franchise options: Traditional Burger King Restaurant Facility: A self-contained, full size Burger King restaurant which is located and operated on a site as a freestanding building or within another building structure such as a shopping mall. Non-Traditional Burger King Facility: A non-traditional Burger King restaurant may be located...
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### Anytime Fitness
> Anytime Fitness offer 24/7 customer access to fitness centres that provide one to one and group exercise programs, coaching, recovery training. Read more here.
- Published: 2024-05-23
- Modified: 2024-09-29
- URL: https://swoopfunding.com/uk/business-loans/franchise-finance/anytime-fitness/
Anytime Fitness franchise Hassle-free business loans to start your Anytime Fitness franchise. Get started Anytime Fitness claims to be the world’s largest and fastest-growing health club franchise and they are considered a giant in the fitness and wellness industry. Anytime Fitness business details Anytime Fitness is a business based in Woodbury, Minnesota. They offer 24/7 customer access to franchised fitness centers that provide one to one and group exercise programs, coaching, recovery training and other services such as automated tanning booths, vending services, and reciprocal benefits between centers. They have more than 5,000 locations around the world and claim a presence on all seven continents. The company has offered franchise opportunities since 2002. Anytime Fitness at a glance:UK stores: More than 180 Required Investor net worth: £380,000Required investor liquid cash: £225,000Min. investment: £170,000Max. investment: £600,000Standard franchise term: 5-10 years Can I start an Anytime Fitness franchise? Anytime Fitness are seeking franchisees with a net worth of at least £380,000, liquid assets of £225k, and a willingness to spend up to £600,000 to get their new fitness business off the ground. The company says you don’t need previous fitness industry experience to qualify, but they ask that franchisees are passionate about fitness and are excited to help others achieve their wellness goals. Franchisees are also expected to play an active role in building and managing the business, which means this opportunity is not suitable for passive investment. How much does an Anytime Fitness franchise cost? Start-up costs for an Anytime Fitness...
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### Signarama
> Signarama is a franchised printing and sign-making business producing and selling magnetic, paper and laminated signs, and more. Read all about it here.
- Published: 2024-05-09
- Modified: 2024-09-29
- URL: https://swoopfunding.com/uk/business-loans/franchise-finance/signarama/
Signarama franchise Hassle-free business loans to start your Signarama franchise. Get started Signarama is a franchised printing and sign-making business. They produce and sell magnetic, paper and laminated signs, plus a wide range of other products such as banners and posters, retail displays, store fronts and electric and neon signs. Signarama business details Signarama began in 1986 in Farmingdale, New York and has offered franchise opportunities since 1987. Today they are headquartered in West Palm Beach, Florida. Claiming to be a leader in their industry, the company operates across the UK and in 30 other countries. They currently have more than 270 outlets in international markets, including Canada, France and Australia. Signarama at a glance:International stores: More than 270Required Investor net worth: Not statedRequired investor liquid cash: £60,000Min. investment: £250,000Max. investment: £340,000Standard franchise term: 35 years Can I start a Signarama franchise? If you have at least £60k in liquid capital and you can cover start-up costs that can be more than £300,000, then you can start a Signarama franchise. The company allows investors to designate a principal manager to take the necessary training and control the day-to-day running of your store, so this makes a Signarama franchise suitable for passive investment. How much does a Signarama franchise cost? Signarama franchises come in at the affordable end of the cost spectrum, with an initial investment that can vary from £250,000 to £340,000 – a set-up cost that ranks as low. The initial franchise fee is £49,500. Military veterans may qualify...
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### Paris baguette
> Paris Baguette is a franchised café/bakery organisation that sell a variety of French-inspired breads, pastries, cakes, and more. Read it all here.
- Published: 2024-05-09
- Modified: 2024-09-29
- URL: https://swoopfunding.com/uk/business-loans/franchise-finance/paris-baguette/
Paris baguette franchise Hassle-free business loans to start your Paris baguette franchise. Get started Paris Baguette is a franchised café/bakery organisation who operate modern and inviting eateries that sell a variety of French-inspired breads, pastries, cakes, sandwiches and other products. Paris baguette business details Originally founded in South Korea in 1986 and now headquartered in Moonachie, New Jersey, Paris Baguette has offered franchise opportunities since inception. Claiming to deliver a better café/bakery customer experience than competitors. The company has more than 4,000 locations worldwide and is aiming to surpass 1,000 cafés in the US and Canada by 2030. They added 40 new locations in 2023. Paris Baguette at a glance:Stores: More than 4000Required Investor net worth: £1,500,000Required investor liquid cash: £500,000Min. investment: £500,000Max. investment: £1,750,000Standard franchise term: 10 years Can I start a Paris baguette franchise? You’ll need a minimum net worth of £1,500,000 and liquid cash of at least half a million pounds. You’ll also need to meet start-up costs that can run close to £2 million. Paris Baguette allows franchisees to designate a principal manager to take the necessary training and manage the day-to-day operations of the café. This makes this franchise suitable for passive investment. How much does a Paris baguette franchise cost? This is a chain that likes to keep things authentic, and they’ve managed that right through to the initial investment. Like almost everything else in their namesake city, opening a Paris Baguette franchise is not cheap. Start-up costs range from £500,000 to £1,750,000, ranking...
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### Papa John's
> Papa John’s is a pizza business giant that offers consumers eat-in dining, delivery or takeout services for pizzas, chicken wings, and more. Read it all here.
- Published: 2024-05-07
- Modified: 2024-09-29
- URL: https://swoopfunding.com/uk/business-loans/franchise-finance/papa-johns/
Papa John's franchise Hassle-free business loans to start your Papa John's franchise. Get started Papa John’s is a pizza business giant with almost 6,000 locations worldwide. The brand offers consumers eat-in dining, delivery or takeout options and a choice of products that include pizzas, chicken wings, and garlic bread. Novus Glass business details Headquartered in Louisville, Kentucky, Papa John’s began in 1984 and has offered franchise opportunities since 1985. In 2022 the business had sales of more than £3. 6 billion with average sales per store of more than £1 million per year. Papa John's at a glance:UK stores: More than 400Required Investor net worth: £750,000Required investor liquid cash: £100,000Min. investment: £170,000Max. investment: £225,000Standard franchise term: 10 years Can I start a Papa John's franchise? Getting into a Papa John’s franchise is not exactly a walk in the park. To start with, you’ll need fairly deep pockets to meet the start-up costs, which can run to almost one million pounds depending on the type of store you choose and where you are located. You’ll also need at least £100k in liquid cash and net worth of £750,000. Then, if you can cover the financial requirements, Papa John’s also expects that at least one franchise partner should have a business background and one partner must have substantial restaurant or retail management experience. Lastly, the company prefers franchisees who will operate at least five Papa John’s outlets, and you’ll need to live in the area of your restaurants throughout the term of...
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### Novus Glass
> Novus Glass outlets and mobile stores primarily provide auto glass replacement products and services. Read more about the franchise and how it works.
- Published: 2024-05-07
- Modified: 2024-09-29
- URL: https://swoopfunding.com/uk/business-loans/franchise-finance/novus-glass/
Novus Glass franchise Hassle-free business loans to start your Novus Glass franchise. Get started Novus Glass outlets and mobile stores primarily provide auto glass replacement products and services. With more than 44 million windshields repaired since 1972, the company claims to be the global leader in their market. Novus Glass business details Novus Glass is headquartered in St. Paul, Minnesota. They’ve offered franchise opportunities since 1985. Best known for their auto glass repair services, they also offer commercial and residential glass replacement plus a mix of other automotive aftermarket products and services. They currently operate in 30 countries and have more than 1300 locations worldwide. Novus Glass at a glance:Stores: More than 1300Required Investor net worth: £150,000Required investor liquid cash: £30,000Min. investment: £59,000Max. investment: £274,000Standard franchise term: 10 years Can I start a Novus Glass franchise? Novus Glass say you don’t need previous experience in the automotive service industry to successfully operate one of their glass replacement outlets, and with a requirement of £30,000 liquid cash and £150,000 net worth, the financial hurdles to ownership are low. However, keep in mind that many businesses offer auto glass repair in the UK, which has grown by since 2019, the competition for customers could be challenging – as evidenced by this franchise’s failure rate, which is 23% by year three. How much does a Novus Glass franchise cost? A Novus Glass franchise is affordable, requiring an initial investment that ranges from £59,000 up to £274,000 (a cost that includes a vehicle fee...
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### Minuteman Press
> Minuteman Press is a retail franchise network that provides printing and related business services to companies and the public. Read all about it here.
- Published: 2024-05-07
- Modified: 2024-09-29
- URL: https://swoopfunding.com/uk/business-loans/franchise-finance/minuteman-press/
Minuteman Press franchise Hassle-free business loans to start your Minuteman Press franchise. Get started Minuteman Press is a retail franchise network. Their stores provide printing and related business services to companies and the general public across the UK, Canada, Australia and South Africa. Minuteman Press business details Launched in 1973 and headquartered in Farmingdale, New York, Minuteman Press has offered franchise opportunities since 1975. Minuteman business centres offer varied printing and marketing services, including digital printing, design, finishing, mailing, advertising specialty items, and marketing communications. More than 50 years after opening, the business is still family owned. Minuteman Press at a glance:Total stores: Approximately 1000Required Investor net worth: not statedRequired investor liquid cash: not statedMin. investment: £30,000 Max. investment: £70,000Standard franchise term: 35 years Can I start a Minuteman Press franchise? You can get into a Minuteman Press franchise for as little as £30,000 if you choose to lease your service centre's equipment, making this opportunity highly affordable. The company says previous experience in the printing or business services industry is not necessary to operate one or more of their franchised stores. However, they do demand that the franchisee is fully involved in the management and development of the business, although you can designate a manager to take the necessary training and take care of the day-to-day operation of the store. This means a Minuteman Press franchise may be suitable for passive investment. How much does a Minuteman Press franchise cost? The initial start-up costs for a Minuteman Press franchise...
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### KFC
> KFC is one of the world’s best known fast food brands. They sell fried chicken and related food and drink products. Read more about the franchise with Swoop.
- Published: 2024-05-07
- Modified: 2024-09-29
- URL: https://swoopfunding.com/uk/business-loans/franchise-finance/kfc/
KFC franchise Hassle-free business loans to start your KFC franchise. Get started KFC is one of the world’s best known fast food brands. Via company owned and franchised restaurants they sell fried chicken and related food and drink products at more than 29,000 locations in 147 countries. Global revenues exceeded 33 billion pounds in 2023. KFC business details Colonel Harland Sanders opened the first franchised Kentucky Fried Chicken restaurant in Salt Lake City, Utah in 1952. More than 70 years later, the name-abbreviated KFC is now headquartered in Louisville, Kentucky and is the third largest fried chicken chain behind Chick-fil-A and Popeye’s. However, the brand still dominates the global scene. They are the second largest fast food chain in the world after McDonald’s. KFC at a glance:UK stores: Just over 1000Required Investor net worth: £1,500,000Required investor liquid cash: £750,000Min. investment: £1,800,000Max. investment: £3,700,000Standard franchise term: 20 years Can I start a KFC franchise? You can if you have at least £750,000 in liquid cash and a net worth of £1,500,000. You’ll also need to meet start-up costs that can reach almost four million pounds. KFC does not demand that franchisees have past experience in hospitality, but clearly, with this kind of investment, prior experience in the fast food industry or a similar high-volume consumer business would be helpful. The company expects owners to be on the restaurant floor and running operations daily. This is not a passive investment opportunity. How much does a KFC franchise cost? As you may expect...
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### Home Instead
> Home Instead provides in-home care services with a mission to enable seniors and other individuals to live independently at home. Learn more here.
- Published: 2024-05-07
- Modified: 2024-09-29
- URL: https://swoopfunding.com/uk/business-loans/franchise-finance/home-instead/
Home Instead Hassle-free business loans to start your Home Instead franchise. Get started Home Instead is a franchisor providing in-home care services for seniors and other individuals. Considered one of the world’s leading care providers, their mission statement says they believe everybody should be able to live independently at home, regardless of their age. Home Instead business details Founded in 1994 and offering franchise opportunities since 1995, Home Instead is headquartered in Omaha, Nebraska. The business provides home care services such as companionship, and personal and specialised services, including hospice and Alzheimer’s care for older adults. They operate more than 1,200 franchised locations across 13 countries and are a frequent ‘top franchise’ award winner. Home Instead at a glance:UK stores: Over 250Required Investor net worth: not statedRequired investor liquid cash: not statedMin. investment: £130,000Max. investment: £150,000Standard franchise term: 5 years Can I start a Home Instead franchise? Home Instead say they are seeking franchisees who are driven by a passion to improve the quality of life for seniors and who put their compassion for others first. If this sounds like you and you can meet the average start-up cost as well as demonstrate a set of qualities and skills that include strong salesmanship, a desire to work with aging adults, full-time commitment, and good leadership skills, you could start a Home Instead franchise. The company demands either the franchisee or their designated manager must take the franchise training and be involved in the day-to-day running of the business – which...
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### Owner-occupied commercial mortgages
> Owner-occupied commercial mortgages are designed for business owners looking to buy a commercial property for their trading premises. Read more or apply here.
- Published: 2024-04-26
- Modified: 2024-10-01
- URL: https://swoopfunding.com/uk/commercial-mortgages/owner-occupied-commercial-mortgages/
Owner-occupied commercial mortgages Add a header to begin generating the table of contents Page written by Rachel Wait. Last reviewed on September 25, 2024. Next review due April 6, 2025. Rachel Wait Expert financial copywriter Rachel has been writing about finance and consumer affairs for over a decade, helping people to get to grips with their finances and cut through the jargon. She's written for a range of websites and national newspapers including MoneySuperMarket, Money to the Masses, Forbes UK, and Mail on Sunday. Rachel has covered almost every financial topic, from car insurance and credit cards, to business bank accounts and mortgages. × Rachel Wait Expert financial copywriter Rachel has been writing about finance and consumer affairs for over a decade, helping people to get to grips with their finances and cut through the jargon. She's written for a range of websites and national newspapers including MoneySuperMarket, Money to the Masses, Forbes UK, and Mail on Sunday. Rachel has covered almost every financial topic, from car insurance and credit cards, to business bank accounts and mortgages. Twitter Linkedin Owner-occupied commercial mortgages are designed for business owners looking to buy a commercial property for their trading premises. Read on to find out how owner-occupied commercial mortgages work, the pros and cons of owner-occupied mortgages, and how to apply for one. Add a header to begin generating the table of contents What is an owner-occupied commercial mortgage? An owner-occupied commercial mortgage is a type of commercial mortgage that’s used to buy...
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### Semi-commercial mortgages
> If you’re buying a property comprising both residential and commercial space, you’re likely to need a semi-commercial mortgage. Read more or apply here.
- Published: 2024-04-25
- Modified: 2024-09-25
- URL: https://swoopfunding.com/uk/commercial-mortgages/semi-commercial-mortgages/
Semi-commercial mortgages Add a header to begin generating the table of contents Page written by Rachel Wait. Last reviewed on September 25, 2024. Next review due April 6, 2025. Rachel Wait Expert financial copywriter Rachel has been writing about finance and consumer affairs for over a decade, helping people to get to grips with their finances and cut through the jargon. She's written for a range of websites and national newspapers including MoneySuperMarket, Money to the Masses, Forbes UK, and Mail on Sunday. Rachel has covered almost every financial topic, from car insurance and credit cards, to business bank accounts and mortgages. × Rachel Wait Expert financial copywriter Rachel has been writing about finance and consumer affairs for over a decade, helping people to get to grips with their finances and cut through the jargon. She's written for a range of websites and national newspapers including MoneySuperMarket, Money to the Masses, Forbes UK, and Mail on Sunday. Rachel has covered almost every financial topic, from car insurance and credit cards, to business bank accounts and mortgages. Twitter Linkedin If you’re buying a property comprising both residential and commercial space, you’re likely to need a semi-commercial mortgage. Here we explain how this type of mortgage works, who needs one, and how much you can typically borrow. Add a header to begin generating the table of contents What are semi-commercial mortgages? A semi-commercial mortgage, or mixed-use mortgage, is a loan designed for purchasing or remortgaging a property that’s considered mixed-use. This means...
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### Snap-on Tools
> Snap-on tools is a tools manufacturer and distributor, selling tools and diagnostic equipment to automotive dealers, and more. Read more here.
- Published: 2024-04-23
- Modified: 2024-09-29
- URL: https://swoopfunding.com/uk/business-loans/franchise-finance/snap-on-tools/
Snap-on Tools franchise Hassle-free business loans to start your Snap-on tools franchise. Get started Snap-on Tools is a tools manufacturer and distributor, selling professional tools and diagnostic equipment to automotive dealers, garages and workshops as well as farm and industrial businesses, boat yards, and marine and aviation specialists. Snap-on Tools franchisees operate from branded mobile stores, selling products to customers on an exclusive call list. Snap-on Tools business details With headquarters in Kenosha, Wisconsin, Snap-on Tools have been manufacturing and distributing tools for professional use since 1920 and offering franchise opportunities since 1991. A globally recognised brand, Snap-on is known for their high-quality, precision-made products. The company currently operates in over 130 countries, employs +13,000 associates, and has +4,700 franchises worldwide. Snap-on tools at a GlanceUK stores: 400Required Investor net worth: +£44,000Required investor liquid cash: +£44,000Min. investment: £15,000 + working capitalMax. investment: £500,000Standard franchise term: 10 years Can I start a Snap-on Tools franchise? As well as minimum net worth and available cash of at £44,000 each, you must be prepared to pay at least £15,000 to get into a Snap-on Tools franchise. Like other companies in this sector, Snap-on accepts franchisees who have no previous experience of the tools industry. However, this is not a ‘hands off’ or part-time opportunity. Snap-on expects all their franchisees to be actively engaged with running the business and interacting with customers on a daily basis. How much does a Snap-on Tools franchise cost? Starting a Snap-on Tools franchise is not something you can...
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### Wendy's
> Famous for their unique, square-shaped hamburger patties, Wendy’s are a giant in the global fast food industry. Read all about the franchise here.
- Published: 2024-04-23
- Modified: 2024-09-29
- URL: https://swoopfunding.com/uk/business-loans/franchise-finance/wendys/
Wendy’s franchise Hassle-free business loans to start your Wendy’s franchise. Get started Famous for their unique, square-shaped hamburger patties, Wendy’s are a giant in the global fast food industry. On a mission to deliver a more homely dining experience than their major competitors, the company has been selling old-fashioned burgers, chicken sandwiches, salads, shakes and fries to delighted diners for more than 50 years. Wendy's business details Offering franchise opportunities since 1972, Wendy’s was launched in 1969 in Columbus, Ohio. The founder, Dave Thomas named the business after his daughter Melinda – nicknamed Wendy. Today, the company is based in Dublin, Ohio and they are one of the ‘big three’ burger chains, alongside McDonald’s and Burger King. The business operates in more than 30 countries, and they have over 7,000 restaurants spread across the globe. Wendy's restaurant at a glance:UK stores: More than 40Required Investor net worth: £6,000,000Required investor liquid cash: £3,000,000Min. investment: £320,000Max. investment: £4,600,000Standard franchise term: 20 years Can I start a Wendy’s franchise? You can if you have very deep pockets. Never mind the minimum net worth and available cash requirements, which run to £3million and £6million respectively, you may face start-up costs of more than nine million pounds. Additionally, Wendy’s are quite picky on who they sell their franchises to. They prefer high net worth individuals (obviously) who have previous experience in the food and beverage hospitality industry. Is this you? How much does a Wendy’s franchise cost? Wendy’s is a global brand, with annual sales...
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### UPS store
> UPS is a franchised parcel delivery company, providing packaging, courier, photocopying and other services to individuals and organisations. Read all here.
- Published: 2024-04-23
- Modified: 2024-09-29
- URL: https://swoopfunding.com/uk/business-loans/franchise-finance/ups-store/
UPS store franchise Hassle-free business loans to start your UPS store franchise. Get started UPS is a franchised parcel delivery and business services company, providing packaging, courier, photocopying and host of other services to individuals and organisations. Operating in more than 75 countries across the globe, their stated aim is to aid and empower small business owners within their local community. UPS business details UPS is based in San Diego, California and they’ve been offering franchise opportunities since they first began in 1980. Instantly recognisable by their big brown trucks that operate across the UK, the company succeeds by providing a fast and convenient alternative to traditional postal services. Ranked as the #1 franchise in delivery and business services 34 years in a row, they currently have over 5,000 franchised stores in worldwide. UPS store at a glance:Stores: More than 5,000Required Investor net worth: £150,000Required investor liquid cash: £75,000Min. investment: £220,000Max. investment: £500,000Standard franchise term: 10 years Can I start a UPS franchise? You can if you can meet the minimum net worth and liquid cash requirements of £150,000 and £75,000 respectively. You must also be able to carry a median start-up cost of more than £350k. The good news is that UPS allows investors to operate their franchise as a passive investment – appointing or hiring a ‘primary operator’ to take care of the daily running of the business. How much does a UPS store franchise cost? The initial investment costs to start a UPS store franchise range from...
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### Re/Max
> Re/Max are an international real estate brokerage franchisor providing branding and business support to real estate brokerages. Learn more here.
- Published: 2024-04-22
- Modified: 2024-09-29
- URL: https://swoopfunding.com/uk/business-loans/franchise-finance/re-max-franchise/
Re/Max franchise Hassle-free business loans to start your Re/Max franchise. Get started Re/Max are an international real estate brokerage franchisor. They provide branding and business support to individually owned real estate brokerages in the UK and worldwide. Operating a high transactions/high commissions business model, the company says their success is built on supporting and encouraging entrepreneurs who desire the freedom to carve their own path, their own way. Re/Max business details Founded in Denver in 1973 and franchising since 1975, Re/Max are headquartered in Denver, Colorado. The company claims to sell more residential real estate than any other brokerage in the world. The company has more than 135,000 agents in 110 countries across the globe. Re/Max at a glance:UK offices: More than 45Required Investor net worth: not statedRequired investor liquid cash: Not statedMin. investment: £20,000Max. investment: £240,000Standard franchise term: 5 years Can I start a Re/Max franchise? You don’t need deep pockets to start a Re/Max franchise, nor do you need high net worth and a bucket load of liquid cash. However, you do need a valid real estate license for the state where you intend to operate. This makes Re/Max franchises suitable for established agents who wish to go out on their own or small independent brokerages who wish to scale up but lack the network capacity to do so. Note that you cannot run this franchise as a ‘hands off’ business or on a part-time basis. Re/Max demands that franchisees are actively engaged in day to day operations...
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### Pirtek
> Pirtek is a B2B franchise operator, providing industrial and hydraulic hose services to organisations across the UK. Secure your funding today.
- Published: 2024-04-22
- Modified: 2024-09-29
- URL: https://swoopfunding.com/uk/business-loans/franchise-finance/pirtek-franchise/
Pirtek franchise Hassle-free business loans to start your Pirtek franchise. Get started Pirtek is a B2B franchise operator, providing industrial and hydraulic hose services to organisations across the UK and beyond. One of the very few industrial businesses offering franchise opportunities, they say their goal is to succeed as the globe’s top hydraulic and industrial hose service business - and they’re looking for like-minded entrepreneurs to help get them there. Pirtek business details Launched in Australia in 1979, Pirtek has been offering franchises since 1986. With headquarters in Rockledge, Florida, the company claims to be the world leader in industrial and hydraulic hose services. Providing support to manufacturing, marine, transport, construction and waste and recycling businesses, they operate in 24 countries and have over 500 locations and more than +1500 mobile service vehicles worldwide. Pirtek at a glance:UK stores: 86Required Investor net worth: £750,000Required investor liquid cash: £500,000Min. investment: £70,000Max. investment: £500,000Standard franchise term: 10 years Can I start a Pirtek franchise? You’ll need a net worth of £750,000 and £500,000 in available cash to qualify. Expect to spend up to £500,000 to get started. Additionally, although the company says you don’t need prior experience in this field, or even need to be technically savvy, you can’t run this franchise as a ‘hands off’ business if you’re going in alone. Pirtek demands that individuals directly manage and supervise their business on a daily basis. However, if you’re buying into Pirtek as a corporation, you can designate a key individual to...
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### McDonald's
> McDonald’s are the fast food chain that started it all and are one of the most successful restaurant businesses in the world. Get your funding with Swoop.
- Published: 2024-04-22
- Modified: 2024-09-29
- URL: https://swoopfunding.com/uk/business-loans/franchise-finance/mcdonalds-franchise/
McDonald’s franchise Hassle-free business loans to start your McDonald’s franchise. Get started The big daddy of the franchise world, McDonald’s are the fast food chain that started it all and are one of the most successful restaurant businesses in the world. With an almost saturation presence on main streets and highways across the UK, it’s hard to go wrong with a McDonald’s franchise in your pocket – as long as those pockets run deep. Expect to pay anywhere from £1. 3 to £2. 4 million or more to get your new burger business cooking. McDonald’s business details Launched in 1940 in San Bernadino, California, the McDonald’s Corporation is now headquartered in Chicago, Illinois and has offered franchises since 1955. Famous for pioneering the fast food concept with their mission of ‘order to delivery in three minutes or less’, McDonald’s has more than 39,000 restaurants globally and sells more than 2. 3 billion burgers every year. McDonald’s Restaurants at a glance:UK stores: Approximately 1300Required Investor net worth: £500,000Required investor liquid cash: £150,000Min. investment: £1,300,000Max. investment: +£2,400,000Standard franchise term: 10 years Can I start a McDonald’s franchise? You can if you have at least half a million pounds in liquid cash and the same again in net worth. The company also expects you to have at least 25% to 40% of the initial start-up costs in unborrowed funds. The most common way to acquire a McDonald’s is to buy an existing business, although the company will also allow new locations based on...
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### Commercial investment mortgages
> A commercial investment mortgage is a loan designed for buying or refinancing a commercial property for investment purposes. Read more or apply here.
- Published: 2024-04-19
- Modified: 2024-09-25
- URL: https://swoopfunding.com/uk/commercial-mortgages/investment-mortgage/
Commercial investment mortgages Add a header to begin generating the table of contents Page written by Rachel Wait. Last reviewed on September 25, 2024. Next review due April 6, 2025. Rachel Wait Expert financial copywriter Rachel has been writing about finance and consumer affairs for over a decade, helping people to get to grips with their finances and cut through the jargon. She's written for a range of websites and national newspapers including MoneySuperMarket, Money to the Masses, Forbes UK, and Mail on Sunday. Rachel has covered almost every financial topic, from car insurance and credit cards, to business bank accounts and mortgages. × Rachel Wait Expert financial copywriter Rachel has been writing about finance and consumer affairs for over a decade, helping people to get to grips with their finances and cut through the jargon. She's written for a range of websites and national newspapers including MoneySuperMarket, Money to the Masses, Forbes UK, and Mail on Sunday. Rachel has covered almost every financial topic, from car insurance and credit cards, to business bank accounts and mortgages. Twitter Linkedin If you want to buy a commercial property to rent out to others, you’ll likely need a commercial investment mortgage. This guide explains how this type of mortgage works and what to consider before applying. Add a header to begin generating the table of contents What is a commercial investment mortgage? A commercial investment mortgage is a loan designed for buying or refinancing a commercial property for investment purposes – for...
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### Century 21
> Century 21 is an international real estate franchise operator. Read more about century 21 franchise costs, process & secure your funding today.
- Published: 2024-04-18
- Modified: 2024-09-26
- URL: https://swoopfunding.com/uk/business-loans/franchise-finance/century-21/
Century 21 franchise Hassle-free business loans to start your Century 21 franchise. Get started Century 21 is an international real estate franchise operator. They provide branding and business support to individually owned real estate brokerages across the globe. Claiming to have more brand awareness than any real estate label, Century 21 say their mission is to reinvent the industry by capturing the hearts and minds of those who are buying, selling and working in real estate today. Century 21 business details Established in 1971, and offering franchise opportunities since 1972, Century 21’s head office is located in Madison, New Jersey. They are the largest real estate franchisors in the world and are part of a group of real estate agencies that includes Coldwell Banker, Sotheby’s International and Better Homes and Garden Real Estate. Currently, Century 21 has over 12,000 franchised offices worldwide and operates in 86 countries. Century 21 at a glance:Offices: More than 12,000Required Investor net worth: £150,000Required investor liquid cash: £75,000Min. investment: £25,000Max. investment: £450,000Standard franchise term: 10 years Can I start a Century 21 franchise? Century 21 states that they are seeking franchisees who are keen go-getters, determined to defy mediocrity and deliver extraordinary experiences in the real estate industry. If this is you, and you have a net worth of at least £150,000, and liquid assets of more than £75,000, this opportunity may be of interest. However, for those seeking a passive investment, take note that a Century 21 franchise cannot be operated as a remote...
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### Swoop for Advisors playbook
> Swoop will work with you to discover the right funding solutions across debt, equity & grants, and easily make savings. View the playbook here.
- Published: 2024-04-15
- Modified: 2025-04-29
- URL: https://swoopfunding.com/advisors/playbook/
Swoop for Advsiors funding playbook Read our 5 steps to building your funding advisory service here Download the guide By partnering with Swoop you’ll have Simple and fast access to funding and savings for your clients Access to finance opportunities across the market Tracking of your clients’ progress via our online portal A team of experts to manage you and your clients’ applications from beginning to end Ability to easily present your client with relevant matches Access to a CPD-accredited education platform to help you spot opportunities in the funding landscape Reviews /* widget:Testimonials */ . testimony{ margin:0; } . testimony . owl-theme . owl-dots . owl-dot. active span{ background:#1B6798; } . testimony . owl-theme . owl-dots . owl-dot:hover span{ background:#1B6798; } . testimony{ content-visibility:auto; contain-intrinsic-size:445px; } . testimony . inner-testimony . read-mores{ margin-left:15px; } . testimony . inner-testimony . icon{ color:#eee; } . testimony . inner-testimony . icon-quotation-left{ position:relative; top:-28px; left:0; } . testimony . inner-testimony . icon-quotation-right{ position:relative; bottom:-28px; right:-8px; } . testimony . inner-testimony p{ margin:0; color:#003e52; } . testimony . inner-testimony . testimony_description{ padding:40px 0; } . testimony . inner-testimony . desc_testimony{ font-size:24px; } . testimony . inner-testimony . author_testimony{ font-size:18px; margin-top:20px; } . testimony . inner-testimony . role_testimony{ font-size:18px; } . testimony . owl-theme . owl-nav . owl-prev{ position:absolute; left:0; margin:-18px 0; top:50%; } . testimony . owl-theme . owl-nav . owl-next{ position:absolute; right:0; margin:-18px 0; top:50%; } @media (max-width:992px){ . testimony . inner-testimony{ padding:40px 40px; } . testimony . inner-testimony . testimony_description{ padding:0; }...
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### Solar equipment financing for businesses
> Solar equipment financing refers to specialist business loans and leases that help organisations buy or rent the commercial solar equipment they need.
- Published: 2024-04-05
- Modified: 2024-12-04
- URL: https://swoopfunding.com/uk/business-loans/asset-finance/solar-equipment-financing-for-businesses/
Solar equipment financing for businesses How much finance do you need? Asset value £ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 1, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Businesses that install solar equipment to provide their energy needs can benefit from cheap, green energy and major tax benefits as well as doing good for the environment. However, commercial solar energy systems are not cheap, typically costing more than £50,000 to buy and install. For this reason, many businesses choose to finance their solar investment – reducing strain on working capital by paying for the equipment over time instead of all at once. Add a header to begin generating the table of contents What is solar equipment financing?...
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### Manufacturing equipment financing
> Manufacturing financing can be used to buy machinery for manufacturing businesses, or to borrow against the value of equipment they already own. Read more here.
- Published: 2024-04-05
- Modified: 2024-12-04
- URL: https://swoopfunding.com/uk/business-loans/asset-finance/manufacturing-equipment-financing/
Manufacturing equipment financing How much finance do you need? Asset value £ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 1, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Buying big-ticket manufacturing equipment such as conveyors, assemblers, ovens, presses, and packing systems can put a major dent in working capital. Instead, most UK manufacturers opt for equipment financing, using business loans and equipment leases to get the machinery they need without struggling to pay with cash. Add a header to begin generating the table of contents What is manufacturing financing? Manufacturing financing is a type of lending that can be used to buy equipment and machinery for manufacturing businesses, or to borrow against the value of equipment that manufacturers already...
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### EPOS system
> EPOS is a computerised point of sale system that includes devices such as scanners, barcode readers and touchscreens. Learn more about how it works with Swoop.
- Published: 2024-04-05
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-loans/asset-finance/epos-system/
EPOS system finance How much finance do you need? Asset value £ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 2, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Today’s retail landscape is more complex and competitive than ever. Retail businesses must be prepared to make sales anywhere at any time, stay on top of fast-moving inventory systems and maintain meaningful customer data. An EPOS system can deliver all these needs and more – replacing the traditional cash register with ‘real-time’ payment processing, accurate inventory control, incisive customer reporting, powerful employee performance data and a host of other features that support business growth. Add a header to begin generating the table of contents What is an EPOS system? EPOS stands...
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### Dental equipment financing
> Dental equipment financing refers to specialist business loans that help UK dental businesses obtain the equipment they need. Learn more with Swoop.
- Published: 2024-04-04
- Modified: 2024-12-04
- URL: https://swoopfunding.com/uk/business-loans/asset-finance/dental-equipment-financing/
Dental equipment financing How much finance do you need? Asset value £ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 2, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Dental care is a huge industry in the UK, covering everything from general oral care and restorative dentistry, to prosthodontics, cosmetic dentistry and more. Dentists utilise a vast array of equipment to deliver their services, and these machines, tools and technologies are often highly complex and need constant updating. Because this equipment can be expensive, most dental providers choose to buy or lease the machines and tools they need using equipment finance. This reduces strain on cashflow, provides practitioners with the latest devices, and helps to continually improve the efficiency and...
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### Bobcat financing
> Bobcats are the versatile machines of choice for many UK businesses and these vehicles can come in all shapes and sizes. Read more with Swoop.
- Published: 2024-04-04
- Modified: 2024-12-04
- URL: https://swoopfunding.com/uk/business-loans/asset-finance/bobcat-financing/
Bobcat financing How much finance do you need? Asset value £ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 2, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. In construction, land management, forestry, farming, landscaping and many other heavy-duty industries, getting the job done right and on time is often reliant on the quality of your machinery and equipment. Bobcats are the versatile, go-anywhere, work-anytime machines of choice for many UK businesses and these vehicles can come in all shapes and sizes, with price tags to match – typically ranging from £20,000 to well over £100,000. With prices like this, it’s clear that buying a new or used bobcat for cash can put a serious dent in your working capital...
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### Boat financing
> Boat loans function like auto loans – you borrow all or some of the cost of the boat you’re buying and then you pay the principal back with interest over time.
- Published: 2024-04-04
- Modified: 2024-12-04
- URL: https://swoopfunding.com/uk/business-loans/asset-finance/boat-financing/
Boat finance How much finance do you need? Asset value £ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 25, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Although millions of UK businesses own cars, trucks and vans for commercial use, many organisations also need boats to provide the goods and services they sell. Commercial water craft can be used for fishing, mining, haulage, passenger and vehicle transport, leisure activities and many other functions. Depending on the age, type and size of craft, boats for commercial use can cost anywhere from the tens of thousands up to the millions of dollars – which is why business (and private) boat owners will typically use boat financing to buy the craft they...
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### Bakery equipment financing
> Bakery equipment financing and leasing refers to specialist business loans that help organisations buy the bakery equipment they need. Learn more with Swoop.
- Published: 2024-04-04
- Modified: 2024-12-04
- URL: https://swoopfunding.com/uk/business-loans/asset-finance/bakery-equipment-financing/
Bakery equipment financing How much finance do you need? Asset value £ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 2, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. No matter if you’re making fancy wedding cakes, artisan bread or thousands of sliced loaves, you need bakery equipment to get the job done right. However, when a commercial oven can cost anywhere up to £10,000, equipping a bakery business to perform at its best can require a lot of dough. Fortunately, there’s an alternative: Bakery equipment financing is designed to reduce the financial strain of equipping bakeries with machinery and tools. Keep your working capital for other needs. Buy or lease your new equipment over time instead of paying all...
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### Audio visual equipment financing
> Audio visual equipment includes devices that deliver a visual or sound effect to your audience. Learn what is it and how to get financed with Swoop.
- Published: 2024-04-04
- Modified: 2024-12-04
- URL: https://swoopfunding.com/uk/business-loans/asset-finance/audio-visual-financing/
Audio visual equipment financing How much finance do you need? Asset value £ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 2, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Big screens, big sounds. Audio visual (AV) equipment puts you in the picture and tells you what you need to know. Movie houses, theaters, sports events, conferences and almost every other type of event or venue need AV equipment to impress their audience. However, this kind of tech does not come cheap. Even a small show may need equipment worth many thousands of dollars to deliver the effects that organisers need. Buying big-ticket AV equipment with cash can put a serious dent in your bank balance. That’s why AV companies,...
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### Aircraft financing
> Aircraft financing is lending that can be used to buy private aircraft, or to borrow against the value of an aircraft that you own. Learn more with Swoop.
- Published: 2024-04-03
- Modified: 2024-12-04
- URL: https://swoopfunding.com/uk/business-loans/asset-finance/aircraft-financing/
Aircraft financing How much finance do you need? Asset value £ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 25, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Purchasing aeroplanes and helicopters for corporate use with cash can put a serious dent in any organisation’s liquidity and seldom makes good financial sense. Instead, most aeroplane buyers use aircraft financing – special business loans for the purchase of aeroplanes – to reduce financial headwinds. Get a better plane than you could buy with cash. Spread the cost over time. Keep more money in your bank. Aircraft financing can put you miles ahead. Add a header to begin generating the table of contents What is aircraft financing? Aircraft financing is a type...
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### Revenue based financing
> Revenue-based financing, also known as ‘royalty financing’, uses the value of an organization’s gross sales or profits to raise capital from lenders & investors
- Published: 2024-03-21
- Modified: 2024-10-01
- URL: https://swoopfunding.com/uk/business-loans/revenue-based-financing/
Revenue-based financing Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 25, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Your business may be generating good revenues, but if your credit score is weak or your trading history is short, you may find it tough to get a standard business loan. Revenue-based financing could be your solution to this problem. Use the value of your annual or monthly revenues to get the funds you need, then simply pay the loan...
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### Price per square foot calculator
> Our price per square foot calculator helps you determine the cost of a property, or a space, based on its size, whether you are renting, leasing or buying.
- Published: 2024-03-20
- Modified: 2025-05-15
- URL: https://swoopfunding.com/uk/business-loan-calculator/price-per-square-foot-calculator/
Price per square foot calculator Our price per square foot calculator helps you determine the cost of a property, or a space, based on its size, whether you are renting, leasing or buying. Page written by Ian Hawkins. Last reviewed on June 21, 2024. Next review due April 6, 2026. Ian Hawkins Head of Content Ian Hawkins is Head of Content at Swoop. As a freelance business journalist and filmmaker he has reported from Europe, Central and North America and Africa. His films and writing have appeared on BBC World, Reuters and CBS, and he has spoken at conferences on both sides of the Atlantic on subjects including data, cyber security, and entrepreneurialism. Calculation for? Purchase Lease Rental Area measurement sq feet (ft²) Purchase price £ . 00 Price per square foot £ . 00 Monthly rent £ . 00 This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan. Your results Purchase price per square foot £0 Monthly lease price £0 Yearly lease price £0 Monthly rent per square foot £0 Yearly rent per square foot £0 Get a quote How to calculate price per square foot To calculate the price per square foot, you need to know the total cost and the total square footage. Then, you divide the total cost by the total square footage. Here's the formula:Price per square foot = Total cost ÷ Total square footageFor example, if the total cost is...
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### Internal rate of return calculator
> Our Internal Rate of Return (IRR) calculator helps you determine the profitability of investments or projects. Use it for free here to calculate your IRR.
- Published: 2024-03-19
- Modified: 2025-05-15
- URL: https://swoopfunding.com/uk/business-loan-calculator/internal-rate-of-return-calculator/
Internal rate of return calculator Our Internal Rate of Return (IRR) calculator helps you determine the profitability of investments or projects. Page written by Ian Hawkins. Last reviewed on May 15, 2025. Next review due April 6, 2026. Ian Hawkins Head of Content Ian Hawkins is Head of Content at Swoop. As a freelance business journalist and filmmaker he has reported from Europe, Central and North America and Africa. His films and writing have appeared on BBC World, Reuters and CBS, and he has spoken at conferences on both sides of the Atlantic on subjects including data, cyber security, and entrepreneurialism. General Multiple Initial investment Investment return (including initial) Time period 0 years 1 year 2 years 3 years 4 years 5 years 6 years 7 years 8 years 9 years 10 years 11 years 12 years 13 years 14 years 15 years 16 years 17 years 18 years 19 years 20 years 21 years 22 years 23 years 24 years 25 years months 0 months 1 month 2 months 3 months 4 months 5 months 6 months 7 months 8 months 9 months 10 months 11 months 12 months Return multiple 1. 4x Time period 0 years 1 year 2 years 3 years 4 years 5 years 6 years 7 years 8 years 9 years 10 years 11 years 12 years 13 years 14 years 15 years 16 years 17 years 18 years 19 years 20 years 21 years 22 years 23 years 24 years 25 years months 0...
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### Term loans
> Term loans can be fast and simple to get and may let you pay the money back over many years. Find out more, and apply with Swoop.
- Published: 2024-03-18
- Modified: 2024-10-01
- URL: https://swoopfunding.com/uk/business-loans/term-loans/
Term loans Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 25, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Term loans for businesses can be fast and simple to obtain and may let you pay the money back over many years. Often available with borrowing costs that are cheaper than other types of business finance, term loans can also be used for almost any purpose. No wonder they’re UK’s most common type of business loan. Add a header to...
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### Compound annual growth rate calculator
> Our compound annual growth rate (CAGR) calculator helps you measure an investment's annual growth rate over a specified period. Use it for free here.
- Published: 2024-03-15
- Modified: 2025-05-14
- URL: https://swoopfunding.com/uk/business-loan-calculator/compound-annual-growth-rate-calculator/
Compound annual growth rate calculator Our compound annual growth rate (CAGR) calculator helps you measure an investment's annual growth rate over a specified period. Page written by Ian Hawkins. Last reviewed on June 21, 2024. Next review due April 6, 2026. Ian Hawkins Head of Content Ian Hawkins is Head of Content at Swoop. As a freelance business journalist and filmmaker he has reported from Europe, Central and North America and Africa. His films and writing have appeared on BBC World, Reuters and CBS, and he has spoken at conferences on both sides of the Atlantic on subjects including data, cyber security, and entrepreneurialism. Initial value £ . 00 Final value Duration of investment 5 years This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan. Your results Compound annual growth rate 0% Get a quote What is CAGR? CAGR, or Compound Annual Growth Rate, is a measure used to calculate the annual growth rate of an investment over a specified period, assuming the investment has grown at a steady rate each year. It provides a smoothed annual growth rate, taking into account the effect of compounding. How to calculate CAGR To calculate the compound annual growth rate (CAGR), follow these steps:Find the beginning and ending values: Determine the initial value of your investment or asset (beginning value) and its final value (ending value) after a specific period. Calculate the total return: Subtract the beginning value from...
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### Refinance calculator
> Our loan refinance calculator helps you estimate the potential savings and costs associated with refinancing your existing loan. Use it free here.
- Published: 2024-03-14
- Modified: 2025-05-15
- URL: https://swoopfunding.com/uk/business-loan-calculator/refinance-calculator/
Refinance calculator Our loan refinance calculator helps you estimate the potential savings and costs associated with refinancing your existing loan. Current loan Remaining balance £ . 00 New loan New loan term 20 years Interest rate 5% This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan. Your results Principal/loan amount £0 Monthly payment £0 Length 0 months Total monthly payments £0 Total interest £0 Borrow £ How to calculate loan refinance costs Calculating loan refinance costs involves several factors:Application Fees: Some lenders charge an application or origination fee when you apply for a new loan. This fee can vary widely depending on the lender and the type of loan. Closing Costs: Similar to when you initially obtained your business loan, refinancing typically involves closing costs. These may include fees for appraisal, title search, attorney services, and other administrative expenses. Prepayment Penalties: Check if your current loan carries any prepayment penalties for paying off the loan early. If so, factor in these costs when calculating the total cost of refinancing. Interest Rate: The new interest rate on your refinanced loan will determine your monthly payments and the total interest you'll pay over the life of the loan. A lower interest rate can lead to significant savings over time. Loan Term: Consider whether you're extending or shortening the term of your loan. While a shorter term can save you money on interest in the long run, it may...
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### Pitch deck builder
- Published: 2024-02-16
- Modified: 2024-10-01
- URL: https://swoopfunding.com/uk/equity-financing/pitch-deck-builder/
Get 10% off the pitch deck builder with code SWOOP10 GET STARTED Automated pitch decks in just 3 hours Utilising AI to help ensure your pitch deck ticks the right boxes to win the investment your business deserves. Get started We foster growth by bridging the gap between startups and investors Simple and easy to use Your pitch deck on autopilot. Powerful AI and design tools allow you to create a knock-out pitch deck in hours, not weeks. Put together with the help of an easy step-by-step guide. Always editable and you'll only pay a one-off cost of £99 (including VAT). Get 10% off the pitch deck builder with code SWOOP10 Get started https://swoopfunding. com/wp-content/uploads/2024/02/Swoop-Loom-finished-pt4. mp4 Effortlessly beautiful slides With space for imagery and charts to support your points, Swoop's pitch deck builder will take you through this process faster than you ever thought possible. By focusing on the most crucial aspects and presenting them cohesively, your pitch deck can captivate your audience and generate interest in your venture. Get started Valuable feedback included Our pitch deck builder not only crafts compelling presentations but also streamlines the export process. With a click, you’ll have a polished deck ready for investors. Plus, our built-in AI will creative an executive summary with easy and ensure a concise overview. And guess what? When the pitch deck is created, our expert team will provide you with valuable feedback. Get started A ready-to-use and fully editable pitch deck Our pitch deck combines elegant slides with...
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### No collateral business loans
> Lenders often require collateral when small businesses apply for a loan. But what do you do if you don’t have any collateral? Find out here and apply today.
- Published: 2024-02-13
- Modified: 2025-03-24
- URL: https://swoopfunding.com/uk/business-loans/no-collateral-business-loans/
No collateral business loans Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on February 13, 2024. Next review due April 6, 2026. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Lenders often demand collateral when small businesses apply for a business loan. But what do you do if you don’t have sufficient collateral, or you don’t want to give a personal guarantee? No collateral business loans are designed to give small businesses the funds they need without signing over their key assets. Read on to learn more about no-collateral business loans, how they work and what you need to get one. Add a header to begin generating the table of contents What is a no-collateral business loan? A no-collateral business loan, (also known as an ‘unsecured loan’), is exactly what it sounds like – you borrow money and provide no assets as security to the lender. This means the lender carries more risk, because if you default, they have no easy way to get their money back. In reality, it’s...
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### Vending machine financing
> Modern vending machines can cost anywhere from £3,000 to £5,000 per unit depending on their features. Save your working capital and finance today.
- Published: 2024-02-12
- Modified: 2024-12-04
- URL: https://swoopfunding.com/uk/business-loans/asset-finance/vending-machine-finance/
Vending machine financing How much finance do you need? Asset value £ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 1, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Vending machines are the stores that never close. Open 24/7 for the sale of food, drinks, candy, toys, and more, they’re a fast and convenient way to buy the things we need. No wonder the UK vending machine market was worth more than USD 51billion in 2022 and around 7 billion items are bought from vending machines every year. However, modern vending machines can cost anywhere from £3,000 to £5,000 per unit depending on how many bells and whistles they carry. This is enough to put a major dent in any...
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### Tractor trailer financing
> It doesn’t matter if you’re a small or large business, it rarely makes sense to pay for expensive commercial vehicles with cash. Get funding here.
- Published: 2024-02-12
- Modified: 2024-12-04
- URL: https://swoopfunding.com/uk/business-loans/asset-finance/tractor-trailer-finance/
Tractor-trailer financing How much finance do you need? Asset value £ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 1, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. It doesn’t matter if you’re an owner-operator, a small fleet owner, or a large fleet organisation, it rarely makes sense to pay for expensive commercial vehicles with cash. Instead, tractor-trailer finance lets you pay for the truck as you use the truck and gives you better control of your working capital. Expand your trucking business without hurting cash flow. Add a header to begin generating the table of contents What is tractor-trailer finance Tractor-trailer finance– also known as equipment financing – is a special type of business loan used to support the...
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### Tractor financing
> Tractor financing is a type of business loan used to support the purchase of new or used tractors. Read our comprehensive guide here.
- Published: 2024-02-12
- Modified: 2024-12-04
- URL: https://swoopfunding.com/uk/business-loans/asset-finance/tractor-finance/
Tractor financing How much finance do you need? Asset value £ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 1, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Tractor financing – also known as equipment financing – is a type of business loan used to support the purchase of new or used tractors. This type of financing lets you use the equipment as you pay for the equipment. Buy one or more tractors without putting strain on cash flow. There are two types of tractor financing:Finance (also known as a tractor loan)Tractor finance is a straightforward business loan. You make a down payment on the tractor and then pay off the balance of the purchase price, plus interest, with regular...
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### Forklift financing
> Forklifts are key equipment for all types of organisation, but with prices ranging from £15,000 - £50,000, they don’t come cheap. Apply for finance here.
- Published: 2024-02-12
- Modified: 2024-12-04
- URL: https://swoopfunding.com/uk/business-loans/asset-finance/forklift-finance/
Forklift Financing How much finance do you need? Asset value £ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 2, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Forklifts are essential business equipment for all types of organisation, but with sticker prices ranging from £15,000 to £50,000, they don’t come cheap. Paying this kind of cost using working capital is not only financially inefficient, it can also be prohibitive. However, there’s an answer to this problem: Forklift financing. Pay for the equipment as you use the equipment. Give your organisation the machinery it needs without hurting cash flow. Add a header to begin generating the table of contents What is forklift financing? Forklift financing – also known as equipment financing...
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### R&D advance funding
- Published: 2024-02-09
- Modified: 2024-04-27
- URL: https://swoopfunding.com/uk/rd-tax-credits/advance-funding/
R&D tax relief advance funding Received an R&D tax credit? Dont wait for HMRC - get paid sooner with Swoop Get started 80% of future credits Interest rates capped at 15% No waiting for HMRC Easy & hassle-free funds Has your business been awarded an R&D tax credit? Well done! However, you'll now need to wait for HMRC to pay out (they're notoriously slow). That's where Swoop comes in - our R&D advance funding experts can help you get the funds faster. Working to understand your claim and your business, you could 80% of your future R&D relief amount up to 12 months faster than if you wait for HMRC. Imagine what you could do with that cash, months sooner than usual? Improve your working capital and reduce the strain on cash flow - you could even reinvest in R&D and increase your claim amount! What can I use my R&D advance for? Use your advanced funding for any legitimate business use, including: Improve cash flow Buying equipment Marketing Helping with payroll Growing your business Reinvest in R&D projects Get started How it works Register your business with Swoop We'll get to know your business and R&D projects. We might even be able to get you a bigger payout if you reinvest in R&D. Get matched with the most suitable provider We'll match you with all suitable R&D advance funding lenders. Get funded"> If you're eligible, we'll get your advance into your account months faster than HMRC. Get started Related...
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### Excavator financing
> Excavators can be some of the most flexible heavy machinery you can get, but they come at a cost. Read all about excavator financing or apply here.
- Published: 2024-02-09
- Modified: 2024-12-04
- URL: https://swoopfunding.com/uk/business-loans/asset-finance/excavator-finance/
Excavator financing How much finance do you need? Asset value £ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 29, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Excavators – also known as diggers or mechanical shovels – can be some of the most flexible and useful heavy machinery you can get. Operated by industries as varied as construction, agriculture, forestry and mining, they can be the powerhouse of any business. However, diggers don’t come cheap and paying for this type of heavy machinery with working capital can often be prohibitive. Fortunately, there’s an answer to this problem: Excavator financing. Pay for the equipment as you use the equipment. Give your organisation the machinery it needs without hurting cash flow....
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### Dump truck financing
> Dump trucks can cost from a few thousand pounds up to over £200,000, but as an all-purpose workhorse they’re pretty tough to beat. Get finance here.
- Published: 2024-02-09
- Modified: 2024-12-04
- URL: https://swoopfunding.com/uk/business-loans/asset-finance/dump-truck-finance/
Dump truck financing How much finance do you need? Asset value £ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 2, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Dump trucks can cost from a few thousand pounds up to £180,000 or more, but as an all-purpose workhorse they’re pretty tough to beat. However, paying for this kind of equipment with working capital is financially inefficient and can often be prohibitive. Fortunately, there’s an answer to this problem: Dump truck financing. Pay for the equipment as you use the equipment. Give your organisation the vehicles it needs without hurting cash flow. Add a header to begin generating the table of contents What is dump truck financing? Dump truck financing –...
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### Commercial fleet finance
> Buying new business vehicles like trucks, vans and bulldozers don’t come cheap. Fortunately, commercial fleet finance relieves the strain of these assets.
- Published: 2024-02-08
- Modified: 2024-12-04
- URL: https://swoopfunding.com/uk/business-loans/asset-finance/commercial-fleet-finance/
Commercial fleet finance How much finance do you need? Asset value £ Asset type Name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Thanks for registering. We'll get back to you straight away Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 2, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. New business vehicles don’t come cheap and buying big ticket items like trucks, vans and bulldozers out of working capital can impact business efficiency and often be prohibitive. Fortunately, there’s a solution to this problem: Commercial fleet finance. Give your organisation the vehicles it needs without hurting cash flow. Add a header to begin generating the table of contents What is commercial fleet financing? Commercial fleet financing – also known as equipment financing – is a type of business loan used to support the purchase of one or more vehicles that...
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### COVID-19
- Published: 2024-02-08
- Modified: 2024-06-26
- URL: https://swoopfunding.com/uk/covid-19/
COVID-19 financial support Insight into the support that was available for businesses throughout the pandemic Register today If you missed out on Covid-19 support, get in touch today to see what other options are available Call now The government’s previous COVID-19 support measures Businesses all over the globe were bearing the brunt of the collapse of economic activity following the impact of the coronavirus pandemic. You might be one of the many businesses who were forced to close during the lockdowns, or faced substantially lower turnover. In the Budget on 3 March 2021, Rishi Sunak also pledged another £375 million for the Future Fund – now known as the Future Fund: Breakthrough – to support high-growth sectors such as life science and clean tech. This scheme has now ended. One scheme still running from the Covid-19 support is the Recovery Loan Scheme (RLS). With the latest iteration running until 2024, the RLS offers a government guarantee for small businesses, with the government underwriting 70 per cent of what the lender could lose if a business defaults. There is also no requirement to confirm you were affected by the Covid-19 pandemic. If you are unsure whether this is a suitable source of finance for your business, get in touch to discuss your alternative funding options. We’ve split our COVID-19 guidance into three main sections below. A summary of the government-backed support for businesses impacted by coronavirus See more 10 Swoops’s ten steps to improving your cash flow and working capital immediately...
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### Cash flow calculator
> Our cash flow calculator can be used to estimate the amount of money coming in and going out of a business over a specific period. Use it free here.
- Published: 2024-02-07
- Modified: 2025-05-14
- URL: https://swoopfunding.com/uk/business-loan-calculator/cash-flow-calculator/
Cash flow calculator Our cash flow calculator can be used to estimate the amount of money coming in and going out of a business over a specific period. It typically takes into account income sources, expenses, investments, loans, and other financial transactions to determine the net cash flow. Page written by Ian Hawkins. Last reviewed on June 26, 2024. Next review due April 6, 2026. Ian Hawkins Head of Content Ian Hawkins is Head of Content at Swoop. As a freelance business journalist and filmmaker he has reported from Europe, Central and North America and Africa. His films and writing have appeared on BBC World, Reuters and CBS, and he has spoken at conferences on both sides of the Atlantic on subjects including data, cyber security, and entrepreneurialism. Step 1: fill in cash inflows Total cash at the beginning of period £ . 00 Operations total received from customers £ . 00 Other cash receipts £ . 00 Sales of property £ . 00 Sale of investments £ . 00 Other activity £ . 00 New borrowing £ . 00 Stock issuing £ . 00 Capital contributions £ . 00 Next step Step 2: fill in cash outflows Inventory £ . 00 Insurance £ . 00 Rent and lease £ . 00 Advertising £ . 00 Payroll £ . 00 Other payments £ . 00 Interest paid £ . 00 Capital expenditures £ . 00 Purchases £ . 00 Loan repayments £ . 00 Dividends paid £ . 00 Other...
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### Frequently-asked questions about the COVID-19 government-backed support for businesses
- Published: 2024-01-31
- Modified: 2024-06-13
- URL: https://swoopfunding.com/uk/covid-19/frequently-asked-questions-about-the-covid-19-government-backed-support-for-businesses-new/
Frequently-asked questions about the COVID-19 government-backed support for businesses Call our dedicated COVID-19 finance hotline on 0203 868 0364 between 8am and 6pm, 7 days a week. Call now Our team has been taking an unprecedented number of calls via our COVID-19 hotline from businesses keen to understand how the government is planning to support businesses through this period of disruption caused by the coronavirus. We’ve distilled these phone calls into a list of frequently-asked questions (FAQs). These cover:the Coronavirus Business Interruption Loan Scheme (CBILS)government cash grantsthe Coronavirus Job Retention Schemesupport for businesses which are paying sick pay to employees. FAQs for the Coronavirus Business Interruption Loan Scheme (CBILS) Is the money available now? Yes, but there might be a short lag before the money starts flowing to businesses. Both the CBILS and the Bank of England's measures will bolster the flow of funding from highstreet banks to businesses. There are of course other funding options aside from the CBILS. We can talk you through what's on offer from both the public and private sector, and help you make immediate savings. How can my business access the money? You'd receive money directly from one of the accredited lenders (there are more than 40). These lenders include high-street banks, challenger banks, asset-based lenders and smaller specialist local lenders. Swoop has well-established contacts across all accredited lenders so registering with us will ensure the best match for your business. How does the CBILS work? The government has yet to confirm the final...
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### Self-employed business loans
> Self-employed business loans can provide a vital safety net for freelancers, sole proprietors and independent contractors. Read all you need to know here.
- Published: 2024-01-29
- Modified: 2024-10-01
- URL: https://swoopfunding.com/uk/business-loans/self-employed-loans/
Self-employed business loans Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on July 11, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset What are business loans for self-employed borrowers? Self-employed business loans can provide a vital safety net for freelancers, sole proprietors and independent contractors – covering dips in cash flow, paying unexpected expenses or allowing self-employed entrepreneurs to take their business to the next level and beyond. Use a self-employed business loan to:Support your cash flowBuy equipment, materials and inventoryPay...
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### Payroll loans
> Payroll loans are designed to help you meet your wages bill when your cash flow is weak. Learn all about them here and apply today.
- Published: 2024-01-29
- Modified: 2024-10-01
- URL: https://swoopfunding.com/uk/business-loans/payroll-loans/
Payroll loans Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 1, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset For many small businesses, their employees are their most valuable assets and keeping these workers happy is key to long-term success. Paying staff on time is an essential part of this process. Payroll loans are designed to help you meet your wages bill when your cash flow is weak, seasonal, or erratic. Add a header to begin generating the table...
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### No credit check business loans
> Securing a business loan can be challenging for many organisations, but for business owners with poor credit, it can be very tough. Read more here.
- Published: 2024-01-29
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-loans/no-credit-check-business-loans/
No credit check business loans Add a header to begin generating the table of contents Page written by Rachel Wait. Last reviewed on November 6, 2024. Next review due April 6, 2025. Rachel Wait Expert financial copywriter Rachel has been writing about finance and consumer affairs for over a decade, helping people to get to grips with their finances and cut through the jargon. She's written for a range of websites and national newspapers including MoneySuperMarket, Money to the Masses, Forbes UK, and Mail on Sunday. Rachel has covered almost every financial topic, from car insurance and credit cards, to business bank accounts and mortgages. If your business has poor credit or a limited credit history, it can be challenging to secure a business loan. Lenders will carry out a credit check when you apply for funding, and if they see that your credit score is low, they may be reluctant to let you borrow. However, the good news is that there are still options available to you, as we explain. Add a header to begin generating the table of contents What are no credit check business loans? No credit check business loans are simply loans that don’t require a credit check as part of the application. Unfortunately, in the UK, you won’t be able to apply for a business loan without undergoing some form of credit check. This is because lenders will want to assess how likely you are to repay the loan, and checking your business’ credit history...
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### Seller financing
> Seller financing can be a win/win for both buyers and sellers. Find out all there is to know abut this popular route to buying the business you wanted.
- Published: 2024-01-29
- Modified: 2024-10-01
- URL: https://swoopfunding.com/uk/business-loans/seller-financing/
Seller financing Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on July 22, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Getting a traditional business loan to purchase a business can be tough for would-be buyers who lack a ton of cash or less than stellar credit. Seller financing is one solution to this problem; the business seller acts like a bank and gives the buyer a loan to purchase their business. Seller financing can be a win/win for both buyers...
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### Disclosure
- Published: 2024-01-29
- Modified: 2025-05-13
- URL: https://swoopfunding.com/uk/disclosure/
Disclosure Introduction Our services The purpose of this document is to explain what we do and how we’ll work with you. This covers our services, how we get paid, how we process your data, and what to do if you’d like to make a complaint. It’s important that you read and understand this document. The term ‘Swoop’ (or ‘us’, ‘we’, ‘our’) refers to the owner of the service. Swoop Finance Limited is registered in England and Wales (company number 11163382) and has its Registered Office at The Stable Yard Vicarage Road, Stony Stratford, Milton Keynes, Buckinghamshire, England, MK11 1BN. The Company is a subsidiary of BizFly Limited, registered in Ireland (company number 601838) and in England and Wales as a Foreign Company (FC034596) and as a UK Branch (BR019688). The term ‘you’ or ‘your’ refers to the user of the service. Swoop Finance Limited is authorised and regulated by the Financial Conduct Authority (registration number 936513) and is registered with the Information Commissioner’s Office (reference number ZA600162). We are a broker, not a finance provider. View Swoop on the FCA register. At Swoop, we help businesses access finance from a wide range of lenders, investors and government grant agencies that are suitable for your requirements and we help you make savings by comparing your costs for banking, utilities and other services with offers from other providers. We identify solutions that are most suitable for your requirements (based on the information you disclose to us). We will provide you with information...
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### Treating customers fairly
- Published: 2024-01-29
- Modified: 2025-03-01
- URL: https://swoopfunding.com/uk/treating-customers-fairly/
Treating customers fairly At Swoop, we are committed to offering our customers the highest possible standards of service. In doing so, we are pleased to support the Financial Conduct Authority’s initiative ‘Treating Customers Fairly’. Our commitment to our customersWe will:Provide you with clear information about the service we offer, including any fees or chargesAim to understand your business needs, preferences and circumstances as they evolve, in order for us to narrow down the number of funding and savings options that are available to youSource the most appropriate funding and savings options for your business, using the information available to us from providers and the information you give usTell you if we cannot find an option we consider suitableAim to provide you with up-to-date information which we will present in a manner that is clear, fair and unambiguousEncourage you to ask questions if there is something that you do not understandEnsure that service and risk information remains clear and prominent at all timesProvide you with details of our formal complaint procedure should you be dissatisfied with our service. How you can help usTo help us give you the service that you require we ask you to:Tell us as much as possible about your business income and outgoings, so that we can properly assess how much your business can affordLet us know about future changes that might affect your business’s ability to make repayments for any credit agreement you may enter into (if known)Let us know if, at any stage of our...
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### Terms and conditions
- Published: 2024-01-29
- Modified: 2025-03-01
- URL: https://swoopfunding.com/uk/terms-conditions/
Terms and conditions Thank you for visiting Swoop These terms and conditions (“Terms of Service”), which include our Privacy Policy, govern the use of the broking service (“Service”) provided by Swoop Finance Limited (“we”, “us”, “our”) to any business registered with us (“you”, “your”). Swoop Finance Limited is registered in England and Wales (company number 11163382) and has its Registered Office at The Stable Yard Vicarage Road, Stony Stratford, Milton Keynes, Buckinghamshire, England, MK11 1BN. The Company is a subsidiary of BizFly Limited, registered in Ireland (company number 601838) and in England and Wales as a Foreign Company (FC034596) and as a UK Branch (BR019688). Swoop Finance Limited is authorised and regulated provider by the Financial Conduct Authority as an Account Information Services Provider (reference number 833145), and is registered with the Information Commissioner’s Office (reference number ZA600162). Swoop Finance Limited is authorised as a credit broker under FCA registration number 936513. We are a broker, not a finance provider. Limitations of what we offer Our Service is intended for your own business-related purposes only. We do not provide debt counselling or debt advice. If you would like support in this area, you could consider contacting Business Debtline. We cannot guarantee that our Service will be successful for you, neither are we obliged to provide our Service to you. Our Service is based on information from third parties. We have no control over this information and it may contain inaccuracies or errors. Where you have not made us aware of...
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### Cookie policy
- Published: 2024-01-29
- Modified: 2024-01-29
- URL: https://swoopfunding.com/uk/cookie-policy/
Cookie policy This Cookies Policy sets out how Swoop Finance Limited (we) use cookies when you (the user) use the Swoop website, any related mobile applications and any of our other online or mobile products (collectively, Swoop). The Cookies Policy forms part of our Privacy Policy. These, together with our Terms and Conditions (and any other documents referred to in these documents), explain how we use any of your personal information that we collect when you use Swoop. Please read these documents carefully. By using Swoop you are confirming your consent to our use of cookies as explained in this Cookies Policy. About cookies When we refer to “cookies” we mean any tool used to store or access information about a user’s computer or other device. Cookies are widely used to allow online and mobile sites to function efficiently. A cookie is often a small text file that transfers onto your computer, tablet or mobile device when you visit a site. The cookie may be sent back to that site when you visit again, and may then be used by the server to identify and track your use of Swoop. Cookies last for various durations. A “session cookie” is a short-lived cookie which, depending on your browser settings, is usually deleted when you close your browser. A “persistent” cookie is a long-term cookie that will be stored by your browser until its set expiry date (unless you delete it before the expiry date). Cookies have four different functions and can...
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### Privacy policy
- Published: 2024-01-29
- Modified: 2025-03-01
- URL: https://swoopfunding.com/uk/privacy-policy/
Privacy policy Swoop Finance Limited is registered in England and Wales (company number 11163382) and has its Registered Office at The Stable Yard Vicarage Road, Stony Stratford, Milton Keynes, Buckinghamshire, England, MK11 1BN. The Company is a subsidiary of BizFly Limited, registered in Ireland (company number 601838) and in England and Wales as a Foreign Company (FC034596) and as a UK Branch (BR019688). Swoop Finance Limited is authorised and regulated by the Financial Conduct Authority as an Account Information Services Provider (reference number 833145). Swoop Finance Limited is authorised as a credit broker under FCA registration number 936513. Who we are and how to contact us We are Swoop Finance Limited, the owner and operator of www. swoopfunding. com. www. swoopfunding. com (owned and operated by Swoop Finance Limited) is a business finance and cost savings matching platform for eligible UK businesses. www. swoopfunding. com reviews and compares finance matching options across loans, grants and investments, as well as savings matching options for business banking, foreign exchange and utility costs. Swoop Finance Limited (“we”, “us” and “our” in this privacy policy) is the data controller responsible for personal information processed by this website, and by the company. Business’ refers to customers who use Swoop directly, or indirectly (“you”and “your” in this privacy policy). Where a business is registered by an ‘Introducer’, the business must have provided permission to the ‘Introducer’ to act on it’s behalf prior to registration with Swoop. It is most important that you read this privacy policy...
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### Complaints
- Published: 2024-01-28
- Modified: 2025-03-17
- URL: https://swoopfunding.com/uk/complaints/
Complaints If you’re not completely happy with our service, we’d like to hear about it — that way, we can do something to put it right. At Swoop we do everything we can to make sure our customers get the best possible service. However, sometimes, we don’t get things right first time. When that happens, we always encourage you to tell us about your complaint, so that we can put matters right. We want to:make it easy for you to tell us about your complaintgive your complaint the attention it deservesresolve your complaint fairly without delaymake sure you are satisfied with how your complaint was resolved. How do I make a complaint? To make a complaint, you can:call us on 0203 514 3044 (we are available from 9am to 5pm, Monday to Friday, though closed on all UK public and bank holidays)email us at complaints@swoopfunding. comwrite to us at The Complaints Department, Swoop Finance Ltd, 120 Regent St. , London W1B 5FE, UK. How long will it take? We will immediately carry out an independent investigation of your complaint and will provide a written response within three business days. If we cannot resolve your complaint within three business days then we will take the following steps depending on the nature of your complaint:If your complaint relates to your experience of the website or the provision of information services, we will write to you within another five working days to tell you what we have done to resolve the problem, or...
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### Equipment appraisals
> Business equipment is more than just machinery. Here’s all you need to know about appraising its value, the process, and legal considerations. Read more.
- Published: 2024-01-26
- Modified: 2024-09-29
- URL: https://swoopfunding.com/uk/business-loans/asset-finance/equipment-appraisals/
Equipment appraisals: All you need to know Add a header to begin generating the table of contents Page written by Michael David. Last reviewed on July 22, 2024. Next review due April 6, 2025. Michael David Expert financial copywriter Michael David is a financial writer and former investment advisor. Writing for Capital Group, Dimensional Fund Advisors, Franklin Templeton Investments, HSBC, Invesco, PIMCO, Vanguard, global insurance companies, major banks and others, he has educated professionals, business owners and consumers about strategies for investing, insurance, banking and corporate finance for more than 20 years. × Michael David Expert financial copywriter Michael David is a financial writer and former investment advisor. Writing for Capital Group, Dimensional Fund Advisors, Franklin Templeton Investments, HSBC, Invesco, PIMCO, Vanguard, global insurance companies, major banks and others, he has educated professionals, business owners and consumers about strategies for investing, insurance, banking and corporate finance for more than 20 years. Linkedin Business equipment is more than just machinery, it’s an asset that goes on your balance sheet and can support your business financing needs. Here’s what you need to know about appraising its value. Add a header to begin generating the table of contents What is a machinery & equipment appraisal? Having your business equipment appraised means hiring an expert to provide an unbiased opinion of what it is worth. This independent valuation can be helpful when you are dealing with outside parties who want to be confident that the reported value is accurate and objective. In many cases,...
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### R&D expenditure credits (RDEC)
- Published: 2024-01-26
- Modified: 2024-09-25
- URL: https://swoopfunding.com/uk/rd-tax-credits/rdec/
R&D expenditure credits (RDEC) - what are they? Add a header to begin generating the table of contents Page written by Rachel Wait. Last reviewed on September 25, 2024. Next review due April 6, 2025. Rachel Wait Expert financial copywriter Rachel has been writing about finance and consumer affairs for over a decade, helping people to get to grips with their finances and cut through the jargon. She's written for a range of websites and national newspapers including MoneySuperMarket, Money to the Masses, Forbes UK, and Mail on Sunday. Rachel has covered almost every financial topic, from car insurance and credit cards, to business bank accounts and mortgages. × Rachel Wait Expert financial copywriter Rachel has been writing about finance and consumer affairs for over a decade, helping people to get to grips with their finances and cut through the jargon. She's written for a range of websites and national newspapers including MoneySuperMarket, Money to the Masses, Forbes UK, and Mail on Sunday. Rachel has covered almost every financial topic, from car insurance and credit cards, to business bank accounts and mortgages. Twitter Linkedin Research & development expenditure credits, or RDEC, were introduced by the UK government in 2013; they're a tax incentive designed to help reward innovative businesses for investing in research and development (R&D). Add a header to begin generating the table of contents What is RDEC? RDEC is one of two R&D tax credit schemes that are offered by the UK Government. The RDEC scheme replaced the...
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### Large business loans
> Although large business loans are typically harder to secure, they can provide the financial heft to propel your organisation to the next level. Learn more.
- Published: 2024-01-24
- Modified: 2024-10-01
- URL: https://swoopfunding.com/uk/business-loans/large-business-loans/
Large business loans Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 1, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Although large business loans are typically more difficult to secure than smaller financing options, thinking very big in business can bring outsize returns. Larger loans can provide the financial heft to propel your organisation to the next level and beyond. Add a header to begin generating the table of contents What is considered a large business loan? A large...
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### Cash flow loans
> Cash flow can make or break any business, and poor cash flow is the main reason many small businesses fail to succeed. Read more about cash flow loan here.
- Published: 2024-01-24
- Modified: 2024-09-26
- URL: https://swoopfunding.com/uk/business-loans/cash-flow-loans/
Cash flow loans for small businesses Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 26, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Cash flow can make or break any business, and poor cash flow is the biggest reason many small businesses fail. When money is going out faster than you can get it in, you have a recipe for disaster, but cash flow loans are designed to eliminate this problem – providing short to medium-term financing that can...
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### RDEC calculator
> Use our handy research & development expenditure credit (RDEC) calculator to get an understanding of how much you could claim.
- Published: 2024-01-22
- Modified: 2025-05-14
- URL: https://swoopfunding.com/uk/business-loan-calculator/rdec-calculator/
RDEC calculator UK Research and development expenditure credits (RDEC) is a tax incentive program designed to encourage innovation and R&D activities among businesses. RDEC gives eligible companies a tax credit based on a percentage of their qualifying research and development expenditures. Try our RDEC calculator today and find out how much capital your business can receive under the program. Your details What’s the status of your company? Select Profit-making Loss-making Breaking even What are your annual salary costs for employees directly involved in R&D? £ What are your estimated annual direct costs directly related to R&D? £ What are your annual subcontractor costs directly involved in R&D (if any)? £ This calculator and the figures displayed are for illustrative purposes only. Actual eligible claim amounts may differ depending on a number of factors. Your results Total enhanced cost £- Eligible for £- Your company is eligible for £- which you can use to offset your tax liability and/or carry forward the loss to the next financial year. Your company is eligible for a cash refund of £-. Let Swoop help you get these funds as quickly as possible. Check eligibility × Register your details and a Swoop Funding Manager will be in touch Name Email Phone number Has your CT600 been filed? Select Yes No Unsure What’s the status of your company? Select Profit-making Loss-making Breaking even What are your annual salary costs for employees directly involved in R&D? £ What are your estimated annual direct costs directly related to...
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### Invoice factoring
> Invoice factoring refers to selling unpaid invoices to a company that provides you with cash on the spot. Read more about this cash flow boost and apply here.
- Published: 2024-01-22
- Modified: 2025-03-19
- URL: https://swoopfunding.com/uk/business-loans/invoice-factoring/
Invoice factoring: The complete guide Add a header to begin generating the table of contents Page written by Michael David. Last reviewed on September 29, 2024. Next review due April 6, 2025. Michael David Expert financial copywriter Michael David is a financial writer and former investment advisor. Writing for Capital Group, Dimensional Fund Advisors, Franklin Templeton Investments, HSBC, Invesco, PIMCO, Vanguard, global insurance companies, major banks and others, he has educated professionals, business owners and consumers about strategies for investing, insurance, banking and corporate finance for more than 20 years. × Michael David Expert financial copywriter Michael David is a financial writer and former investment advisor. Writing for Capital Group, Dimensional Fund Advisors, Franklin Templeton Investments, HSBC, Invesco, PIMCO, Vanguard, global insurance companies, major banks and others, he has educated professionals, business owners and consumers about strategies for investing, insurance, banking and corporate finance for more than 20 years. Linkedin If you want to smooth out your business cash flow, invoice factoring is a solution to consider. It can be one of the quickest ways to receive an injection of cash when you need it. Here’s what you need to know. Add a header to begin generating the table of contents What is invoice factoring? Many businesses find themselves in the position of having invoices that are owed to them but not enough cash in the bank when they need it. Invoice factoring refers to selling those unpaid invoices to a factoring company that provides you with cash immediately. You...
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### Invoice discounting
> Invoice discounting means borrowing against unpaid invoices that are owed to you in order to receive your money faster. Learn all about it here.
- Published: 2024-01-22
- Modified: 2025-03-19
- URL: https://swoopfunding.com/uk/business-loans/invoice-discounting/
Invoice discounting: What is it? Add a header to begin generating the table of contents Page written by Michael David. Last reviewed on September 29, 2024. Next review due April 6, 2025. Michael David Expert financial copywriter Michael David is a financial writer and former investment advisor. Writing for Capital Group, Dimensional Fund Advisors, Franklin Templeton Investments, HSBC, Invesco, PIMCO, Vanguard, global insurance companies, major banks and others, he has educated professionals, business owners and consumers about strategies for investing, insurance, banking and corporate finance for more than 20 years. × Michael David Expert financial copywriter Michael David is a financial writer and former investment advisor. Writing for Capital Group, Dimensional Fund Advisors, Franklin Templeton Investments, HSBC, Invesco, PIMCO, Vanguard, global insurance companies, major banks and others, he has educated professionals, business owners and consumers about strategies for investing, insurance, banking and corporate finance for more than 20 years. Linkedin If you frequently find yourself waiting on clients to pay your invoices, there’s a way you might be able to speed things up. Invoice discounting is like getting a cash advance as soon as you issue an invoice. Here’s how it works. Add a header to begin generating the table of contents What is invoice discounting? Invoice discounting means borrowing against unpaid invoices that are owed to you in order to receive your money faster. It’s called “discounting” because, although you are able to access your funds more quickly, the amount you receive will be discounted by a fee that...
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### Accounts receivable financing
> Accounts receivable financing means using your unpaid invoices as collateral to borrow money. Read more about this type of financing and apply here.
- Published: 2024-01-22
- Modified: 2025-03-24
- URL: https://swoopfunding.com/uk/business-loans/accounts-receivable-financing/
Accounts receivable financing Add a header to begin generating the table of contents Page written by Michael David. Last reviewed on January 22, 2024. Next review due April 6, 2026. Michael David Expert financial copywriter Michael David is a financial writer and former investment advisor. Writing for Capital Group, Dimensional Fund Advisors, Franklin Templeton Investments, HSBC, Invesco, PIMCO, Vanguard, global insurance companies, major banks and others, he has educated professionals, business owners and consumers about strategies for investing, insurance, banking and corporate finance for more than 20 years. If you’ve ever looked into business financing, you may have run up against the requirement for collateral. While that usually means pledging real estate or other property as security for the loan, your outstanding receivables might also do the trick. Keep reading for more. Add a header to begin generating the table of contents What is accounts receivable financing? Accounts receivable financing means using your unpaid invoices as collateral to borrow money. If your business sends out invoices on a regular basis, accounts receivable financing is like having access to a series of cash advances secured by those invoices. Accounts receivable financing can help businesses manage their cash flow by allowing them to turn invoices into cash almost immediately. How does accounts receivable financing work? Accounts receivable financing can be part of your overall working capital strategy. Although you might use a small business loan or line of credit for major business investments, accounts receivable financing can be a useful way to...
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### R&D tax credit calculator
> Use our handy R&D tax credit calculator to get an understanding of how much you could claim.
- Published: 2024-01-16
- Modified: 2025-05-14
- URL: https://swoopfunding.com/uk/business-loan-calculator/rd-tax-credit-calculator/
R&D tax credits calculator UK Are you investing in the development of new products and services? If so, you’re likely eligible for R&D (research and development) tax credits. However, many businesses do not know that they qualify for R&D tax credits, or that you can claim for up to two years prior to the date of your claim. Think you could be eligible? Use our simple R&D tax credits calculator to see how much you could receive as a cash refund or to offset your tax liability. Page written by Ian Hawkins. Last reviewed on April 2, 2025. Next review due April 6, 2026. Ian Hawkins Head of Content Ian Hawkins is Head of Content at Swoop. As a freelance business journalist and filmmaker he has reported from Europe, Central and North America and Africa. His films and writing have appeared on BBC World, Reuters and CBS, and he has spoken at conferences on both sides of the Atlantic on subjects including data, cyber security, and entrepreneurialism. Your details What’s the status of your company? Select Profit-making Loss-making Breaking even What are your annual salary costs for employees directly involved in R&D? £ What are your estimated annual direct costs directly related to R&D? £ What are your annual subcontractor costs directly involved in R&D (if any)? £ This calculator and the figures displayed are for illustrative purposes only. Actual eligible claim amounts may differ depending on a number of factors. Your results Total enhanced cost £- Eligible for £-...
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### Amortisation calculator
> An amortisation calculator is a financial tool designed to assist businesses in understanding and planning the repayment of loans over time. Try it out.
- Published: 2024-01-16
- Modified: 2025-05-14
- URL: https://swoopfunding.com/uk/business-loan-calculator/amortisation-calculator/
Amortisation calculator An amortisation calculator is a financial tool designed to assist businesses in understanding and planning the repayment of loans over time. It helps seeking clarity on your repayment journey and making informed financial decisions. Page written by Ian Hawkins. Last reviewed on June 25, 2024. Next review due April 6, 2026. Ian Hawkins Head of Content Ian Hawkins is Head of Content at Swoop. As a freelance business journalist and filmmaker he has reported from Europe, Central and North America and Africa. His films and writing have appeared on BBC World, Reuters and CBS, and he has spoken at conferences on both sides of the Atlantic on subjects including data, cyber security, and entrepreneurialism. Loan amount £ . 00 Loan term 20 years Interest rate 4% Loan start date This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan. Your results Monthly payment £ Total interest paid £ Total cost of loan £ Number of payments Payoff date Borrow £ Chart Schedule How payments change over the life of a 20 year loan Amortization schedule breakdown What is an amortisation schedule? An amortisation schedule is a detailed table or spreadsheet that outlines the systematic repayment of a loan over time. It provides a comprehensive breakdown of each loan payment, specifying how much of each payment goes toward reducing the principal amount and how much is allocated to cover interest expenses. The schedule outlines each installment...
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### Commercial finance
> If you own or run a business you may have heard the term ‘commercial financing’. But what does it mean, how does it work and is it right for you? Read more here
- Published: 2024-01-09
- Modified: 2024-10-02
- URL: https://swoopfunding.com/uk/business-loans/commercial-finance/
Commercial financing: All you need to know Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 25, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset If you own or run a business you’ve probably heard the term ‘commercial financing’ before. But what does it mean, how does it work and is it right for your business? Well, wonder no more. Read on to find out all you need to know about commercial financing - and how you can make the...
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### £100,000 or less business loan
> If you are looking for a business loan up to £100,000 but aren't sure where to start, look no further. Read on to find out the best loans, or apply here.
- Published: 2024-01-08
- Modified: 2025-03-19
- URL: https://swoopfunding.com/uk/business-loans/best-business-loans-100000-or-less/
Best small business loans for £100,000 or less Secure your £100,000 business loan with Swoop What is your cash goal? How much funding do you require? What is your annual revenue? How old is your business? How old is your business? 0-6 months 6-12 months 1-2 years 2-5 years 5+ years Full name Email Contact number Send me updates on products, news and information on selected partners. By clicking this button, you agree to our Privacy policy & Terms of use. Loading... arrow_back_ios Here are your potential matches Loans Equity Grants Create your FREE account Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on March 19, 2025. Next review due April 6, 2026. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Supporting big expansion plans, making key acquisitions, ramping up production, or simply restructuring your business finances can often be tough using only working capital – which is why many organisations turn to business loans of £100,000 or less to fund their plans and growth. Read on to learn more...
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## Blog
### The UK-India trade deal: What does it mean for me as UK businesses?
- Published: 2025-05-08
- Modified: 2025-05-15
- URL: https://swoopfunding.com/uk/blog/uk-india-trade-deal/
- Category: Blog
As tariff barriers tumble, India’s trillion-dollar economy is ripe with possibilities India is a shock to the system for British visitors: the noise, the hustle, the energy... and with the forging of a new trade agreement between the UK and India, SME owners from both countries are seeing a future bright with potential. This landmark deal, hailed as the "biggest and most economically significant" since leaving the EU*, slashes tariffs (import taxes) and promises to unlock a wealth of opportunities for your business. . stk-e952bd1 {height:20px ! important;} Trade deal highlights  Tariff reduction on whisky and gin: Indian tariffs, currently at 150%, will be halved to 75% immediately and then gradually reduced to 40% over 10 years. Tariff reduction on cars: Indian tariffs on UK cars will fall from over 100% to 10%, subject to a quota. Duty-free access for Indian goods: The UK will eliminate tariffs on 99% of Indian goods, including textiles, clothing, footwear, and food products such as frozen prawns. Tariff reduction on UK industrial goods: Tariffs on UK industrial goods exported to India will be reduced by an average of 5. 2%. Boost to bilateral trade: The deal is projected to increase bilateral trade between the UK and India by £25. 5 billion annually by 2040. Increase in UK exports to India: UK exports to India are predicted to grow by £15. 7 billion (59. 4%) by 2040. Elimination of UK tariffs on Indian agri-food: The UK has eliminated tariffs on 95. 5% of Indian agri-food...
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### The 2025 UK business debt report: 52,000+ businesses analysed
> No industry is without business debt, but where are the biggest levels of business debt in the UK? Discover key insights with our 2025 UK business debt report.
- Published: 2025-04-15
- Modified: 2025-05-15
- URL: https://swoopfunding.com/uk/business-debt-report/
- Category: Blog
The UK economy has encountered a complex set of challenges in recent times. However, there are signs of cautious optimism on the horizon. The UK is now projected to see GDP growth of 1. 6% in 2025—making it the third strongest performer among G7 nations*. A range of factors have shaped the current economic climate, including the lingering impact of interest rate increases, global uncertainties, and the recent introduction of new tariffs by the US administration. These shifts continue to influence businesses and employees across the country. In response, many businesses are turning to financing not out of necessity, but as a strategic choice—using debt to invest in growth, manage cash flow, and stay competitive in a changing environment. Far from being a sign of distress, taking on debt in this context can be a smart and forward-looking move. To better understand how UK businesses are adapting, Swoop analysed internal data from 52,143 companies to assess the current state of business debt across the country. Aiming to shed light on average debt per company, business age, leadership gender, industry sectors, and regional variations, we’ll examine where in the UK has the greatest level of business debt, as well as provide key insights into how to best utilise and manage debt to grow your business. UK company debt: A deeper look In order to get a full picture of the state of UK business debt, our analysis covered industries as expansive as the technology and food sectors, as well as more...
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### How to start your own finance brokerage – without the stress
> Have you ever thought about setting up your own finance brokerage – but stopped short because of the paperwork, regulation or uncertainty? You're not alone.
- Published: 2025-04-02
- Modified: 2025-04-02
- URL: https://swoopfunding.com/uk/swoop-broker-suite/start-a-brokerage/
- Category: Brokers
Have you ever thought about setting up your own finance brokerage – but stopped short because of the paperwork, regulation or uncertainty? You're not alone. Many talented finance professionals dream of going independent but find the barriers too high. The good news is, it doesn’t have to be that way. And if you’ve come across Swoop before – this is something new. Our Broker Suite offering isn’t about referring leads or passing clients back to us - although we can still accommodate these partnerships. This is about helping you run your own fully branded brokerage – with direct access to funders, full FCA permissions, and support from day one. Why brokers go independent There are three main groups of people thinking about launching their own brokerage: Experienced finance professionals working for lenders or other brokerages who want the freedom to build something of their own Aspiring brokers – often accountants, business advisors or introducers – who see client demand for finance but don’t want to reinvent the wheel Mortgage brokers who want a separate entity for commercial transactions All are looking for the same things: independence, control, earning potential, and a simple, compliant way to operate. What you actually need to get started – and the reasons many don’t Starting a brokerage is easier when you break it down. Here’s what you really need: FCA authorisation or cover to legally give advice and arrange finance Access to lenders – ideally across asset finance, working capital, commercial mortgages and more Processes...
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### Base rate cut: Is now the turning point for UK commercial property finance?
> On 6 February 2025, The Bank of England reduced its base rate by 0.25%, bringing it down to 4.25%. Read the impact of this base rate cut here.
- Published: 2025-02-19
- Modified: 2025-02-19
- URL: https://swoopfunding.com/uk/blog/base-rate-cut-is-now-the-turning-point-for-uk-commercial-property-finance/
- Category: Interest rates, Commercial mortgages
The Bank of England’s third interest rate cut in six months will mean more than simply cheaper loans. On 6 February 2025, The Bank of England reduced its base rate by 0. 25%, bringing it down to 4. 25%. This marks the third reduction in six months and while the immediate impact might seem small, the long-term implications, particularly for those seeking commercial property finance, could be significant. With further rate cuts predicted, should business owners hold fire on property purchases? Those who already have mortgages at a higher fixed rate won't benefit from these changes immediately , while variable-rate borrowers will see some relief in their monthly payments (provided their product is linked to the BoE base rate). But that’s only part of the story: the repeated rate reductions are also positively impacting stress testing that will profoundly affect future lending. The longer-term implications: The real story The most significant impact of these rate cuts - and those predicted in the near future - will be felt in the gradual easing of affordability assessments. Over the past couple of years, as base rates rose, lenders significantly tightened their stress test requirements. At Swoop, our customers found it harder to reach agreements as the typical interest rate used as part of the affordability assessment rose from around 5% when the base rate was near zero, to as high as 9% in 2023. This dramatic increase in stress test thresholds inevitably limited the amount businesses could borrow, as affordability calculations were...
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### Should you borrow to grow your business? Swoop’s five-point checklist will help you decide
> Should you get a loan to grow your business? Swoop’s five-point checklist is designed to help you decide whether borrowing is the right choice for your business
- Published: 2025-01-23
- Modified: 2025-03-27
- URL: https://swoopfunding.com/uk/blog/should-you-borrow-to-grow-your-business/
- Category: SME support, Swoop guides, Loans
Everyone will tell you to borrow for your business, but is it the right strategy? There are thousands of financial products on the market - from credit cards to commercial mortgages - and businesses make their money when you borrow.   But should you be borrowing in the first place? Unlike personal borrowing, business borrowing should be considered an investment that will have a positive return. For example, a new vehicle may be cheaper to run, project a more professional image or expand your existing fleet, meaning you can serve more customers.   Swoop’s five-point checklist is designed to help you decide whether borrowing is right for your business. Question 1: Is there a specific, clearly defined business need for the borrowed funds? No: Reevaluate the need. Borrowing for unclear or non-essential purposes is generally unwise as you will be making repayments long after the funds have been used. Yes: Proceed to Question 2. Question 2: Can this need be met with existing funds (savings, retained earnings, etc. )? Yes: Consider using existing funds to avoid incurring debt - though make contingencies for unexpected expenses and ensure you maintain a buffer to protect you against dips in income.   No: Proceed to Question 3. Question 3: Does the potential return on investment (ROI) from the borrowed funds outweigh the cost of borrowing (interest rates, fees)? No: Reassess the investment opportunity or seek alternative funding sources, such as grant funding. Yes: Proceed to Question 4. Question 4: Is the business financially...
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### Key dates for SMEs: what you need to know for 2025
> Missing deadlines can have serious consequences: from financial penalties to damaged reputations, the repercussions can be far-reaching. See key dates here.
- Published: 2025-01-23
- Modified: 2025-01-23
- URL: https://swoopfunding.com/uk/blog/key-dates-for-businesses-2025/
- Category: SME support, Swoop guides
Throughout the year there are key dates that affect businesses. If you miss a deadline, it can be expensive. Missing deadlines can have serious consequences: from financial penalties to damaged reputations, the repercussions can be far-reaching. It’s not just disappointed customers: late tax payments can result in hefty fines and interest charges, so it’s crucial to stay on top of tax deadlines, such as VAT returns and corporation tax filings. Business owners need to be aware of, and plan proactively for, key dates throughout the year. This includes budgeting for upcoming tax payments or having a plan in place to secure additional funding if necessary. By anticipating these financial obligations, businesses can mitigate risks and maintain a healthy cash flow. Tax deadlines  Sole traders  Sole traders pay income tax and National insurance in two stages:  31 January 2025 – balance of any tax for year 2023/24 is due 31 January 2025 - first payment on account of tax for year 2024/25 is due 31 July 2025 – second payment on account of tax for 2024/25 is due 31 January 2026 – balance of any tax for year 2024/25 is due 31 January 2026 - first payment on account of tax for year 2025/26 is due Self Assessments  Self-assessment tax returns must be filed by: 31 October 2025 following the end of the tax year (paper returns) 31 January 2026 following the end of the tax year (online returns) Limited Companies The payment deadline for Corporation Tax depends on your accounting period...
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### GPSR explained
- Published: 2024-12-12
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/support-for-small-businesses/gpsr/
- Category: SME support, Blog
Read on if you sell to NI and the EU. All you need to know about the General Product Safety Regulation If you’re a UK-based business selling non-food products into Northern Ireland and/or the European Union, you’ll be subject to GPSR as of 13th December 2024. Failure to comply with these new rules could be costly. Read on to learn more about GPSR and what you need to do to stay on the right side of the law. What is GPSR? The General Product Safety Regulation (GPSR) is a legal framework for the European Union that ensures all consumer products sold are safe for use. The rules come into effect on 13th December 2024, and they apply to both new, used, and reconditioned products. Since Brexit, Northern Ireland has an open trading agreement with the EU and products sold into or from NI are also subject to GPSR. This means that businesses based in England, Scotland and Wales and that sell non-food products into the EU and/or NI must comply with the new regulations. How does GPSR work? GPSR replaces the existing EU’s General Product Safety Directive 2001 and the Food Imitating Product Directive of 1987. Enforced by market surveillance authorities, the rules aim to protect consumers and ensure accountability by bringing regulations up-to-date in light of new technologies, e-commerce, and global supply chains. GPSR applies to non-food consumer products and requires manufacturers, distributors, and online marketplaces to identify and mitigate risks, provide clear safety information, and swiftly recall unsafe...
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### Making the business case for your RSVP this holiday season
> Events are a great way to make connections that will benefit your business - you just need to make sure you approach them properly
- Published: 2024-11-21
- Modified: 2024-11-27
- URL: https://swoopfunding.com/uk/blog/networking-101
- Category: Swoop guides, Blog
Events are a great way to make connections that will benefit your business - you just need to make sure you approach them properly. This time of year is party season: between September and New Year’s Day, you’ll find many calls on your downtime. But can you justify slipping out from work early to put on your glad rags? What about the loss of productivity the next day when you’ve got a dry mouth and a stubborn headache? There are good reasons for saying “yes” to the right invitations: you could find yourself making new connections outside your usual circle, or strengthen old relationships (I’m often finding myself speaking with people I’ve met peripherally elsewhere). Help is at hand. As Swoop’s #1 Champion Networker, here are my top tips for getting the most out of a networking event. Understand the tone Getting the tone right is everything. Some events are more sociable and some are more business-focused. Why does this matter? Because it informs a lot about your approach: what you can expect to get out of it, how you’ll approach people and even what you wear. Can you go straight from the office with a pocket full of business cards? Or do you need to spend a bit more time getting ready? You can get some mileage out of confounding expectations - I once saw a woman in the construction business wearing a pair of steel-toed boots with her designer ballgown. An unforgettable look. You might need to read...
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### Challenge and opportunity: how to succeed in the 2025 commercial real estate market
- Published: 2024-10-25
- Modified: 2024-12-05
- URL: https://swoopfunding.com/uk/business-loans/challenge-and-opportunity/
- Category: SME support, Swoop guides, Commercial mortgages, Blog
Borrowers can get an edge by appealing to lenders - particularly when the market is getting competitive Are you wondering where the opportunities are in the 2025 commercial or buy-to-let mortgage market? Let’s take a look. New lending for commercial real estate plummeted by 33 percent last year to the lowest point since 2013. For small and medium-sized enterprises (SMEs) in the UK, this means they may struggle to secure the finance needed to grow – meaning businesses could miss out on key growth opportunities. Ed Brown, the Commercial Mortgages Funding Specialist at Swoop, says that the property market has been tough on SMEs:  “2023 was a low point for the market in respect of new lending and transactions. Partly thanks to high commercial mortgage interest rates, there was a decline in appetite with development lending accounting for only 16 percent of all new lending. ” The impact of this was that buy-to-let (BTL) house purchase lending fell by 53 percent in 2023. Ed believes that the interest rate drop in mid-2024 was a key turning point for the market: ” Short-term interest rates are trending lower and gross lending was around £4 billion during Q2 in 2024, suggesting a more stable market. This will lead to an increase in the future. ” The interest rates have been lowered by the Bank of England because of slowing inflation and signs of economic stagnation; lowering commercial mortgage interest rates will result in economic growth by increasing investment in businesses and boosting...
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### Should I avoid business loans that require personal guarantees?
- Published: 2024-10-02
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/business-loans/should-i-avoid-personal-guarantees/
- Category: SME support, Loans
As a small business owner, you need to asses your appetite for risk carefully before you agree to funding that requires your personal assets to be used a guarantee. Thankfully, there are plenty of options available. Personal guarantees are a common requirement for small business loans, but many entrepreneurs may not fully understand the risks involved. A personal guarantee means that you're personally liable for the loan if your business fails to repay it. This can put your personal assets at risk, including your home, car, savings, and more. According to a recent survey by Purbeck Insurance, 13 percent of small business owners have backed out of a loan due to the demand for a personal guarantee, and we can assume that those who do sign a personal guarantee may do so with misgivings, or believing that they have little alternative. One factor that can change attitudes is insurance to protect against the risk. In the same survey, 46 percent of respondents said they would be more likely to sign a personal guarantee if they had insurance. Despite the risks, personal guarantees can be a valuable tool for small business owners seeking funding. By understanding the implications and considering insurance options, you can make informed decisions about your financing needs and protect your personal assets. Insurance protection for personal guarantees If you are not comfortable with the risks of borrowing money against a personal guarantee, there are insurance options available to protect small business owners’ assets. Personal Guarantee Insurance (PGI)...
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### What documents do you need for your funding application? A business owner's guide
- Published: 2024-10-02
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/business-loans/what-documents-do-you-need/
- Category: SME support, Loans
Making applications is quicker and less hassle when the information you need is already at hand Your business needs funding, but the phone is ringing. And that new staff member has a question. And your biggest customer is expecting a revised quote by the end of the day... . Making an application for funding feels like it’s going to be hard work before you settle down and get started. But by getting everything that you need together before you begin, you’ll find that you get through it more quickly.   Here are the key documents typically requested by lenders, investors and grant awarding bodies: Financial Documents Income statement: This document shows your business's revenue, expenses, and net profit over a specific period. Balance sheet: A snapshot of your business's financial health, including assets, liabilities, and equity. Cash flow statement: This statement reveals your business's inflows and outflows of cash. Tax returns: Corporate and personal tax returns can provide valuable insights into your financial history. Profit and loss projections: Forecasts of your future income and expenses. Business Plans Business plan: A detailed outline of your business, including its mission, goals, market analysis, and financial projections. Executive summary: A concise overview of your business plan, typically one to two pages long. Legal Documents Articles of incorporation or partnership agreement: These documents establish your business's legal structure. Operating agreement: For limited liability companies (LLCs), this agreement outlines the rights and responsibilities of members. Permits and licences: Any necessary permits or licences required for...
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### If you rent your warehouse, shouldn’t you think about buying it?
> Owning a warehouse space can be a great move for your business, bringing in increased control, cost-efficiency & a stable platform for growth. Read more here.
- Published: 2024-07-25
- Modified: 2024-10-07
- URL: https://swoopfunding.com/uk/commercial-mortgages/rent-or-buy-a-warehouse/
- Category: SME support, Swoop guides, Commercial mortgages, Blog
Owning your warehouse could be the foundation for your business growth - here are the pros and cons Owning a dedicated warehouse space can be a great move for your business, bringing you increased control, cost-efficiency and a stable platform for growth. Many businesses, particularly in their early days, have to rent warehouse space. While renting may offer advantages for affordability and flexibility, ownership brings a whole set of advantages that can fuel your company's long term growth. Let's explore the reasons why buying a warehouse might be the strategic move your business needs. 1. Control your destiny Ownership means that you can organise your warehouse space exactly how you need it. Dedicated loading docks, specific racking systems, even a designated area for quality control – you can design it all to optimise efficiency. Renting often comes with limitations on modifications, hindering your ability to streamline your operation. Owning gives you the freedom to create a space that perfectly complements your workflows and can help project a desired company image. 2. Long-term investment, short-term savings Rental costs can creep up over time and there's no payback on investing in a property you don't own. Having a mortgage on a warehouse could allow you to lock in your monthly payments for a fixed term. This predictability helps with budgeting and financial planning. And over time, the value of your warehouse is likely to appreciate, creating a valuable asset for your company. Another advantage of property purchase is that you may also...
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### Open Banking – what is it and how does it work?
> Fast, efficient and more innovative than traditional financial systems, Open Banking puts the customer firmly in control. Learn more about how it works here.
- Published: 2024-05-21
- Modified: 2025-01-14
- URL: https://swoopfunding.com/uk/blog/open-banking/
- Category: SME support, Swoop guides, Blog
Open Banking has changed the way UK businesses and individuals can use and grow their money. Fast, efficient and more innovative than traditional financial systems, Open Banking puts the customer firmly in control. But what exactly is Open Banking, how does it work and what can it do for you? Read on to find out all you need to know about this financial revolution. . What is Open Banking? Open Banking has existed in the UK since 2018. It authorises the high street banks to let you electronically share your financial data with other, third-party financial providers. Your permission gives these entities ‘read only’ access to your banking data, such as transactions, payments and available balances, allowing you to obtain financial services and conduct transactions without the faff of visiting your bank. With Open Banking, you don’t need to fill out lengthy forms to provide third-party apps or websites with the data they need. Once you’ve given permission through your bank’s mobile or online banking, these services can access the necessary information directly. https://www. youtube. com/watch? v=KTKkAVN8aqI Examples of Open Banking Open Banking is used by many thousands of businesses and millions of individuals in the UK every day and for literally hundreds of different uses. Here are four examples of Open Banking in action: Business and personal finance management has been positively changed by Open Banking. Data aggregation enables companies to access and combine customer bank account data, such as savings balances, to provide tailored support with money management...
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### Commercial mortgages for pubs
> Pub finance is an umbrella term that covers the different financial solutions often needed to get your pub business up and running. Learn more with Swoop.
- Published: 2024-05-07
- Modified: 2024-12-05
- URL: https://swoopfunding.com/uk/commercial-mortgages/pub-mortgage/
- Category: SME support, Swoop guides, Commercial mortgages, Blog
If you’ve decided to fulfil your dream of running a pub or simply fancy a career change, you’ll likely need to borrow funds to help cover the cost of setting up your business. This blog explains all you need to know about financing a pub. What is pub finance? Pub finance is an umbrella term that covers the different financial solutions often needed to get your pub business up and running. Pub finance can be used to cover dips in cash flow, pay for inventory, renovate an existing premises or buy a new one. In some cases, funds could be transferred to your bank account within a few hours. Repayment terms depend on the type of finance you’ve applied for. Unsecured pub loans, for example, need to be repaid over one to seven years, while pub mortgages can be repaid over a period of up to 30 years. What is a pub mortgage? A pub mortgage is a type of commercial mortgage that’s used to buy or refinance a pub, nightclub or bar. Pub mortgages are similar to regular commercial mortgages in that you borrow a lump sum to repay over many years. But lenders will generally have specifications about what type of business they are prepared to lend to, which means pub mortgages can be harder to qualify for. You’ll need a pub mortgage if you want to buy the pub premises outright so that you have complete control of the business. This differs from leasing a pub, where...
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### How to find investors for your business
> If you’re looking for funding to launch a startup or scale your business, you don’t have to go down the traditional route of getting a loan from your bank.
- Published: 2024-03-20
- Modified: 2024-07-22
- URL: https://swoopfunding.com/uk/equity-financing/how-to-find-investors/
- Category: Blog, Equity finance
If you’re looking for funding to launch a startup or scale your business, you don’t necessarily need to go down the traditional route of getting a loan from your bank. Another option is to look for people who are willing to invest in your business. Your investors might loan you money at a more competitive interest rate, or they might own a stake in your business, meaning they earn money when your company makes a profit.   This guide explains all you need to know about how to find investors for your business. How important are investors for a small business? Investmentors for a small business can help your business to grow, improve and succeed. The funds you receive can help you to buy modern equipment, for instance, which could help to speed up processes and ensure you keep up with competition and demand. It could also enable you to hire more staff as well as invest in training and development of existing team members so that they learn valuable new skills. You might also choose to invest in a better onboarding programme or improve employee benefits such as flexible working or season ticket loans which can make your company more attractive to potential new employees. Depending on what sector your business is in, investment can also help your company pay for advertising and marketing or invest in research and development. How to find investors for your business: Get capital from family & friends A good place for an early-stage...
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### How to find angel investors
> If you’re looking for investment in your business, whether you’re just starting out or planning to expand, an angel investor is one potential option to explore.
- Published: 2024-03-20
- Modified: 2024-12-05
- URL: https://swoopfunding.com/uk/equity-financing/how-to-find-angel-investors/
- Category: Blog, Equity finance
If you’re looking for investment in your business, whether you’re just starting out or planning to expand, an angel investor is one potential option to explore. Beyond simply investing in your business, angel investors can also bring a wealth of experience that could prove invaluable to your business. This guide explains everything you need to know about finding angel investors for your business. What are angel investors? Angel investors, or business angels as they are also called, are high-net worth individuals who are looking to invest in startup or early-stage businesses. In return for their investment, they receive a share of the company’s equity. Some angel investors will choose to invest alone, while others will be part of an angel syndicate (a group of angel investors). An angel investor usually has experience in business and will often have skills, knowledge and networks that can add value to your business and help it succeed. What should you look for in an angel investor? Primarily, you want to find an angel investor with the right amount of cash to invest. But there are also a number of other important factors you need to consider. These include: Industry experience Firstly, you’ll want your angel investor to have experience in the specific industry you work in. This means they’ll understand the challenges you’re likely to face and will hopefully have the skills required to take your business from strength to strength, as well as fill in the gaps you have in your own skillset....
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### R&D: Why it pays to work with Swoop
> R&D tax credits seem like a niche concern, but for some businesses Swoop’s R&D team could mean more than just a quickly-completed application. Read more.
- Published: 2024-03-19
- Modified: 2024-06-26
- URL: https://swoopfunding.com/uk/rd-tax-credits/why-use-swoop/
- Category: R&D tax credits
Getting to grips with your R&D tax credits can unlock funding solutions for the whole of your business R&D tax credits seem like a niche concern, but for businesses that are seeking to make a claim based on the work they have done, Swoop’s R&D team could mean more than just a quickly-completed application. It’s also a great place to access the expertise of the whole company to help improve your cash flow. Why does Swoop have an R&D team? In the early days, Swoop referred customers to accountants and to R&D claims specialists. But we began to realise that accountants were growing less keen to handle R&D, while the specialists weren’t able to grasp the benefits of looking at a customer’s wider funding needs. Customers also voiced their frustration at the time that it took to get claims to the submission stage; as a tech business, we knew we could improve turnaround times and make the whole process less painful. Swoop’s in-house team was born. By offering an R&D tax credit service as part of our integrated offering across business funding, grants, and equity finance, we knew we could work more closely with a customer as we would have a much broader view of their overall needs in mind ... and customers could find solutions in one place. As for the speed of claims, we aim to have your application submitted within two weeks of receiving the documentation we need. How does Swoop handle your claim? Step one: Swoop...
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### Why did my credit score drop?
> Let's unpack the reasons your credit score might drop and understand how these can be a game-changer for your business. Read about the reasons here.
- Published: 2024-03-18
- Modified: 2024-07-22
- URL: https://swoopfunding.com/uk/business-credit-scores/why-did-my-credit-score-drop/
- Category: SME support, Swoop guides, Blog
Understanding the dynamics of credit scores can often feel like navigating through a maze, with each turn influenced by various financial decisions and behaviours. For financial advisors and brokers, you’re expected to demystify this journey for your clients, providing them with the clarity and guidance needed to maintain or improve their financial health. Here at Swoop, we recognise the importance of a healthy credit score in securing loans and funding options. We’ll help identify the common reasons behind a drop in credit scores, underscoring the pivotal role such insights play in crafting effective investment strategies. Through Swoop Funding's lens, we aim to illuminate the path for finance professionals, enabling them to leverage our platform's unique opportunities to benefit their clients. Let's unpack the factors that can influence credit score fluctuations and how understanding these can be a game-changer in the financial landscape. What makes up your credit score? Your credit score is composed of five separate categories with different weights. Some affect your score more than others. Payment history (35%) Amounts owed (30%) Length of credit history (15%) New credit (10%) Credit mix (10%) Alt text: pie-chart-showing-the-five-FICO-scoring-categories-and-percentages 6 Reasons why your credit score has dropped A credit score is a dynamic metric that reflects your financial reliability. Its fluctuations can impact your ability to access various financial products. For clients navigating the complexities of their financial journey, understanding the reasons behind a credit score decline is crucial. This knowledge not only empowers them but also enables financial advisors and brokers...
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### Interest rates are coming down - time to refinance?
> Interest rates have been high which makes borrowing expensive, and business owners have been careful not to borrow more than they need. Read more here.
- Published: 2024-02-27
- Modified: 2024-03-20
- URL: https://swoopfunding.com/uk/blog/time-to-refinance/
- Category: Interest rates, Commercial mortgages, Blog
Getting the right deal could free up more cash where you need it For many businesses, their borrowing is a patchwork of products. Interest rates have been high which makes borrowing expensive, and prudent business owners have been careful not to overstretch themselves by borrowing more than they need.   At Swoop, we also advocate looking at some of the niche and specialist borrowing products on the market which could suit the needs of businesses better than a traditional unsecured loan. With interest rates falling, however, consolidating all those debts into one loan at a lower rate can achieve two things: first, it can simplify your outgoings by putting all your debts onto a single line of the accounts; second, it could save you money and free up capital for other projects.   Ed Brown, Commercial Funding Manager at Swoop, says that consolidating outstanding debt within a property purchase (or remortgage) is becoming more attractive as the market shifts:  “Lender appetite has really bounced back recently with some banks pledging to increase the number of commercial mortgages they agree by as much as 20 percent. Even during the uncertainty of the last couple of years, property ownership has made sense for some, but as interest rates go down, we are likely to see more businesses exploring this as an affordable and desirable option. ” Lower interest rates affect the whole market, not just commercial mortgages. And with the boom in challenger banks and digital first products, the battle for market...
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### Commercial mortgage landscape in 2025
- Published: 2024-02-27
- Modified: 2025-03-21
- URL: https://swoopfunding.com/uk/blog/commercial-mortgage-landscape/
- Category: Swoop guides, Commercial mortgages, Blog
Navigating the commercial mortgage landscape in 2025: Five factors that will help you decide on the viability of a major purchase Buying a property for your business is not just about timing: Let's at the five factors that should influence your decision in the coming year. In the ever-shifting world of business, knowing when to make a move is crucial. While recent economic headlines might have caused hesitation, the commercial mortgage market is showing signs of renewed vigor, offering potential opportunities for savvy SME owners. The past year has seen a recalibration in the financial landscape. After a period of fluctuating interest rates and market uncertainty, a sense of stability is returning, boosting confidence among both borrowers and lenders. This shift presents a window of opportunity for SMEs considering property acquisition. Key factors to consider There are five main factors to consider before you begin the process of applying for a Commercial Mortgage. As with any major purchase, putting the time in to ensuring the fundamentals are correct will pay off further down the line - and could prevent you from making costly mistakes or unnecessary delays in what can already be a long process. 1. Interest rate trends At the time of writing, The Bank of England base rate is 4. 5% - down from 5. 25% as of February 2025. While the Bank of England base rate remains a factor, increased competition among high street and challenger banks is driving down margins. Fixed-rate mortgages are currently attractive, with...
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### Surge or sink? The SMEs that will thrive in 2025
> As SMEs make up the majority of job creation, innovation and economic growth, the boom in numbers will be seen as great news. Read more here.
- Published: 2024-02-27
- Modified: 2025-03-21
- URL: https://swoopfunding.com/uk/blog/record-number-of-new-businesses-started/
- Category: Blog
The number of businesses in the UK has been flat since 2020. Could 2025 be the year that delivers real growth? According to the UK government’s own figures, there are over 5. 48 million SMEs (small and medium-sized enterprises) in the UK, compared to just 8,250 large businesses. Together, SMEs provide 16. 6 million jobs (60 percent of all jobs in the UK), turning over £2. 8 trillion - just over half of the total business turnover*. There's no doubt that the sector is innovative, resilient and optimistic: the last ten years have seen huge turmoil, from Covid to interest rate hikes, Brexit and transformational technologies. Any business to have survived all that may look indestructible.   But are governments in danger of taking SMEs for granted? The entrepreneurial spirit may be alive and well, but business owners are being caught between a challenging economic environment while being asked to provide the kind of growth and innovation the UK needs.   The good news is that while figures for the current year are still emerging, trends from the past year suggest a continued influx of new businesses. The challenge is for these new businesses to mature and stay in business: nearly four in ten** SMEs came close to shutting down last year and government figures show that the number of active businesses has flatlined at around 5. 5 and 5. 6 million businesses since 2020. Key sectors driving growth What is driving the influx of new businesses? The world has...
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### Capital allowances on hire purchase (HP): Things to be aware of
> Many businesses who need to replace old machinery, will consider hire purchase as a way of buying assets. Learn all about it here.
- Published: 2024-02-22
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/business-loans/asset-finance/hire-purchase-capital-allowances/
- Category: Asset finance, Blog
The goverment's full expensing scheme makes asset finance a more tempting prospect for businesses seeking growth. Many businesses, whether they are in the early stages of trading, pursuing a growth strategy or have been around for a while and need to replace old machinery, will consider hire purchase as a way of buying essential assets. It's also one of the most accessible and easily understood forms of credit: the “title” of whatever you’re buying – a car, work van, machinery, office furniture – remains the property of the lender for a fixed term. This means they can repossess the item if you do not keep up payments. The final payment will include an OTP (option to purchase fee), usually about £100. This is built into all HP agreements. Once that is paid, the title then transfers over to the customer. Spreading the cost this way makes it possible for businesses to have the full use of assets they need to carry out work, without the need for a major capital outlay upfront. Changes to the tax system With recent changes to the tax system, there are now even more incentives for businesses to explore hire purchase and asset finance. Tom Floodgate, Head of Asset Finance at Swoop, explains: “Hire purchase is the commitment of buying an asset so even if spread over a period of five years, the full amount is still eligible for capital allowances. These capital allowances are a form of tax relief which allows you to deduct...
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### How to calculate the cost of debt
> The cost of debt refers to the overall cost that a company pays on borrowed money. Find out how to calculate the cost of debt, and the formula here.
- Published: 2024-02-15
- Modified: 2024-06-25
- URL: https://swoopfunding.com/uk/blog/how-to-calculate-the-cost-of-debt/
- Category: SME support, Swoop guides, Blog
For small businesses or start-ups, securing funding is the foundation for expanding your company.   Business loans and lines of credit can provide the necessary capital but also come at a cost. Calculating your cost of debt helps you to figure out if taking on debt makes financial sense for your company's situation and future goals.   In this guide, we’ll explore how to calculate the cost of debt, why it matters to your business, and how working with a funding partner like Swoop can optimize the process. What is the cost of debt? The cost of debt refers to the overall cost that a company pays on borrowed money. This includes loans, bonds, credit lines, or any other form of debt financing. The cost of debt is how much interest a company pays on borrowed money. This includes loans, bonds, credit lines, or any other form of debt financing.   There are two ways most businesses seek new financing — through equity financing or debt equity. With equity financing, an investor will provide capital in exchange for ownership of the company (a percentage of the company’s equity).   With debt equity, a company will receive financing as a loan to be repaid over time with interest. For most loans, the cost of debt depends on the interest rate, closing costs or added fees, and repayment timeline. The higher the interest rate and fees, the higher the total cost of debt.   Why does the cost of debt matter? For...
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### At the end of the financial year: are you ready for the next 12 months?
> Whether last year was your best year, yet, or you are amazed to have survived, a large part of what happens in the future is in your hands.
- Published: 2024-02-14
- Modified: 2025-03-21
- URL: https://swoopfunding.com/uk/blog/ready-for-the-year-ahead/
- Category: Swoop guides, Blog
Swoop looks at how businesses can take advantage of opportunities and make themselves more resilient in the new year. How do you rate last year's performance? A record-breaking thrill ride or a testament to your perseverance? Either way, as we approach the end of the financial year, now is a good time to reflect on lessons learned and how to approach the next 12 months. The future is ripe with potential, waiting for your decisive action. Are you prepared to maintain the status quo, or are you driven to initiate significant change? Will you prioritize customer acquisition, or invest in strengthening existing relationships? Are you actively pursuing new opportunities, or finding efficiencies within your current operations? At Swoop, we're in the trenches with SMEs, engaging with businesses across the spectrum of success. As a new financial year dawns, we're sharing actionable strategies observed to foster resilience and propel growth. Remember: there's no magic formula. Every business is unique and ultimately you are responsible for how you adapt these ideas to suit your specific circumstances. Keeping the books in order Between now and the EOY, you should ensure your financial housekeeping is in good order: Close the books accurately: ensure your financial records are complete and up-to-date. Make sure you reconcile bank statements, categorise all transactions and prepare accurate financial statements such as profit and loss and balance sheet. Minimise outstanding payments: collect outstanding invoices promptly to improve cash flow and avoid bad debts. Offer early payment discounts or consider outsourcing...
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### Swoop's Banking Competition Remedies (BCR) funding journey
> Swoop Finance Limited was awarded funding from the BRC. Swoop set out a programme of initiatives to help drive innovation and improve financial products.
- Published: 2024-02-07
- Modified: 2024-04-15
- URL: https://swoopfunding.com/uk/about-swoop/bcr-funding/
Swoop Finance Limited was awarded funding from the Banking Competition Remedies Fund (BCR) in 2019 (Pool D) and 2021 (Pool F). As part of the funding, Swoop set out a programme of initiatives to help drive innovation and improve the financial products and services which are available to SMEs. Public commitments As part of the award process, all companies agreed to public commitments which were published on the BCR website up until the first quarter of 2024. As BCR finished in December 2023, the companies awarded funding moved into an ‘informal phase’ where all remaining awardees have agreed to continue to report against outstanding public commitments. Previous reporting and remaining public commitments All of Swoop’s previous public commitment reports and updates can be found here. Going forward, all remaining public commitments will be updated on this web page each quarter. Swoop's outstanding deliverables as at 1 January 2024 Public commitments - Pool DOriginal delivery dateForward narrativeCommitment 2Swoop will further invest in its proprietary, cloud-based technology and API enabled platform to deliver a sophisticated all-in-one SME finance platform. This will include a fully integrated marketplace of lenders, grant agencies, equity investors and finance product providers. Where providers have APIs available, Swoop will integrate these into its platform to deliver real-time finance decisions to customers. Swoop will deliver this integrated marketplace by Q2 2020 and will continually add more finance provider APIs as they become available. This integrated marketplace will lead to increased demand and access to funding for SMEs. Swoop will...
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### How merging R&D tax credit schemes will affect your business
- Published: 2024-01-31
- Modified: 2024-04-27
- URL: https://swoopfunding.com/uk/rd-tax-credits/merging-schemes/
Coming into play in April 2024, the new rules should prompt a revision of your business activities - you could make meaningful gains. The government knows that Research and Development (R&D) plays a vital role in driving innovation and economic growth. To that end, support for R&D has been made available, even under challenging economic circumstances. The UK government has decided that R&D tax credits need simplifying and to that end has merged the existing RDEC and SME R&D tax credit schemes in a bid to encourage more businesses to get involved. According to HMRC: “The measure establishes an above the line credit that allows companies to claim for their qualifying R&D costs, including contracted out R&D, and incorporates the more generous SME scheme PAYE and National insurance contributions cap. It also includes restrictions on relief for overseas expenditure which will come into effect for accounting periods beginning on or after 1 April 2024. ” What hasn't changed: this scheme is still open to businesses pursuing genuine R&D projects; the core definition of R&D has been recently expanded and expenditure on things like staff, computer hardware, subcontractors and freelancers and consumables such as water, fuel and power still qualify. Streamlined rates mean the end of juggling different rates. The new scheme offers a unified 20 percent relief rate, which translates to a sweet 15 percent net benefit based on the main corporation tax rate. Plus, the special 27 percent rate for R&D-intensive companies is sticking around for special R&D-heavy businesses. Lose...
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### Funding fundamentals for first time founders
> Your number one role as founder is to manage the money. Whatever your company does, keeping the business solvent is your primary concern. Learn more here.
- Published: 2024-01-18
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/blog/funding-fundamentals-for-founders/
- Category: SME support, Loans, Blog
If you’re planning to start your first business in 2024, here’s what you need to know about funding - and why it matters. You have decided to start your own business. First, congratulations! At Swoop we love entrepreneurs, and here’s why: At the start of 2023 there were 5. 6 million small and medium sized enterprises (SMEs), accounting for 99. 9 percent of the business population, three-fifths of employment and around half of revenue in the UK private sector. SMEs make a huge contribution to innovation, variety and employment. It’s a big, brave move and at Swoop, we salute you. How much money have you got to get going? This is absolutely fundamental. While “regular life” is measured by many metrics such as health, happiness and catching snowflakes on your tongue, when it comes to business, there is a clear line between a company that is a going concern and one that isn’t. And it all comes down to money. Whether this means you have saved six months of salary in your bank account or have secured funds for a management buyout or are investing in a piece of machinery, how you fund your business is important to how you get started and how you keep it going. Half of all businesses fold within five years, so getting the funding right is crucial to making sure you are not one of them. Your number one role as founder is to manage the money. Whatever else your company does, be you...
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### How to get a startup loan
> Startup loans are a great way for a business to launch with a bang: they are offered at a competitive rate and often come with professional advice. Learn more.
- Published: 2024-01-18
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/business-loans/startup-loans/how-to-get-a-startup-loan/
Every business founder should investigate whether a startup loan is right for them Startup loans are a great way for a business to launch with a bang: worth up to £25,000 per company director, they are offered at a competitive rate of just 6 percent (at time of writing, January 2024) and often come with mentoring and professional advice. If your business is less than three years old, you should consider this as a source of funding. Let’s look at what you need to have in place to apply and how to maximise your chances of success. Before you apply Craft a solid business plan: a well-written business plan demonstrates your viability and seriousness to lenders. You’ll find plenty of resources and templates online to help you map out your business idea, market analysis, financial projections, and marketing strategy. Assess your financial needs: it’s important to have a plan about how you will use the money. Show how much capital you need for things such as operations, equipment, inventory, and marketing. Overestimating can see you saddled with unnecessary debt, while underestimating can hold back your growth. Boost your credit score: a strong personal and business credit history will stand you in good stead for future borrowing and indicates the general health of your business. Lenders (and potential future investors) consider your credit score to be a key indicator of your ability to manage finances responsibly. Explore funding alternatives: Startup loans should be considered alongside other sources of funding such as...
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### Is it time for a new Enterprise Allowance Scheme?
> Plenty of businesses are being set up in the traditional way, but many are flickering in and out of life in the more hidden world of social media. Read more.
- Published: 2023-12-13
- Modified: 2024-06-07
- URL: https://swoopfunding.com/uk/blog/is-it-time-for-a-new-enterprise-allowance-scheme/
- Category: Blog
Young people are fizzing with entrepreneurial ideas. It’s time they were given a bit more encouragement Has the work ethic of young people significantly changed?   Many employers would say that yes it has - it’s hard to find young people willing to go in at the bottom level of a company and work their way up.   But the picture is more complicated than “kids these days, eh? ” If you look at the things that boomers and GenXers take for granted, such as home ownership, private pension, free-at-the-point-of-use healthcare and all, the maths doesn’t lie: it’s hard to achieve those with a regular job. At the same time, messages on social media platforms are clear: there are hundreds of routes to additional income by various means and living, breathing, content-making examples of people who have turned their hobbies into viable businesses. The next time someone says they want to be “an influencer”, don’t laugh (because every successful entrepreneur has gone through the “people laughing at them” stage). Instead ask: why not? Entrepreneurialism has changed; while there are still plenty of businesses being set up in the traditional way, many more are flickering in and out of life in the more hidden world of social media, selling to networks of peers who have become accessible through digital platforms.   At Swoop, we’d like to see more of these fledgeling businesses succeed and grow. We are fond of reminding people that SMEs are the backbone of the economy, and the...
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### GenAI: the tools and prompts your business needs
> GenAI tools are often free to try out and because the selling point is the natural language recognition, you don’t need any specialist knowledge. Read more.
- Published: 2023-12-13
- Modified: 2024-06-10
- URL: https://swoopfunding.com/uk/blog/genai-tools-and-prompts/
- Category: Swoop guides, Blog
Generative AI has been a big story - but what can it really do for your business? The big technology news in 2023 has been Generative AI (GenAI) - bots that are able to write text, produce realistic images and much more. Unlike many tech breakthroughs, GenAI is accessible: the tools are often free to try out from the comfort of your own desktop, and because the selling point is the natural language recognition, you don’t need any specialist knowledge to get started.   What is GenAI, and why should I use it? The promise of GenAI is that it can speed up and automate tasks that you would normally need a human to perform. And while every business has different needs, here’s Swoop’s pick of five tools you should check out: they could make a big difference to how you do things.   What AI tools should my business be using? Below those, you’ll also find our tips on how to get the most out of the AI tools you decide to start using. For content Do you find writing emails, social posts and other communications hard work? Jasper might be exactly what you’re looking for to take the weight off your shoulders.   Jasper can help automate the generation of written content, making it useful for any business that needs to produce articles, blog posts, and more. For video creation Video is the most powerful content you can produce: people like to see products in action or see...
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### The seven business books that will help you in 2024
> Reading is one of the habits successful people have in common and at Swoop, we want you to succeed. Here are seven books as recommended by the team members.
- Published: 2023-12-08
- Modified: 2024-05-07
- URL: https://swoopfunding.com/uk/blog/books-that-will-help-you/
- Category: Swoop guides, Blog
People in the habit of reading business books are more successful than those who don’t. Here’s Swoop’s round up of great books to give (or get) this year. If you need an excuse to step away from the screen and bury yourself in a book, here’s the stat to put in your back pocket: people who read seven or more business books per year earn 2. 3 times more than those who only read one book in a year.   Louder for those at the back: reading is working.   Reading is one of the major habits successful people have in common and at Swoop, we want you to succeed - whatever success looks like to you.   Here are the top seven books as recommended by the team members at Swoop. Get through these in 2024 and you’ll have a big tick next to your resolution to improve your prospects! Be More Pirate Do you want people in your business to think differently, to challenge and be challenged, and to stop asking for permission to do what you know is right? You need Be More Pirate! Why? It’s really tempting to follow the crowd and do what others are doing. But if you do that, you’re missing the things that make you unique and special. Why fail at copying others when you can succeed in being yourself? This is a fun, readable book with insights into the surprising history of pirates and what we can learn from them to...
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### Swoop’s year in numbers: 2023
> We went into the Swoop system to pull out some statistics about the deals we’ve done, the most successful sectors, and the customers we’ve helped. Read more.
- Published: 2023-12-08
- Modified: 2023-12-22
- URL: https://swoopfunding.com/uk/blog/2023-roundup/
- Category: Blog
A selection of the amazing stats that mark our biggest year yet It’s been Swoop’s biggest year yet: the Deloitte Fast 50 has placed Swoop as the #1 fastest growing tech company in Ireland. With operations around the world, Swoop is closing in on our goal of giving EVERY business access to the funding it needs to grow. We went into the Swoop data to pull out some statistics about the deals we’ve done, the sectors that have been most successful and the customers we’ve helped in the last 12 months - and they make for interesting reading. If you’re thinking about funding for your business, be in no doubt - you’re in the right place. What’s the average deal size? The average deal size in 2023 was £69,750 - not surprising as Swoop covers borrowing from a credit card to a commercial mortgage. How many countries does Swoop work in? Officially Swoop operates in Ireland, UK, Canada, Australia, South Africa and USA. We’ve also closed deals in Spain and Germany. How old are businesses with successful applications? 47 percent are less than 5 years old. Young companies grow fast - and are among those most in need of funding. From startup loans to ongoing capital needs, Swoop is helping businesses that have set up during or since the pandemic. What’s the most popular product? 43 percent of successful applications are for term loans. In a distant second place are merchant finance deals at 12 percent. What sectors are most...
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### Debtor days: All you need to know
> Cash flow is one of the indicators that a business is doing well. Pay attention to debtors day to make sure your company's health. Read more here.
- Published: 2023-11-24
- Modified: 2024-08-20
- URL: https://swoopfunding.com/uk/blog/debtor-days/
- Category: SME support, Blog
Cash flow is one of the key indicators that a business is doing well. To ensure your company’s financial health, you need to pay attention to the fundamentals including debtor days. What are debtor days? Debtor days is the average time it takes for customers to pay their invoices. The sooner they pay, the stronger your cash flow. If clients keep on delaying payments, it may cause problems like increased debt, costly overdrafts, delayed payroll and vendor payments, and missed growth opportunities. Why are debtor days important? It’s important to find a way to limit the number of debtor days to keep your business’ cash flow healthy. Don’t wait until your working capital is fully stretched due to delayed client payments. Debtor days indicate your company’s liquidity, and it measures your business’ ability to handle unexpected costs and sustain your day-to-day operations. Make sure to calculate and track your debtor days, so you can stay on top of your business and take action before serious cash flow problems arise. The shorter the debtor days, the better. How do you calculate debtor days? Manage your receivables well and improve your company’s liquidity by calculating and monitoring this important metric. Debtor days formula Just follow this formula to calculate your debtor days ratio. Debtors days = (average account receivables / annual total sales ) x 365 days For example, if your average account receivables is 3,000,000 and the annual total sales is 20,000,0000, your debtor days is 54. 75 days Debtors days...
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### Five benefits R&D tax credits can bring to your business
> Funding your business often means taking a blended approach. One way to free up funds for your business is through tax incentives. Read more here.
- Published: 2023-11-22
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/rd-tax-credits/benefits-of-rd-tax-credits/
- Category: SME support, Blog, R&D tax credits
There’s more to this scheme than boosting your bottom line (though it can do that too): why you need to check your eligibility for R&D tax credits.   Funding your business often means taking a blended approach: a business loan here, a grant there, sometimes dipping into savings, sometimes consolidating loans.   One way to free up funds for your business is through tax incentives, and this can often mean getting your accountant involved to find out what’s hiding in the small print of the last budget.   One scheme you should look at straight away is the R&D (research and development) tax credit scheme, designed to boost innovation in UK businesses. To qualify, R&D projects must relate to science or technology, but HMRC takes a broad definition which includes investment into IT systems, data, cloud computing, mathematics, and more. Many companies have had to step up their innovation to overcome restrictions imposed by Brexit and the pandemic, so if you’re building a startup or developing processes and products to meet a demand in an evolving market, it’s likely that you’ll qualify for R&D tax credits.   Great news: R&D tax credits can be claimed for up to two years prior to the date of your claim - so check the diary because you may be able to qualify on activities from 2021.   Why should you claim R&D tax credits? There are great reasons - and not just that they boost your bottom line:  They can help to reduce...
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### Three strategies to hiring the A-team your startup deserves
> Putting together a team could make a difference when it comes to securing funding. What should you consider when assembling your own A-team? Learn more here.
- Published: 2023-11-16
- Modified: 2024-11-18
- URL: https://swoopfunding.com/uk/blog/hiring-an-a-team/
- Category: SME support, Swoop guides, Blog
With VCs keen to work with the best team possible, how do you make sure your talent will attract investors? There is an old saying among VCs that says it’s better to work with an A-team with a B-idea than a B-team with an A-idea. What are the benefits of prioritising the team? Investors need to trust the businesses they work with An experienced team will recognise danger signs early A good team will work together well to resolve issues Putting together a great team could make a big difference when it comes to securing funding. What should you consider when assembling your own A-team to begin with? Here are Swoop’s three strategies for making sure you have the right people around you. STRATEGY #1: Think of your weak spots Your startup will not have the experience or expertise in every field. Be humble, consider which weak spots your startup has and hire to fill those gaps. Some founders may be intimidated by others that have expertise where they are least knowledgeable. Understandably, it can also be very tough to hand over control of your business to others whom they might not know and trust. Consider the knowledge you already have and how long you have spent to acquire this. It is important to be self-aware, think of the value these hires would mean for your startup, rather than shifting your focus to learn the ropes. New hires are important and require extra attention and care. Spend some time on...
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### Are you one of the businesses threatened with closure because you cannot access funding?
> One in ten businesses is said to fail because of funding problems. At Swoop, we’re doing what we can to turn this trend around. Read more here.
- Published: 2023-11-08
- Modified: 2024-07-16
- URL: https://swoopfunding.com/uk/blog/is-your-businesses-threatened-with-closure/
- Category: SME support, Blog
An astonishing one in ten businesses is said to fail because of funding problems. At Swoop, we’re doing what we can to turn this trend around. According to new research, one in ten UK businesses fails because they cannot get enough funding. With SMEs making up a huge proportion of the UK’s businesses, supporting the economy and providing innovation, employment and opportunity across the country, it is no less than worrying that so many of them should be facing closure. The question has to be: why are so many businesses struggling to get the funding they need to survive, let alone thrive? Lack of experience: Many entrepreneurs do not have the experience or knowledge to put together a strong funding proposal. Poor financial planning: Businesses need to be able to demonstrate that they have a clear plan for how they will use the funding and how they will generate a return on investment. Economic downturn: During economic downturns, businesses are often more reluctant to invest in new ventures. Failure to understand the funding market: too many business owners are going to their bank as a first and only option. How can Swoop help your business? Swoop’s mission is to ensure that every business has access to the funding it needs to grow. While there will always be closures - the landscape changes, not every business idea is a good one and competitors will always try to take market share - Swoop is able to help on a number of fronts....
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### Are your clients in the property business? Here’s what you need to know about Professional Landlord Portfolio Lending
> Property is still a great long-term investment. How are you maximising your clients’ portfolios?
- Published: 2023-11-07
- Modified: 2024-03-20
- URL: https://swoopfunding.com/uk/blog/are-your-clients-in-the-property-business
- Category: Swoop guides, Commercial mortgages, Blog
Property is still a great long-term investment. How are you maximising your clients’ portfolios? The property market may have taken a knock with interest rate rises and inflation, but there are still people willing to buy property as an investment - and your clients may be among them. Property is a tangible asset that can appreciate in value over time while the rent provides a steady stream of income. The majority of property professionals utilise long-term debt to support property purchases when they are growing their portfolio. The main reason for this is to increase their budget and buying power. For example, a landlord who has £250k to invest in property may decide that rather than purchase one property outright, it might be a better long-term investment to put down deposits of £62,500 on four properties and use a mortgage to cover the rest of the cost.   Not only does this spread the property investor’s risk around things such as rental voids, it also means they benefit from capital appreciation across four properties, rather than one.   What does the lending landscape look like for this kind of client?   Whilst there are several lenders who specialise in the single asset buy-to-let space, most of these lenders operate by essentially selling ‘off the shelf’ products. With the huge variation in the life circumstances of property professionals and the properties on the market, this ‘one size fits all’ approach is not always the right one. In addition, many of these...
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### How to use grant funding to build your reputation, retain clients and attract new business
> Grants can become a valuable resource and key differentiator for you as an advisor - and it doesn’t have to be hard work. Read more here.
- Published: 2023-10-27
- Modified: 2024-03-20
- URL: https://swoopfunding.com/uk/blog/how-to-use-grant-funding/
- Category: Advisors, Blog, Grants
Grants can become a valuable resource and key differentiator for you as an advisor - and it doesn’t have to be hard work Who doesn’t want a grant? A grant is money you can use within your business and upcoming projects and - here’s the good bit - You don’t have to pay it back! It can, therefore, be really valuable for businesses to know what options are available, so they don’t miss out - and this is an open opportunity for you as an advisor to step up and support them. The most common reasons that business owners give when we ask why they have not accessed grants are: I don’t know where to begin (perceived complexity) There’s nothing available to my business (assumed ineligibility) I don’t have time to go looking for them (they are too busy dealing with urgent matters to tackle what’s important) This lack of expertise and time is a clear opportunity for advisors to step up and provide value to business owners: you can help your clients by proactively reaching out to them about grants that are available to them. The Swoop Grant Finder tool currently shows more than 450 open grants, and with the help of our advisor portal, you can filter what is relevant to your clients by their sector and location.   Discovery Being proactive about what funding is available to your clients is a great way of building a stronger relationship with them, which can help with retention and referrals....
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### How to create the perfect pitch deck - tips & tools
> A pitch deck is an essential for any business seeking to raise equity. It is a critical tool for any business that is looking to raise money. Read more here.
- Published: 2023-10-20
- Modified: 2024-07-15
- URL: https://swoopfunding.com/uk/equity-financing/how-to-create-pitch-deck/
- Category: SME support, Blog, Equity finance
If you’ve attempted to put together a pitch deck, you’ll recognise the feeling of opening PowerPoint, staring at a blank page and thinking: “where do I start? ” What is a pitch deck? A pitch deck is an essential for any business seeking to raise equity: it’s a presentation that entrepreneurs use to sell their business to potential investors. It is a critical tool for any business that is looking to raise money, as it is the first impression that investors will have of your company. A well-crafted pitch deck can be the difference between getting the funding you need to grow and getting stuck where you are. What makes a good pitch deck? A good pitch deck will appeal to the potential investor who makes the decision about whether to find out more about you and your business - or throw it on the reject pile. The most important thing your deck should achieve is to communicate your business idea in a clear and concise way. Investors are busy people, reading many pitch decks every day. If yours does not immediately catch their interest and effectively explain your business model, your target market, and your competitive advantage, expect it to go no further.   Your pitch deck must build credibility with investors. When you present a well-organised and professional pitch deck, it shows investors that you are serious about your business and that you have done your research. Plucky amateurism may charm customers, but a professional investor will need...
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### How to set up as a sole trader
> Being a sole trader means you’re in full control of the business. But while this has its benefits, sole traders also have unlimited liability. Read more here.
- Published: 2023-10-12
- Modified: 2024-06-27
- URL: https://swoopfunding.com/uk/blog/how-to-set-up-as-a-sole-trader/
- Category: SME support, Swoop guides, Blog
If you’re starting a small business, setting up as a sole trader will most likely be the simplest option. To be a sole trader, you must be the single owner of the business, with no partners or directors. But this doesn’t mean you have to be completely on your own as you can still hire employees.   Being a sole trader means you’re in full control of the business. But while this has its benefits, sole traders also have unlimited liability. This means you will be personally responsible for any debts your business takes on and your personal assets could be at risk if your business fails. Unlike limited companies, sole traders don’t need to register with Companies House. But there are a number of other steps you will need to carry out, as we explain in this blog. Setting up as a sole trader You’ll need to register as a sole trader with HMRC if any of the following apply: You earned more than £1,000 from self-employment in the past tax year (between 6 April and 5 April every year) You need to prove you’re self-employed, for example to claim tax-free childcare You want to make voluntary Class 2 National Insurance payments to help you qualify for benefits.   To get started, take a look at the steps below: Choose a business name First up, you’ll need to settle on a business name, but there’s no need to register it. You can choose to trade under your own name...
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### How to promote your business
> Promoting your business is key to ensuring potential customers know what your business offers. Read our handy guide on how to promote your business here.
- Published: 2023-10-11
- Modified: 2024-07-16
- URL: https://swoopfunding.com/uk/blog/how-to-promote-your-business/
- Category: SME support, Swoop guides, Blog
If you’re starting a small business, you’re unlikely to have a huge budget to put behind promoting it. That means any dreams of a dazzling marketing campaign might have to be put on hold. But it doesn’t mean you can’t find an effective way to advertise your business and get it noticed. Promoting your business is key to ensuring potential customers know what your business offers and how you can help them. This comprehensive blog offers some top tips on how to start promoting your business locally, via social media and online, as well as tips on what to avoid. Promoting your business: dos and don'ts Before you start, take a look at the following dos and don’ts. Do... Take a look at your competitors to see how they promote their businesses Know your target audience Consider how you will measure the success of your marketing efforts Have a schedule so that you know exactly what will be promoted and when Don’t...   Use jargon and buzzwords that your audience might not understand Get disheartened if things don’t go your way immediately. It can take time to get your promotional activities right and learn from your mistakes Spend time on platforms your target audience doesn’t use Focus all your marketing budget on one area How to promote your business locally As a first step, it’s worth developing a local client base as this can enable your business to grow. It won’t massively eat into your budget and can help you...
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### Nurturing your mental health: 9 ways to manage mental health as a business owner
> Running a business can be rewarding, but it also comes with its set of challenges that can take a toll on you. Read our guide on mental health here.
- Published: 2023-10-09
- Modified: 2024-12-05
- URL: https://swoopfunding.com/uk/blog/mental-health-as-a-business-owner/
- Category: Swoop guides, Blog
Why is mental health important for business owners? Running a business can be immensely rewarding, but it also comes with its unique set of challenges that can take a toll on your mental health. The pressure to make critical decisions, handle financial responsibilities, and manage a team can be overwhelming. In this blog, we'll explore effective strategies for managing your mental health as a business owner. 1. Prioritise Self-Care: Self-care is often underestimated but is essential for maintaining mental well-being. Make time for activities that help you relax. Whether it's yoga, meditation, reading, or simply taking a walk in nature, incorporating self-care into your routine can reduce stress and improve your mental health. 2. Set Realistic Goals: Setting unrealistic expectations can lead to frustration and anxiety. Instead, set achievable goals and break them down into manageable steps. This not only reduces stress but also provides a sense of accomplishment as you reach each milestone. 3. Delegate and Seek Support: You don't have to do everything yourself. Delegate tasks to capable team members and consider outsourcing when necessary. Seek support from mentors, business advisors, or mental health professionals who can provide guidance and a fresh perspective. 4. Maintain a Work-Life Balance: Balancing work and personal life is crucial. Set boundaries for work hours and ensure you allocate time for family, friends, and hobbies. Disconnecting from work during your downtime allows you to recharge and maintain a healthier mental state. 5. Manage Stress: Stress is inevitable, but how you manage it can...
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### How to get investors to say “yes”
> What does it take to get an investor to “yes”? Read all about how to win investors' trust and secure funding for your business here.
- Published: 2023-10-06
- Modified: 2024-06-26
- URL: https://swoopfunding.com/uk/equity-financing/how-to-get-investors-to-say-yes/
One word. Three letters. But it could be the turning point for your business. What does it take to get an investor to “yes”? In this article we're going to explore the art of winning investors' trust, touching their emotions and triggering their fear of missing out, to secure the crucial funding you require for your startup. . stk-7d4c11f{height:20px ! important} Trust in the investment Your first hurdle as a startup founder is this: Why would someone who doesn’t even know you give you thousands or sometimes millions of pounds? Your pitch deck will do a lot of the ground work here, showcasing your great business with good scalability, commercial traction, and the other vital components. The other part of your issue is why the investors should empathise with you. Being your authentic self is vital in instilling trust and creating a connection with people who are often on the other side of a screen. Transparency is the cornerstone of trust. This means being upfront about your financials, progress, and even the challenges you might face. While it’s important you don’t waste your investors' time with irrelevant information, transparency is about revealing both the good and the bad news. Too often, bad news gets covered up or sugarcoated in hope that things will magically improve; they rarely do, and investors will find out. You need to convince your investors that you are a straight shooter. Otherwise, you are simply setting yourself up for failure. A big challenge is conveying your brand...
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### Your childcare business: does recent legislation mean that now is a bad time to grow?
> You may be wondering if now is a good time to expand your business. On paper, it looks like you should: the market is active and attractive. Read more here.
- Published: 2023-10-04
- Modified: 2024-05-26
- URL: https://swoopfunding.com/uk/commercial-mortgages/childcare-business-mortgage/
- Category: Commercial mortgages, Blog
While promises of free childcare places may put pressure on profits, there are still reasons to be optimistic about the future of your business. If you are running a childcare business, you may be wondering whether now is a good time to expand your operations. On paper, it looks like you should: the children's day care market remains active and attractive as demonstrated by the larger corporate demand with acquisitions featuring heavily.   Underpinning this is the property angle, which makes childcare an attractive sector, since property as collateral reduces risk to lenders. Sector dynamics have been positive in terms of the potential profitability of a well run setting - only enhanced by economies of scale as the operator grows through a number of sites.   In terms of actual users, post-pandemic bounce back is real as demand for places at well regarded settings increases. But here’s the big question: will the recent government legislation offering further free childcare hours hinder that appeal, as operators are challenged by the ability to make their sites financially viable? Experience and observations Change is inevitable, so the strongest operators are those who are strategic in their response to the change in legislation. What can operators do to counteract these new demands placed on childcare businesses? Operators can work on appealing to a higher value demographic with strategic marketing, implement minimum hours policies and charge for additional services to counter the free hours to be made available.   There are sound reasons to be...
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### The questions you MUST ask before adopting embedded finance
> Embedded finance has driven a huge spike in sales. If you're seeking a solutions provider, you need to ensure you’re getting the right one. Learn more here.
- Published: 2023-09-22
- Modified: 2024-06-13
- URL: https://swoopfunding.com/uk/blog/questions-to-ask-before-adopting-embedded-finance/
- Category: SME support, Swoop guides, Blog
If you think embedded finance solutions are the next big thing you’re wrong: they’ve already driven a huge spike in sales online. A recent publication by Bain states that embedded finance solutions are anticipated to surpass $7 trillion by 2026, a figure which includes embedded lending, projected to reach between $80 billion and $90 billion. If you’re seeking to onboard or change an embedded finance solutions provider, you will need to ensure you’re getting the right one: loyalty can be lost very quickly online, so Swoop has put together the most important questions you can ask before you embed finance on your marketplace. What types of embedded finance services do you offer? Understand the range of financial services the provider offers, such as lending, payments, insurance, or credit scoring. Ensure their services align with your marketplace's needs and goals. How do your services integrate with our platform? Inquire about the technical aspects of integration. Ask whether they offer APIs, SDKs, or other integration tools and how these can be customised to fit your platform seamlessly. What Is the onboarding process for sellers? Learn about the onboarding process for your sellers. How easy is it for them to access and use the financial services offered? Does the provider offer support and resources to assist sellers in getting started? What Is the cost structure? Understand the pricing model, including fees, transaction costs, and any revenue-sharing arrangements. Ensure the pricing aligns with your budget and business model. How do you handle compliance and...
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### The Marketplace Revolution: how embedded finance drives growth and customer delight
> Embedded finance is one of the mist significant drivers to growth and seller retention in the competitive market place. Read all about it here.
- Published: 2023-09-22
- Modified: 2024-06-25
- URL: https://swoopfunding.com/uk/blog/embedded-finance/
- Category: SME support, Swoop guides, Blog
The economy has evolved fast - thanks to online marketplaces. By revolutionising the way businesses interact, they have set the stage for substantial growth: by 2024, global B2B marketplace sales will soar to $3. 6 trillion, up from just $680 billion in 2018. Online marketplaces account for a significant 62 percent of total e-commerce spending. As businesses increasingly embrace adaptable and dynamic retail approaches across multiple channels, service models are also evolving.   One of the most significant drivers for growth and seller retention in the competitive marketplace landscape is embedded finance. What difference do embedded finance solutions make? Embedded finance solutions are proving to be essential to marketplaces which compete to offer the most exceptional seller experience. According to Bain, embedded finance solutions for various software platforms, including marketplaces, are anticipated to surpass $7 trillion by 2026. This figure includes embedded lending, projected to reach between $80 billion and $90 billion. Top-tier marketplaces have successfully harnessed the power of embedded finance to stand out in the crowd, offering their sellers fast and convenient access to business-specific financial products, as well as benefiting the seller with revenue growth and customer retention.   Which embedded finance solutions are good tools for businesses? Looking at the growth trajectory of embedded finance solutions should inspire business marketplaces to give easy finance options to their sellers as well. These options should include term loans, revolving credit facilities, and merchant cash advances. The ideal solutions will depend on many factors, such as the nature of...
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### How to download a bank statement
> If your business uses online banking, there might be times when you need to download a bank statement. Read all about the process in our guide.
- Published: 2023-09-18
- Modified: 2024-04-19
- URL: https://swoopfunding.com/uk/blog/how-to-download-a-bank-statement/
- Category: SME support, Swoop guides, Blog
If your business uses online banking, there might be times when you need to download a bank statement. If you’re not quite sure what the process involves or how to go about it, this blog runs through all you need to know. What is a bank statement? A bank statement summarises all of your business transactions over a set period of time. This is usually one month (or 30 days). Whether it’s a paper copy or a digital one, a bank statement enables you to quickly view all the financial transactions that have gone into and come out of your business bank account, as well as what your current bank balance is. Business bank statements provide valuable information and can help you to better manage your business finances, so it’s certainly worth understanding how they work. Some of the information listed on your bank statement includes: Your bank’s information: This might include the name, address and phone number of your bank. Your business information: Including the name of your business and address, plus your account number and sort code. Account summary: This shows the account balance at the beginning and end of the set period (usually a month), as well as the total deposits and withdrawals. Individual transactions: The main part of the bank statement highlights the date, description, amount and account balance after each transaction. How to download a bank statement online Managing your business bank account online makes it quick and easy to view your banking transactions and...
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### Business models: Types, examples, and how to design one
> Every business needs a business model, no matter what industry they operate in. Read more about business models, what they are, and how to design them here.
- Published: 2023-09-18
- Modified: 2024-06-27
- URL: https://swoopfunding.com/uk/blog/business-models-types-examples-and-how-to-design-one/
- Category: SME support, Swoop guides, Blog
Every business needs a business model, no matter what industry they operate in. Taking the time to assess what type of business model will help you achieve your goals as well as understanding how to design one is key to helping you succeed. Here’s what you need to know. What is a business model? In a nutshell, a business model is a company’s plan for making money. It should outline: What product or service the company will sell How it plans to market it Who the target market is What expenses the company will face How the company expects to make a profit. A business model can help new businesses attract investment as well as motivate team members. It should cover projected startup costs and include a marketing strategy and competitor review. It should help potential investors understand exactly how the business makes money. But business models are also useful for established companies. These businesses should take the time to regularly review and adapt their business model to be able to anticipate trends and challenges that lie ahead.   Keep in mind that while a business model and a business plan are both key elements of your overall business strategy, they are not the same. A business model shows how your business will generate revenue and reach profitability, while a business plan digs a little deeper and looks at how you will implement your business model. This includes looking at operational practices and what goals you need to reach by...
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### How to run a successful business
> You hear the term ‘successful business’ quite a lot, but what does that mean? Find out here, and our top tips for running a successful business with Swoop.
- Published: 2023-07-12
- Modified: 2024-06-25
- URL: https://swoopfunding.com/uk/blog/how-to-run-a-successful-business/
- Category: SME support, Swoop guides
More than three-quarters of a million new businesses were launched in the UK in 2021-22. They joined the millions of existing organisations that already power our economy. Some of these many businesses will fail, but many others will succeed, with some becoming giants and major household names. But what is it that makes the difference between a business that succeeds and one that doesn’t, and how can you ensure your business is in the winning circle? Read on to discover all you need to know about running a successful business. How do you define 'success' You hear the term ‘successful business’ quite a lot, but what does that mean? For many people, it means a business that makes strong profits and for the owners, delivers wealth and a good lifestyle. However, the truth is, ‘success’ in business can mean many things: It could mean delivering ground-breaking innovation and creating revolutionary products and services. Or it may mean giving your customers the best customer experience possible. For some, like non-profits, success may mean helping others and delivering on a cause or a mission. Or it may just mean you get a lot of satisfaction out of what you do. So, success in business can mean whatever you want it to mean, but no matter what your definition is, sticking to a plan and keeping sight of your goals are essential to succeed.   What are the steps to running a successful business? Building and running a successful business is hard work...
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### Small business bookkeeping: The complete guide
> A business without bookkeeping is a business risking failure. Bookkeeping builds the financial records that are essential for success, provides order and more.
- Published: 2023-07-10
- Modified: 2024-06-13
- URL: https://swoopfunding.com/uk/blog/small-business-bookkeeping-the-complete-guide/
- Category: SME support, Swoop guides
A business without bookkeeping is a business risking failure. Bookkeeping builds the financial records that are essential for success, provides order and structure to business performance, and gives business owners and managers clear sight of how well their business is working. What is bookkeeping? Bookkeeping is a vital role for the smooth functioning of a small business. It involves the day-to-day recording and reporting of an organisation’s financial information, and it is different to accounting, which is the process of using the business’ data to establish its financial position and make decisions about how the finances are managed. Bookkeeping involves a variety of activities, including: Keeping sales and purchase ledgers to track income and expenses Monitoring cashflow Making payments to suppliers Chasing payments from customers Ensuring the business pays its taxes on time and pays the correct amount due Claiming tax back against business expenses Managing staff payroll and paying and reporting PAYE to HMRC Why do small businesses need to do bookkeeping? Bookkeeping is necessary for these important reasons: It allows the business to keep on top of money owed to suppliers and from customers, understand its cash position and cashflow, and to measure its financial performance. It ensures the business does not fall foul of late charges or penalties from HMRC or miss other mandatory expenses, such as business rates. It gives the business the records and information it will need to secure loans and credit from banks and suppliers, or grants from public sources. It allows the...
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### 10 reasons why you need a business bank account
> Read our handy guide here to discover all you need to know about opening or switching a business bank account, along with its benefits and associated costs.
- Published: 2023-07-10
- Modified: 2025-01-14
- URL: https://swoopfunding.com/uk/business-bank-accounts/why-you-need-a-business-bank-account/
- Category: SME support, Swoop guides
In 2024 there were almost 5. 5 million SMEs in the UK*, a 1% decrease (56,000 businesses) from the year before. Running your own business or working for yourself has never been more popular. However, too many of these businesses, (especially startups), are making life harder for themselves – because they either lack a dedicated business bank account, or the business bank account they have is not fit for purpose, (which means they’re missing out on business banking deals and services that could save them time and money). So what should UK businesses who find themselves in this situation do? Read on to discover all you need to know about opening or switching a business bank account. Get a bank account that’s built for business and make your business’ money work as hard as you do.   What is a business bank account? It’s a bank account opened in the name of a business and that’s suitable for limited companies, partnerships, sole traders, freelancers and gig workers. A business bank account is used solely for business transactions, and it is separate from your personal account. Many business bank accounts are simple money-in, money-out arrangements, usually with a debit card attached. However, there are other business bank accounts that can manage payroll for employees, handle tax payments and refunds, issue invoices, and support your accounting systems. Depending on the way your business operates, there’s almost certainly a business bank account to suit your specific needs. Do I need a separate business...
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### Best business banking apps
> Modern business is a 24/7 experience, with many UK SMEs working round the clock, or needing access to their money any time of day. See our comparison here.
- Published: 2023-07-10
- Modified: 2024-06-26
- URL: https://swoopfunding.com/uk/business-bank-accounts/best-business-banking-apps/
- Category: SME support, Swoop guides
Modern business is a 24/7 experience, with many UK SMEs working round the clock, or needing access to their money any time of day. Business banking apps are the digital passport to complete banking freedom, giving account holders control of their cash, anytime, anyplace, anywhere. Read on to learn more about the UK’s best business banking apps and how they can unlock a whole new world of business opportunities.   What is a business banking app? It’s a digital banking application that operates via your mobile phone or as a desktop version that you can access via your computer. Business banking apps give the account holder real-time access to their money, plus a host of banking services, such as payments, transfers, transaction histories, loans, automatic invoicing, and foreign currency exchange. Business banking apps are operated and provided by two types of financial institution – the traditional high street banks, and ‘challenger banks’ who are the newer, digital rivals attempting to revolutionise the way UK SMEs bank. Many of the challengers do not call themselves banks, they prefer to be known as ‘digital platforms’, but the services they offer often mimic those provided by the old guard such as Santander and Barclays Bank. Why use a business banking app? In a word, convenience. Since the arrival of true open banking in 2005 it has become much easier for SMEs to access their business bank account, and now, businesses – limited companies, sole traders, freelancers and gig workers – expect to be...
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### Best card machines for UK small businesses
> If your business takes payments from customers in-person, either for retail purchases, or for services you definitely need a card machine. We compare them here.
- Published: 2023-07-10
- Modified: 2024-07-16
- URL: https://swoopfunding.com/uk/blog/best-card-machines-for-small-businesses/
- Category: SME support, Swoop guides
For many centuries, cash was king, powering the growth of industry, commerce and innovation. But that’s no longer the case. Cash is rapidly disappearing from our wallets, purses and high streets, replaced by digital currency that we access via cards and phones. Without physical money, small businesses have quickly embraced new methods to collect payments from their customers – so say goodbye to cash and hello to the card machine, the absolutely essential business tool for retailers, traders, and hundreds of thousands of UK SMEs. Does my business need a card machine? If your business takes payments from customers in-person, either for retail purchases, or for services like plumbers, electricians, hair stylists and more, then yes, you definitely need a card machine. A recent report found that 23 million people in the UK used virtually no cash in 2021/22, and that by 2033, less than 6% of consumer purchases will be made with cash. What does this mean for UK SMEs? It means those businesses that do not offer customers the option of paying with a debit or credit card at the point of sale will be left behind as the UK becomes a cashless society.   Read on to discover all you need to know about card machines, and which one is best for your business. Which card machine is best for a small business? Card machines have come a long way since the old-school chip and PIN machines. Many affordable, app-based machines that connect to mobile devices via...
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### Nations and Regions Investment Funds explained – what are they? Is my business eligible?
> The Nations and Regions Investment Funds are a collective £1.6bn investment fund created to drive economic growth for growing businesses from across the UK.
- Published: 2023-07-06
- Modified: 2024-04-03
- URL: https://swoopfunding.com/uk/blog/nations-and-regions-investment-funds/
- Category: SME support, Loans, Investment, Funding resources, Blog
A sustainable and prosperous UK economy should mean that businesses thrive across the region - not just in a few cities. That's why Swoop and the British Business Bank are on a mission to break down barriers to finance for the country’s SMEs. We want to make sure that access to funding is fair for everyone, regardless of gender, ethnicity, or where in the UK they’re located. What are the Nations and Regions Investment Funds? The Nations and Regions Investment Funds are a collective £1. 6bn investment fund created to drive economic growth and local opportunities for new and growing businesses from across the UK. All sectors can benefit from the business loans and equity finance available, regardless of the economic conditions. How has the £1. 6bn been divided between regions? It was announced in the Spending Review 2021 the new £1. 6bn pool of SME funding would divided into 6 regional funds, all with varying amounts - The Northern Powerhouse Investment Fund will receive £660 million and has expanded to cover the north east of England. The Midlands Engine Investment Fund has been allocated £400 million. A brand-new South West Investment Fund has been created with £200 million being set aside, building on the success of the Cornwall and Isles of Scilly Investment Fund. Scotland is getting a new Investment Fund worth £150 million. Wales has a dedicated Investment Fund worith £130 million. FInally, Northern Ireland will benefit from a £70 million Investment Fund. The British Business Bank has...
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### Why cash flow is the hidden risk of successful grants and R&D tax credit applications
- Published: 2023-07-06
- Modified: 2024-03-21
- URL: https://swoopfunding.com/uk/blog/why-cash-flow-is-the-hidden-risk-of-successful-grants-and-rd-tax-credit-applications/
- Category: Advisors, R&D tax credits, Grants
Ignore the myths, grants and R&D tax credits can work together. Just beware of leaving your clients short of working capital. At Swoop, we love working with advisors to help your business clients access all the help they need to thrive. That's why we’re always on the lookout for new and innovative ways to save your clients money. We see too many businesses miss out on the benefits of grants and Research & Development tax credits - and feel that as an Advisor, you’re in a great position to make sure your clients don’t miss these opportunities. But what's the difference between the two? Grants can be used to offset the costs of specific upcoming projects, and they're typically awarded to businesses that are working on innovative new products or services. R&D tax credits, on the other hand, are available to a wider range of businesses that carry out research and development, regardless of whether the results are commercially successful. In other words, the bigger grants are for upcoming, innovative projects that have not yet been carried out, whereas R&D is to be claimed retrospectively. Business owners may find they qualify for either a grant or an R&D tax credit; even better, they may qualify for both. This is good news for those who believe they have to make a choice between grants and R&D tax credits as many businesses can do both: businesses may use a grant to offset the costs of qualifying R&D expenses, which can then be...
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### Make VAT work for you: with Swoop, you can turn a problem into an opportunity
- Published: 2023-07-04
- Modified: 2024-06-13
- URL: https://swoopfunding.com/uk/blog/make-vat-work-for-you-with-swoop-you-can-turn-a-problem-into-an-opportunity/
- Category: VAT finance, Blog
Innovative products aimed at helping businesses deal with their tax commitments could unlock capital that can boost your bottom line. When your business has to register for VAT, it’s a real threshold moment for many. On one hand, it shows you’re a serious business with serious revenue: it may have taken years to build up to this point. On the other hand it may be that you’ve started your business with VAT already in mind and registered straight out of the gate. Either way, right now, VAT is likely more of a problem than an opportunity - but that could be about to change. When you register for VAT you essentially become a tax collector for HMRC: you charge a markup on products and services that you offer and every quarter, pay this to the government. In return, you get a refund on any VAT you have paid out on business expenses. It’s quite a cumbersome process of calculating who owes how much, paying in and claiming back. As well as putting the burden on the business to make sure they’ve got their numbers right (and penalties if you get it wrong), businesses face what can be a hefty bill every quarter. This can cause cash flow problems and hurt your business. Fortunately there are ways to make it easier to work out monies owed and owing; there may even be a way to take advantage of the pay in / refund system that could put a little more cash...
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### Soft asset finance: What you need to know
> Soft assets refer to intangible or non-physical assets that hold significant value for businesses. Read more about soft assets and how to finance them here.
- Published: 2023-06-30
- Modified: 2024-10-01
- URL: https://swoopfunding.com/business-loans/asset-finance/soft-asset-finance/
- Category: SME support, Asset finance, Swoop guides
When it comes to financing your business, it's important to understand the concept of soft assets. What is classed as a soft asset? Soft assets refer to intangible or non-physical assets that hold significant value for businesses. These assets can include intellectual property, software, licenses, trademarks, patents, and even specific types of equipment, such as commercial ovens used in the catering sector. Difference between a hard and a soft asset It's crucial to differentiate between soft and hard assets. Unlike soft assets, hard assets are tangible and physical items that have intrinsic value, and maintain their value more than a soft asset. Hard assets typically include vehicles (cars, trucks, buses and coaches, and agricultural machines such as tractors), industrial machinery, plant equipment (yellow metal), and engineering equipment. Assets that are outside of this range will fall under the soft asset category. The primary distinction lies in the nature of these assets. Soft assets, being intangible, can be challenging to value accurately. Traditional lenders often hesitate to provide financing for soft assets due to the absence of physical collateral. This is where soft asset finance comes into play, offering tailored funding solutions that address the unique characteristics of intangible assets. What are the benefits of financing soft assets? Financing soft assets offers several advantages for businesses that heavily rely on intangible assets. Consider the following benefits: Preserving cash flow: Soft asset financing allows businesses to preserve their cash flow by spreading the cost of acquiring or developing intangible assets over time....
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### Up and up: how rising inflation affects interest rates - and what it means for SMEs
- Published: 2023-06-30
- Modified: 2024-06-26
- URL: https://swoopfunding.com/uk/blog/up-and-up-how-rising-inflation-affects-interest-rates-and-what-it-means-for-smes/
- Category: Interest rates, Blog
Inflation is going up, but why? Swoop looks behind the headlines and explains why the economy behaves in the way it does. AUTHOR: Owen Hawkins This week, the Bank of England increased interest rates to five percent in response to the high level of inflation. Should this worry you as an SME? Understanding topics such as inflation and interest rates can provide your business with key knowledge on what is happening in the current economic climate. In turn this can assist you in making decisions for the future of your company. This article will help you understand how interest rates and inflation work, how they affect your business - and what you can do about it. What inflation and interest rates are, and how they affect you Inflation This is an increase in the average price level of an economy. This means that goods and services become comparatively more expensive. Inflation is calculated by measuring the cost of a typical basket of goods. The faster the prices rise, the higher the level of inflation. For example: a new computer that cost £950 last year might cost £1,200 today. Although this means that the cost of equipment, raw materials and products your business buys is going up, there are some benefits: investors are incentivised to put more money into growing businesses as their investments would be worth more after the value has inflated. Interest rate Interest rates define the cost of borrowing. The higher the percentage, the more you have to...
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### How to get venture capital (VC) funding
> If you’re looking for funding to help get your business off the ground or to help it expand, venture capital funding is one option worth exploring. Read how here.
- Published: 2023-05-30
- Modified: 2024-04-29
- URL: https://swoopfunding.com/uk/equity-financing/how-to-get-venture-capital-funding/
- Category: SME support, Equity finance
If you’re looking for funding to help get your business off the ground or to help it expand, venture capital (VC) funding is one option worth exploring. It won’t be the right choice for every business, but if you think it could work for you, here’s what you need to know.   What is venture capital funding? Venture capital funding is a type of financing that investors provide to startup companies and early-stage businesses that are believed to have long-term growth potential.   Venture capital can be thought of as a subset to private equity. Venture capitalist firms tend to invest in promising startups that need growth capital and business expertise to help take them to the next level. Private equity firms, on the other hand, tend to invest in established businesses that might want a cash injection or new strategy to move them forwards.   How do venture capital funding investors differ from traditional investors? Venture capital investors tend to offer financing to startups and small businesses that are likely to generate high rates of growth and above-average returns. Venture capital funding tends to come from wealthy investors, investment banks and other financial institutions.   VC firms have considerably more to invest (typically more than £250,000) compared to other investors because they typically pool funds from other investment companies, large corporations and pensions. In return for their investment, they get a large stake in the company. This means they will have a say in how you run your business,...
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### How to finance property development
> If you want to invest in a property development project and don’t have much cash lying around, it’s likely you’ll need to apply for property development finance.
- Published: 2023-05-30
- Modified: 2024-06-26
- URL: https://swoopfunding.com/uk/commercial-mortgages/how-to-finance-property-development/
- Category: SME support, Commercial mortgages
If you want to invest in a property development project and don’t have much cash lying around, it’s likely you’ll need to apply for property development finance to get your project started.   This guide takes a detailed look at the options available to you so that you can decide which type of finance best suits your financial position and the type of property you’re looking to buy. How does property development finance work in the UK? Property development finance is an umbrella term used to cover a range of different finance options that can help you to buy a property you want to develop, refurbish or convert or even to help you build a property from scratch. Development finance can cover term loans, bridging loans and commercial mortgages.   Bear in mind that eligibility criteria can vary depending on the type of finance you require. Some lenders will focus heavily on your personal credit score and financial circumstances, while others will prefer to look at your business plan. Be sure to check the eligibility criteria closely before you apply for property development finance, as you might be better suited to certain options. Private property development finance If you’re looking to invest in private residential property, private property development finance can offer the funds you require. You can apply for this type of finance whether you’re a private individual, residential property developer, or property or building company.   It’s worth having a detailed investment strategy in place before you apply...
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### How to buy a business with bad credit
> Don’t let bad credit stand in the way of a great business. You may have to clear some extra hurdles to secure the financing you need, but it can be done.
- Published: 2023-05-25
- Modified: 2024-06-26
- URL: https://swoopfunding.com/uk/blog/how-to-buy-a-business-with-bad-credit/
- Category: Business acquisition, Swoop guides
Don’t let bad credit stand in the way of a great business. You may have to clear a few extra hurdles in order to secure the financing you need, but it can still be done. Here’s some information to help make it happen. Let’s start with the good news. Your credit score is only one of five criteria that financial institutions traditionally assess when considering a business loan application. So, even if you have bad credit, you still have an opportunity to show a potential business loan provider your other strengths. Here are the five Cs of business loan credit: Character: How credible and trustworthy are you? While your credit score is part of the answer here, there is also your education, your work history, your entrepreneurial experience, and your notable accomplishments. Capital: How much capital (money) are you investing in the project? The more capital you contribute as a percentage of the overall project, the more committed you will be, and the less risk you are asking the lender to take on. Capacity: How much debt will you be carrying? Your debt-to-income (DTI) ratio looks at how much you make versus how much you are paying towards debt on a regular basis. Your capacity to borrow is generally limited by a maximum acceptable DTI. Collateral: Is there a home or other asset that the lender can seize if you fail to repay? Having collateral to pledge can greatly reduce the risk to the lender. This makes it easier to...
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### How to calculate corporation tax
> The main tax that a limited company must pay is corporation tax. Here, we cover everything you need to know about calculating how much you owe.
- Published: 2023-05-18
- Modified: 2024-05-01
- URL: https://swoopfunding.com/uk/blog/how-to-calculate-corporation-tax/
Understanding your taxes is an important part of running a business. Taxable income has to be calculated and paid to enable your business to continue operating. The main tax that a limited company must pay is corporation tax. This is a tax on your business profits, so any money your business makes after overheads and expenses have been deducted. Here, we cover everything you need to know about calculating how much you owe. What is small business corporation tax? All limited companies registered in the UK must pay corporation tax, no matter their size. Companies must register for corporation tax when they set up as a limited company.   Corporation tax is paid annually to HMRC and must be paid both on your company’s profits and on any gains from selling assets such as land or shares that have increased in value. You must pay your tax within nine months of the end of your financial year.   Crucially, it’s your company’s responsibility to calculate how much tax is owed and pay it to HMRC before filing your company tax return. Your tax return must be filed within 12 months of the end of your financial year, so you’ll need to prepare it well ahead of the deadline to know how much tax you owe.   Sole traders and partnerships don’t need to pay corporation tax as they must pay income tax through self-assessment instead.   How to calculate corporation tax for small businesses and startups To work out your...
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### How to check your business credit score
> Your business credit score can help determine whether your company will get accepted for credit. This guide explains how to check your business credit score.
- Published: 2023-05-18
- Modified: 2024-05-30
- URL: https://swoopfunding.com/uk/business-credit-scores/how-to-check-your-business-credit-score/
Your business credit score can help determine whether your company will get accepted for credit such as a business loan, or business credit cards, as well as the interest rate you’ll be charged. Just like your personal credit score, the higher your business credit score, the better your chances. This guide explains everything you need to know, including how to check your business credit score. What is business credit? Your business credit score represents your company’s creditworthiness. This means it shows potential lenders, investors or suppliers how well you’ve managed your finances in the past and whether you have a good track record of repaying what you owe on time. Business credit scores in the UK are calculated by credit reference agencies (CRAs) such as Credit Passport, Experian, Equifax, Creditsafe and Dun and Bradstreet. They do this by looking at financial information such as the type of accounts you file and whether you file them on time, your history of paying bills and credit repayments, and whether you have a County Court Judgment (CCJ) or insolvency proceedings against your business.   Different CRAs have their own way of calculating credit scores, so you won’t have one single business credit score. It can vary depending on the CRA. Different lenders will also use difference credit agencies, which means it’s worth checking your credit score across the different CRAs.   Most CRAs use a numerical scale from 0 to 100, with 0 being the worst score you can get and 100 being...
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### How to pitch a business idea
> It can be easy to come up with a business idea, but knowing how to pitch it is an entirely different matter. Read our top 5 steps for a successful pitch here.
- Published: 2023-05-14
- Modified: 2024-06-27
- URL: https://swoopfunding.com/uk/blog/how-to-pitch-a-business-idea/
- Category: SME support, Swoop guides, Blog
It can be easy to come up with a business idea, but knowing how to pitch it is an entirely different matter. Pitching a business idea can be a nerve-wracking experience, but doing it effectively is key to getting others on board and turning your vision into reality. To help set you up for success, here’s our step-by-step guide on how to pitch a business idea.   What makes a great pitch? A great pitch needs to grab the attention of your listener and give them a clear picture of your idea or concept. To do this, it’s crucial that you fully understand your idea, your growth strategy and your overall business plan. You need to understand the steps that are required to make your idea a reality and be able to instil confidence in your investors that they can expect a return on investment.   To have the best chances of persuading others that it is a worthwhile investment, you’ll need to be able to show complete confidence in your business idea when you’re pitching it. Pitch a business idea in 5 steps: Identify your target audience As a first step, it’s crucial that you research potential investors to establish who you need to pitch to. Getting the right investment is not only about money – it’s also about building a partnership. When researching investors, consider factors such as the types of industries they invest in. This can help you to tailor your pitch and concentrate on their priorities....
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### How to do a stocktake
> Controlling your stock is important if you want to accurately measure performance. Here we cover all you need to know about how to do a stock take.
- Published: 2023-05-13
- Modified: 2024-04-19
- URL: https://swoopfunding.com/uk/blog/how-to-do-a-stocktake/
- Category: SME support, Swoop guides, Blog
Controlling your stock is important if you want to be sure you’re accurately measuring efficiency and performance. This guide covers all you need to know about how to do a stocktake. What is a stocktake? A stocktake is the process of counting and recording the amount and value of stock a business currently has.   It’s best to carry out a stocktake at regular intervals, say every month, so that you can keep track of how much stock you have. You can choose to carry out your stocktake manually or with the help of technology, but the aim is to get an accurate count of everything.   Why are stocktakes important? Stocktakes are important because they help with your stock control. If you’re a business that sells food, for example, you will need to know when items are due to go out of date so that you can take them off the shelves and restock them with fresh products. A stocktake can also be used to: Help determine the cost of goods sold Reduce overstocking on items you don’t need Ensure you have enough of a certain product to meet demand Assess whether your ordering process is efficient  Identify any missing or damaged items.   Regular stocktakes will also show you how much of your cash is tied up in stock and help you maintain a good cash flow. What records do I need to keep during a stocktake? When you carry out a stocktake, you’ll need to have a...
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### How to set up a cleaning business
> Thinking about starting your own cleaning business? Here’s everything you need to know about the process of getting set up in our handy guide.
- Published: 2023-05-12
- Modified: 2024-07-16
- URL: https://swoopfunding.com/uk/blog/how-to-set-up-a-cleaning-business/
- Category: SME support, Swoop guides, Blog
Thinking about starting your own cleaning business? Here’s everything you need to know about the process of getting set up, from carrying out research and buying the right equipment to writing a business plan and hiring staff.   Why start a cleaning business? There are many benefits to setting up a cleaning business. For a start, it’s a business that’s in demand. According to the British Cleaning Council’s 2022 report, the cleaning industry contributed £58. 9 billion to the UK economy in 2019. It also employs 1. 47 million people which equates to 5% of the UK workforce, ensuring that the industry remains one of the top 10 biggest industries in the UK. Another advantage of setting up your own cleaning business is that startup costs are low. You won’t require a storefront and there are no upfront costs associated with buying stock as you won’t be selling products. All you’ll need is suitable cleaning products, a mode of transport and insurance.   Further benefits include flexible work schedules where you can pick and choose your own hours, the option to turn down jobs you don’t fancy, and the fact you don’t need to have stacks of qualifications to get started.   Key steps to starting a cleaning business Market research If you’ve decided to go ahead and start your own cleaning business, your first step is to carry out some market research. You need to think about what type of cleaner you want to be and what market you...
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### How to create a business PayPal account
> Setting up a business PayPal account can enable you to take payments for products and services without the need to pay for a pricey merchant account.
- Published: 2023-05-12
- Modified: 2024-07-08
- URL: https://swoopfunding.com/uk/blog/how-to-create-a-business-paypal-account/
- Category: SME support, Swoop guides, Blog
Setting up a business PayPal account can enable you to take payments for products and services without the need to pay for a pricey merchant account. But while many people know how to set up a personal PayPal account, not as many are as familiar with how to create a business PayPal account. Here’s our step-by-step guide to help you. What is a PayPal business account? A PayPal business account is simply an account used by businesses to send and receive payments. It can be used to process payments online and in person and you can link it up with your business bank account to transfer your money.   PayPal business accounts come with a range of tools and features to help you set up online payment buttons or electronic shopping carts. Customers don’t need to have a PayPal account to pay you as your business account can accept a range of payment types online.   As well as online payments, you can also take payments on the go and in person with a Zettle card reader (part of the PayPal family) and your smartphone, which will enable you to process card and contactless payments and track sales.   Alternatively, customers can pay by scanning a QR code using the PayPal app, or you can get paid by email by creating and sending invoices through your business account. The invoice is sent straight to your customer’s email inbox and they can then pay you online using their credit card or...
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### How to set up a courier business
> If you’re considering starting your own courier business, it’s important to do your research first. Here’s our guide on how to increase your chances of success.
- Published: 2023-05-12
- Modified: 2024-07-16
- URL: https://swoopfunding.com/uk/blog/how-to-set-up-a-courier-business/
- Category: SME support, Swoop guides, Blog
If you’re considering starting your own courier business, it’s important to do your research first. Here’s our handy guide on how to set up a courier business and increase your chances of success. Why start a courier business? The COVID-19 pandemic and associated lockdowns have helped to contribute to a rise in demand for courier services as increasing numbers of people shop online and expect items to be delivered to their door.   On top of this, more people are choosing to buy and sell second-hand items on sites such as eBay, Vinted and Depop, which means more couriers are needed to deliver the goods. However, the courier industry is also very competitive and you’ll be competing against the likes of Royal Mail and Parcelforce, along with the larger national firms such as Yodel, TNT, DPD, DHL and Evri (formerly Hermes).   This means that if you’re thinking about launching your own courier company, you’ll need to carry out some research in your area beforehand to establish how you’re going to position yourself and stand out from the rest of the competition.   Key steps to set up a courier company: Market research Your very first step is to carry out some thorough market research. You need to find out whether there is enough demand for another courier service in your area and how much competition there is.   Look at other courier businesses to work out: How much they charge and the type of services they offer Whether they...
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### How to become an accountant
> If you have strong analytical skills, are good with numbers and enjoy building relationships with people, a profession in finance might be something to consider
- Published: 2023-05-02
- Modified: 2024-05-10
- URL: https://swoopfunding.com/uk/blog/how-to-become-an-accountant/
- Category: SME support, Swoop guides, Blog
If you have strong analytical skills, are good with numbers and enjoy building relationships with people, a profession in finance might be something to consider. This guide runs through everything you need to know about how to become an accountant.   What is accountancy? Accountancy is the practice of recording, classifying and reporting on transactions for a business. Accountants provide feedback on this data to help businesses better understand their financial health and make more informed decisions.   An accountant’s responsibilities can vary between industries, but some of these might include: Tracking and examining company income and expenditure Preparing business accounts, forecasts and budgets Planning investments Running payroll and conducting audits Identifying financial risks Calculating tax owed and filing tax returns and month-end accounts Why become an accountant? Accountancy is a skill that’s in constant demand and is often considered to be recession-proof. When times are tough, departments such as sales and marketing tend to suffer, while much of the focus switches to the finance department to see where things can be improved. In addition, becoming an accountant allows you to work in almost any industry – almost all industries need finance professionals to help them. Plus, you might be able to carry out the role as a self-employed individual or freelancer.   Accountancy also offers excellent job growth and earnings and you don’t need to be a whizz at maths to do it. Although numeracy is important, these days a lot of the number crunching is done by software...
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### How to boost cash flow
> Understanding the steps you can take to boost cash flow is important for SMEs. This guide explains how to boost cash flow & keep your business running.
- Published: 2023-04-28
- Modified: 2024-07-16
- URL: https://swoopfunding.com/uk/blog/how-to-boost-cash-flow/
- Category: SME support, Swoop guides, Blog
Understanding the steps you can take to boost cash flow is important for small businesses. Businesses that successfully manage cash flow tend to be more profitable in the long run, while those that lack the cash to pay for bills, rent and wages are more likely to fail.   This guide explains how to boost cash flow and keep your business running efficiently. What is cash flow? Cash flow is a measurement of the amount of money you have coming in and going out of your business over a period time.   If your cash flow is positive, that means you have more money coming into your business than you have going out. You’ll therefore be able to pay your suppliers, rent, employees and taxes on time.   On the other hand, if your cash flow is negative, you’ll have more money going out of your business than you have coming in. And that can make it difficult to meet your bill payments and other expenses.   Why is cash flow important? Cash flow is important because it enables you to meet your existing financial obligations and also plan for the future. Maintaining a healthy cash flow can help ensure the smooth day-to-day running of your business and help set it up for success.   Understanding your cash flow will mean you can forecast company profits more accurately and identify opportunities for investment, while you can also build up cash reserves to cover you in times of difficulty.   How...
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### How to do a SWOT analysis
> Any growing business needs a roadmap to help it work its way through the challenges and opportunities it’s likely to face. Find out how to SWOT here.
- Published: 2023-04-27
- Modified: 2024-07-16
- URL: https://swoopfunding.com/uk/blog/how-to-do-a-swot-analysis/
- Category: SME support, Swoop guides, Blog
Any growing business needs a roadmap to help it work its way through the challenges and opportunities it’s likely to face. A SWOT analysis can help you with this, so here’s our handy “how to” guide.   What is a SWOT analysis? SWOT stands for strengths, weaknesses, opportunities and threats. A SWOT analysis is a framework used to evaluate how closely a business is aligned with its growth trajectories and success benchmarks. It can help a business identify ways to improve as well as assess negative factors that could get in the way of success. What does each part of a SWOT analysis mean? Below is a breakdown of what each part of a SWOT analysis means: S – strengths. These are all the things your company does well and separates it from the competition. Examples could include a strong balance sheet or brand. It can also include internal resources such as skilled staff or tangible assets such as intellectual property.   W – weaknesses. These are all the things that stop your business from performing at its best and those that your competitors do better than you. This could be high levels of debt or a weak brand, for instance.   O – opportunities. This refers to favourable external factors that could give you a competitive advantage, whether that’s better tax rates or the emerging need for your products or services. T – threats. This refers to everything that poses a risk to your company or its likelihood of...
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### How to set up an online business
> Setting up an online business can be a big decision to make. Here’s everything you need to know about setting up your online business.
- Published: 2023-04-27
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/blog/how-to-set-up-an-online-business/
- Category: SME support, Swoop guides, Blog
Setting up an online business can be a big decision to make. Although websites can be built cheaply and run from the comfort of your own home, you’ll still need to give some thought to the type of product or service you want to launch, how much demand there is and how you’re going to market your product or service.   Here’s everything you need to know about setting up your online business.   Why start an online business? There are many reasons why you might want to start an online business. Unlike with a bricks and mortar business, you don’t need to worry about leasing a property or budgeting for employee wages. Instead, all you will need initially is a computer, a domain name and a website builder, which can make it a significantly cheaper option. Running your business online also means you’re not restricted to one particular location – you can run your business from almost anywhere. You can also sell your product or service to anyone, no matter where they live, which means your customer base might grow each year across the globe. What’s more, because your business is based online, you can remain open 24/7. You don’t need to be physically present for sales, so you can keep generating revenue with less involvement. How to start your online business To help get your online business off the ground, follow the steps below: Conduct market research Once you’ve come up with an idea for your online business,...
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### How to file company accounts
> All companies are required to file their company accounts with Companies House each year. Read how to file your company accounts here in this handy guide.
- Published: 2023-04-21
- Modified: 2024-06-25
- URL: https://swoopfunding.com/uk/blog/how-to-file-company-accounts/
- Category: SME support, Swoop guides, Blog
Filing company accounts is a crucial part of running a business, and can be drawn upon when seeking future financing through business loans or other types of funding. If you’ve never done it before or you’re unsure where to start, this guide takes you through the process of filing company accounts, the deadlines for filing them, and what you need to know about preparing your accounts. Who needs to file company accounts? All companies are required to file their company accounts with Companies House each year. This is a legal requirement, no matter whether you make a profit, loss, are not trading or are dormant. Company accounts must also be filed with HM Revenue and Customs (HMRC) when you submit your company tax return. There is an option to file jointly with Companies House and HMRC via the HMRC website.   What do company accounts contain? Company accounts show how a company has performed over a period of time (typically 12 months). They will usually contain: Profit and loss account: this is an income statement that sets out the calculation of your profit or loss for the reporting year. Balance sheet (statement of financial position): this shows the value of everything your business owns. It also shows any payments your business needs to make, as well as any money owed by debtors, that are due by the last day of the financial year covered by the accounts.   Notes to the accounts: this is used to further explain and break...
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### How to buy and open a franchise
> If you’re keen to set up your own business, buying a franchise could be a good way to get started. Read how to get started and finance a franchise here.
- Published: 2023-04-13
- Modified: 2024-06-25
- URL: https://swoopfunding.com/uk/blog/how-to-buy-and-open-a-franchise/
- Category: SME support, Swoop guides, Funding resources, Blog
If you’re keen to set up your own business, buying a franchise could be a good way to get started. Buying a franchise can be less risky than starting a business from scratch as you’ll be able to buy the rights to sell goods or services from a company that’s already established.   However, as with any business venture, there are also drawbacks to be aware of. Find out how to buy and open a franchise, alongside the advantages and disadvantages here. Advantages of buying a franchise Some of the advantages of buying a franchise are outlined below: The franchise is based on a proven business model: This means you know the product or service already works which can increase your chances of success. A good franchisor should regularly research and update the business model. You might use a recognised brand name: This can make it easier to sell the product and you might benefit from any advertising carried out by the franchisor.   You’re often given training: This can help you to get set up faster, while also learning essential skills.   It can be easier to finance the business: If a business is already up and running, it can be much easier to borrow money to invest in your franchise. You will usually be given exclusive rights to the franchise: This means you’ll have a specified region or exclusive client base.   Disadvantages of buying a franchise Initial startup costs can be high: You’ll need to pay a...
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### Swoop’s guide to starting the new financial year on the right foot
- Published: 2023-04-04
- Modified: 2024-06-27
- URL: https://swoopfunding.com/uk/blog/swoops-guide-to-starting-the-new-financial-year-on-the-right-foot/
- Category: Swoop guides, Blog
If you need guidance on how to make your finances work harder in 23/24, you’re in the right place. The start of the new financial year is a line in the sand that you should use as an opportunity to make your business more profitable and efficient. As a small business owner, it's important to get your finances in order and make sure you're on track to achieving your goals. Here are some tips to help you start the new financial year on the right foot: 1. Reflect and review Take some time to review your business's performance over the past year. Review your profit and loss statement, cash flow statement, and balance sheet to see where your business stands financially. Ask: where did you do well? Where did you struggle? Ask what you would do differently if you had the time again and learn from your mistakes. If the problems look like they are going to come around again, figure out how you’ll handle them now. Aim for a diversity of viewpoints in your reflect and review process to help you make informed decisions that will have an impact on the success of your business. 2. Set new financial goals - and achieve them Based on your review of the past year, set new financial goals for your business. Make them SMART: specific, measurable, achievable, relevant, and time-bound. (For example, you may want to increase your revenue by 20% in the next 12 months. ) Once you have set...
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### How to calculate liquidity
> Liquidity is an important term to understand if you run a business. This handy guide explains all you need to know about liquidity ratios & the different types.
- Published: 2023-03-31
- Modified: 2024-05-08
- URL: https://swoopfunding.com/uk/blog/how-to-calculate-liquidity/
- Category: SME support, Swoop guides, Funding resources, Blog
Liquidity is an important term to understand if you run a business. Liquidity is a company’s ability to convert assets into cash to pay off its short-term obligations or liabilities – those that will become due in less than a year.   This guide explains all you need to know about measuring a company’s liquidity, including the different types of liquidity ratio. What are liquidity ratios? A liquidity ratio is a calculation used to measure a company’s ability to pay off any short-term debt obligations using its current (or liquid) assets. It’s used to indicate whether the business can pay off its debt and business loans with the cash it has readily available, or whether it will need to raise additional capital to do so. It can also show how quickly the assets held can be turned into cash for the debt. Why are liquidity ratios important? Liquidity ratios are important because they can give you an indication of a business’s financial health. As mentioned above, your liquidity ratio tells you whether you will be able to repay your debts. This usually means that you have sufficient cash, bank deposits or assets that can be quickly converted to cash to pay your bills. If you don’t have sufficient liquidity, it’s likely your business will run into financial difficulties. Liquidity ratios are also important to both lenders and investors. Lenders will want to be sure your business has enough current assets to repay its debts, while investors will also look at...
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### How to manage cash flow
> Managing your cash flow is a crucial part of running a business. If your business lacks the cash to pay for wages, bills and rent, it could ultimately fail.
- Published: 2023-03-30
- Modified: 2024-07-16
- URL: https://swoopfunding.com/uk/blog/how-to-manage-cash-flow/
- Category: SME support, Swoop guides, Funding resources, Blog
Managing your cash flow is a crucial part of running a business. If your business lacks the cash to pay for wages, bills and rent, your business could ultimately fail. Here, we explain what cash flow is and how to manage it to help set your business up for success.   What is cash flow? Cash flow is simply a measurement of the amount of money you have coming into and going out of your business in a set period of time.   When you have a positive cash flow, you have more cash coming into your business than you have going out. This means you can pay suppliers, employees, taxes and rent on time. But when your cash flow is negative, you have more cash going out of your business than you have coming in. And in this instance, it can make it difficult to cover bills and other expenses.   Keeping an eye on your cash flow is therefore critical if you want your business to grow. Manage your cash flow in 5 easy steps Below, we’ve outlined 5 easy steps to help you better manage your business’ cash flow. Be proactive in your management Where you can, it’s important to plan ahead. Make sure you know what’s on the horizon in the coming months and ensure you have the funds ready to meet your financial requirements. This will put you in a stronger position to get funding on your own terms and help you better understand your...
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### How to sell a percentage of your business
> There are many reasons why you might want to sell a percentage of your business, but it’s important to understand how to do it in the right way. Read on here.
- Published: 2023-03-30
- Modified: 2024-07-16
- URL: https://swoopfunding.com/uk/blog/how-to-sell-a-percentage-of-your-business/
- Category: SME support, Swoop guides, Funding resources, Blog
There are many reasons why you might want to sell a percentage of your business, but whatever the reason, it’s important to understand how to do it in the right way. Here’s what you need to know. Is selling part of your business right for you? Selling part of your business is not an easy decision to make. However, it might be something you want to consider if you need to raise additional funds for your business, whether you’re looking to expand or pay off debts, or if you want to refocus your business and reduce costs.   Ideally, you want to take a year or two to prepare for the sale as this can help you to improve your financial records, business structure and customer base to make the business more profitable. In turn, this will enable you to keep the business running smoothly and help make the transition process easier for your buyer. Remember, too, that finding a buyer can take several months, so you’ll need to have patience. Why consider selling a percentage of your business? Some of the reasons you might consider selling a percentage of your business include: Reducing responsibilities: If you have too much on your plate, selling part of your business can help reduce some of your responsibilities and allow you to focus on what’s most important for your business.   Raising capital: Selling off a portion of your business can enable you to raise capital which can help you to pay off...
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### How to pay off a cash advance
> If you need cash fast, you might be tempted to withdraw money on your credit card. This guide takes a look at how cash advances work and how to pay them off.
- Published: 2023-03-29
- Modified: 2024-06-13
- URL: https://swoopfunding.com/uk/blog/how-to-pay-off-a-cash-advance/
- Category: SME support, Swoop guides, Funding resources, Blog
If you need cash fast, you might be tempted to withdraw money on your business credit card. Doing so can be a quick and convenient way to get the funds you need. But it can also be very expensive. This guide takes a detailed look at how cash advances work and how to pay them off. What is a cash advance? A cash advance is a way of obtaining immediate funds through your credit card. One of the most popular ways to do this is to withdraw money on your credit card from an ATM.   Most credit cards let you do this in the same way as a debit card. However, the difference is that you will need to pay back the amount you have withdrawn and interest will be added. Interest usually applies immediately – even if you pay off your credit card bill in full that month. What transactions are considered to be a cash advance? As well as withdrawing cash on your credit card, there are a number of other transactions that can be considered a cash advance. These include when you use your credit card to: Buy travel money and travellers’ cheques Buy foreign currency  Buy gift vouchers Make a mortgage payment Pay a utility bill Buy a lottery ticket or scratch card (note that you can no longer use a credit card for other gambling transactions) Transfer money from your credit card to a current account Buy cryptocurrency It’s important to check your card...
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### How to get an EORI number
> If you’re thinking about growing your business internationally, it’s likely you’ll need an EORI number. Here’s everything you need to know about the process.
- Published: 2023-03-17
- Modified: 2024-06-27
- URL: https://swoopfunding.com/uk/blog/how-to-get-an-eori-number/
- Category: SME support, Swoop guides, Commercial mortgages, Blog
If you’re thinking about growing your business internationally, it’s likely you’ll need an EORI number. Here’s everything you need to know about the application process. What is an EORI number? An EORI number is a unique ID code used to track and register customs information in the European Union (EU). EORI number stands for Economic Operator Registration and Identification number and it’s used by customs and other authorities to monitor and track shipments. The EORI system was brought in on 1 July 2009 and replaced the Traders Union Reference Number System.   Who needs an EORI number? You will need an EORI number if your company imports goods into or exports goods from the EU. You might need an EORI number if you move goods: Between Great Britain (England, Scotland and Wales) or the Isle of Man and any other country (including the EU) Between Great Britain and Northern Ireland Between Great Britain and the Channel Islands Between Northern Ireland and countries outside the EU You will also need an EORI number to register for an export licence on SPIRE. However, you won’t need an EORI number if you’re moving goods that are not controlled goods and they are for personal use only. Which type of EORI number you need and where you get it from will depend on where you’re moving goods to and from. You may need more than one. If you don’t have the right EORI number, you may have delays at customs and increased costs.  ...
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### How to get a business mortgage
> You might need a business mortgage, also known as a commercial mortgage, if you’re looking to buy a new building or release equity from an existing one.
- Published: 2023-03-17
- Modified: 2024-07-16
- URL: https://swoopfunding.com/uk/commercial-mortgages/how-to-get-a-business-mortgage/
- Category: SME support, Swoop guides, Commercial mortgages, Blog
You might need a business mortgage, also known as a commercial mortgage, if you’re looking to buy a business that includes property, a new building or release equity from an existing property you already own. Read on to find out how business mortgages work and how to get one.   What are commercial mortgages? A commercial mortgage is a type of loan that is used to buy property or land for commercial use. While standard unsecured business loans can offer funds of up to £250,000, commercial mortgages are suitable for businesses that need to borrow between £50,000 to £25,000,000. Similar to a residential mortgage, you usually borrow the money from a bank or specialist lender and then repay it in monthly instalments over a set term, with interest added on top. However, with a commercial mortgage, the value of the business property or land is usually much greater than it is with a residential mortgage.   Commercial mortgages usually have terms of between three and 25 years and you will usually need a deposit of between 20% and 40%. What are the types of commercial mortgages? The two main types of commercial mortgage are owner-occupied and commercial investment mortgages.   Owner-occupied mortgages are used if you want to buy a property to be used by your own business. This could be your main place of work or a regional location. Commercial investment mortgages, on the other hand, are used to buy a property as an investment – for example if...
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### Funding the future: how tech entrepreneurs can get ideas to market fast
- Published: 2023-03-14
- Modified: 2023-03-14
- URL: https://swoopfunding.com/uk/blog/funding-the-future-how-tech-entrepreneurs-can-get-ideas-to-market-fast/
- Category: Advisors
Speed is of the essence when technology is involved. How a business acquires funding can make all the difference Technology drives economic growth: as an advisor working with a business founder, who is building technology products, it usually means that they have found and solved a problem that is hard for people to solve for themselves. Often, new developments in science and technology create a need for new ways of working, new strategies and new solutions. Through technology, your clients are able to take advantage of these developments and outstrip competitors. What do businesses in technology need to consider when they are raising funding? First, the need for funding is crucial to ensure that products can be developed at a pace so that they can be relevant to their target market. The world of technology moves fast, and delays in R&D can result in obsolescence before a product has even gone to market. Equity investment is a clear opportunity for growing technology companies: as well as providing the all-important funds, VCs will have networks of helpful individuals who will be able to advise and accelerate growth of the business. They will be able to spot and correct weaknesses in the journey from idea to market, suggest fruitful collaborations and see the bigger picture when it comes to new opportunities and novel applications. To get the best from investment in your client’s business, you will need to have a good idea of the investors who would be right for that business:...
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### How to create a marketing strategy for your business
> If you want to succeed in a fast-paced marketing world, it’s important to stay ahead of the game and understand how to appeal to your target market.
- Published: 2023-03-14
- Modified: 2024-07-16
- URL: https://swoopfunding.com/uk/blog/how-to-create-a-marketing-strategy/
- Category: SME support, Swoop guides, Blog
If you want to succeed in a fast-paced marketing world, it’s important to stay ahead of the game and understand how to appeal to your target market. As part of this, you’ll need to know how to create an effective marketing strategy.   This guide explains everything you need to know about creating a marketing strategy for your business. What is a marketing strategy? A marketing strategy is a detailed and structured overview of how a business or organisation will reach, convert and retain new customers. A clear marketing strategy will define measurable goals and outline the target market, audience profiles, competitors and value for customers. It will provide a long-term vision for overall marketing efforts. Why do I need one? There are many reasons why it’s important for your business to create a marketing strategy. Without one, you’ll be reducing how effective your promotional and sales activity will be.   Some of the reasons for have a marketing strategy are outlined below:  Insights into your target audience  Creating a marketing strategy can help you to connect with your target audience, which is absolutely crucial if you want to succeed. As well as identifying who your customers are and what they want from your company, you’ll also be able to understand the different ways of being able to reach them.   Data driven decision making When you create a marketing strategy you can better analyse data which can help you make key decisions. Analysing company data will enable you to...
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### How to finance a new business
> If you’re looking to grow your new business, it’s important to know how to finance it. Read on to discover financing options, and apply with Swoop today.
- Published: 2023-03-13
- Modified: 2024-09-11
- URL: https://swoopfunding.com/uk/blog/how-to-finance-a-new-business/
- Category: SME support, Swoop guides, Funding resources, Blog
If you’re looking to grow your new business, it’s important to know how to finance it. Financing your business in the right way will provide a solid financial base and ensure you have sufficient funding to help your business succeed.   There are many different ways to finance a new business and different methods will suit different business types, as this guide explains. What is business finance? Business finance is simply the funding a business needs to operate. You’ll need funds to start, run or expand your business. Having sufficient funds available to you will help drive your business forward, allowing you to buy raw materials, hire staff, invest in equipment and so on. Finance is the foundation of any business as it’s almost impossible to succeed without it.   What are the best ways to finance a new business? There are several ways to finance a new business, so it’s important to research each one carefully to help you decide which is the right option for you and your business.   Personal investments Investing your own money into your business can be quicker than applying for finance and, as you’re not borrowing from anyone, you won’t need to pay interest. Using your own money can also help to show any future lenders that you’re confident in your company’s success.   You might have a lump sum to invest in your business if you’ve saved up enough over the years or if you’ve received a large redundancy pay out or...
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### How to calculate capital employed
> Capital employed refers to the amount of capital investment a business uses to operate. It can help indicate how a company is investing money. Read more here.
- Published: 2023-03-07
- Modified: 2024-06-26
- URL: https://swoopfunding.com/uk/blog/how-to-calculate-capital-employed/
- Category: SME support, Swoop guides, Blog
Capital employed refers to the amount of capital investment a business uses to operate. It can help indicate how a company is investing its money. This guide explains everything you need to know about how to calculate capital employed. What is capital employed? Capital employed, or funds employed, is one of many financial metrics and refers to how much capital a company has invested into itself through means such as purchasing equipment, hiring employees and so on. It can also refer to how much capital has been used for a particular project, whether that’s opening stores in other locations or developing new products. Capital employed is often used to measure a company’s profitability and efficient use of capital. What is the formula to calculate capital employed? The most commonly used formula to calculate capital employed is as follows: Capital employed = total assets - current liabilities Essentially, capital employed is calculated by taking the total assets from the company’s balance sheet and then subtracting all current liabilities, or short-term financial obligations. It’s also possible to calculate capital employed with the following formula: Capital employed = fixed assets + working capital Fixed assets are assets purchased for long-term use, such as property, plant and equipment. Working capital is the capital available for daily operations and is calculated as current assets minus current liabilities. Whichever formula you use, make sure you stick with it – do not switch between them when making comparisons as the calculation will differ depending on which formula...
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### How to calculate market size
> If you’re thinking about launching a business or product, doing your research and assessing how many potential customers you might attract is absolutely crucial
- Published: 2023-03-07
- Modified: 2024-06-26
- URL: https://swoopfunding.com/uk/blog/how-to-calculate-market-size/
- Category: SME support, Swoop guides, Blog
If you’re thinking about launching a business or product, doing your research and assessing how many potential customers you might attract is absolutely crucial if you want to be confident of success.   As part of this, you’ll need to know how to calculate market size. This guide explains what market size is, how to calculate it and why it’s important. What is market size? Market size simply means the number of potential customers you could sell your product or service to. In other words, it’s the size of the sales opportunity available to you.   As an example, it could be the number of people visiting a high street who could become customers of a new ice cream parlour, or the number of car owners in your area that could use a new car washing service.   There are two types of market size to calculate as well as your business’ expected share. The first type is the total addressable market (TAM). In a nutshell, this means finding out whether the potential market for your business is large enough. It’s the number of customers or amount of money you could earn if your business achieved a 100% success rate and 100% sales to every potential customer. The second is the target or available market, which is the size of the market that your business can realistically reach. It might also be referred to as the Segmented Addressable Market (SAM). The expected share of market is also worth adding to...
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### How Irish startups can find funding from UK investors
- Published: 2023-03-06
- Modified: 2024-06-25
- URL: https://swoopfunding.com/uk/blog/how-irish-startups-can-find-funding-from-uk-investors/
- Category: Investment, Blog, Equity finance
AUTHOR: Tobias Møller, Equity Manager The UK’s SEIS and EIS schemes make investment attractive to VCs and angels in the UK - and Irish companies can take advantage. Irish companies have grown into iconic brands around the world - but overseas investment isn’t just for the big players. Our nearest neighbour, the UK, is a source of potential investment for startups and early-stage businesses - if you know how to get the approach right.   Early stage investment enjoys generous tax breaks in the UK, which accounts for the country attracting companies from around the world to set up a base there. In seeking UK investment, Irish founders need to know what these incentive schemes are and how they can ensure their businesses qualify for investors to receive the benefits. The most important of these schemes are SEIS and EIS. What are SEIS and EIS? SEIS and EIS are two UK government tax incentive schemes designed to encourage investment in early-stage and small and medium-sized enterprises (SMEs). SEIS (Seed Enterprise Investment Scheme) is designed to help startups raise funds by providing tax relief to investors. Under the scheme, investors can receive up to 50% income tax relief on the amount they invest, up to a maximum of £150,000 per business (£250,000 after 1st April). In addition, there are capital gains tax exemptions and loss relief available. EIS (Enterprise Investment Scheme) is aimed at helping SMEs raise funds, again by providing tax relief to investors. Under this scheme, investors can receive...
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### How to forecast cash flow
> Knowing how to forecast cash flow is an important part of financial planning when you run a business. This guide explains all you need to know.
- Published: 2023-03-06
- Modified: 2024-07-16
- URL: https://swoopfunding.com/uk/blog/how-to-forecast-cash-flow/
- Category: SME support, Swoop guides, Blog
Knowing how to forecast cash flow is an important part of financial planning when you run a business. Maintaining a healthy cash flow is essential so that you can plan ahead effectively and have money available in the event of an emergency.   This guide explains all you need to know about creating a cash flow forecast. What is cash flow? Cash flow is a measurement of the amount of cash that comes into and goes out of your business over a period of time.   Cash that comes in is usually the money you get from sales, but it might also be from selling assets or receiving a grant, for example. Outgoing cash will include wages, bills, and payments to suppliers.   If you have positive cash flow, this means you have more cash coming into your business than you have going out. On the other hand, when your cash flow is negative, you have more cash going out of your business than you have coming in. This can make it difficult to cover bills and other expenses, particularly if it lasts for a lengthy period of time.   Why measure cash flow Measuring cash flow is important because it helps you to meet your existing financial obligations and plan for the future. Cash flow measurement can be the difference between business success and failure.   Benefits of cash flow forecasting A cash flow forecast can enable you to assess if and when you’re going to run out of...
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### How to scale a business
> If you’ve decided you want to grow your business, it’s important to understand how to do it effectively. Read how to effectively scale your business here.
- Published: 2023-03-01
- Modified: 2024-07-16
- URL: https://swoopfunding.com/uk/blog/how-to-scale-a-business/
- Category: SME support, Swoop guides, Funding resources, Blog
If you’ve decided you want to grow your business, it’s important to understand how to do it effectively. You’ll need to have the right strategy, team and processes in place to be able to support new customers, products and services.   If you scale too fast or you lose focus, things could go very wrong. But with the right planning and considered goals, scaling your business could be a big success. Is your business ready to scale? First up, you need to assess whether your business is ready to scale and evaluate where your business stands today. Scaling up often exposes weaknesses in the business, so it’s important to think about how growing your business will affect your company. Consider whether your IT systems, general infrastructure and website meet your current and future needs or will you need to invest heavily before scaling?   Scaling a business means taking steps to ensure your business grows without sacrificing quality or increasing costs. If you’ve acquired a strong customer base, have a great team of skilled professionals and you’ve recently been turning away clients, now could be the perfect time to scale your business.   Steps to scaling your business If you’re ready to get going, take a look at the steps below to help you get started: Evaluate current position and plan for expansion The first step is the planning stage. Think about what you need to do to increase sales and whether you currently have the staff and systems in...
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### Investor Q&A: Ed Stevens - One Planet Capital
- Published: 2023-02-28
- Modified: 2024-01-02
- URL: https://swoopfunding.com/uk/blog/investor-qa-ed-stevens-one-planet-capital/
- Category: Investor interview series, Investment, Equity finance
Ed Stevens - Co-Founder and Director of One Planet Capital, an EIS fund investing in businesses tackling climate change and the world's biggest environmental problems. Ed has founded and exited two media & technology businesses. He currently sits on the board and is a director of two media technology businesses and is an NED to a marketing services company. Ed is a passionate angel investor and has been investing in the green space for a number of years. Work Tell us a bit about you and your journey into the world of Venture I started angel investing following the sale of my second business. Initially it was in the space that I best understood and from which I came from, which was media and technology but latterly, and after reconnecting with old friend and co-founder of One Planet Capital (OPC), Matt Jellicoe, in the climate space which we are all deeply passionate about.   Tell us a bit about One Planet Capital OPC is an EIS fund that exclusively invests into high growth early stage UK based businesses in the climate and environmental space. The types of business that we invest into are varied but they all share a common theme which is that they either are doing something that is combating climate change or fixing an environmental problem. What is your favorite part of your job?   Without a shadow of a doubt meeting new entrepreneurs and learning about their businesses. Fascinating. What do you look for in an...
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### Sole trader finance - all need to know about loans, equity finance, and grants explained
- Published: 2023-02-22
- Modified: 2024-12-23
- URL: https://swoopfunding.com/uk/blog/what-sole-traders-need-to-know-about-funding-their-business/
- Category: Loans, Blog, Equity finance, Grants
Being a sole trader is the fastest and most straightforward way to set yourself up in business. But what does it mean for your ability to raise funding? If you’re in business for yourself as a sole trader, you may have heard lots of reasons why you should set up as a limited company instead.   We’re not going to rehash the arguments. Instead, here’s what you need to know about the major funding sources and how to ensure that you get the most out of working for yourself. Business loans Rhys Cunnah, Chief Growth Officer at Swoop says that there are still plenty of borrowing options for sole traders who can still apply for unsecured business loans:  “As Swoop is FCA regulated, our credit license effectively allows us to access facilities for sole traders from less than £1k with no upward limit. The one thing sole traders miss out on is the startup loan, as for this you have to be a company director. Sole traders are not company directors, because they are classed as a business. ” The word “limited” in “limited company” refers to the limited liability of directors for a company’s debts. As a sole trader, this means you’re personally liable for any debts the business acquires. Rhys says that this may make sole traders more cautious about taking on debt, but there are still different products for which they qualify:  “Sole traders can use asset finance to cover the cost of the machinery or equipment,...
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### How to build a property portfolio
> Building a property portfolio can be a hugely profitable investment, but only if it’s done right. Read the complete guide to funding and building your portfolio
- Published: 2023-02-22
- Modified: 2024-06-26
- URL: https://swoopfunding.com/uk/blog/how-to-build-a-property-portfolio/
- Category: SME support, Swoop guides, Commercial mortgages, Blog
Building a property portfolio can be a hugely profitable investment, but only if it’s done right. If you’re thinking of taking the plunge, our guide takes you through the process of getting started, choosing the right strategy and deciding on long-term goals.   What is a property portfolio? A property portfolio is a collection of properties owned by an individual, group or company for the purpose of generating income. This can include residential, commercial and industrial properties that are rented out to tenants. Income can also be generated by holding on to the properties for a number of years so that they can rise in value, allowing you to sell them for a profit. A well-managed property portfolio should provide a steady and reliable income stream over the long-term, with the aim of increasing wealth. It might even enable you to retire early.   To help minimise risk and increase your chances of success, it’s sensible to diversify your property portfolio by having different property types in different locations.   How to start a property portfolio The steps below will guide you through the process of building a property portfolio. Set your targets Your very first step is to think about your targets and goals. Ask yourself what you are hoping to achieve through your property portfolio. Do you want to boost your earnings through rental income or are you hoping to benefit from property price growth when you sell the property? You might want to hit both targets –...
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### Your biggest bill can harm your cash flow - and your company’s health. Here’s how to address it
- Published: 2023-02-21
- Modified: 2024-06-13
- URL: https://swoopfunding.com/uk/blog/your-biggest-bill-can-harm-your-cash-flow-and-your-companys-health-heres-how-to-address-it/
- Category: VAT finance, Blog
VAT finance smooths your company’s outgoings giving you more control over your finances. The mantra at Swoop is: “Cash flow is king! ” Having control over your cash flow is essential: when a bargain comes up, an unexpected bill comes in or an emergency strikes, you need to know that your business can afford what it needs to run. For many, this is a far easier task without the quarterly VAT bill: every three months, HMRC comes calling for their cut of your revenue. The impact this can have on your cash flow - particularly after busy periods for seasonal businesses - can mean that your biggest bill comes in your quietest month.   Result: you’re exposed to the risk of not being able to cover other costs.   For many businesses, VAT finance is the answer. This is a short term loan that is paid directly to HMRC to cover your tax bill. Spreading a big quarterly bill into a more manageable monthly bill makes it easier for businesses to manage their money and plan for the future. Rhys Cunnah, Head of Unsecured and Asset Lending at Swoop says that having more capital to play with can offset the cost of a loan: “If you have the resources, you could find that you’re able to purchase stock in greater bulk and negotiate a bigger discount, wiping out what it costs you to borrow in the first place. ” As with any debt product, the value of having the capital...
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### How to start a buy-to-let business
> Investing in buy-to-let (BTL) property can be a lucrative business and it can create financial security. Read about funding options and apply here today.
- Published: 2023-02-16
- Modified: 2024-06-26
- URL: https://swoopfunding.com/uk/blog/how-to-start-a-buy-to-let-business/
- Category: SME support, Swoop guides, Commercial mortgages, Blog
Investing in buy-to-let (BTL) property can be a lucrative business and it can create financial security. You can choose to own a rental property as a private landlord or you might prefer to set up a limited company to run your business. This guide explains the differences between the two so you can decide which option is best for you. What is a buy-to-let property company? A buy-to-let property company is a limited company through which you buy rental properties.   If you’re a landlord, you have two choices – you can buy properties as an individual and pay income tax, or you can buy them through a limited company and pay corporation tax.   Many landlords choose to set up a limited company for their buy-to-let portfolio because it can be more tax efficient. Landlords also receive their rental income differently as it belongs to the company. This enables you to either pay yourself a salary from the company or take your rental income as dividends. What are the pros and cons of setting up a property company? Before you decide whether setting up a property company is right for you, it’s important to weigh up the pros and cons, as we’ve outlined below: Pros Setting up a limited company means you’ll pay corporation tax which can be lower than individual income tax rates If you have a limited company, your investment property becomes legally separate from your personal affairs which means you are no longer personally liable for...
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### How to start a property management company
> If you’re thinking about starting a property management company, it’s important to do your research and make sure you understand exactly what it involves.
- Published: 2023-02-15
- Modified: 2024-05-16
- URL: https://swoopfunding.com/uk/blog/how-to-start-a-property-management-company/
- Category: SME support, Swoop guides, Commercial mortgages, Blog
If you’re thinking about starting a property management company, it’s important to do your research, secure your funding or commercial mortgage, and make sure you understand exactly what it involves. Read our guide to find out more. What is a property management company? A property management company is a company that looks after property portfolios on behalf of its clients. Your clients could be a landlord with one property or someone who owns and rents out hundreds of properties. You’ll need to deal directly with prospective tenants or renters. What does a property management company do? In a nutshell, a property management company is there to give landlords peace of mind that their property is being looked after and managed well. One of the key responsibilities of a property management company is to deal with any maintenance issues and repairs in the property. The company will need to work out exactly what needs doing and arrange for a suitable tradesperson to carry out the work within a reasonable timeframe and budget. The property management company must also keep all parties informed throughout. It might even visit the property to check how well tenants are looking after it. If a property management company is also acting as a letting agent, it will need to market properties and find and vet suitable tenants. The company will also need to draw up legal tenancy contracts and collect rent.   How do I start a property management company? A good first step is to...
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### How to calculate EBITDA
> There are several metrics businesses can use to calculate their financial health and performance, and EBITDA is one of them. Read how to calculate it here.
- Published: 2023-02-14
- Modified: 2024-06-26
- URL: https://swoopfunding.com/uk/blog/how-to-calculate-ebitda/
- Category: SME support, Swoop guides, Blog
There are several different metrics businesses can use to calculate their financial health and performance, and EBITDA is one of them. EBITDA is often used by businesses to compare their financial performance against that of their competitors, while analysts might use it to help determine the sustainability of an organisation.   Additionally, if you are looking for a business loan, many banks will use EBITDA to assess whether a company can repay its debts.   This guide takes a closer look at how to calculate EBITDA and its pros and cons.   What is EBITDA? EBITDA stands for earnings before interest, taxes, depreciation and amortization. It is a type of earnings metric that can help understand a business’s ability to generate cash flow for its owners. It also helps financial advisers and analysts calculate how much a business is earning before any reductions and modifications take place.   EBITDA doesn’t account for the different ways a company might use debt, equity, cash or other sources of capital to finance its operations. It also excludes non-cash expenses such as depreciation, and it excludes taxes. As such, EBITDA can be a useful way to evaluate a business and is often used to compare two similar businesses or determine a company’s cash flow potential. EBITDA became a popular method of measuring a company’s performance in the 1980s. Investors and lenders involved in leveraged buyouts found it a useful way to estimate whether the targeted company had the profitability to pay off the debt...
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### Slow-to-pay customers shouldn’t hold your business back: Swoop’s solutions can save your business
- Published: 2023-02-14
- Modified: 2024-06-26
- URL: https://swoopfunding.com/uk/blog/slow-to-pay-customers-shouldnt-hold-your-business-back-swoops-solutions-can-save-your-business/
- Category: Invoice finance, Blog
Invoice finance is a popular way for businesses to unlock the money owed to them. From the earliest days of Swoop, a recurring theme from customers calling us in a panic was that they had bills to pay, but they didn't have the cash to cover them. Inevitably, the money was out there somewhere, owed to our customer, but either the due date was too far away, or the customer hadn't paid on time. With payment terms sometimes stretching to 90 days and with supply chain issues still causing log jams, this problem has grown worse for some sectors. It is particularly heartbreaking to see when a business is otherwise sound, but cash flow issues mean they can't make the wages bill. It's the kind of thing that can shut down a company. Cash flow issues are the number one reason why great businesses struggle which is why invoice finance is something every business owner should be aware of. What is it? Invoice finance allows a business to raise money against the value of invoices already issued. Payment is usually made within 48 hours of submitting your invoice. Invoice financing works much like a revolving credit line or a series of short-term bank loans - except there is usually no requirement for the borrower to provide either assets as collateral, or a personal guarantee from the company director(s). Who can apply? Businesses must have a minimum of £30,000 annual revenue and get paid by invoice in 14 or more days....
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### How to get a business loan with bad credit
> Getting a business loan with bad credit can be more difficult, but it’s certainly not impossible. This guide takes you through your options, and the process.
- Published: 2023-02-07
- Modified: 2024-04-19
- URL: https://swoopfunding.com/uk/blog/how-to-get-a-business-loan-with-bad-credit/
- Category: SME support, Swoop guides, Loans, Blog
Getting a business loan with bad credit can be more difficult, but it’s certainly not impossible. This guide takes you through your options so that you can find a solution that works for you and your business. What is considered bad credit? Bad credit usually means you or your business hasn’t managed credit well in the past and as a result, your credit score will be low.   A credit history exists for anyone or any business that has taken out credit, such as a loan or credit card, in the past. However, if you were late with payments or you were unable to repay your loan or credit card debt in full, this will have had a negative impact on your credit score.   Similarly, if you’ve exceeded your credit limit or you’ve been declared bankrupt in the past, this will also have dragged your credit score down. As a result, lenders will now view you as higher risk and might not be so willing to let you borrow money. Note that if your business is just starting out and has never borrowed before, it won’t have built up a credit history yet which means that lenders have no way of knowing how responsible you are as a borrower. This isn’t the same as having ‘bad credit’, but it can still be trickier to get accepted for loans. Some lenders might look at your personal credit score instead of your business score to give them an idea of how...
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### Complete guide to grant funding allocation
> Grant funding is when a business is awarded a sum of money by the Government or a private organisation to use for a specific purpose. Read more here.
- Published: 2023-02-07
- Modified: 2024-12-23
- URL: https://swoopfunding.com/uk/business-grants/grant-funding-allocation/
- Category: Swoop guides, Blog, Grants
If you’re considering applying for a grant to provide your business with valuable financial support, it’s important to be aware of how grants are allocated and how likely you are to get one. Here’s everything you need to know.   What is grant funding? Grant funding is when a business is awarded a sum of money by the government or a private organisation to use for a specific purpose. Unlike a business loan, business grants do not need to be repaid, and no interest will be charged. You also won’t need to give away a share of your business in exchange.   Some grants will require a level of matched funding for the project, however, so be sure to check. If that’s the case, you will be required to invest the equivalent amount in your business. So if you’ve been given a grant for £10,000, for example, you will also need to invest £10,000. What is grant fundable? There are hundreds of grants available in the UK, but they will usually be aimed at specific industries, community groups or types of business. You might be able to get a grant for any of the following: Self-employment grants to cover loss of income, for example, during the COVID-19 pandemic. Startup grants to help cover the cost of setting up your business. Grants for taking on an apprentice, giving you financial help to train an apprentice in your small business. Innovation grants to support innovative ideas and business growth – these are...
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### How to get a UTR number
> When you file your self-assessment tax return, you will be asked to enter your UTR number. Find out what a UTR number is, and how to find yours here.
- Published: 2023-02-07
- Modified: 2024-06-25
- URL: https://swoopfunding.com/uk/blog/how-to-get-a-utr-number/
- Category: SME support, Swoop guides, Blog
Your Unique Taxpayer Reference (UTR) number is important when it comes to filing your self-assessment tax return. Here’s how to go about getting one.   What is a UTR number? A UTR number is what HM Revenue & Customs (HMRC) uses to identify you as a taxpayer. You’ll be sent a UTR number when you register for self-assessment so that you can file your tax return each tax year. You’ll need to do this to inform HMRC of your income, gains and relevant expenses and to pay your tax bill.   What does a UTR look like? A UTR number is 10 digits long, usually followed by the letter ‘K’. Your UTR number is completely unique to you and once you’ve been sent your UTR number, it will never change. Who needs a UTR number? You’ll need a UTR number if you need to submit a self-assessment tax return. And you’ll need to do this if in the last tax year: You were a self-employed sole trader and earned more than £1,000 You were a partner in a business partnership You earned £100,000 or more You might also need to file in a tax return if any of the following apply: You’re a landlord and your income from renting out a property was more than £2,500 You earned more than £2,500 in untaxed income through tips or commission, for instance You need to pay Capital Gains Tax on profits from selling shares or a second home Your income from savings...
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## Case studies
### From the basement to app store top charts
> TheAppLabb is a leading North American app development company that has built over 750 apps in the last 17 years. Read how we supported their growth here.
- Published: 2025-05-06
- Modified: 2025-05-07
- URL: https://swoopfunding.com/uk/case-studies/from-the-basement-to-app-store-top-charts/
- Category: Loans
TheAppLabb is a leading North American app development company that has built over 750 apps in the last 17 years, pioneering the use of AI to create personalised, frictionless digital experiences. Founder and CEO Kundan Joshi has always believed in the power of technology to solve everyday problems and improve human experiences. As the company scaled rapidly across geographies and expanded its AI-driven product lines, TheAppLabb needed funding to bridge key growth periods. That’s when they partnered with Swoop. Through Swoop’s support, they secured a tailored working capital loan that allowed them to move quickly — fueling innovation, supporting expansion into the U. S. , and accelerating the launch of new solutions. Kundan credits the partnership for unlocking opportunities not only for TheAppLabb, but also for their clients. “We really found Swoop as a great one-stop shop for our finance team and the Swoop team has been fantastic in matching our needs with the right solutions,” he shared. With growth in full swing, TheAppLabb continues to push boundaries in mobile and AI innovation, backed by a financing partner that grows with them.
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### Strategic funding driving groundbreaking innovation
> Mannin is ready to grow and form international partnerships to amplify their impact. Through collaboration with Swoop, they’ve built a strong relationship.
- Published: 2025-03-28
- Modified: 2025-05-07
- URL: https://swoopfunding.com/uk/case-studies/strategic-funding-driving-groundbreaking-innovation/
- Category: Grants, Loans, Small business stories
Mannin Research is dedicated to developing innovative treatments for vascular diseases like glaucoma, kidney disease, and respiratory conditions. Their goal is to make a real difference in patients' lives with groundbreaking therapies. When they reached a critical point in their research, Mannin turned to Swoop for the funding they needed. With the expert support of the Swoop team, they secured the right financing and were able to quickly and smoothly expand both their team and research capacity. “Those funds helped us meet the next stage of our business, where we're now able to hire some really great management,” George shared. With their next financing round on the horizon, Mannin is ready to grow and form international partnerships to amplify their impact. Through ongoing collaboration with the Swoop team to meet various funding needs, they’ve built a strong, supportive relationship. As George puts it, “When I think of Swoop, I think of family. ”
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### Unexpected and unplanned: how Swoop helped a customer secure a commercial mortgage
> Unfair rent hikes give tenants a reason to buy. A stroke of luck and Swoop’s know-how got them moving. Read the full case study here to see how we can help you.
- Published: 2025-03-05
- Modified: 2025-03-05
- URL: https://swoopfunding.com/uk/case-studies/how-swoop-helped-a-customer-secure-a-commercial-mortgage/
- Category: Commercial mortgages
Unfair rent hikes give tenants a reason to buy. A stroke of luck and Swoop’s know-how got them moving Have you ever looked at a bill and thought “I’m in the wrong business”? When the roof started leaking at our client’s rented property, they called their landlord to fix it while they counted the costs: water damage, a loss of productivity, and while our client temporarily relocated for repairs to be carried out, upheaval. What they didn’t expect during the disruption was a sizable rent increase.   For our client who had seen other costs going up, it was a step too far. They were attracted by the idea that buying a property would be cheaper and accrue into a valuable asset over the coming years and located a property to buy. Unfortunately, they did not have sufficient funds for a deposit; on top of this, existing borrowing for equipment and vans meant they had difficulty in demonstrating affordability. With Swoop’s help, though, a way forward was established. Swoop took the time to discuss our client's issues, landing on the solution of restructuring short-term lending to improve cash flow in the short term. While exploring options for a deposit, a family member made a gift that covered the funding shortfall.   We managed to turn around a customer who was not immediately well placed to secure a commercial mortgage and who had no real plan to buy until the unexpected rent increase forced their hand. Through streamlining their current borrowing...
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### A great time for the right deal
> Our customer in the children's day nursery sector had the experience of owning two properties and was planning to construct a larger, purpose-built unit.
- Published: 2025-03-05
- Modified: 2025-03-05
- URL: https://swoopfunding.com/uk/case-studies/a-great-time-for-the-right-deal/
- Category: Commercial mortgages
Lenders price for risk, so timing your application right can make a significant difference. The cost of borrowing is made of several factors, many of which (such as interest rates) are out of your control as a business owner. One lesser-known factor which you do control, is timing.   Our customer in the children’s day nursery sector had the experience of owning two nurseries and then built a larger, purpose-built unit. Their growth funder lender based their decision on there being no trading record for the new nursery and as a perceived “high risk”, set the interest rate in excess of 13 percent per annum. The customer got in touch with Swoop, seeking a better deal. It was clear from our first conversation that the customer had reached a level of maturity which meant the business would be within the appetite of lenders whose risk appetite was for standard trading rather than new start business. With lower risk comes lower interest margins and we were able to search for another lender whose ongoing covenants would be much less demanding. Based on their circumstance, Swoop had to put together a bespoke solution that fit their needs. The result? We were able to slash the interest rate in half - from 13 percent to 7. 5 percent, easing cashflow for the business and reducing the level of regular monitoring with their bank. Our customer now enjoys cheaper borrowing over a longer period and the opportunity to focus on business operation and growth,...
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### Turning dreams into reality with a startup loan
- Published: 2025-02-17
- Modified: 2025-05-07
- URL: https://swoopfunding.com/uk/case-studies/turning-dreams-into-reality-with-a-startup-loan/
- Category: Loans, Small business stories
Nicolás Prada opened Piragua Colombian Specialty Store to share his culture and cuisine with the community. Offering homemade Colombian dishes, retail goods, and 100% Colombian coffee, his goal was to provide a taste of Colombia. After facing rejections from banks, Nicolás turned to Swoop for funding. “Swoop made my dream possible when the banks said no,” he says. With Swoop’s quick and easy loan process, he was able to open Piragua. The process was smooth and fast, with Swoop’s team providing ongoing support and guidance. “In less than a month, I got the loan,” Nicolás says, praising the speed and ease of working with Swoop. Thanks to the funding, Piragua is thriving, and Nicolás is gearing up to grow the brand.
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### Floating to new heights with a streamlined acquisition
> Meet Rosh, the owner of H2O Float Studio, Toronto’s first float therapy center, located in the iconic Distillery District. See how Swoop helped Rosh here.
- Published: 2025-01-30
- Modified: 2025-05-07
- URL: https://swoopfunding.com/uk/case-studies/floating-to-new-heights-with-a-streamlined-acquisition/
- Category: Loans
Meet Rosh, the owner of H2O Float Studio, Toronto’s first float therapy center, located in the iconic Distillery District. As an athlete with a background in Taekwondo, soccer, and badminton, Rosh understands the importance of recovery and discovered float therapy as a powerful, non-invasive way to heal. H2O Float Studio stands out by offering not just float therapy, but also registered massage therapy, unique themed floats, and even the option to float with a partner—something you won’t find anywhere else in Toronto. Thanks to funding from Swoop and its partners, Rosh was able to acquire the business and expand its offerings. With a dedicated team that prioritizes relaxation and rejuvenation, H2O Float Studio has nearly doubled in size in the past year. Looking ahead, Rosh plans to introduce hydrotherapy, psychotherapy, red light therapy, and sound healing—continuing the mission to be Canada’s go-to destination for mind and body reset.
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### Even bankers are coming to Swoop for funding
> Knowing that Swoop has an established business, Irfan saw an opportunity to use Swoop's marketplace of funders and put the platform to the test. Read more.
- Published: 2024-06-11
- Modified: 2025-02-10
- URL: https://swoopfunding.com/uk/case-studies/bankers-coming-to-swoop/
When the employee of a major Canadian bank needed help funding their property portfolio, Swoop had the solution to their needsIrfan, a past executive leader at Canada's largest bank, got to know about Swoop when he was helping our company expand from the UK and Ireland into North America. While working with us, Irfan was able to gain a deeper understanding of Swoop's offering and saw the value that it offered to business owners looking to compare the best financial products for their specific needs. Irfan’s own business interest lay in acquiring commercial property in Britain. Knowing that Swoop had an established business in the UK, Irfan saw an opportunity to leverage Swoop's marketplace of funders and put the platform to the test. As Daire Burke, Head of North America at Swoop says, there were a few issues in the way:“Irfan is not resident in the UK and his co-buyer didn’t have formal real estate experience. That said, they were from a family with a history of real estate investment and had been working alongside family members to gain experience for several years. The properties they were looking at were classified as ‘high street retail’ by several lenders, which limited their appeal. This was despite their location in a highly desirable and affluent area of the country. ”The properties that Irfan and his co-buyer were looking at were occupied by several different tenants and a number of the leases were due to expire within the next two years. Daire says:“While...
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### From seed to stage: how Swoop helped GoToBeat revolutionise gig booking
> GoToBeat had thought about going through the SEIS raise by themselves and realised that building a relationship with Swoop could be really useful. Read more.
- Published: 2024-05-28
- Modified: 2025-02-10
- URL: https://swoopfunding.com/uk/case-studies/gotobeat/
- Category: Equity
Live music platform GoToBeat found Swoop gave them the pick of the term sheets Today’s stadium-filling acts generate big money and are well catered for. But if you’ve ever tried to get tickets for a small gig - or you’re a venue trying to find a band to fill the floor - you’ll know that grassroots gigs aren’t always giving the best experience. Max Busin is the Founder and CEO of GoToBeat. A musician and serial entrepreneur in his native Italy, Max has experience of growing a media company, Blasting News, up to 150 employees and 100 million unique monthly readers. He explains his latest venture, GoToBeat: “GoToBeat is a platform to help people find and attend gigs they’d enjoy. We use data and our platform to pick the right artists and put them in the right venue. It’s also a ticketing platform, so we are able to take over the admin of organising a concert. ” GoToBeat launched in 2022 and to date has sold 30,000 tickets for around 30-35 concerts a month, mostly in small capacity venues that can cater for up to 2,000 attendees. The company employs a team of seven people plus 10 freelancers helping to run events. How Swoop helped Max reached out to Swoop on a personal recommendation when he needed to raise seed funding for the business: “I wasn’t aware of Swoop but one of my advisors had worked with Swoop in the past and put us in touch with Tom. With my...
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### How R&D tax credits can be a hidden cash boost for your businesses 
> OLT ERP used Swoop purely as a funding platform, and spoke with a funding manager who recommended looking into R&D tax credits. Read how Swoop helped here.
- Published: 2024-05-28
- Modified: 2025-02-10
- URL: https://swoopfunding.com/uk/rd-tax-credits/how-rd-tax-credits-can-be-a-hidden-cash-boost/
Swoop unearthed £10,000 in tax credits for one customer - have you checked whether you qualify for the scheme? OLT ERP, Limited, is a tech startup based in London UK, founded by Dr Sangeeta Jain. Her team develops customised software solutions for universities and colleges, including an AI-powered app, named Eudemonic to assess academic stress among students to facilitate timely targeted interventions to minimise the losses due to students' mental stress. This is a preventive deeptech application with a transdisciplinary approach to support students from dropping out of their courses by using survey questionnaires, data analytics, sentiment analysis and AI modelling. How swoop helped Dr Jain says that she was unaware of R&D tax credits when she became a Swoop customer: “I was looking for funding for OLT when somebody from my circle of friends recommended Swoop to me. Initially I used Swoop purely as a funding platform, and I spoke with a funding manager who recommended me to look into R&D tax credits. ” That conversation led to Sahil Shethia, Swoop’s in-house R&D expert. Dr Jain continues: “Sahil was patient enough to understand what we were doing and prepared a strong application explaining why OLT should qualify for R&D tax credits. We got about £10,000 back, which is a good amount for a startup. ” Sahil says: “Dr Jain presented me with a classic example of a company that is intended to be helped by R&D tax credits. By getting this money back from HMRC, we have reduced the...
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### My Little Kingdom Day Nursery
> The purchase of a Yurt required finance, but being a young business Emma and Sarah-Jane struggled to get finance from their bank. Read how Swoop helped here.
- Published: 2024-01-18
- Modified: 2025-02-10
- URL: https://swoopfunding.com/uk/case-studies/my-little-kingdom/
- Category: Loans
The My Little Kingdom Day Nursery ‘s approach to childcare is that nature is the best classroom: My Little Kingdom provides outdoor learning giving all children the opportunity to embrace the outdoors and connect with nature, promoting health and well-being. The outdoor environment encourages investigation, exploration and creative thinking which will support children’s holistic development. As the business continues to grow, the demand for spaces has been increasing. The nursery is registered for 72 children, however with the current government childcare funding model being rolled out this year Emma Fullwood and Sarah-Jane Sewell knew that the demand for space would dramatically increase. My Little Kingdom explored various options to increase floor space and finally settled on the option of a 26ft Mongolian Yurt. This fits perfectly and compliments the ethos of the nursery, learning through nature. The Yurt offers up to 25 child spaces, providing all year-round outdoor learning environment. The Yurt is fitted with a wood burning stove, offering a cosy and warm space where the children can come in and spend time warming up by the fire and enjoying the natural learning opportunities that are offered by our Forest School Leader. How Swoop helped The purchase of the Yurt required finance, but being a young business Emma and Sarah-Jane struggled to get finance from their bank. Fortunately, they were introduced to Swoop. The Asset Finance team at Swoop took time to understand the business, and the project at hand. With their knowledge of the lending market, Swoop identified the...
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### One year on: how Swoop has helped Complete HQ cover all their clients’ funding needs
- Published: 2023-12-20
- Modified: 2025-02-10
- URL: https://swoopfunding.com/uk/case-studies/one-year-on-how-swoop-has-helped-complete-hq-cover-all-their-clients-funding-needs/
This accounting firm has found that partnering with Swoop adds to the bottom line in more ways than one Andy Sullivan is Founder at Complete HQ, a Plymouth-based accounting firm which helps SMEs across the UK (and beyond) to build better businesses. Looking after 175 businesses and their owners, the firm focuses on the construction sector and emerging technology / creatives. What did you do when it came to matters of funding before you joined Swoop? Previously we worked with another advisor in an introductory arrangement and they mostly dealt with unsecured lending. But we needed a more client-centred approach where we could identify a variety of products and services that are available to their business. Since we've transitioned to working with Swoop, unsecured probably is still the core for a lot of businesses, but we were also able to introduce asset finance, kind of more bespoke funding requirements for the businesses, including commercial property lending, grant funding and some equity searches for clients as well. What are the benefits of partnering with Swoop for you and the team? One of the great things is that the guys at Swoop will provide quite a lot of training and development to my team. We have a monthly session with one of the specialists from within Swoop who do a session and provide some factual information around a particular area of funding which touches on grants and equity as well. That trains the team so they can spot opportunities with our clients...
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### How Swoop has become “like having another section within the business” for growing firm KBG Accountants
- Published: 2023-12-20
- Modified: 2025-02-10
- URL: https://swoopfunding.com/uk/case-studies/how-swoop-has-become-like-having-another-section-within-the-business-for-growing-firm-kbg-accountants/
Clients’ requests for funding once meant a slow exchange of information with an uncertain outcome. Thanks to Swoop, that’s now changed. Cormac Smith is Partner at KBG an accounting firm in Cavan, Longford, Bailieborough and Granard. Currently standing at eight partners and over 50 staff, KBG has clients across industries including large builders, construction, development, manufacturers, publicans and hospitality, covering corporate finance. insolvency and tax. Before you partnered with Swoop, what did you do when it came to matters of funding with your clients? Did they approach you or did you speak to them directly about funding? Clients would always come to us to ask what they should do and ask where they should go. Usually we'd contact the bank managers, the local business manager and maybe other finance companies locally that we have a relationship with and start pulling the information they needed together. We had to continuously follow up with the bank managers or with the other finance companies. It was time-consuming for a growing practice trying to concentrate on other things. What are the benefits of partnering with Swoop for both KBG and your clients? I found that there's always a finance option out there. What we found with Swoop is that the options are far greater than what we would have the knowledge of ourselves. The other benefit is that we're given a list of information that you guys require on day one. There's never coming back looking for extra stuff. What is the best part...
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### How Venture Finance Management upped their game in helping clients access funding
- Published: 2023-12-11
- Modified: 2025-02-10
- URL: https://swoopfunding.com/uk/case-studies/how-venture-finance-management-upped-their-game-in-helping-clients-access-funding/
With more clients needing funding, this accountant realised that “good enough” was no longer good enough When others ask for help our first instinct is to do what we can. So when his clients reached out for advice on funding, Oliver Cooke, Co-Founder and Finance Business Partner at Venture Finance Management worried that he wasn’t doing his best for them. “In honesty, the only time we'd talk about funding with clients is when they had a funding issue or wanted to fund a new fleet of vans or get a term loan. The advice we gave back was just getting two or three quotes and seeing whose the best quote was. So our offering before Swoop wasn't great. ” Venture Finance Management looks after between 60 and 70 limited companies; with costs rising and increasing uncertainty, more and more clients began asking for help with their funding issues. Oliver quickly saw that “good enough” was no longer good enough. Fortunately, he found out about an opportunity to partner with Swoop - and Oliver says he hasn’t looked back: “The best part of partnering with Swoop is the ability to broaden our offering. We’ve mostly done borrowing but we can now offer grants and equity as well. ” Oliver cites products such as VAT finance which allows clients to spread the quarterly VAT bill into more manageable monthly payments and term loans which give clients a cash boost to help them achieve their growth plans. As well as finding the right...
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### When it’s time to buy, Swoop can make things move - fast
> After finding the ideal office space and having his offer accepted, Swoop was approached to obtain a commercial mortgage to complete the purchase. Read more.
- Published: 2023-12-08
- Modified: 2025-02-10
- URL: https://swoopfunding.com/uk/case-studies/swoop-can-make-things-move-fast/
A growing business needed a mortgage. Through Swoop they got their funding - at market-leading terms - fast An accountant and business advisor, who has been trading since 2019, decided that to grow the business, it was essential to stop renting office space and purchase their own premises. After finding the ideal office space in the Forest Hill area of London and having his offer accepted, Swoop was approached to obtain a commercial mortgage to complete the purchase. Tom Gerrard, Funding Manager at Swoop, picked up with the client to discuss their requirements and request the information required to prepare and present a comprehensive commercial mortgage application to our wide panel of lenders. Within a week, market leading terms were obtained from a high street bank, valuation instructed and the legal process commenced. The deal completed this month, meaning one of the first things the customer needs to do is get the Christmas decorations up in their new office! On completion, Tom from Swoop said: “It has been an absolute pleasure to work on this transaction. The client really brought into the value we add through giving them options across the market as well as managing the process from start to finish. This allowed us to complete a deal with a high street bank in record time. I wish them all the best moving forwards in their great new office space. ” If you would like to know more about the options available to you and your business for commercial...
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### LJM Bookkeeping: How Swoop is becoming a valuable partner to bookkeepers
> Bookkeepers are perfectly positioned to provide support around funding with the help and support from Swoop. Learn more here.
- Published: 2023-11-30
- Modified: 2025-02-10
- URL: https://swoopfunding.com/uk/case-studies/ljm-bookkeeping/
Bookkeepers are perfectly positioned to provide support around funding with the help and support from Swoop. Lara Manton MICB is founder of LJM Bookkeeping, which after 13 years in business now looks after the needs of 55 mainly service-based businesses with a need for an outsourced accounts department. Using cloud-based software, sole practitioner Lara is able to offer bookkeeping, tech support and advisory services: “In other words, I help them get their finances straight, help them understand their numbers and alleviate stress and worry. ” Being close to the numbers means that Lara has a deep understanding of her clients’ spending habits - from electricity to invoice factoring. One of the issues that kept coming up was funding: “I would talk to my client about what they needed and find myself repeating that same conversation with five or six different lenders, asking what they had to offer. I would then collate all the information, then present the options to my client complete with the pros, cons and caveats. ” This became a time consuming task with back and forth conversations and rate negotiations. As the cost of living crisis bit, Lara quickly found more clients were asking about funding and she could see herself getting caught between wanting to solve problems for her clients and having enough hours in the day to service all of their needs. “I’m a numbers person,” explains Lara, “and one of the things that concerned me most was that while I was putting together the options...
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### Growing the business of Growing Paper: how Swoop is helping a South African business get ready to hit the international market
> Growing Paper is a South African company that produces handmade, biodegradable paper embedded with seeds.
- Published: 2023-11-08
- Modified: 2025-02-10
- URL: https://swoopfunding.com/uk/case-studies/growing-the-business-of-growing-paper/
Funding is key to making a success of grass-roots businesses which tackle the problems of unemployment and unsustainability Growing Paper is a South African company that produces handmade, biodegradable paper embedded with seeds. Founded to give consumers the option to make a responsible decision regarding the environment, social impact, local economy and sustainability, the company is dedicated to creating employment opportunities in the Swartland municipality. This region has seen a continuous rise in unemployment reaching nearly 15 percent - with a disproportionate impact on women and children. Roxanne Schumann, Founder of Growing Paper, says that the company has strong ambitions to grow and become a household brand for South African customers. In these early stages, however, there was a capital shortfall: “Growing Paper was at that stage that many businesses reach where we were not cash flow positive. We were growing but had hit that in-between phase where we didn't have the income to cover the investment we needed for equipment, international marketing and a renovation project. There’s currently a lag with our present need to pay salaries, expand and keep up the infrastructure. ” It was essential to get some form of bridging finance to stay afloat, says Roxanne, because laying off employees was counter to the values and goals of the business. “We’re temporarily victims of our own ambition! We’re not at maximum capacity but are moving in that direction. This year we’re expanding internationally and expect to see the rewards next year. We were in the gap...
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### At Wow, deeper client relationships begin with a conversation about funding
> It's easy to see funding as quite an old school, boring topic, but we have great relationships with the team at Swoop. Read more about how Swoop can help you.
- Published: 2023-11-01
- Modified: 2025-02-10
- URL: https://swoopfunding.com/uk/case-studies/wow-accountants/
Wow felt they were under-serving their purpose-led clients when it came to funding. That all changed when they partnered with Swoop Before they began working with Swoop, Wow knew there was something missing from what they were offering their clients: “Frankly, we weren’t doing enough when it came to funding. If clients came to us needing funding, we maybe knew someone they could speak to, but we weren't hugely involved in the process until they had offers on the table. It wasn't as supportive as we like our services to be. ” So says Leo Tidman, Lead Advisor at Wow, an accounting firm with 50 employees across the UK that specialises in helping agencies and consultancies build businesses that are sustainable, led with a purpose and which look after their people. Leo says that the whole company is built around the idea that businesses which do good will build profitability. And that means funding has to be part of the picture. Leo says that Swoop is helping to change perceptions of business funding: “It's easy to see funding as quite an old school, slightly boring topic, but we have great relationships with the team at Swoop. Whoever you speak to is a nice, interesting person that you'd happily have a chat with. That really agrees with our culture and what we try to do and also our clients engage with that. ” What's different for Wow? Since working with Swoop, Leo has found that Wow has been able to do...
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### How Thrive and Swoop are making the perfect partnership
> Swoop was a breath of fresh air. I felt there was a values alignment which I always feel with anyone I deal with. Read all about Thrive's experience with Swoop.
- Published: 2023-11-01
- Modified: 2025-02-11
- URL: https://swoopfunding.com/uk/case-studies/thrive-accountants/
When values align, it means advisors can outsource funding to a platform they trust We all have a responsibility towards the health of the planet. While advisors may not be the chief culprits behind the drivers of climate change, James Lizars, CEO at Thrive Accountants says that his industry has an important role to play: “I'm a parent, I've got eyes and ears, I can see what's going on with climate change. I want to be able to look my kids in the eyes when they're older and be able to say that I've tried, I've done what I can. ” Who is Thrive? Thrive Accountants is a 10-year-old company that specialises in providing a full finance function service to early-stage tech businesses. Thrive became B Corp certified in 2021, pledging 20 percent of profits to good causes: “I took this crazy step in 2021 to not only commit to plant a million trees by 2030, but also to bring two businesses along to make the same pledge. So far we have one and are looking for the second. ” On the environmental front, James has a clear goal and a pathway to achieving it. With funding for his clients Thrive has a similar approach: they are partnered with Swoop for Advisors. James explains: “Five years ago, funding was not central to what we did, not least because tech startups are not usually that lendable, so it wasn't really a big feature of what our clients needed. Banks have always...
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### How Pink Pig Financials is going the extra mile for clients
> PPF prides itself on giving businesses more time to spend on the people they love. What does this look like in practice?  Find out how Swoop has helped.
- Published: 2023-10-26
- Modified: 2025-02-12
- URL: https://swoopfunding.com/uk/case-studies/pink-pig-financials/
PPF prides itself on giving ambitious business owners more time to spend on the people they love. What does this look like in practice? Cheryl Sharp FCCA is founder of Pink Pig Financials, an accounting firm she set up to answer a huge need for business owners who had started a business to find freedom - only for admin to get in the way. Cheryl has recently begun working with Swoop to access funding for her clients; recent examples is include a £30k term loan for a construction business and £11k asset finance leasing for a retail company. Swoop sat down with Cheryl to find out more about how they've helped the Ping Pig Financials team help their clients. How did your practice operate when it came to funding matters before you joined Swoop? Prior to joining Swoop, we were actively engaging clients in conversations about their working capital and loan requirements. These clients often went away to find funding solutions, only to return to us asking for feedback. How has partnering with Swoop helped your firm? Swoop allows us to help our clients achieve their goals with as little stress as possible. That’s really important to us. Too often, being easy to use really means that it costs you more, but with Swoop we’ve been able to save our clients’ time and money. We can quickly help clients get the right funding for what they need so they don’t have to worry about where the cash is coming from....
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### Paranimo: "we wouldn't be where we are today without Swoop"
- Published: 2023-08-22
- Modified: 2023-12-20
- URL: https://swoopfunding.com/uk/case-studies/paranimo/
Swoop's investor matching helped tech startup Paranimo get to market For a technology company, taking a product from the idea stage to market can be a long, difficult journey. This can make finding VCs willing to invest challenging, but with the right help, all things are possible. Matthew Vamplew is Founder at Paranimo, a platform which enables HR and wellbeing companies to increase revenue and improve the mental health of their customers, with a white label therapy platform they can use to match people to the right counsellor. The company has already won £150,000 in funding from Innovate UK, and Vamplew says the funding proved to be essential to provide traction on the journey towards positive cash flow for the business: “To go from an idea to testing, to a prototype to an MVP to a launch... for us that was too expensive unless we got help. Kerry and Swoop helped us to take that journey and introduced us to the investors we needed to develop our business. ” Vamplew was introduced to Kerry Dwyer, Account Manager at Swoop. In an echo of how Paranimo works, Swoop matched the company with their community of VCs and Angel investors. Vamplew says that winning £150k of Innovate UK grants proved to be vital in securing further investment: “Winning that funding gave our business a definite seal of approval that helped us with investors. Kerry matched us to Worth Capital, a micro VC that opened the door to us raising a further £150k....
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### Breaking barriers: how Swoop empowered Easology to grow their digital accessibility business
- Published: 2023-08-22
- Modified: 2024-01-03
- URL: https://swoopfunding.com/uk/case-studies/easology/
There is a huge market for making technology more accessible. Here’s how Swoop connected a solution provider to the funding they needed Technology has opened opportunities for businesses and institutions to interact with customers digitally. But what about customers who find using technology more of a barrier than a gateway? In a digital-first world, accessibility is a real problem. Peter Ashall, CEO and Founder of Easology, says that his company is working hard to solve the problem: “We started by looking for ways to help profoundly blind people interact with tablets, which is itself a challenge. We are having to use these kinds of devices not just for social activities but also for things like booking a doctor’s appointment, applying for a job or doing a bank transaction. The industry really is much more focused on introducing the next great camera, which is great, but there is this particular problem, which needs solving. ” Peter’s team quickly realised the broader potential to assist individuals facing challenges due to ageing, limited dexterity, or a preference for simpler interfaces. With early support from Samsung, Peter entered a mobile innovation competition hosted by BT, gaining recognition and momentum. This initial success prompted them to seek funding to further develop and scale their product. Peter approached Swoop to help him raise equity funding for Easology. Kerry Dwyer, Senior Equity Manager at Swoop connected the startup with angel investors who shared the business's vision and recognised its social impact, making it an attractive investment opportunity....
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### Swoop’s customers built and sold a successful children’s day nursery business
> A track record of success and a financial plan have ensured that these business owners can access the funding that will take their business to the next level.
- Published: 2023-08-09
- Modified: 2023-08-09
- URL: https://swoopfunding.com/uk/case-studies/swoops-customers-built-and-sold-a-successful-childrens-day-nursery-business/
A track record of success and a clear financial plan have ensured that these business owners are able to access the funding that will take their business to the next level Two of Swoop’s recent customers started out working in very different industries. Today, 14 years later, they are seeing their second children’s day nursery business through a new growth spurt. On the back of selling an award-winning business built around three day nurseries, this couple are ready to start to buy and build once more - and were back up to three nurseries operating to their usual high standards. The problem? The funding structure in place was restrictive and the value built was not recognised by the funders; this led directly to high costs of borrowing which choked cash flow and restricted further growth. Swoop proposed refinancing the debt into a single loan with a lower interest rate and longer term and with the flexibility of no early redemption fees. The customers will now benefit from lower monthly payments, reduced interest costs, increased cash flow and improved financial flexibility as they move to a further growth phase. AnnMarie Swift, Senior Funding Manager at Swoop, worked with the clients to provide a solution. She says: “The refinance has been a good opportunity for this business to have the value they have built to be recognised and support a more fit for purpose funding structure which eases their cash flow and saves money. A capital holiday has allowed them some breathing...
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### Swoop helps Irish tech startup Trigr secure pre-seed funding
- Published: 2023-07-20
- Modified: 2024-06-26
- URL: https://swoopfunding.com/uk/case-studies/trigr/
Trigr was seeking investment from UK angels and investors - a road Swoop knows well. Trigr is a young company which has already attracted enough interest from investors and big clients to secure a successful future: the Irish technology firm is a vertical SaaS that enables the complete management of deliverables, budgets and external suppliers for creative media projects. Gavin Duffy, founder at Trigr says: “We solve the problem that 65% of creative media projects are either not on time or not on budget. Trigr is fast becoming the go-to management tool for any business involved in the production of creative media, such as music, adverts, film and TV. ” Just 6 months in, Duffy realised there was a need for pre seed investment of £500k GBP to build out the team, enhance the product and develop the firm’s sales and marketing arm. Duffy adds: “In the investment world, £500k might not be a lot but it’s in line with our ethos of working as lean and efficient as possible. We needed to go beyond onboarding new customers and start building customer success. ” Duffy was initially attracted by Swoop’s SEIS and EIS Advance Assurance for Irish startups. He was also impressed by Swoop’s ability to introduce Irish businesses to the VC community in the UK - a journey Swoop itself has made. Duffy says that the whole process of working with Kerry Dwyer, Account Manager at Swoop, has been very straightforward: “Once we had our Advanced Assurance, Swoop introduced...
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### Restructuring complex ownership to streamline and save
- Published: 2023-07-12
- Modified: 2024-04-10
- URL: https://swoopfunding.com/uk/case-studies/restructuring-complex-ownership-to-streamline-and-save/
A period of growth saw Swoop’s customer overseeing a number of properties owned by various parties. With Swoop’s help, he brought them all under one roof. Michael Murray, Founder of M Squared Accountants, says that when his company wanted to acquire a new property, it was an opportunity to restructure what had turned into a complex arrangement of ownership between trading entities and property holding companies. Michael explains: “We have a small business that is a property company. We are renting out one of the properties, had purchased our current premises and were looking to buy another in Peterhead. We were also trying to transfer a property from my wife into the business. ” The complexity had come about through a period of intense growth for M Squared, and as Michael puts it, something needed to be done, though he lacked the time to do much of the research into the market: “The arrangements we had on our existing properties didn’t suit where we were let alone where we were going. The difficulty was that we needed funding to cover an existing agreement plus a large premises in a neighbouring town. ” Fortunately, he found Swoop. Stuart Pawelczyk, head of commercial mortgages at Swoop, says: “This deal included a good quality and valuable portfolio of properties, but lenders didn't know how to 'pigeon hole' the deal: some of the properties were owner occupied and some were let to third party tenants, meaning they didn't know whether to provide an owner...
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### Swoop solves the funding problem for accounting firm
- Published: 2023-03-07
- Modified: 2023-03-07
- URL: https://swoopfunding.com/uk/case-studies/swoop-solves-the-funding-problem-for-accounting-firm/
Gravitate Accounting used to dread clients asking about funding. Now they see it as an opportunity to delight business owners Sam Newton, Founder at Gravitate Accounting, says that the Sheffield firm prides itself on being “hands on” with the 200 plus clients on their books: “We’re a three-year-old, up-and-coming digital accountancy practice. We don’t just do a set of accounts. We’re in contact with our clients monthly, producing KPI reports, management accounts and so forth. At some point, every business will have a need for cash. ” In the past, being asked to find funding had presented Sam and his colleagues with a dilemma: “As a smallish firm, we didn’t have the resources to research funding in-house. We would have to speak to their bank or other funders and try to find them a good deal, but how does that work? Do you charge the client an hourly rate? And can you charge them at all if you don’t find something suitable? ” All that changed when Sam found Swoop, which uses clever matching technology to scour the market and highlight options that meet the needs of cash hungry businesses. Sam says the change has been dramatic: “Now we just upload all the information onto a portal that Swoop provides, giving them all they need to approach various lenders. With their in-house knowledge, Swoop can target specific lenders and come back with deals for our clients. ” Swoop can handle all kinds of funding from simple credit cards to complex...
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### Overcoming the barriers to buying out founders
- Published: 2023-01-26
- Modified: 2023-01-26
- URL: https://swoopfunding.com/uk/case-studies/overcoming-the-barriers-to-buying-out-founders/
Employee-owned businesses can boost engagement, motivation and well-being - but finding the funding isn’t always straightforward. There are a number of routes to being your own boss. One is to come up with an idea for a new business. The other is to buy out an existing successful business. At BCS, an outsourced IT support service based in Kent, employees bought out the founders of the company in 2018. Since becoming 100 percent employee-owned, the business has been named as one of the UK’s top 25 managed service providers and scooped a Responsible Business Champion Award. Why did BCS need Swoop? Jo Lewellyn, Finance Director at BCS says:  “BCS moved to a 100 percent employee-owned business with a loan from the founders of the business. After the first few years of paying the founders’ loan, we felt it would be beneficial to source the funds commercially to release the founders of any obligation to our company. ” Pretty open and shut, you might think. But Jo explains why the company ran into a funding roadblock:  “As an employee owned company, we have no documented shareholders and the structure of the business along with the employee owned trust part of the company meant things were not straightforward. This unique setup meant it was difficult to source funding through the normal channels available. ” Jo approached Swoop to investigate whether there were any lenders prepared to help. Tom Hawley and Chris Richards, Funding Managers at Swoop, got on the case and presented...
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### Finding a new lender to put their faith in a growing care home business
- Published: 2022-11-01
- Modified: 2024-12-05
- URL: https://swoopfunding.com/uk/case-studies/finding-a-new-lender-to-put-their-faith-in-a-growing-care-home-business/
When the customer’s former lender left the healthcare market, finding a replacement proved challenging. Then Swoop stepped in. If your go-to funding option dries up, what would you do?   That was the situation facing our care home customer earlier this year as their original facility expired. On going back to their lender, they found that they had made the decision to pull out of the healthcare market.   This came as a severe blow to the customer who just about survived, despite turning away new residents throughout the COVID-19 pandemic in order to protect existing residents. Now, with the care home returning to full occupancy, profits were up - but this wasn’t sufficient for most lenders.   “After doing the right thing and surviving through the pandemic, it felt like a slap in the face to be told lenders wanted a full 12 months of data to confirm our profitability,” explained Swoop’s customer. “Just as we felt we were bouncing back, it felt as though the rug was being pulled. ” Swoop’s Commercial Mortgage team took on the case. Ed Brown, Commercial Finance Manager at Swoop explains:  “From a business point of view, the only way was up: the home was making its way to full occupancy and becoming as profitable as it had ever been. For me, this was a business that had shown resilience, courage in taking the right actions to protect people, and I thought they deserved another chance to keep the doors open. ” Swoop...
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### At your convenience: Swoop helps a business owner grow his portfolio of local stores
- Published: 2022-08-19
- Modified: 2022-08-22
- URL: https://swoopfunding.com/uk/case-studies/at-your-convenience-swoop-helps-a-business-owner-grow-his-portfolio-of-local-stores/
When the banks said “no”, Swoop took over a difficult case - and worked with the customer to find a solution Hitesh Bhokhirya is adding to his growing stable of convenience stores across the North of England - and his latest acquisition is thanks to Swoop. Hitesh tells us:  “I’ve been in convenience stores since 2010. Early on, I used to simply go to my bank when I needed money. But when I found a store I wanted to buy, there was no finance available from the High Street. My own bank wasn’t lending to businesses and other banks didn’t want to take on someone who wasn’t already their customer. ” Hitesh thought that his business growth would stall - until he was introduced to Chris Richards, Senior Funding Manager at Swoop... who turned out to be a familiar name.   “I was introduced to Chris through my funding guy in Birmingham,” says Hitesh. “Chris was someone I had encountered before when he worked at RBS. I was delighted to be able to restart a long standing relationship and I immediately knew I was in good hands. ” Hitesh was right: Chris was quickly able to find a path to funding a third store to his portfolio by looking beyond the usual suspects to find a company with an appetite to lend. The full acquisition of the business took over six months with both sides needing to delay proceedings for various reasons: Hitesh was concerned over the valuation of the...
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### Stopping a temporary setback from becoming a long-running problem
> Swoop helped customers secure a VAT loan for their business
- Published: 2022-07-26
- Modified: 2022-07-26
- URL: https://swoopfunding.com/uk/case-studies/stopping-a-temporary-setback-from-becoming-a-long-running-problem/
How a chamber of commerce found one company the help it needed Swoop’s customer is a communications business that helps its clients improve their engagement with end users through technology. The company’s founders were introduced to Swoop by the Cumbria Chamber of Commerce. The company had a short term cash flow issue as one of their debtors was unable to pay as scheduled. With their quarterly VAT bill coming up, the founders knew they would not be able to meet their own commitments without outside support. Within just three days of receiving the enquiry, Swoop managed to secure the business a VAT loan, spreading their tax bill over three payments, massively improving the company’s cash flow position. Tom Hawley, Funding Manager at Swoop says: “It has been a pleasure working with these customers. They were always quick to respond to requests for information, which makes the process as seamless as possible. I'm looking forward to working with them both again - as we will be funding their next VAT bill along with the implementation of a longer term financing solution. ”
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### Swoop’s “glass half full” approach enables pub chain to seize opportunity to boost profits
> After Pitcher Pub Group’s existing bank declined the facility request, Swoop stepped in to offer an alternative.
- Published: 2022-06-29
- Modified: 2024-06-13
- URL: https://swoopfunding.com/uk/case-studies/swoops-glass-half-full-approach-enables-pub-chain-to-seize-opportunity-to-boost-profits/
After Pitcher Pub Group’s existing bank declined the facility request, Swoop stepped in to offer an alternative. How did Swoop secure the refinancing for this family run pub group? Christoper and Marion Pitcher have been at the helm of their family-run pub group for 17 years. They were approached with the opportunity to switch suppliers, being offered a fee incentive and a reduced cost on beer supply. This was more than peanuts - the switch would unlock significant additional profitability that would go straight to the bottom line and the Pitchers realised this was too good an opportunity to miss.   While the decision was easy, carrying out the plan was difficult due to their circumstances: The Pitchers had an existing loan to repay with their current supplier Their existing bank declined to refinance the loan facility with the current supplier, citing the reasons that it was forecast-led, as well as the bank’s lack of appetite to support the pub sector Their existing bank was also reluctant to release the public houses held as security on the loan, despite the loans having been repaid When the bank called time on the Pitchers’ credit line, they sent for Swoop.   Ann Marie Swift, Commercial Finance Manager at Swoop, took on the case with a thirst to find lenders that were looking to support the pub sector. Through gaining a thorough understanding of the proposed deal and the assets of the Pitcher Pub Group, Ann Marie demonstrated the improvement in profitability from...
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### Seeing a challenging property purchase through to the end
> With many other buyers falling at the hurdles on buying a Grade II listed holiday let complex, could Swoop close the deal for our customer?
- Published: 2022-03-10
- Modified: 2022-03-10
- URL: https://swoopfunding.com/uk/case-studies/seeing-a-challenging-property-purchase-through-to-the-end/
With many other buyers falling at the hurdles on buying a Grade II listed holiday let complex, could Swoop close the deal for our customer? Alex Dury is like many entrepreneurs: after a lifetime of acquiring skills and experience in one area, they see an opportunity where those skills put them at an advantage. In Alex’s case, his career as a builder meant that property investment was an attractive option for him as he could add value to his own property at low cost.   When Alex saw that a bed and breakfast plus two small cottages had been on the market, Alex saw the opportunity as too good to pass up: the three properties are based near the seaside in rural East Sussex and comprise a six bed house (previously used as a B&B) plus a pair of two bed cottages. Unfortunately, a number of factors made the purchase difficult:  Alex’s own lack of experience in the holiday market counted against himThe B&B had changed use, being rented out as a holiday let. There were no accounts to track the financial performance of the property following this change of useThe property is Grade II listedDespite numerous potential purchasers, the property had gone unsold due to the inability of interested parties to secure finance When Alex approached Swoop, we were confident that we could help where others had failed. Ann Marie Swift, Commercial Finance Manager at Swoop, carried out full research into the property finance market to secure the funding...
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### Swoop helps vegan meal company sprout new growth
> Vegan meal delivery service The Brook has found that their partnership with Swoop allows them to focus on what truly matters
- Published: 2022-02-23
- Modified: 2024-06-27
- URL: https://swoopfunding.com/uk/case-studies/swoop-helps-vegan-meal-company-sprout-new-growth/
Vegan meal delivery service The Brook has found that their partnership with Swoop allows them to focus on what truly matters With COVID-19 closing restaurants across the country, The Brook pivoted to delivering restaurant-quality plant-based meals to locked-down customers.   Today, the company’s delivery service has diversified to include a range of products available in dedicated chiller cabinets at supermarkets such as Co-operative, Budgens and Londis.   With plant-based eating becoming more popular, the business model is one that Thea Brook, Founder at The Brook, plans to expand post-pandemic. Thea originally approached Swoop to find a bridging loan: “We needed to increase our production capacity so that we could take on the bigger retailers,” says Thea. “Swoop not only saved us a lot of time, they also got us a good deal. ” A loan from Mint moved The Brook to the next stage in their evolution. Thea says that the funding enabled her to take advantage of the opportunity to make a name for the business in retail: “Not to be too dramatic, but getting the money was life or death for the business. It meant that we didn’t have to raise again to build the business to where it needed to be. We could focus inwards and make sure our processes and recipes were where they had to be, rather than focus outwards looking for sources of funding. ” Thea makes particular mention of Andrew Moon who oversaw the funding journey. Thea says:  “Andrew had so much positive...
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### How businesses are refinancing their CBILS loans as their circumstances change
> CBILS products saved many businesses from failure but as circumstances change, many are finding that their old deals need revisiting
- Published: 2022-01-10
- Modified: 2022-11-18
- URL: https://swoopfunding.com/uk/case-studies/how-businesses-are-refinancing-their-cbils-loans-as-their-circumstances-change/
CBILS products saved many businesses from failure but as circumstances change, many are finding that their old deals need revisiting to ensure they are fit for purpose With the repayment holiday ending for many of those who took out CBILS products at the beginning of the pandemic, many are looking at whether the loans can be restructured to create better cashflow outcomes or help them take advantage of new opportunities. The Swoop team is always ready to help businesses that need to make their money work that little bit harder... Construction firm demolishes £10k overpayment Seb, Senior Funding Manager at Swoop, has been working with a construction company that was paying 12 percent on a £150k loan. “The initial loan was through the CBILS scheme with an accredited CBILS lender and when the repayment holiday ended, the shock of the new outgoing prompted the customer to ask whether they couldn’t get a better deal elsewhere. ” Through using Swoop’s experienced Funding Managers the client was offered a refinancing deal at just eight percent on the same 48 month term. “Over the course of the lifetime of the loan, this represents a saving of over £10,000 to the customer,” says Seb. “That sort of money makes a real difference and has a noticeable impact on cashflow for my customer’s business. ” Growing business raises an additional £250k  Meanwhile, a cladding company found they needed to raise further funds to buy essential machinery needed to carry out a recently-won £4million contract.  ...
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### AreaWealth case study
> AreaWealth is a technology driven investment management platform that maximises efficiencies for advisers in managing their clients’ financial needs.
- Published: 2021-09-27
- Modified: 2023-08-22
- URL: https://swoopfunding.com/uk/case-studies/areawealth-case-study/
The challenge AreaWealth is a technology driven investment management platform that maximises efficiencies for advisers in managing their clients’ financial needs. The Australian fintech provides a secure all-in-one platform that integrates a vast array of tools and resources through which advisers can assess, identify, and initiate targeted solutions for their clients. With their business model proven, Areawealth was eager to pursue ambitious strategic objectives to further client growth as well as expand their product offerings. In order to do so Areawealth needed access to further equity capital yet was unsure of how to navigate the equity landscape successfully. The solution Areawealth initiated an equity seed capital raise with Swoop and leveraged Swoop’s expertise and connections within the equity funding space. Initially, Swoop – led by our equity expert Tim Brown - assisted in the preparation of AreaWealth’s pitch deck and presentation. Following such, AreaWealth was introduced to First Pacific Capital who would become their strategic funding partner. The results With Swoop working as an intermediary and advisor to AreaWealth and First Pacific Capital throughout the process, AreaWealth was able to secure a capital raise of $2 million dollars. Client testimonial “Swoop has been instrumental in achieving our desired Seed round funding objective which was oversubscribed, through an introduction of a Strategic Funding Partner - First Pacific Capital Pty Ltd. Throughout this process Tim has been strategic, collaborative and supportive working directly with AreaWealth and First Pacific Capital. ” Dean Lupton, Chief Commercial Officer - Area Wealth Administration Services Pty Ltd
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### Presols case study
> Find out how Swoop helped Presols access additional revenue needed to take their business to its next stage of growth.
- Published: 2020-12-18
- Modified: 2021-01-18
- URL: https://swoopfunding.com/uk/case-studies/presols-case-study/
The challenge Presols offers long-term, high-quality and sustainable products and solutions for both business and retail segments. Aware of the shift in preferences and attitudes of the general public towards hygiene following the impact of COVID-19, and concerned about the major environmental impact of disposable masks, Presols sought to become a holistic provider of preventative hygiene products. This includes offering their customers high-quality washable, reusable and customisable facemasks. Having partnered with manufacturers across each of their product lines, and now at the point of generating revenue and breaking-even, additional revenue was needed to take the business to its next stage of growth.   The solution It was at this point that the team at Presols applied for Startup Funding having been connected to Virgin Startup by Swoop. The Swoop team also helped Presols assess their FX exposure and identify how they could be charged less FX fees for every inventory order made in dollars.   The results  Presols was able to use the funds to finance inventory purchase, enabling further growth for the business as the team continues to achieve great results like receiving Amazon’s Choice for one of their face mask collection.   Client testimonial  “We came across Swoop through a web search. The experience with Swoop has been fantastic. They really took the time to understand our business and continue to engage with us. This has helped us open new doors of funding and cost savings. ” www. presols. co. uk  https://www. linkedin. com/company/presolsuk/https://www. facebook. com/presolsuk/https://www. instagram. com/presolsuk/
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### Case Study: Concise Media
> With Concise Media growing very quickly, the team wanted to ensure that they found a debt option that was right for the business.
- Published: 2020-09-21
- Modified: 2022-10-31
- URL: https://swoopfunding.com/uk/case-studies/case-study-concise-media/
The challenge Having recently been appointed CFO at Concise Media, Mark Winkler had been working with the team for a number of months, exploring the different funding avenues available to the business. With Concise Media growing very quickly, the team wanted to ensure that they found a debt option that was right for the business. They had applied for CBILS previously but had been rejected due to the EU rule on state aid. The solution After being introduced to Swoop, Mark had a conversation with Mike and Sam from the Swoop team about the opportunities available to the business. Importantly, he received an update from Swoop regarding changes to the eligibility criteria for CBILS. Following this, Swoop were able to identify two or three parties that they felt might be suitable - in particular, they thought IWOCA would be a good match. The results Mark worked closely with Swoop to collate and present the information to IWOCA in the appropriate manner. This led to a call with IWOCA themselves followed by a proposal. Everything was wrapped up that day, and the money came through over the bank holiday weekend. Client testimonial “There were a number of elements which were important in this process, but primarily this was access to a broad range of lenders, and a deep level of expertise and genuine understanding of the debt products and the lenders’ requirements. With any debt products, there’s always the risk of downside circumstances so it’s important to have a team like...
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### Purple PR case study
- Published: 2020-04-27
- Modified: 2020-11-19
- URL: https://swoopfunding.com/uk/case-studies/purple-pr-case-study/
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### Macacha case study
- Published: 2020-04-27
- Modified: 2020-11-19
- URL: https://swoopfunding.com/uk/case-studies/macacha-case-study/
---
### Nimble case study
- Published: 2020-04-27
- Modified: 2020-11-19
- URL: https://swoopfunding.com/uk/case-studies/nimble-case-study/
---
### The Story of Bookbarn International
> After an appearance on Dragons’ Den in 2017 failed to attract investment, William began looking for alternative financial backing to grow the business
- Published: 2019-10-29
- Modified: 2024-06-26
- URL: https://swoopfunding.com/uk/case-studies/the-story-of-bookbarn-international/
The challenge Bookbarn International sells second-hand and antiquarian books through 20 different online marketplaces around the world.   William Pryor – a direct descendent of Charles Darwin – and a colleague took over the troubled business in 2013 and has spent the last six years turning it around. He built the brand and put the software and systems in place that have enabled it to trade effectively on a global scale. Today, around 80 per cent of its sales are online, with the other 20 per cent taking place from its two shops and café in Somerset. After an appearance on Dragons’ Den in 2017 failed to attract investment, William began looking for alternative financial backing to grow the business, which was growing 25 per cent year on year. The solution Earlier this year, Bookbarn International CEO Nick Bates came across the Swoop Funding platform and advised William to get in touch. William had engaged a number of brokers previously, and none were able to get him the funding needed. It didn’t take long for that to change once he’d discovered Swoop. The results One call with the Head of Funding Solutions at Swoop was all it took. Swoop understood the complexities of the Bookbarn International business, and was able to build a strong business case for an underwriting team to give William a fast decision. On September 13 2019, just four days after his initial contact with Swoop, William – who has written several books himself – received an...
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### Case Study: Holy Moly Dips
> Holy Moly Dips needed funding and advice in order to design and make their product, bring it over from Mexico and get it into UK supermarkets
- Published: 2019-07-12
- Modified: 2022-10-31
- URL: https://swoopfunding.com/uk/case-studies/case-study-holy-moly-dips/
The challenge Mexican food fans Gaz and Tom made it their mission to create a range of 100% natural guacamole and avocado-based dips, after a discussion about why you couldn’t buy delicious guacamole in supermarkets. They had the basis of a great idea in Holy Moly Dips, but no idea how to make it a reality. They needed funding and advice in order to design and make their product, bring it over from Mexico and get it into UK supermarkets. And they needed to understand more about the commercial, financial and operational pitfalls they might face as an SME. The solution The Holy Moly Dips duo discovered Swoop through an entrepreneurial accelerator. Over the last two years, Swoop has helped the Holy Moly Dips team in a multitude of ways, by listening to what they need and where they want to go, and helping them to find investors, partners and people who can support them in doing so. They have utilised a range of Swoop’s services, including financing, trade financing and tier one investment. Swoop has also linked Gaz and Tom up with a network of people who have been through similar experiences launching startups, or who have similar businesses – and now they all help each other. The results Holy Moly Dips has become the first company in the UK that has introduced 100% natural guacamole and avocado-based dips into the big supermarkets. It is sold in Waitrose, Sainsbury’s, Ocado and Wholefoods, and more than 100 other stores. Everything...
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### Case study: Nimble Babies
> Nimble Babies was founded by professional chemist Von Sy when his sister mentioned that his niece’s milk bottles had gone cloudy and she struggled to get them clean
- Published: 2019-06-21
- Modified: 2023-08-22
- URL: https://swoopfunding.com/uk/case-studies/case-study-nimble-babies/
The challenge: Nimble Babies was founded by professional chemist Von Sy. When his sister mentioned that his niece’s milk bottles had gone cloudy and she struggled to get them really clean, Von set about finding a solution. He launched Nimble Babies’ first product – Milk Buster – in 2015. Von knew the next step would be to launch more plant-based cleaning products but, having spent all his money on the launch of Milk Buster, he needed to source additional funds before he could do so. The solution: Swoop stepped in, helping Von to navigate the daunting funding process and introducing him to potential funding sources ranging from tier 1 to invoice finance. Following a series of meetings and phone calls to find out more about the potential funding routes, Von decided that the best approach for Nimble Babies would be to opt for an equity funding option. This ensured that he would benefit from the advice of experienced mentors while having the reassurance of good cash flow and enough working capital to fulfil large orders from retailers and distributors. The results: Thanks to the possibilities that funding has opened up, multi-award-winning Nimble Babies now has 10 plant-based cleaning products in its portfolio. It is available in 87 Boots stores around the UK, as well as on Boots. com, Ocado. com and Amazon. co. uk. Nimble Babies also exports to several overseas markets and hopes to soon be stocked in many more of Boots’ 2,500 stores nationwide, as well as other...
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## Business glossary
### Intervention Rate
> The intervention rate is a crucial factor in grant funding, as it defines the amount of funding a grant will provide for a project.
- Published: 2024-08-29
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/intervention-rate/
Definition Intervention Rate refers to the percentage of a project's total costs that a funding body, such as Swoop, government agency or grant provider, will cover. The intervention rate determines how much financial support an organisation will receive for a specific project. What is intervention rate? The intervention rate is a crucial factor in grant funding, as it defines the amount of funding a grant will provide for a project. When an organisation, such as a business or research institution, applies for a grant, the funding body sets an intervention rate, which indicates what percentage of the total project costs they will fund. This rate can vary depending on the type of project, its risk level, the size and type of the applying organisation, and the specific criteria set by the funding body. For example, grants aimed at business growth may have intervention rates ranging from 20% to 50%, meaning that the funding body will cover 20% to 50% of the total project costs. On the other hand, grants focused on higher-risk research and development (R&D) projects might offer intervention rates between 50% and 100%, reflecting the higher risk and potential impact of such initiatives. Intervention rates are typically applied to eligible project costs, which can include expenses such as research and development, personnel, equipment, and materials. It is essential for applicants to understand the specific intervention rate applicable to their grant type, as it impacts the amount of co-financing they will need to provide. How are intervention rates applied?...
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### Incorporation relief
- Published: 2024-07-30
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/incorporation-relief/
Definition Incorporation relief is a tax relief available in the UK that facilitates the transition of a business from a sole trader or partnership structure to a limited company by deferring the payment of capital gains tax (CGT) on the transfer of assets.   What is the incorporation relief? The incorporation relief is designed to make it easier for business owners to incorporate their business by removing the immediate tax burden associated with transferring assets into a new corporate entity. It supports business owners by deferring the tax liability, enabling them to focus on the operational benefits of incorporating their business. When a sole trader or partnership incorporates and transfers their business assets, such as property, equipment, or stock, into a newly formed limited company, Incorporation relief allows the deferred payment of CGT on any gains that arise from the transfer. Instead of paying CGT at the time of incorporation, the relief allows the gains to be rolled over and deferred until the assets are eventually sold by the company. To qualify for incorporation relief, several conditions must be met. The assets transferred must be used in the company’s trade, and the business owner must hold shares in the new company. Additionally, the transfer of assets must be made in exchange for shares in the company, and the new company must continue to use the assets in its business. Example of incorporation relief A sole trader running a small retail business decides to incorporate the business into a limited company....
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### Company Names Tribunal
- Published: 2024-07-30
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/company-names-tribunal/
Definition The Company Names Tribunal is a specialised tribunal established to resolve conflicts related to company names.   What is the Company Names Tribunal? The Tribunal provides a formal mechanism for addressing conflicts that arise when a company’s name is deemed to be too similar to the names of existing businesses or trademarks. The Tribunal handles cases where individuals or businesses believe that a company name is misleadingly similar to their own or is likely to confuse customers. This might include situations where the name could be mistaken for that of an established business, thereby causing potential harm or confusion in the market. The Tribunal has the authority to make decisions on whether a company name should be changed if it is found to violate certain rules and regulations. For example, it can order a company to alter its name if it is deemed to be too similar to another business name or trademark, or if it is found to be offensive or misleading. The Company Names Tribunal offers a cost-effective and efficient way to resolve naming conflicts, providing a legal framework for making sure that company names do not violate existing rights or create confusion in the marketplace.   Example of the Company Names Tribunal A coffee shop chain named "Cafe Delight" discovers that a newly registered business called "Cafe Delights" is operating in the same area and causing confusion among customers.   The chain believes the new name violates its established brand and files a complaint with the...
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### Copyright Tribunal
- Published: 2024-07-30
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/copyright-tribunal/
Definition The Copyright Tribunal is an independent judicial body established to resolve conflicts related to copyright and related rights.   What is the Copyright Tribunal? The Copyright Tribunal primarily deals with issues concerning the fair licensing of works under copyright law, including conflicts between copyright owners and users regarding licensing terms and royalties. The Tribunal’s main functions include determining cases where parties are in disagreement over the terms of licenses for the use of copyrighted material or the amounts to be paid for such use. The Tribunal has the authority to set fair terms for licenses, resolve conflicts about royalty payments, and make sure that copyright licenses are managed in a way that balances the interests of creators and users. The Tribunal provides a formal process for addressing these disputes, offering a legal path for resolution outside of the courts. It is designed to be accessible and efficient, allowing parties to resolve their issues in a specialised forum with expertise in copyright matters. Decisions made by the Copyright Tribunal can have implications for how copyright works are licensed and used across various industries, influencing the balance between protecting the rights of creators and allowing access to works for public and commercial purposes. By determining these matters, the Tribunal helps to maintain a fair and functioning system of copyright protection and licensing in the UK. Example of the Copyright Tribunal in practice A publishing company and a music streaming service are in dispute over the royalties owed for the use of...
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### Pubs Code Adjudicator (PCA)
- Published: 2024-05-27
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/pubs-code-adjudicator/
Summary The Pubs Code Adjudicator (PCA) is an independent regulatory body established under the Pubs Code in the UK.   What is the Pubs Code Adjudicator? The Pubs Code Adjudicator plays a key role in ensuring fairness, transparency, and accountability within the pub industry, safeguarding the rights of tied tenants and promoting a competitive and thriving pub sector. The PCA's primary role is to oversee compliance with the Pubs Code and to resolve conflicts between pub companies and their tied tenants. The PCA operates independently of the pub industry, ensuring fairness in its decisions. The Adjudicator is responsible for understanding and enforcing the requirements of the Pubs Code, which sets out the rights and obligations of pub companies and their tied tenants. Key responsibilities of the PCA include: Providing guidance and information to pub tenants and pub companies regarding their rights and obligations under the Pubs Code. Investigating complaints and conflicts raised by tied tenants against pub companies, including conflicts related to rent assessments, lease agreements, and MRO options. Resolving negotiations between pub companies and tied tenants to reach mutually acceptable solutions to conflicts. Settling conflicts when parties are unable to reach an agreement, issuing binding decisions to resolve issues in accordance with the Pubs Code. Monitoring compliance with the Pubs Code and taking action against pub companies found to be in breach of its provisions, including charging financial penalties where necessary. Example of the Pubs Code Adjudicator in practice In a conflict between a tied tenant and a pub...
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### Pubs Code
- Published: 2024-05-27
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/pubs-code/
Summary The Pubs Code is a statutory framework introduced in the UK to regulate the relationship between pub companies and their tied tenants.   What is the Pubs Code? The Pubs Code aims to rebalance the relationship between pub companies and their tied tenants, giving tenants greater flexibility and choice while ensuring fair and lawful practices within the pub industry. By promoting transparency, accountability, and competition, the Code seeks to create a more level playing field for pub tenants and encourage a thriving and diverse pub sector. Key requirements of the Pubs Code include giving tied tenants the right to request a market rent only (MRO) agreement, which allows them to rent their premises at market value without being obligated to purchase products exclusively from a specific supplier chosen by the pub company. Additionally, the Code sets out requirements for rent assessments, lease agreements, and the handling of conflicts between pub companies and their tenants. Under the Pubs Code, pub companies are required to provide tenants with clear and accurate information about their rights and obligations, including details of available rent options and the process for requesting an MRO agreement. The Code also requires the appointment of a Pubs Code Adjudicator (PCA), an independent regulatory body responsible for overseeing compliance with the Code and solving conflicts between pub companies and their tenants. Example of the Pubs Code in practice In accordance with the Pubs Code, a tenant of a tied pub submits a request for an MRO agreement to their...
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### Petroleum Enforcement Authority (PEA)
- Published: 2024-05-27
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/petroleum-enforcement-authority/
Summary The Petroleum Enforcement Authority (PEA) is a regulatory body responsible for overseeing compliance with legislation and regulations governing the safe storage, handling, and transportation of petroleum products. What is the Petroleum Enforcement Authority? The Petroleum Enforcement Authority plays an important role in ensuring the safe and responsible management of petroleum products, contributing to the prevention of environmental pollution, protection of public safety, and maintenance of regulatory compliance. The primary role of the Petroleum Enforcement Authority is to uphold the Petroleum (Consolidation) Regulations 2014 and other relevant legislation related to petroleum storage and transportation. This includes issuing petroleum storage licences to premises storing high quantities of petroleum, conducting inspections to ensure compliance with safety and environmental standards, and taking action against non-compliant operators. PEAs play a key role in safeguarding public health, protecting the environment, and reducing the risks related to petroleum storage and handling. They work closely with businesses, industries, and other stakeholders to promote awareness of regulatory requirements and provide guidance on best practices for petroleum storage and transportation. PEAs have the authority to conduct inspections, give enforcement notices, charge penalties for non-compliance, and take legal action against violators of petroleum regulations. They may also provide advice and assistance to operators wanting to improve their compliance with regulatory requirements. Example of the Petroleum Enforcement Authority in practice The Petroleum Enforcement Authority, represented by the local council's environmental department, conducts a surprise inspection at a petrol station to ensure compliance with safety regulations.   During the inspection, they check...
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### Petroleum storage licence
- Published: 2024-05-27
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/petroleum-storage-licence/
Definition A petroleum storage licence is a regulatory requirement for individuals, businesses, or organisations that store large quantities of petroleum products.   What is a petroleum storage licence? The petroleum storage licence plays an important role in safeguarding public health, protecting the environment, and minimising the risks associated with the storage and handling of petroleum products.   The licence is issued by the local Petroleum Enforcement Authority (PEA), typically the local authority, depending on the quantity of petroleum stored and the specific location. It is mandatory for premises storing over a certain threshold of petroleum, as defined by the regulations. This threshold varies depending on the type of petroleum product stored, with different requirements for petrol, diesel, and other fuels. This licence is governed by the Petroleum (Consolidation) Regulations 2014, which aim to ensure the safe storage and handling of petroleum to prevent environmental pollution and reduce potential risks to health and safety To get a petroleum storage licence, applicants must demonstrate compliance with strict safety and environmental standards set out in the regulations. This includes making sure that the storage facilities meet specified design and construction requirements, implementing appropriate safety measures such as secondary containment systems and fire prevention measures, and conducting regular inspections and maintenance to prevent leaks or spills. Once granted, the licence is subject to ongoing monitoring and inspection by the PEA to ensure continued compliance with regulatory requirements. Failure to comply with these requirements can result in enforcement action, including fines, suspension or annulment of...
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### Office for Standards in Education, Children's Services and Skills (Ofsted)
- Published: 2024-05-27
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/office-for-standards-in-education-childrens-services-and-skills/
Definition The Office for Standards in Education, Children's Services and Skills (Ofsted) is a non-ministerial government department in the UK responsible for inspecting and regulating educational and childcare services.   What is the Office for Standards in Education, Children's Services and Skills? Ofsted's primary purpose is to improve the quality and standards of education and childcare for children and young people. Ofsted conducts inspections and evaluations across a wide range of educational and childcare settings, including schools, colleges, nurseries, and children's social care services. These inspections assess various aspects of provision, including the quality of teaching, leadership and management, safeguarding procedures, and overall effectiveness. One of Ofsted's key functions is to provide independent and fair assessments of educational institutions and childcare providers. These assessments help parents and carers make informed decisions about their children's education and care. Additionally, Ofsted's reports and findings provide valuable feedback to providers, highlighting areas of strength and areas for improvement. In addition to inspections, Ofsted also registers and regulates childcare providers, making sure they meet statutory requirements and maintain high standards of care and safety for children. Example of the Office for Standards in Education, Children's Services and Skills In a local primary school, a team from Ofsted arrives to conduct an inspection. They spend several days observing lessons, reviewing school policies, and speaking with teachers, students, and parents.   After their evaluation, they produce a detailed report highlighting the school's strengths and areas for improvement. This feedback helps the school leadership identify areas where...
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### Regulation of Childcare
- Published: 2024-05-23
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/regulation-of-childcare/
Definition Regulation of Childcare is a framework designed to ensure the safety, welfare, and quality of childcare services provided to children. What is the Regulation of Childcare? The Regulation of Childcare includes a range of laws, regulations, standards, and oversight mechanisms that govern various aspects of childcare offering, including facilities, staff qualifications, health and safety practices, and educational standards. Childcare providers, including nurseries, preschools, childminders, and after-school clubs, are required to register with regulatory bodies such as Ofsted (Office for Standards in Education, Children's Services and Skills). These regulatory bodies conduct regular inspections to assess compliance with legal requirements and quality standards. Childcare regulations typically require minimum qualifications and training requirements for childcare staff. These requirements make sure that childcare providers have the necessary knowledge, skills, and expertise to support children's development and well-being. Additionally, they establish health and safety standards to protect children from harm and ensure a safe and secure environment.   Regulations often also specify child-to-staff ratios to make sure that children receive suitable supervision and individual attention. These ratios vary depending on the age of the children and the type of childcare setting. Lastly, Childcare regulations require providers to have robust complaints procedures in place to address concerns raised by parents or guardians. Additionally, regulations focus on safeguarding measures to protect children from abuse and harm, including mandatory reporting requirements for suspected cases of abuse. Example of the Regulation of Childcare A nursery undergoes an inspection by Ofsted, where inspectors assess staff qualifications, health and safety...
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### Hotel Proprietors Act 1956
- Published: 2024-05-23
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/hotel-proprietors-act-1956/
Definition The Hotel Proprietors Act of 1956 is a piece of legislation in the UK that outlines the rights and responsibilities of hotel owners and guests.   What is the Hotel Proprietors Act 1956? The Hotel Proprietors Act 1956 establishes liability guidelines to safeguard both hotel owners and guests. It regulates hotel owners' responsibility for guests' property loss or damage and injuries or deaths on hotel premises. The Act sets a legal standard for hotel owners' liability regarding guests' property. Typically, hotel owners are responsible for any property loss or damage unless it's proven to be caused by the guest's carelessness or fault. Furthermore, the Act charged a duty of care on hotel owners to ensure the safety and security of their guests. This includes maintaining the premises in a safe condition, providing sufficient security measures, and taking reasonable steps to prevent accidents and injuries. On the other hand, the Act limits hotel owners' liability, including capping the value of guests' property claims for loss or damage. It also restricts their liability for injuries or deaths on their premises, except in cases of carelessness. The Act requires hotel owners to clearly display notices informing guests of their liability limits and any additional terms and conditions that may apply to their stay. Example of the Hotel Proprietors Act 1956 John checks into a hotel for a weekend and leaves his suitcase in his room while he goes out. When he returns to the hotel, he discovers that his suitcase has been...
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### Dentists Act 1957
- Published: 2024-05-23
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/dentists-act-1957/
Definition The Dentists Act 1957 is a key piece of legislation in the UK that regulates the dental profession, ensuring high standards of practice and safeguarding public health.   What is the Dentists Act 1957? The primary purpose of the Dentists Act 1957 is to protect public health and safety by ensuring that dental services are provided by qualified and competent professionals. The Act created the General Dental Council (GDC), the regulatory body responsible for overseeing dental professionals in the UK. The GDC maintains the register of dentists and dental care professionals and sets educational and professional standards. The GDC is authorised by the Act to investigate allegations of professional misconduct, incompetence, or health issues that could impair a dental professional’s ability to practice safely. Disciplinary actions can include warnings, practice conditions, suspension, or removal from the register. Furthermore, the Act requires the GDC to approve and oversee dental education and training programs. This ensures that dental professionals receive appropriate education and are competent to provide safe and effective care. The Act also focusses on the importance of ongoing professional development. Dental professionals are required to engage in additional learning and training to keep their knowledge and skills current, which helps maintain high standards in dental care. The Act has been amended over time to adapt to changes in the dental profession and healthcare landscape, making sure it is relevant and effective. Example of the Dentists Act 1957 If a dentist, Dr. Jones, is found to be practicing without proper...
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### Building Act 1984
- Published: 2024-05-23
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/building-act-1984/
Definition The Building Act 1984 is a piece of legislation in the UK that governs the construction and maintenance of buildings. What is the Building Act 1984? The primary purpose of the Building Act 1984 is to ensure the safety, health, welfare, and convenience of people in and around buildings. It aims to achieve this by establishing standards for building design, construction methods, structural stability, fire safety, and accessibility. The Act establishes a system of building control to oversee compliance with building regulations. Local authorities or approved inspectors are responsible for carrying out building control functions. Building control ensures that buildings are constructed and maintained to the required standards of safety and quality. Furthermore, the Act grants local authorities the right to enforce compliance with building regulations through various means. Enforcement actions are taken to address breaches of regulations, unsafe building practices, and failure to adjust defects identified during inspections. Since its implementation, the Building Act 1984 has been amended and updated several times to reflect changes in building technology, construction methods, and societal expectations. Amendments may introduce new requirements, amend existing regulations, or streamline administrative processes to improve the effectiveness and efficiency of building control. Example of the Building Act 1984 ABC Construction was hired to build a new commercial office building in compliance with the Building Act 1984. The company submitted detailed plans and specifications to the local authority for approval before commencing construction. The plans outlined structural design, fire safety measures, accessibility features, and energy efficiency standards....
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### Care Homes Regulations 2001
- Published: 2024-05-23
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/care-homes-regulations-2001/
Definition The Care Homes Regulations 2001 are a set of regulations introduced by the UK government to establish standards of quality and safety for residential care homes providing accommodation and personal care services. What is the Care Homes Regulations 2001? The Care Homes Regulations 2001 apply to all care homes in England that provide accommodation and personal care services to adults who require assistance with activities of daily living. This includes residential care homes, nursing homes, and other types of care facilities. The Care Homes Regulations 2001 set out detailed requirements and standards that care homes must meet to ensure the safety, dignity, and rights of residents: Standards of accommodation: Care homes must provide suitable and safe accommodation for residents. Staffing requirements: Care homes must have enough trained and qualified staff to meet the needs of residents. Personal care and support: Care homes must provide personalised care and support to meet the individual needs and preferences of residents. Health and safety: Care homes must maintain a safe and hygienic environment for residents. Protection of residents' rights: Care homes must respect the rights and dignity of residents and participation in decisions about their care and support. Care homes are required to register with the Care Quality Commission (CQC) to operate legally. The CQC conducts regular inspections of care homes to assess their compliance with the Care Homes Regulations 2001 and other relevant legislation. Inspections may be announced or unannounced and focus on various aspects of care and the commission has the...
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### CQC certification
- Published: 2024-05-23
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/cqc-certification/
Definition CQC certification refers to the certification granted by the Care Quality Commission (CQC) in the UK.   What is a CQC certification? The Care Quality Commission (CQC) is the independent regulator of health and social care services in England. It aims to make sure that healthcare providers, including hospitals, care homes, dental practices, general practices, and other healthcare facilities, meet essential standards of quality and safety in the services they provide to patients and service users. Healthcare providers must undergo a rigorous certification process conducted by the CQC to demonstrate compliance with the essential standards of quality and safety. This process involves: Registration: Healthcare providers must register with the CQC before they can legally operate and provide services. Inspection and assessment: The CQC conducts comprehensive inspections and assessments of healthcare providers' premises, services, and practices to evaluate their compliance with regulatory requirements. Ratings: Following an inspection, the CQC assigns a rating to the healthcare provider based on its performance against the essential standards of quality and safety. Monitoring and follow-up: The CQC monitors healthcare providers' ongoing compliance with regulatory requirements through regular inspections, reviews of performance data, and follow-up assessments. CQC certification promotes transparency by providing accessible information to the public about the quality and safety of healthcare services. Healthcare providers are encouraged to use CQC certification as a framework for continuous improvement and quality assurance. By identifying areas for improvement highlighted during inspections, providers can implement changes to improve the quality and safety of their services. Example of...
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### General beer duty rate
- Published: 2024-05-17
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/general-beer-duty-rate/
Definition The general beer duty rate refers to the standard rate of excise duty applied to the production and sale of beer in the UK. What is the general beer duty rate? The general beer duty rate is a tax charged by the government on the production and sale of alcoholic beverages, intended to generate revenue and regulate consumption. It is calculated based on the volume of beer produced or imported, typically measured in hectolitres (hl), and the alcoholic strength of the beverage. The duty is payable by breweries, importers, or wholesalers before the beer is released for sale to consumers. The general beer duty rate is an important source of revenue for the government, contributing to public funds used for various purposes, including healthcare, education, and infrastructure development. Changes to the duty rate can have big implications for the brewing industry, consumer prices, and overall consumption patterns. It's worth mentioning that the general beer duty rate may vary over time due to legislative changes, economic factors, and government policies aimed at promoting industry growth, addressing public health concerns, or raising additional revenue. Brewers and other stakeholders in the beer industry must monitor these changes closely to understand their impact on business operations and market dynamics. Example of the general beer duty rate Let's say a brewery produces 10,000 hectolitres of beer with an average alcohol content of 5% ABV (alcohol by volume). In the UK, the general beer duty rate might be £20 per hectolitre for beer with an...
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### Small producer relief
- Published: 2024-05-17
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/small-producer-relief/
Definition Small producer relief (SPR) is a tax relief scheme designed to support small beer, cider, and spirit producers.   What is the small producer relief? The SPR was introduced to encourage the growth of small-scale alcohol producers by providing them with financial assistance through reduced duty rates. Beer: Small breweries producing less than 5,000 hectolitres of beer annually, qualify for SPR. This relief offers them a progressive duty discount, beginning at 50% for those producing up to 5,000 hectoliters, and tapering off as production rises, reaching its limit at 60,000 hectoliters per year. Cider: Small cider producers also qualify for SPR if they produce less than 70 hectoliters of cider per year. Similar to beer, eligible cider producers receive a discount on the duty they pay based on their production volume. Spirits: Distilleries producing less than 100,000 litres of pure alcohol per year are eligible for SPR. This relief reduces the duty payable on spirits produced by these small distilleries. The small producer relief aims to level the playing field for smaller producers in the alcohol industry, allowing them to compete more effectively with larger companies.   Example of the small producer relief Let's consider a small brewery that produces 4,000 hectoliters of beer per year. Since they fall within the threshold for SPR, they qualify for a 50% discount on beer duty. For example, if the standard duty rate for beer is £10 per hectoliter, the brewery would owe £40,000 in beer duty without SPR (4,000 hl x...
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### Agricultural Transition Plan
- Published: 2024-05-17
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/agricultural-transition-plan/
Definition The Agricultural Transition Plan (ATP) outlines the government's strategy for improving agricultural policy following the country's departure from the European Union. What is the Agricultural Transition Plan? This transition plan is a significant shift in how farmers are supported and how agricultural land is managed. The purpose of the Agricultural Transition Plan is to support farmers in increasing productivity, improving resilience to climate change, and promoting biodiversity while ensuring fair economic returns. One of the key features of the ATP is its focus on environmental responsibility. The plan includes measures to encourage farmers to adopt sustainable farming practices, such as agroforestry, organic farming, and soil conservation. Funding will be allocated for projects that improve water quality, improve biodiversity, and reduce climate change. The ATP encourages the adoption of innovative technologies and practices to improve productivity and efficiency in agriculture. This includes support for research and development, investment in agricultural infrastructure, and the promotion of precision farming techniques. Knowing the challenges that farmers may face during this transition period, the ATP includes provisions for financial assistance, training, and advisory services. Farming communities will be supported in adapting to the changes and getting new opportunities from the shift in agricultural policy. The development of the ATP involves consultation with stakeholders, including farmers, environmental organisations, and industry representatives. Collaboration between the government and these stakeholders is important to make sure the transition plan reflects the diverse interests and priorities of the agricultural sector.
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### P6 form
- Published: 2024-05-03
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/p6-form/
Definition The P6 form is a tax document used in the UK by HM Revenue and Customs (HMRC) to inform employers of an employee's tax code adjustment. What is a P6 form? A P6 form is issued by HMRC to employers when there is a change in an employee's tax code, typically due to changes in their personal circumstances or tax status. It provides employers with important information regarding adjustments to an employee's tax code, such as changes in tax allowances, deductions, or other factors affecting their tax liability. The P6 form contains details of the employee's tax code adjustment, including: Employee's name and National Insurance number Effective date of the tax code adjustment Details of the new tax code, including any allowances, deductions, or other adjustments Instructions for the employer on how to implement the new tax code and adjust the employee's payroll accordingly The form may be issued when an employee starts a new job, changes their personal circumstances, or experiences other changes that affect their tax status. Employers must ensure that the correct tax code is applied to the employee's pay to ensure accurate income tax deductions are made. Employers are responsible for complying with the instructions provided on the P6 form and ensuring that the correct tax code is applied to their employees' pay. Furthermore, employers must also report the details of the tax code adjustment to HMRC as part of their regular payroll reporting obligations. Example of a P6 form Employee details: Name: John Smith...
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### Construction Industry Scheme (CIS)
- Published: 2024-05-02
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/construction-industry-scheme/
Definition The Construction Industry Scheme (CIS) is a tax deduction scheme in the UK that applies specifically to construction work.   What is the Construction Industry Scheme? The Construction Industry Scheme was established by HM Revenue and Customs (HMRC) to regulate tax payments for subcontractors and contractors working in the construction industry. Under the CIS, contractors are required to deduct a percentage of the payments they make to subcontractors for construction work. These deductions serve as advance payments towards the subcontractors' tax contributions and they can offset these deductions against their overall tax liability when filing their annual tax returns. Both contractors and subcontractors are required to register with HMRC under the CIS. Contractors must register before they can engage subcontractors, while subcontractors must register to ensure they receive the correct tax treatment on their payments. Contractors are required to submit monthly CIS returns to HMRC, reporting the payments made to subcontractors and the deductions withheld. Subcontractors also have reporting obligations, including filing tax returns and ensuring their CIS records are accurate. HMRC enforces compliance with the CIS through penalties and sanctions for non-compliance, including late or incorrect filings, failure to verify subcontractors, and other breaches of CIS regulations. Example of the Construction Industry Scheme Let's say Company A is a contractor that specialises in building construction. They hire Company B as a subcontractor to carry out plumbing work on a construction project. Registration: Company A is registered under the CIS as a contractor, and Company B is registered as...
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### Cash sweep
- Published: 2024-04-09
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/cash-sweep/
Definition Cash sweep refers to the process by which excess funds in a bank account are automatically transferred into another account or investment that offers higher interest rates or better returns. What is a cash sweep? A cash sweep helps individuals or organisations optimise the use of their cash by ensuring that passive funds are not left sitting in low-interest accounts. There are several common types of cash sweep arrangements: Money market sweep accounts: Funds from a checking account are moved into a money market account, known for its higher interest rates compared to regular checking or savings accounts. Repurchase agreements (Repo sweep): This involves transferring extra funds into short-term investments. Repos are short-term loans backed by securities, offering a secure and liquid option for storing cash. Investment sweep accounts: Some brokerages provide cash sweep options. This enables investors to earn returns on their unused cash while retaining liquidity for trading or investment opportunities. Loan sweep accounts: Extra funds in a checking account are used to repay outstanding loan balances. This reduces interest costs while still allowing access to cash when required. Automatic transfers to external accounts: Some banks provide cash sweep services, automatically moving extra funds to external accounts at other financial institutions, like high-yield savings or investment accounts. By automatically moving cash into higher-yielding accounts or investments, individuals and organisations can maximise their returns on cash balances. Furthermore, cash sweep arrangements can help manage risk by diversifying investments or reducing exposure to counterparty risk. Example of a cash...
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### Angel syndicate
- Published: 2024-03-28
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/angel-syndicate/
Definition An angel syndicate is a group of individual angel investors who pool their resources and expertise to collectively invest in early-stage startups. What is an angel syndicate? Angel syndicates enable individual angel investors to combine their financial resources, allowing them to make larger investments than they would be able to alone. By pooling funds, syndicates can provide startups with greater access to capital, which is crucial for early-stage growth and development. Participating in an angel syndicate allows individual investors to diversify their investment portfolios across multiple startups. This helps spread risk and mitigate the potential for losses, as investments in early-stage companies are more risky. Angel syndicates conduct thorough due diligence on potential investment opportunities, evaluating factors such as market potential, competitive landscape, team capabilities, and growth prospects. Syndicate members collaborate to identify promising startups and assess their viability before making investment decisions. Angel syndicates aim to generate returns for their members through successful exits, such as acquisitions or initial public offerings (IPOs) of portfolio companies. Syndicate members typically share in the profits generated from successful exits, providing a financial incentive for participating in the syndicate. Example of an angel syndicate A group of experienced angel investors forms an angel syndicate focused on investing in early-stage software-as-a-service (SaaS) companies. They identify a promising SaaS startup developing a productivity tool for remote teams, and collectively invests £500,000 in exchange for a 15% equity stake in the company. The syndicate members leverage their expertise and networks to support the startup, and...
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### Deferred income
- Published: 2024-03-22
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/deferred-income/
Definition Deferred income is a liability recorded on a company's balance sheet that represents revenue received in advance of being earned. What is deferred income? Deferred income refers to the money a company receives for goods or services that it has not yet provided to the customer. It is recognised as a liability on the balance sheet because the company has an obligation to deliver the goods or services in the future. As the company fulfils its obligations and delivers the goods or services to the customer, the deferred income is gradually recognised as revenue on the income statement. This recognition typically occurs proportionately over the period during which the goods or services are provided. Companies are required to disclose the nature and amount of deferred income in their financial statements to provide transparency regarding their future revenue obligations and the timing of revenue recognition. Deferred income is important for financial analysis as it provides insights into a company's cash flow, revenue recognition practices, and future performance expectations. It also helps investors and analysts assess the sustainability of a company's revenue stream and its ability to fulfil its obligations to customers. Example of deferred income Let's say a fitness centre sells annual memberships for £1,200 each. A customer purchases a membership and pays the full amount upfront. Since the membership covers a period of 12 months, the fitness centre hasn't yet earned all of the revenue received. At the time of purchase: The fitness centre records £1,200 as deferred income...
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### Cross rate
- Published: 2024-03-22
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/cross-rate/
Definition A cross rate refers to the exchange rate between two currencies, neither of which is the official currency of the country in which the quote is provided.   What is cross rate? The cross rate is the exchange rate between two currencies, calculated from their respective exchange rates with a third currency, often known as the base currency. These rates are used in situations where the currencies being exchanged are not commonly traded directly against each other in the foreign exchange market. Instead, their exchange rate is calculated indirectly through a common intermediary currency. Cross rates are calculated using the exchange rates of the currencies involved and the base currency. The process involves multiplying or dividing the exchange rates to calculate the cross rate. For example, if you want to find the cross rate between Currency A and Currency B, you would first convert both currencies to a common base currency, such as the US dollar, and then calculate the exchange rate between Currency A and Currency B based on their respective rates against the base currency. Cross rates are crucial for businesses and investors engaged in international trade or investment, especially when dealing with currencies that are not widely traded. They allow parties to calculate exchange rates for currency pairs that may not have direct liquidity in the foreign exchange market. The efficiency of the foreign exchange market ensures that cross rates remain consistent with direct exchange rates after accounting for transaction costs and other factors. Any significant...
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### Administrative expenses
- Published: 2024-03-21
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/administrative-expenses/
Definition Administrative expenses refer to the costs incurred by a business in the day-to-day operations and management of its activities.   What are administrative expenses? These expenses are essential for the functioning of the business but do not directly contribute to the production of goods or services. Administrative expenses cover a wide range of costs associated with general management, administration, and support functions within an organisation. Some common examples of administrative expenses include: Salaries and wages: Compensation paid to administrative staff involved in general administration and support functions. Office rent and utilities: Costs associated with leasing office space and utility bills such as electricity, water, and internet services. Office supplies and equipment: Expenses related to office supplies, equipment, and furniture necessary for day-to-day operations. Insurance: Payments made for various types of insurance coverage, including property insurance, liability insurance, and workers' compensation insurance. Depreciation and amortisation: Allocation of the cost of tangible assets (depreciation) and intangible assets (amortisation) used in administrative activities. Training and development: Expenses for employee training programs, professional development seminars, and educational courses. Office maintenance and cleaning: Expenses related to maintenance of office facilities, including janitorial services, repairs, and renovations. Administrative expenses are recorded on the income statement of a company and are deducted from its total revenue to calculate its operating profit. Monitoring and controlling administrative expenses are essential for businesses to maintain profitability, improve efficiency, and allocate resources effectively.   Example of administrative expenses Let's consider a small consulting firm. Some of its administrative expenses for...
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### Earnings before tax (EBT)
- Published: 2024-03-19
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/earnings-before-tax/
Definition Earnings before tax (EBT), also known as pre-tax income or profit before tax, is a financial metric used to assess a company's profitability before accounting for taxes. What is earnings before tax? Earnings before tax represents the amount of money a company earns from its core operations before deducting taxes and other non-operating expenses. Earnings before tax is calculated using the formula:  Earnings before tax = Total revenue - Operating expenses EBT is a key measure of a company's operating performance because it reflects its ability to generate profits from its core business activities, independent of tax considerations. Furthermore, it allows for comparisons of profitability between companies in different tax jurisdictions or with varying tax structures. EBT is a key component in financial analysis and is often used in various financial ratios and metrics. For example, it serves as the starting point for calculating earnings per share (EPS), return on assets (ROA), return on equity (ROE), and other profitability ratios. For investors, EBT provides valuable insights into a company's financial health and its ability to generate profits from core operations. A consistent and growing EBT over time indicates a healthy and sustainable business model. Example of earnings before tax Company XYZ generated £1 million in revenue last year. They incurred £600,000 in operating expenses. Their earnings before tax (EBT) can now be calculated: EBT = £1,000,000 - £600,000 = 400,000 So, Company XYZ's earnings before tax for the year was £400,000. This figure represents the profit generated by the...
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### Book-to-market ratio
- Published: 2024-02-28
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/book-to-market-ratio/
Definition The book-to-market (B/M) ratio is a financial metric used to evaluate the relative valuation of a company's stock by comparing its book value to its market value.   What is a book-to-market ratio? The book-to-market ratio provides insight into the valuation of a company's stock relative to its accounting value. A high book-to-market ratio suggests that the company's stock is relatively undervalued by the market compared to its book value, while a low ratio indicates that the stock may be overvalued. The book-to-market ratio is calculated by dividing a company's book value per share by its market value per share. The formula is as follows: B/M ratio = Book value per share / Market value per share The book value per share is typically derived from the company's balance sheet by dividing its total shareholders' equity by the number of outstanding shares. The market value per share is obtained by multiplying the current market price per share by the number of outstanding shares. While the book-to-market ratio provides valuable insights into a company's valuation, it has some limitations. For example, it does not take into account future earnings potential, growth prospects, or qualitative factors that may impact a company's stock price. Example of a book-to-market ratio Let's consider a company, ABC Inc. , which has the following financial information: Book value per share: £20 Market value per share: £30 To calculate the book-to-market ratio for ABC Inc. , we use the formula from above: B/M ratio = £20 /...
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### Benefit-cost ratio (BCR)
- Published: 2024-02-28
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/benefit-cost-ratio/
Definition The benefit-cost ratio (BCR) is a financial metric used to evaluate the profitability or viability of an investment or project by comparing the benefits gained from the project to its costs.   What is a benefit-cost ratio? The benefit-cost ratio is commonly used as a decision-making tool in project evaluation and investment analysis. However, other factors such as risk, uncertainty, strategic alignment, and qualitative considerations should also be taken into account when making investment decisions. The formula for calculating the benefit-cost ratio is: BCR = Total present value of benefits / Total present value of costs A benefit-cost ratio greater than 1 indicates that the present value of benefits exceeds the present value of costs, suggesting that the project is potentially economically viable or profitable. A BCR of exactly 1 implies that the project's benefits equal its costs, while a BCR less than 1 indicates that the costs outweigh the benefits, suggesting that the project may not be economically feasible or advisable. The ratio takes into account the time value of money by discounting both the benefits and costs to their present values. This adjustment reflects the principle that a pound received or spent in the future is worth less than a pound received or spent today. Limitations of benefit-cost ratio The benefit-cost ratio is a useful tool for assessing the economic feasibility of projects, offering valuable insights into their financial viability. However, it has certain limitations that need to be considered. For instance, it may not comprehensively account...
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### Artificial intelligence (AI)
- Published: 2024-02-28
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/artificial-intelligence/
Definition Artificial intelligence (AI) refers to the simulation of human intelligence in machines, enabling them to perform tasks that typically require human intelligence.   What is artificial intelligence? AI includes a broad range of techniques, algorithms, and technologies aimed at replicating or augmenting human cognitive abilities. There are various subfields within AI, including: Machine learning: Machine learning involves the development of algorithms that enable computers to learn from data and make predictions or decisions without being explicitly programmed.   Natural language processing (NLP): NLP focuses on enabling computers to understand, interpret, and generate human language. Computer vision: Computer vision involves developing algorithms that allow computers to interpret and understand visual information from images or videos. Robotics: Robotics combines AI with mechanical engineering to create intelligent machines capable of performing physical tasks. Expert systems: Expert systems are AI systems that imitate the decision-making ability of a human expert in a specific domain.   AI technologies are increasingly being integrated into various sectors and industries. They are driving innovation, automation, and efficiency, transforming how businesses operate and how people live and work. While AI offers numerous benefits it also raises ethical, social, and economic concerns. Issues such as job displacement, bias in algorithms, data privacy, and the impact on society require careful consideration and regulation as AI continues to advance. Example of artificial intelligence  A virtual assistant, such as Amazon's Alexa or Apple's Siri, uses artificial intelligence to understand and respond to voice commands or queries from users. When a user asks...
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### Acceleration clause
- Published: 2024-02-28
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/acceleration-clause/
Definition An acceleration clause allows the lender or creditor to demand immediate repayment of the entire outstanding balance or take other specified actions if the borrower fails to meet certain obligations outlined in the agreement.   What is an acceleration clause? An acceleration clause grants the lender the right to accelerate the repayment schedule, resulting in all remaining payments being due immediately. The primary purpose of an acceleration clause is to protect the lender's interests by providing a mechanism to address borrower default or breaches of contract. By accelerating the repayment schedule, the lender can reduce potential losses and take timely action to recover funds or collateral. Acceleration clauses typically specify the circumstances or events that trigger the acceleration of the loan or contract. Common triggering events may include: Default on loan payments: Failure to make timely payments of principal or interest as required by the loan agreement. Breach of covenants: Violation of specific terms, conditions, or covenants outlined in the agreement. Bankruptcy or insolvency: Filing for bankruptcy or insolvency proceedings by the borrower, which may jeopardise the lender's ability to recover the outstanding debt. Material adverse change: Significant adverse changes in the borrower's financial condition, creditworthiness, or ability to repay the debt. Acceleration clauses pose significant risks for borrowers, as they can result in immediate repayment obligations or negative consequences in the event of default. Borrowers should carefully review and understand the terms of any loan agreement or contract containing acceleration provisions before signing to reduce potential risks and...
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### Accelerated depreciation
- Published: 2024-02-28
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/accelerated-depreciation/
Definition Accelerated depreciation is a method used in accounting to allocate the cost of a tangible asset over its useful life in a way that allows for larger deductions in the earlier years of the asset's life compared to the straight-line method of depreciation.   What is accelerated depreciation? The primary purpose of accelerated depreciation is to match the expenses associated with the use of an asset with the revenue it generates over its useful life more accurately. By front-loading depreciation deductions, businesses can reduce their taxable income and tax liabilities in the earlier years of an asset's life, providing cash flow benefits and improving financial performance. There are different methods of accelerated depreciation, including: Double-declining balance (DDB): Under this method, depreciation expense is calculated by applying a fixed rate to the asset's book value at the beginning of each period. The depreciation expense decreases over time as the asset's book value declines. Sum-of-the-years'-digits (SYD): This method assigns a decreasing fraction to each year of the asset's useful life, with the total of the fractions equal to the sum of the digits of the asset's useful life. Businesses often use accelerated depreciation for assets that are expected to generate higher returns or become outdated more quickly, such as technology or equipment. However, businesses should consider the impact of accelerated depreciation on financial statements, tax liabilities, and cash flow before selecting a depreciation method. How does accelerated depreciation affect reporting? Accelerated depreciation impacts financial reporting by accelerating the recognition of depreciation...
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### Small and medium enterprise (SME)
- Published: 2024-02-21
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/small-and-medium-enterprise/
Definition Small and medium enterprise (SME) refers to businesses that typically have a relatively small number of employees and generate modest levels of revenue compared to larger corporations.   What is a small and medium enterprise? SMEs are characterised by their smaller scale compared to large corporations. The exact criteria defining an SME can vary, but parameters such as the number of employees, annual revenue, or balance sheet total are often used to categorise businesses as small or medium-sized. Furthermore, SMEs are typically independently owned and operated. They may be sole proprietorships, partnerships, or privately owned companies. This independence allows SMEs to be more flexible in their operations compared to larger, more bureaucratic organisations. SMEs play a crucial role in driving economic growth and development. They contribute to job creation, innovation, and competition in various sectors. In many economies, SMEs are considered the backbone of the economy, as they make up a significant portion of total businesses and employment. A downside for SMEs are that they may face challenges in accessing resources such as capital, skilled labor, and technology, particularly in their early stages of development. However, advancements in technology and changes in business models have facilitated greater access to resources for SMEs. Example of a small and medium enterprise A small enterprise might be a local bakery owned by a family, employing a handful of staff, and generating revenue primarily from local customers. It could have a modest storefront, a small production area, and annual revenues of around £500,000....
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### Revenue
- Published: 2024-02-21
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/revenue/
Definition Revenue refers to the total amount of money earned by a company from its normal business activities over a specific period.   What is revenue? Revenue, also known as "sales" or "income," represents the top line of a company's income statement and is calculated by multiplying the quantity of goods sold or services sold by their respective selling prices. It does not include any deductions for costs or expenses associated with producing or delivering the goods or services. Revenue is typically recorded on an accrual basis, meaning it is recognised when goods are delivered, regardless of when payment is received. Revenue can also be measured on a cash basis, where it is recognised only when cash is received from customers. Types of revenue: Operating revenue: This is the revenue generated from a company's primary business activities, such as selling products or providing services. Non-operating revenue: This includes income generated from sources other than the company's core business operations, such as interest income, dividends, or gains from the sale of assets. Components of revenue: Product sales: Revenue generated from the sale of tangible goods produced or purchased by the company. Service revenue: Revenue generated from providing services to customers, such as consulting, maintenance, or subscription-based services. Other revenue streams: This may include licensing fees, royalties, rental income, advertising revenue, or any other sources of income not directly related to product sales. Revenue is a key indicator of a company's financial health and performance. Higher revenue typically signifies growth and success...
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### Quarter to date (QTD)
- Published: 2024-02-21
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/quarter-to-date/
Definition Quarter to date (QTD) refers to the period starting from the beginning of the current quarter up to the current date.   What is quarter to date? QTD allows businesses to monitor their performance and compare it to previous quarters or targets. It provides a snapshot of how well the company is performing within the current quarter, helping to identify areas of strength and weakness. Understanding QTD allows businesses to assess their performance and progress within the ongoing quarter. It provides valuable insights into trends, patterns, and fluctuations in key metrics over time, enabling companies to make informed decisions, adjust strategies, and manage resources effectively. By analysing QTD data, businesses can make timely and informed decisions to optimise operations, allocate resources efficiently, and address any challenges or opportunities that arise during the quarter. The data can also be compared to previous quarters or the same period in previous years to assess growth, trends, and seasonality. This comparative analysis helps businesses identify long-term patterns and make strategic decisions accordingly. QTD figures are often included in financial reports and presentations to stakeholders, investors, and management. They provide a clear overview of the company's financial health and progress during the quarter. Example of quarter to date Let’s say today's date is February 21st, and we're in the first quarter of the year (Q1). XYZ Corporation began tracking its sales from January 1st. As of February 21st, the quarter to date sales figures for XYZ Corporation are as follows: January sales: £500,000 February...
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### Quarter over quarter (QoQ)
- Published: 2024-02-21
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/quarter-over-quarter/
Definition Quarter over quarter (QoQ) is a financial metric used to analyse changes in a company's performance or a particular variable over successive quarters, typically within a fiscal year. What is quarter over quarter? Quarter over quarter provides insights into the growth or decline within a relatively short timeframe. In QoQ analysis, data from one quarter is compared to the data from the previous quarter. This comparison helps stakeholders to assess the changes in key business indicators, including revenue, earnings, expenses and other operational metrics. The formula to calculate QoQ change is: QoQ % change = ( (Current quarter − Previous quarter) / Previous quarter) x 100 A positive QoQ percentage indicates growth or improvement, while a negative percentage indicates decline. Analysing QoQ trends helps stakeholders understand the pace of change in a company's performance, identify seasonal patterns, assess the effectiveness of strategic initiatives, and make informed decisions regarding investments, resource allocation, and business planning. It's important to note that while QoQ analysis provides valuable insights into short-term trends, it should be complemented with other financial and operational metrics for a comprehensive understanding of a company's overall performance and prospects.   Example of quarter over quarter Let's say a company measures its revenue growth on a quarterly basis. In quarter 1 (Q1) of the year, the company earns £1 million in revenue. In quarter 2 (Q2), the company's revenue increases to £1. 2 million. Now we can calculate the change in revenue from Q1 to Q2: QoQ revenue growth =...
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### On-demand computing (ODC)
- Published: 2024-02-20
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/on-demand-computing/
Definition On-demand computing (ODC), also known as utility computing or pay-as-you-go computing, is a cloud computing model in which computing resources are provided and accessed dynamically over the internet on an as-needed basis. What is on-demand computing? On-demand computing allows organisations to access and use computing resources quickly and efficiently without the need for significant upfront investment in hardware or infrastructure. Resources are allocated dynamically based on demand, allowing users to scale up or down to meet changing workload requirements. On-demand computing follows a pay-as-you-go pricing model, where users are billed based on their actual usage of computing resources. This eliminates the need for upfront capital investment in hardware or long-term contracts and provides cost transparency and predictability for organisations. Furthermore, on-demand computing leverages the internet to deliver computing resources to users anywhere in the world with an internet connection. This enables organisations to access and use computing resources from multiple geographic locations, improving accessibility, collaboration, and scalability. Lastly, on-demand computing providers often offer a wide range of managed services, including infrastructure management, security, compliance, monitoring, and support. These services help organisations offload operational tasks, reduce complexity, and focus on core business activities. Example of on-demand computing Let's say a small software development startup, "Tech Innovations Inc. ," needs computing resources to deploy and test their new application. Instead of purchasing and maintaining physical servers, they decide to use on-demand computing services from a cloud provider. Using on-demand computing, Tech Innovations Inc. can quickly provide virtual servers, storage, and networking...
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### Net foreign income
- Published: 2024-02-20
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/net-foreign-income/
Definition Net foreign income refers to the total income earned by a country's residents from foreign sources, minus the income earned by foreign residents within that country. What is net foreign income? Net foreign income is a measure of the net flow of income between a country and the rest of the world, reflecting the earnings from international trade, investment, and other economic activities. Net foreign income consists of various components, including: Exports and imports: Income earned from exporting goods and services to foreign countries and income paid for importing goods and services from foreign countries. Foreign investment: Income earned from foreign direct investment, portfolio investment, and other financial transactions with foreign organisations. Remittances: Income received from foreign workers sending money back to their home country (remittances) and income paid to foreign workers within the country. Interest, dividends, and royalties: Income earned from interest on foreign loans, dividends from foreign investments, and royalties from the use of intellectual property rights abroad. The formula for calculating net foreign income is: Net Foreign Income = Total income from foreign sources − Income earned by foreign residents Net foreign income is an important indicator of a country's economic relationship with the rest of the world. A positive net foreign income indicates that a country is earning more from its international activities than it is paying out. Conversely, a negative net foreign income suggests that a country is paying out more income to foreign organisations than it is earning. Example of net foreign income...
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### Month to date (MTD)
- Published: 2024-02-20
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/month-to-date/
Definition Month to date (MTD) is a financial metric used to track and analyse the performance of a particular measure or variable from the beginning of the current month up to the present date. What is month to date? Month to date provides insight into how a certain metric has performed within the current month relative to previous months or specific targets. MTD measures the performance of a metric, such as revenue, expenses, sales, or other key performance indicators (KPIs), from the first day of the current month up to the present date. It is typically calculated on a daily basis and provides a real-time snapshot of performance throughout the month. MTD is calculated by summing up the values of the metric from the first day of the month to the current date. For example, to calculate MTD revenue, you would add up the daily revenue figures from the first day of the month to the present day. Furthermore, MTD serves as a tool for monitoring progress towards monthly goals, objectives, or budgets. It enables businesses to track their performance in real-time and take corrective actions if performance deviates from expectations. MTD can be applied to various metrics and performance indicators across different industries and sectors, making it a handy and widely used tool for performance tracking and analysis. Example of month to date ABC Corporation is tracking its sales performance for the current month, which is January. Today's date is January 15th. To calculate the month to date sales,...
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### Month over month (MoM)
- Published: 2024-02-20
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/month-over-month/
Definition Month over month (MoM) is a financial metric used to compare the performance of a particular variable or indicator between two consecutive months. What is month over month? Month over month is commonly employed in business and finance to analyse trends, identify patterns, and monitor changes over time. MoM compares data from one month to the previous month and analyses can be applied to various types of data, including revenues, expenses, profits, sales volume, customer acquisition, website traffic, and other key performance indicators (KPIs). The primary measure used in MoM analysis is the percentage change between the two months. This is calculated using the formula: MoM % change = ( (Current month value − Previous month value) / Previous month value) x 100% A positive MoM percentage change indicates growth or improvement, while a negative MoM percentage change indicates a decline or deterioration. It's important to consider seasonal factors and cyclical patterns when interpreting MoM changes, as certain months may exhibit consistent seasonal variations due to factors such as holidays, weather, or industry-specific trends. Example of month over month ABC Retail Corporation analyses its monthly sales data for the first quarter of the year. They observe the following sales figures for January and February: January sales: £100,000 February sales: £120,000 To calculate the MoM percentage change in sales from January to February: MoM % change = ( (February sales - January sales) / January sales) x 100% MoM % change = ( (£120,000 - £100,000) / £100,000) x 100%...
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### Market value
- Published: 2024-02-20
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/market-value/
Definition Market value, also known as fair market value, refers to the current price at which an asset, security, or goods can be bought or sold in a competitive market. What is market value? Market value represents the price that a willing buyer and a willing seller would agree upon in an open and unrestricted transaction, assuming both parties have reasonable knowledge of the asset's characteristics and current market conditions. In financial markets, market value is commonly used to assess the worth of various types of assets, including stocks, bonds, real estate properties, goods, and derivatives. It serves as a key metric for investors, analysts, and policymakers to make informed decisions regarding investment strategies, asset allocation, and risk management. Market value can fluctuate over time in response to changing market conditions, investor perceptions, and external factors. It is not static and can vary from one moment to the next. Additionally, market value allows for comparisons between different assets or investments within the same market or asset class. Investors can assess the relative attractiveness of various opportunities based on their market values. It's important to note that market value may not always accurately reflect the core value of an asset, especially in cases of market inefficiency. Example of market value ABC Corporation, a manufacturing company, is considering buying a competitor, XYZ Inc. As part of the due diligence process, ABC Corporation assesses the market value of XYZ Inc. To determine the market value of XYZ Inc. , ABC Corporation analyses various...
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### Employer PAYE reference number
- Published: 2024-02-12
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/employer-paye-reference-number/
Definition The employer PAYE reference number, often shortened as "PAYE reference," is a unique identifier assigned to employers by HM Revenue and Customs (HMRC). What is an employer PAYE reference number? An employer PAYE reference number is used to administer and manage pay as you earn (PAYE) taxes, which are deducted from employees' salaries and paid to HMRC by their employers. When an employer registers with HMRC for PAYE purposes, they are assigned a unique PAYE reference number. This number is used to identify the employer's PAYE scheme and is linked to their tax records. The PAYE reference number is a unique combination of letters and numbers. It typically consists of three parts: A two-digit HMRC office number, which identifies the tax office that handles the employer's PAYE affairs. A unique reference code assigned to the employer's PAYE scheme. A check digit, which is used to verify the accuracy of the reference number. Employers use their PAYE reference number when reporting payroll information to HMRC, including employee earnings, tax deductions, National Insurance contributions, and other relevant details. Example of an employer PAYE reference number Here's a simplified example of an employer PAYE reference number: Employer: ABC Ltd PAYE reference number: 123/A45678 In this example, "123" represents the HMRC office number, "A45678" is the unique reference code assigned to ABC Ltd's PAYE scheme.
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### County court judgment (CCJ)
- Published: 2024-02-09
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/county-court-judgment/
Definition A county court judgment (CCJ) is a legal ruling issued by a county court against an individual or business that has failed to repay money owed to a creditor. What is a county court judgment? CCJs are typically obtained when a creditor takes legal action against a debtor for non-payment of debts, such as unpaid loans, credit card bills, or outstanding invoices. To obtain a CCJ, a creditor must file a claim against the debtor in a county court, providing evidence of the debt owed and the debtor's failure to repay. The court reviews the claim and issues a judgment if it finds in favour of the creditor. Debtors have the opportunity to respond to the claim and defend themselves in court before a judgment is made. If the debtor fails to comply with the terms of the CCJ and repay the debt by the specified deadline, the creditor can take further legal action to enforce the judgment. Enforcement options may include obtaining a warrant to seize assets, garnishing wages, or placing a charge on the debtor's property. A CCJ on a debtor's credit record can have negative consequences, affecting their ability to obtain credit, loans, mortgages, or other financial products in the future. CCJs remain on the register for six years, even if the debt is repaid. Example of county court judgment John borrowed £5,000 from a bank to start a small business. Despite initial success, John's business struggled, and he was unable to repay the loan. After...
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### Non-amortisation loan
- Published: 2024-02-08
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/non-amortisation-loan/
Definition A non-amortising loan, also known as a bullet loan or interest-only loan, is a type of loan where the borrower is required to repay only the interest on the principal amount borrowed throughout the loan term. What is a non-amortisation loan? Unlike traditional loans, which require periodic payments that include both principal and interest, non-amortising loans typically involve making interest payments over the loan term, with the principal amount due in full at the end of the loan term. Non-amortising loans are commonly used for short-term financing needs or as bridge loans to finance projects or investments with expected cash flows or refinancing options in the future. They are often favoured by borrowers who expect to have sufficient funds available to repay the principal amount by the end of the loan term. These types of loans typically carry higher risk for lenders compared to traditional amortising loans since the entire principal amount is due at maturity. Lenders may require borrowers to meet specific criteria or provide collateral to reduce this risk. Non-amortising loans offer flexibility for borrowers who may prefer lower monthly payments during the loan term, allowing them to allocate funds for other purposes or investments. The interest rate on non-amortising loans may be fixed or variable, depending on the terms negotiated between the borrower and the lender. Borrowers may benefit from lower initial interest rates compared to traditional loans, but they should be aware of potential interest rate risk if rates rise during the loan term. Example...
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### CT600
- Published: 2024-02-07
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/ct600/
Definition The CT600 is a form used by companies in the UK to report their corporation tax liability to HM Revenue and Customs (HMRC) What is CT600? A CT600 is a comprehensive document that must be completed annually by all UK resident companies, including those limited by shares, guarantee, or an unlimited company that carries on a trade or business. Based on the information provided, the CT600 form calculates the amount of corporation tax owed by the company for the accounting period. This includes applying the relevant corporation tax rates to the taxable profits and accounting for any deductions, reliefs, or credits applicable. The CT600 form must be submitted to HMRC within 12 months of the end of the company's accounting period. Failure to submit the form on time may result in penalties and interest charges imposed by HMRC. HMRC reviews CT600 submissions to ensure compliance with tax laws and regulations. Companies are required to accurately report their financial information and calculate their corporation tax liability in accordance with tax legislation. Non-compliance may result in HMRC conducting investigations, imposing penalties, or taking legal action to recover unpaid taxes. CT600 vs. corporation tax return The terms "CT600" and "corporation tax return" are closely related but refer to different aspects of the corporation tax filing process in the UK. The CT600 is the specific form used to report a company's financial details and tax liability to HMRC. The corporation tax return refers to the entire process of reporting and paying corporation tax,...
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### Cost per unit
- Published: 2024-02-07
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/cost-per-unit/
Definition Cost per unit is a financial metric used to measure the average cost incurred by a company to produce a single unit of a product or service. What is cost per unit? Cost per unit is a fundamental concept in accounting and is key for assessing the profitability and efficiency of production processes. The formula to calculate cost per unit is: CPU = Total cost / Total units produced  Cost per unit can vary depending on factors such as economies of scale, production volume, efficiency of operations, and fluctuations in input costs. Generally, as production volume increases, the cost per unit tends to decrease due to the spreading of fixed costs over a larger number of units. Furthermore, cost per unit serves as a basis for setting product prices. Understanding the cost structure allows businesses to establish pricing strategies that ensure profitability while remaining competitive in the market. By comparing the cost per unit with the selling price per unit, businesses can determine the profitability of their products or services. This analysis enables them to identify high-margin products or areas where costs need to be reduced to improve profitability. Cost per unit vs. price pr. unit Cost per unit refers to the expenses incurred to produce or buy a single unit of a product, including factors like materials, labor, and overhead. It is key in determining profitability and setting competitive prices. On the other hand, price per unit indicates the amount customers pay to purchase each unit, influencing revenue...
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### Scrap value
- Published: 2024-01-31
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/scrap-value/
Definition Scrap value is the estimated value of an asset's components or materials when the asset is no longer in use or at the end of its useful life. What is scrap value? Scrap value is a key consideration in asset depreciation, accounting, and financial decision-making. It represents the amount that can be obtained from selling the parts or materials of an asset after it has been fully depreciated or is no longer useful for its intended purpose. In the context of depreciation, scrap value is an essential component in calculating the depreciation expense of an asset. The formula for straight-line depreciation is: Depreciation expense = (Cost of asset − Scrap value) / Useful life Some assets may have a scrap value of zero, indicating that they are expected to have no residual worth after being fully depreciated. Scrap value affects the tax implications of an asset. If the scrap value is substantial, it can impact the total depreciation claimed over an asset's life. Residual value vs. scrap value: While the terms are often used similarly, there can be nuances. Residual value may imply some remaining usefulness, while scrap value specifically refers to the value obtained by selling the materials as scrap. Example of scrap value ABC Manufacturing Company purchases a machine for £30,000, which it anticipates using for production over the next 10 years. The machine is estimated to have a scrap value of £2,000 at the end of its useful life. Using straight-line depreciation, the annual depreciation expense...
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### Salvage value
- Published: 2024-01-31
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/salvage-value/
Definition Salvage value, also known as residual value or scrap value, is the estimated monetary worth of an asset at the end of its useful life.   What is salvage value? Salvage value represents the amount that an asset is expected to be worth after it has been fully depreciated or used up. Salvage value is an important concept in accounting, finance, and asset management, influencing decisions related to depreciation, asset valuation, and overall financial planning. In the context of depreciation, salvage value is a key component in calculating the depreciation expense of an asset. The formula commonly used is straight-line depreciation: Depreciation expense = (Cost of asset − Salvage value) / Useful life Some assets may have a salvage value of zero, indicating that they are expected to have no residual worth after being fully depreciated. In the case of damaged or totalled assets, the salvage value may be considered in insurance claims to determine the overall loss or value of the asset. What are the different depreciation methods? Different depreciation methods are used to allocate the cost of an asset over its useful life. Here are the main types: Straight-line depreciation: Allocates an equal amount of depreciation each year over the asset's useful life. It is calculated by dividing the cost of the asset minus its salvage value by the number of years of its useful life. Declining balance depreciation: An accelerated method where the asset depreciates faster in the earlier years. The most common type is the...
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### Liquidation value
- Published: 2024-01-30
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/liquidation-value/
Definition Liquidation value refers to the estimated cash value that an asset or a business would gain if it were to be sold or liquidated. What is liquidation value? Liquidation value is the amount of money that could be realised from the sale of assets, typically in a relatively short time frame. It’s crucial in various financial contexts, such as bankruptcy proceedings, mergers and acquisitions, and investment analysis. Liquidation value can be calculated using the formula: Liquidation value = Total assets − Total liabilities In bankruptcy cases, the liquidation value becomes relevant when a company is unable to meet its financial obligations. Creditors may receive distributions based on the liquidation value of the company's assets. Investors may consider the liquidation value when evaluating the worth of a company's assets. This analysis provides a downside risk assessment. Example of liquidation value XYZ Electronics, a struggling electronics manufacturer, is facing financial difficulties and is considering liquidation. Assets: XYZ Electronics has assets, including manufacturing equipment, inventory, and intellectual property, with a total estimated value of £5 million. Liabilities: The company has outstanding debts and obligations, including loans and payables, totaling £3 million. The liquidation value can now be calculated as: Liquidation Value = £5 million - £3 million = £2 million If XYZ Electronics were to go through a liquidation, the estimated proceeds would be approximately £2 million. This amount would be distributed among creditors, with any remaining funds going to equity holders.
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### Chief analytics officer (CAO)
- Published: 2024-01-23
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/chief-analytics-officer/
Definition A chief analytics officer (CAO) is a senior executive within an organisation responsible for leading and overseeing the strategic use of data analytics and data-driven insights to drive business decision-making and enhance overall performance. What is a chief analytics officer (CAO)? CAOs are key in developing and executing the organisation's data strategy. This involves establishing policies, procedures, and governance frameworks to ensure the quality, security, and ethical use of data across the enterprise. A CAO works closely with business leaders to understand organisational goals and challenges. By aligning analytics initiatives with business objectives, this person makes sure that data-driven insights contribute directly to strategic decision-making and business success. Some CAOs focus on identifying opportunities to monetise data assets. This may involve developing new data products, exploring partnerships, or leveraging data to create revenue streams for the organisation. Effective communication is crucial for CAOs. They translate complex analytics findings into actionable insights for non-technical stakeholders, fostering a data-driven culture within the organisation. Example of chief analytics officer (CAO) Let's consider an example of a chief analytics officer (CAO) in a technology company: XYZ Tech Solutions is a rapidly growing technology firm specialising in developing software solutions for various industries. Sarah serves as the CAO at XYZ Tech Solutions. She plays a crucial role in leveraging analytics to drive strategic decisions within the organisation. Data strategy: Sarah developed a comprehensive data strategy for XYZ Tech Solutions, outlining the ways in which data would be collected, processed, and used to enhance business...
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### Preferential rates
- Published: 2024-01-23
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/preferential-rates/
Definition Preferential rates refer to reduced or favourable tariff rates granted to certain goods when traded between countries that have established preferential trade agreements.   What are preferential rates? Preferential rates contribute to the facilitation of trade by reducing the cost of imported goods, promoting market access, and encouraging economic cooperation among participating countries. Preferential rates are typically lower than the standard or most-favoured-nation (MFN) rates that would apply in the absence of such agreements. Preferential trade agreements (PTAs) are agreements between two or more countries that involve the reduction or elimination of trade barriers such as tariffs for certain goods.   To qualify for preferential rates, goods must meet specific origin criteria outlined in the trade agreement. These criteria ensure that the benefits of preferential treatment are extended only to goods originating from the countries that are parties to the agreement. Some preferential trade agreements allow for cumulation, which means that inputs or components sourced from one or more participating countries can be considered as originating from the exporting country. This facilitates the use of inputs from different countries while still qualifying for preferential rates. Example of preferential rates Let's consider an example of preferential rates between Country A and Country B. The trade agreement outlines that certain goods traded between these countries are eligible for preferential tariff rates. In this scenario: Standard tariff rate: The standard or most-favoured-nation (MFN) tariff rate for a specific product, let's say bicycles, is 10%. Preferential tariff rate: Under the terms of the...
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### Customs value
- Published: 2024-01-23
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/customs-value/
Definition Customs value refers to the monetary worth of goods as assessed by customs authorities for the purpose of calculating duties, taxes, and other charges when these goods cross international borders. What is the customs value? Customs value is the actual transaction value of the goods being imported. This includes all payments made by the buyer to the seller, or on behalf of the seller, for the goods. The determination of customs value is crucial in customs clearance processes and is governed by international standards  The primary method for determining customs value is the transaction value method, which is based on the price actually paid or payable for the goods when sold for export. This value includes all costs incurred up to the point of delivery to the country of importation. In transactions involving related parties, customs authorities may evaluate the declared value to make sure it reflects a fair market value. Adjustments may be made if the relationship between the buyer and seller has influenced the price. If the buyer provides any assistance, materials, or services for the production of the imported goods without charge or at reduced cost, the value of such assists may be added to the customs value. The customs value must be expressed in the currency of the country of importation. Exchange rates are applied for converting the value if the transaction is conducted in a currency other than that of the importing country. Example of customs value  Let's consider the importation of a shipment...
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### Net expenditure
- Published: 2024-01-16
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/net-expenditure/
Definition Net expenditure refers to the total amount of money spent by an organisation after accounting for any offsetting revenues, refunds, or recoveries. What is net expenditure? Net expenditure represents the actual cost incurred, taking into consideration both expenditures and any incoming funds that reduce the overall financial outlay. To calculate net expenditure you can use the following formula: Net expenditure = Gross expenditure - Revenues and recoveries Net expenditure is often considered in budgeting and financial management to assess the true cost of operations. It provides a more accurate picture of the financial impact on an organisation’s resources. In business, net expenditure is essential for evaluating the financial health of a company. It allows for a more comprehensive assessment of costs and revenues, helping management make informed decisions. Furthermore, net expenditure is reflected in financial statements, providing stakeholders with a clear understanding of the actual financial impact of operations. It contributes to transparency and accountability in financial reporting. Example of net expenditure Let's consider a manufacturing company called "ABC Industries. " In a particular month, ABC Industries generates total revenue of £100,000. However, the company incurs various expenses during the same period totalling £80,000. Now, net expenditure for ABC Industries can be calculated: Net expenditure = £100,000 - £80,000 = £20,000 In this example, the net expenditure for ABC Industries is £20,000. This represents the difference between the total revenue generated by the company and the total expenses incurred during the month.
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### Indirect cost
- Published: 2024-01-16
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/indirect-cost/
Definition Indirect costs, commonly referred to as overhead costs, are expenses that are challenging to directly assign to a specific product, project, or activity. What are indirect costs? Unlike direct costs, which can be directly tied to a specific cost object, indirect costs are incurred for the overall operation of a business and are shared among various cost objects. Indirect costs are often considered fixed costs as they do not vary directly with production levels and are incurred regardless of the volume of goods or services produced. Understanding and properly allocating indirect costs is important for businesses to determine the true cost of production, set pricing strategies, and assess overall profitability. It helps in making informed decisions about resource allocation and budgeting. Examples of indirect costs Overhead costs: Costs associated with the general operation of a business, including rent, utilities, insurance, and property taxes. Administrative salaries: Salaries of employees who provide administrative support but may not be directly involved in production or service delivery. Depreciation: The gradual loss of value of long-term assets like machinery or buildings over time. Maintenance costs: Costs incurred to maintain and repair equipment or facilities that support overall business operations. Indirect labour: Wages of employees who contribute to the overall functioning of the business but are not directly involved in production.
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### Sell rate  
- Published: 2024-01-04
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/sell-rate/
Definition Sell rate typically refers to the exchange rate at which a financial institution, such as a bank, sells foreign currency to its customers. What is a sell rate? The sell rate is an important component of currency exchange transactions and plays a significant role in international trade and finance. Businesses involved in international trade often need to deal with multiple currencies. The sell rate becomes relevant when these businesses convert their local currency into a foreign one. Financial institutions, acting as intermediaries, provide sell rates to customers looking to buy foreign currency. The sell rate includes a markup, which represents the profit margin for the financial institution in the currency exchange deal. The difference between the sell rate and the buy rate is known as the spread. It serves as the expense for customers, representing the convenience of exchanging currency at that specific financial institution. Financial institutions make a profit on currency exchange by offering sell rates that are slightly higher than the current market rates. The markup helps cover the institution's operating costs and generates revenue. The sell rate directly affects the cost of conducting international business for companies involved in cross-border transactions. If the sell rate is higher, businesses end up paying more in their local currency to obtain foreign currency, which can affect their overall costs and potentially impact profit margins. Financial institutions consider various risk factors when determining sell rates, including currency market volatility and geopolitical risks. These considerations help manage potential risks associated with...
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### Buy rate  
- Published: 2024-01-04
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/buy-rate/
Definition The term "buy rate" typically refers to the interest rate at which a financial institution, such as a bank, can borrow money from another financial institution or central bank. This rate is essential in various financial transactions and can affect businesses looking for funding. What is a buy rate? The buy rate directly affects the cost of funds for financial institutions. This cost, in turn, influences the interest rates at which businesses can borrow money. When buy rates are low, it's usually cheaper for businesses to borrow money, which is good for the economy. On the other hand, higher buy rates may result in increased borrowing costs for businesses. The buy rate is closely tied to the credit markets. Changes in the buy rate set off a chain reaction, affecting interest rates on different financial tools, like bonds and loans. As a result, it influence the financing options available to businesses The buy rate also reflects the risk in the financial markets. Financial institutions with higher credit risk may face higher buy rates. This shows that lenders want extra compensation for taking on more risk. Example of buy rate XYZ Motors, a car dealership, partners with ABC Bank to offer financing options to its customers. 1. Buy rate negotiation: ABC Bank provides a "buy rate" to XYZ Motors, which is the interest rate at which the bank is willing to lend money to the dealership for each car loan. In this case, the buy rate is 4% 2. Customer...
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### Write down
- Published: 2023-12-19
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/write-down/
Definition In business and finance, a "write down" refers to the accounting practice of reducing the book value of an asset on a company's balance sheet. What is a write down? This adjustment is made when the fair market value of the asset has declined below its carrying amount, or the amount at which it is currently recorded on the books. A write down is a recognition that the asset's recoverable value has decreased, and it provides a more accurate representation of the asset's true economic value. The primary reason for a write down is that the carrying amount of an asset exceeds its recoverable amount. This can happen due to factors such as a decline in market value, technological obsolescence, or changes in economic conditions. Impairment triggers a write down, and the assessment of impairment is typically conducted for assets like goodwill, intangible assets, long-term investments, or property, plant, and equipment. The write down is recorded as an expense on the income statement, reducing the company's net income. At the same time, the value of the impaired asset on the balance sheet is adjusted downward. Write downs may have tax implications. In some jurisdictions, the decrease in the value of assets can lead to tax deductions, reducing the company's taxable income. Companies are required to disclose significant write downs in financial statements to provide transparency to investors and stakeholders. Example of a write down ABC Corporation, a technology company, holds inventory of electronic components that have become obsolete due...
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### Withdrawal
- Published: 2023-12-19
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/withdrawal/
Definition A withdrawal refers to the act of removing funds from a business account or using business resources for personal or non-business purposes. What is a withdrawal? The term "withdrawal" is commonly associated with business structures, where the business and the business owner's personal finances are closely intertwined. It's essential to distinguish between business and personal finances to maintain accurate accounting records and financial transparency. In accounting terms, a withdrawal affects the owner's equity in the business. Owner's equity represents the owner's interest in the business and is influenced by factors such as investments, profits, and withdrawals. Business owners may need to report withdrawals as taxable income, and the tax treatment can vary based on the business structure and local tax regulations. In partnerships, withdrawals are often associated with changes in partners' capital accounts. The partners' capital accounts reflect their ownership interests and are adjusted for contributions, profits, and withdrawals. Business owners need to be aware of legal and regulatory requirements related to withdrawals. Some jurisdictions may have specific rules governing the distribution of profits and the treatment of withdrawals. Proper documentation is essential when making withdrawals. Business owners should keep records of transactions, clearly indicating whether funds are withdrawn for personal use or legitimate business expenses. Business owners should incorporate withdrawal plans into their overall business planning. This involves considering the impact on cash flow, budgeting for personal and business expenses separately, and aligning withdrawals with the business's financial goals. Example of a withdrawal ABC Company's CFO, Jane, decides...
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### Term loan
- Published: 2023-12-19
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/term-loan/
Definition A term loan is a type of loan that provides a specific amount of capital to a business for a predetermined period, or term, with a fixed or variable interest rate. What is a term loan? This form of financing is widely used by businesses for various purposes, including expansion, equipment purchase, working capital, or other long-term investments. Term loans provide businesses with a lump sum amount, and the borrower is required to repay the loan over a set period through regular instalments. Term loans can have fixed or variable interest rates. A fixed interest rate remains constant throughout the term of the loan, providing predictability for the borrower's monthly payments. On the other hand, a variable interest rate may change over time based on fluctuations in a reference interest rate, such as the prime rate. Term lengths can vary widely, ranging from a few years to several decades, depending on the purpose of the loan and the agreement between the borrower and the lender. Term loans can be secured or unsecured. Secured loans require collateral, such as business assets, to secure the loan, providing the lender with a source of repayment in case of default. Unsecured loans do not require collateral but may have higher interest rates to compensate for the increased risk for the lender. Lenders typically assess the creditworthiness of the business before approving a term loan. This evaluation considers factors such as the business's financial health, credit history, cash flow, and the purpose of the...
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### Tax credit
- Published: 2023-12-19
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/tax-credit/
Definition In a business context, a tax credit refers to a financial incentive provided by the government to encourage certain activities or behaviours that are considered beneficial to the economy, the environment, or specific industries. What is tax credit? Business tax credits work similarly to individual tax credits but are designed to stimulate business investment, research and development, environmental sustainability, and other activities that contribute to economic growth. Various types of business tax credits exist, addressing different aspects of business activities. Common types include: Research and development tax credit: Encourages businesses to invest in research and development activities. Investment tax credit: Provides incentives for businesses to invest in qualifying assets, such as machinery, equipment, or renewable energy systems. Work opportunity tax credit: Offers incentives to hire individuals from specific target groups facing barriers to employment. Renewable energy tax credits: Promote the use of renewable energy sources, such as solar, wind, and biomass. Each business tax credit has specific qualification criteria that businesses must meet to be eligible. These criteria may include the type of activity, the industry, the amount of investment, or other factors. Business tax credits are typically calculated as a percentage of eligible expenses or investments. The specific calculation method varies depending on the type of credit. Businesses engaged in international activities may benefit from tax credits related to foreign taxes paid or incentives for specific international investments. Claiming business tax credits often requires thorough record keeping and documentation to substantiate eligibility and support credit calculations. Businesses should...
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### Sales tax
- Published: 2023-12-19
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/sales-tax/
Definition Sales tax is a consumption-based tax imposed by governments on the sale of goods and, in some cases, services. What is sales tax? Sales tax is a form of indirect tax that is typically collected by the seller at the point of sale and then paid to the government. The tax is usually calculated as a percentage of the retail price of a product or service and is added to the total amount paid by the consumer. Sales tax rates vary widely depending on the jurisdiction. Different levels of government may impose their own sales tax rates, and within a country or state, local jurisdictions may have their own rates. Sales tax systems can be destination-based or origin-based. In a destination-based system, the tax rate is determined by the location where the goods are consumed, while in an origin-based system, it is based on the location of the seller. Sellers are responsible for paying the collected sales tax to the relevant tax authority. This involves periodic reporting and payment, and failure to do so can result in penalties. If you want to find out how much sales tax you are supposed to be paying, try our sales tax calculator today. Example of sales tax Let's say Sarah goes to a local electronics store to purchase a new smartphone. The price of the smartphone is £800, and the sales tax rate in her area is 8%. Calculating sales tax: Sarah needs to calculate the sales tax on the smartphone. She...
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### Writing down allowances (WDA)
- Published: 2023-12-19
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/writing-down-allowances/
Definition Writing down allowance (WDA) is a term commonly used in the UK in the context of capital allowances. Capital allowances are a form of tax relief that businesses can claim on certain types of capital expenditure, allowing them to deduct a portion of the cost from their taxable profits. What is writing down allowance? Writing down allowance is calculated using the reducing balance method. This means that the allowance is applied to the decreasing value of the asset, taking into account any allowances claimed in previous years. Qualifying expenditure refers to the eligible cost of the asset on which a business can claim writing down allowance. It typically includes the actual cost of the asset plus certain additional costs related to its purchase and installation. At the time of selling or disposing of the asset, businesses may need to calculate balancing allowances or charges. This takes into account any unclaimed allowances or adjustments for previous claims. The annual investment allowance is a separate allowance that provides 100% relief on qualifying capital expenditure up to a certain limit. Writing down allowance may apply to the remaining expenditure beyond the AIA limit. If a business does not fully use its writing down allowance in a particular tax year, the unclaimed portion can be carried forward to following years. Tax laws and regulations, including capital allowances, may be subject to changes. Businesses should stay informed about updates and seek professional advice to ensure compliance. When to use writing down allowances Writing down...
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### Structures and buildings allowance (SBA)
- Published: 2023-12-19
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/structures-and-buildings-allowance/
Definition The structures and buildings allowance is a tax relief and was introduced by the UK government to stimulate investment in the construction industry and support economic growth. What is the structures and buildings allowance? It serves as a motivation for businesses to invest in new non-residential structures and buildings. The allowance applies to capital expenditure on the construction of new non-residential structures and buildings, including costs related to construction, renovation, and conversion. It typically covers costs such as materials, labour, and professional fees directly associated with the construction process. Qualifying structures and buildings include commercial properties, industrial facilities, offices, and other non-residential structures. The allowance is not applicable to residential buildings. Businesses can claim the structures and buildings allowance annually as a capital allowance over a period of 50 years. This extended claim period is intended to provide businesses with a long-term benefit for their investment in eligible structures and buildings. To qualify for the allowance, the business must own the structure or building. This requirement make sure that the tax relief benefits the actual investors in the construction project. If the ownership of the qualifying structure or building changes, the structures and buildings allowance can be transferred to the new owner, making sure that the tax relief continues to benefit the property's investors. Tax laws and regulations may be subject to changes and updates. It's advisable for businesses to consult with tax professionals or refer to the latest government guidance for the most current information on the structures...
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### Spring statement
- Published: 2023-12-19
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/spring-statement/
Definition The spring statement is a financial statement made by the Chancellor of the Exchequer in the UK. It is distinct from the annual budget and is usually presented in March, providing an update on the government's economic and fiscal plans. What is a spring statement? The Chancellor uses the spring statement to discuss the current economic conditions and provide forecasts for key economic indicators such as growth, inflation, and employment. The statement offers insights into the state of public finances, including government revenues, expenditures, and borrowing. It may include updates on progress toward fiscal targets. The Chancellor may use the spring statement to outline the government's long-term economic and fiscal plans, providing a strategic vision for the years ahead. If there have been significant changes in the economic environment since the last budget, the spring statement may address how the government plans to respond to these changes. The Chancellor uses the spring statement as an opportunity to announce public consultations on specific fiscal or economic issues. This allows stakeholders to provide input before major decisions are made. It's important to note that the specific details and content of the spring statement can vary from year to year based on economic conditions, government priorities, and other factors.
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### Repayment
- Published: 2023-12-19
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/repayment/
Definition Repayment refers to the process of returning borrowed funds or fulfilling a financial obligation according to the terms. What is a repayment? A repayment is a key aspect of financial transactions and involves the repayment of both principal and interest associated with loans or credit arrangements. Repayments are fundamental to maintaining financial integrity, establishing creditworthiness, and fostering trust between borrowers and lenders. Types of repayments: Principal repayment: Refers to the repayment of the original amount borrowed or the outstanding balance of a loan. Interest repayment: Involves the payment of interest charges accrued on the borrowed amount. Repayment terms are set in loan agreements and include details such as: Repayment schedule: Specifies the timing and frequency of repayments (e. g. , monthly, quarterly). Interest rate: Determines the cost of borrowing and the amount of interest payable. Loan term: The duration over which the loan is to be repaid. Amortisation is a common method of loan repayment where borrowers make regular payments that include both principal and interest. Over time, a larger portion of the payment goes toward reducing the principal. Calculate it here and see your amortisation schedule. Loan repayments are reflected in a company's financial statements. The cash flow statement, in particular, shows the movement of cash related to loan repayments. Some loans may allow for early repayment, enabling borrowers to pay off the loan before the scheduled maturity date. However, this may involve prepayment penalties or fees. Consistent and timely repayments positively impact a company's credit rating, demonstrating...
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### Quarterly report
- Published: 2023-12-19
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/quarterly-report/
Definition A quarterly report is a financial document made by a publicly traded company every quarter, typically at the end of each fiscal quarter. What is a quarterly report? It provides detailed information about the company's financial performance, operational activities, and overall business conditions during the three-month period covered by the report. Quarterly reports are a key communication tool between a company and its investors, analysts, regulators, and other stakeholders. The financial statements included in a quarterly report typically consist of: Income statement (profit and loss statement): Provides information on revenues, expenses, and profits or losses during the quarter. Balance sheet: Summarises the company's assets, liabilities, and shareholders' equity at the end of the quarter. Cash flow statement: Details the company's cash inflows and outflows from operating, investing, and financing activities. Companies often include operational highlights and key performance indicators (KPIs) to provide additional context on business activities, market trends, product launches, and other relevant developments. Some companies use the quarterly report to provide guidance or outlook for future quarters. This may include projections related to financial performance, market conditions, or strategic initiatives. The report typically includes a discussion of risks and uncertainties that could impact the company's performance. This helps investors and stakeholders understand the potential challenges and strategies. Investors often compare a company's current quarterly results with those of previous quarters and with analysts' expectations. Analysing trends over multiple quarters can reveal insights into a company's overall performance.
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### Net asset value
- Published: 2023-12-19
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/net-asset-value/
Definition Net asset value (NAV) is a financial metric that represents the per-share market value of a mutual fund, exchange-traded fund (ETF), or a similar investment company. What is net asset value? Net asset value is a key indicator used by investors to assess the value of their holdings. The calculation of NAV is a fundamental part of the daily operations of open-end mutual funds. The formula for calculating net asset value is: NAV = (Total assets - total liabilities) / Number of outstanding shares NAV is calculated at the end of each trading day and represents the value per share that investors would receive if the fund's assets were sold and liabilities paid off. In the context of mutual funds, NAV is used to determine the purchase and redemption price of shares. Investors buy shares at the offering price (NAV plus sales charges) and sell shares at the redemption price (NAV minus any applicable redemption fees). NAV is a crucial metric for assessing the performance of an investment fund. Changes in NAV over time reflect the gains or losses in the value of the fund's underlying assets. NAV provides transparency to investors regarding the current value of their investments. It is a critical tool for evaluating the financial health of an investment fund. Monitoring changes in NAV helps investors and fund managers assess the risks associated with the underlying assets and market conditions. Example of net asset value Let's consider a mutual fund called "ABC Equity Fund. " The...
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### Negative equity
- Published: 2023-12-18
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/negative-equity/
Definition Negative equity refers to a situation where the total liabilities of a company exceed its total assets, resulting in a net deficit in shareholders' equity. What is negative equity? In other words, the business has more financial obligations and debts than the value of its assets. Negative equity can pose significant challenges for a company and may indicate financial distress. Equity is calculated using the following formula: Equity = assets − liabilities If the result is negative, it indicates negative equity. Several factors can contribute to negative equity, including: Accumulated losses: A history of financial losses that reduces retained earnings. High debt levels: Excessive borrowing that results in a substantial amount of liabilities. Asset depreciation: A decline in the value of assets, particularly if the market value is lower than book value. Negative equity can have several implications for a business: Financial distress: It may signal financial distress, indicating that the company is struggling to cover its financial obligations. Reduced borrowing capacity: Lenders may be hesitant to extend credit or loans to a company with negative equity. Shareholder concerns: Negative equity is a cause for concern among shareholders, as it degrades the book value of their investment. Companies with negative equity may implement turnaround strategies to improve their financial position. This may involve cost-cutting, restructuring, debt renegotiation, or other measures to increase profitability and reduce liabilities. Negative equity can adversely affect how the market perceives a company. Investors and stakeholders may view it as a sign of financial instability,...
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### Money flow
- Published: 2023-12-18
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/money-flow/
Definition Money flow in business generally refers to the movement or circulation of funds within a company. What is money flow? Money flow involves the inflow and outflow of money and is a critical aspect of financial management. Understanding and effectively managing money flow is essential for businesses to maintain liquidity, meet financial obligations, invest in growth opportunities, and sustain day-to-day operations. Inflows of money into a business can come from various sources, including: Sales revenue: Money generated from the sale of goods or services. Investments: Capital injections from investors or shareholders. Loans: Borrowed funds from financial institutions. Grants and subsidies: Financial support from government programs or other organisations. Interest and dividends: Income earned from investments or financial instruments. Outflows represent the expenditures and payments made by a business, including: Operating expenses: Day-to-day costs of running the business, such as rent, utilities, and salaries. Capital expenditures: Investments in long-term assets, like equipment or facilities. Loan repayments: Payments towards principal and interest on loans. Taxes: Payment of taxes owed to government authorities. Dividends: Distributions of profits to shareholders. Effective money flow management involves optimising working capital, which is the difference between a company's current assets and current liabilities. Maintaining an appropriate level of working capital ensures the business has enough liquidity to meet short-term obligations. Businesses often create cash flow forecasts to project future money flows based on expected revenues and expenses. This proactive approach helps in anticipating and addressing potential cash flow challenges. Money flow considerations play a key role...
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### Long-term liabilities
- Published: 2023-12-18
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/long-term-liabilities/
Definition Long-term liabilities, also known as non-current liabilities, are financial obligations and debts that a company is expected to settle over an extended period, typically longer than one year. What are long-term liabilities? These liabilities represent the portion of a company's total liabilities that is not due for payment in the short term. Long-term liabilities play a key role in a company's capital structure and financial stability. Types of long-term liabilities: Long-term debt: Such as bonds and loans with maturities extending beyond one year. Deferred tax liabilities: Future tax obligations that will be paid over an extended period. Lease obligations: Long-term commitments arising from lease agreements. Pension liabilities: Commitments related to employee pension plans. Long-term provisions: Reserves set aside for expected future expenses. Long-term liabilities, along with equity and short-term liabilities, contribute to a company's capital structure. The composition of a company's capital structure influences its financial risk, cost of capital, and overall financial health. Long-term liabilities are disclosed in a company's financial statements, specifically in the balance sheet under the liabilities section. They are categorised separately from short-term liabilities to provide a clear picture of a company's financial obligations over different time horizons. Investors and analysts closely examine a company's long-term liabilities when conducting financial analysis. The composition, terms, and conditions of long-term liabilities provide insights into a company's financial strategy, risk tolerance, and future financial obligations. Example of a long-term liability ABC Company decides to expand its operations and constructs a new manufacturing facility. To finance the construction,...
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### Insider trading
- Published: 2023-12-18
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/insider-trading/
Definition Insider trading in business refers to the illegal practice of buying or selling a company's securities (such as stocks, bonds, or options) based on material, non-public information about the company. What is insider trading? This act involves individuals within the company, known as insiders, who have access to confidential information that, if disclosed, could significantly impact the company's stock value. Insider trading undermines fair market practices, as it gives certain individuals an unfair advantage over other investors who do not have access to the same information. Types of insider trading: Traditional insider trading: Buying or selling a company's securities based on material nonpublic information. Tipper-tippee trading: An insider (the tipper) provides material information to someone else (the tippee), who then trades on that information. Front-running: A broker trades on advance knowledge of future orders from their clients. Misappropriation: Outsiders gain access to confidential information and use it for securities trading. Individuals found guilty of insider trading face severe legal consequences, including fines, imprisonment, disgorgement of profits, and civil lawsuits. Companies may also face legal action if they are found to have facilitated or failed to prevent insider trading within their organisation. Companies often implement strict corporate governance measures and codes of conduct to prevent insider trading within their organisations. This includes blackout periods during which insiders are restricted from trading to avoid potential conflicts. When is insider trading illegal? Insider trading is illegal when individuals buy or sell securities based on material, non-public information in violation of a duty...
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### Fixed cost
- Published: 2023-12-18
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/fixed-cost/
Definition Fixed costs are expenses that remain constant within a certain range of production or sales volume over a specific period. These costs do not vary with the level of production or business activity and remain stable regardless of changes in output. What are fixed costs? Fixed costs are associated with the basic operation and existence of a business, and they must be paid even if production or sales decrease. Common examples of fixed costs include rent or lease payments for facilities, salaries of permanent staff, insurance premiums, property taxes, and certain administrative expenses. These costs do not vary with the number of units produced or sold. Fixed costs are typically considered within a specific time horizon, such as a month, quarter, or year. Over shorter periods, some costs that appear fixed, like rent, may be subject to change in the longer term. Understanding the fixed cost component of the overall cost structure is important for businesses. It helps in determining the break-even point—the level of production or sales at which total revenue equals total costs, including both fixed and variable costs. Since fixed costs remain constant, changes in production levels can impact the profitability of a business. As production increases, fixed costs are spread over a larger number of units, reducing the fixed cost per unit and potentially improving profit margins. Many fixed costs involve long-term commitments, such as leasing agreements or salaries for permanent employees. Businesses must carefully evaluate these commitments and consider the implications on their financial...
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### First-year allowance (FYA)
- Published: 2023-12-18
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/first-year-allowance/
Definition First-year allowance (FYA) refers to a tax incentive that allows businesses to deduct the full cost of qualifying capital expenditures from their taxable income in the year the assets are first used. What is first-year allowance? It is a method used by governments to encourage businesses to invest in specific types of assets by providing a more immediate tax benefit. First-year allowance typically applies to specific categories of capital expenditures, such as qualifying plant and machinery. These assets are essential for business operations and can include items like machinery, equipment, and certain types of vehicles. Instead of spreading the deduction over several years through depreciation, businesses can deduct the entire cost of qualifying assets in the year of purchase. This provides an immediate tax benefit and improves cash flow. To qualify for first-year allowance, assets must meet specific criteria outlined by tax authorities. The criteria may include the type of asset, its intended use, and the industry in which the business operates. Not all capital expenditures may be eligible for first-year allowance. Qualifying assets for first-year allowance may include energy-efficient equipment, certain types of machinery, environmentally beneficial technologies, and other assets that fit government priorities. Businesses can strategically plan their capital expenditures to maximise the benefits of first-year allowances. Timing the purchase of qualifying assets can have significant implications for a company's overall tax liability. Example of first-year allowance Company ABC decided to invest in new machinery to enhance its production capabilities. They purchased machinery worth £200,000 that qualifies...
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### Financial year
- Published: 2023-12-18
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/financial-year/
Definition A financial year, also known as a fiscal year or accounting year, is a 12-month period that businesses use for financial reporting and accounting purposes. What is a financial year? A financial year serves as the basis for preparing financial statements and evaluating the financial performance of an organisation. It typically spans 12 months, but the start and end dates can vary. The financial year may align with the calendar year (January 1 to December 31), but organisations often adopt alternative fiscal years based on operational or regulatory considerations. The primary purpose of having a financial year is to provide a standardised timeframe for financial reporting and performance assessment. It allows businesses to organise and analyse financial data, track revenues and expenses, and prepare financial statements such as the income statement, balance sheet, and cash flow statement. The financial year is divided into accounting periods, usually months or quarters, to simplify regular financial reporting and analysis. Quarterly reports are common, and they provide stakeholders with timely updates on the organisation's financial health. The financial year is integral to the budgeting and planning process. Businesses set financial goals, allocate resources, and plan expenditures based on their fiscal year. Budgets help guide financial decisions and measure actual performance against anticipated outcomes. Example of financial year Let's assume a company's financial year runs from January 1 to December 31. January 1, 2023, to December 31, 2023: During this period, the company conducts its business operations, generates revenue, incurs expenses, and engages in...
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### Exit strategy
- Published: 2023-12-18
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/exit-strategy/
Definition An exit strategy in business refers to a planned approach by business owners or investors to sell or transfer their ownership stake in a company. It is a strategic plan designed to allow entrepreneurs or investors to gracefully and profitably exit their involvement in a business. What is an exit strategy? Exit strategies are key components of business planning, providing a clear path for realising returns on investments or transitioning out of the business. Types of exit strategies: IPO (Initial public offering): Going public through an IPO involves listing a company's shares on a stock exchange, allowing the public to buy and sell them. This is a common exit strategy for successful startups with significant growth potential. Acquisition or merger: Selling the business to another company. This can provide financial returns and may also offer synergies with the buying company. Management buyout (MBO): In an MBO, the existing management team buys the business from its current owners, often with the support of external financing. Strategic sale: Selling to a strategic buyer, often a competitor or a company in the same industry, can lead to synergies and improved market positioning. Private equity or venture capital exit: Investors may exit a business by selling their stake to other private equity firms or venture capitalists. Liquidation: If other options are not viable, liquidation involves selling off assets and winding down the business, with the proceeds distributed to stakeholders. Determining the right time to exit is key. Factors such as market conditions, business...
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### Base rate
- Published: 2023-12-14
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/base-rate/
Definition A base rate, in the context of finance and banking, refers to a benchmark interest rate that serves as a reference point for determining the interest rates on various financial products. What is a base rate? Central banks or monetary authorities typically set the base rate as a tool to influence economic conditions, particularly to control inflation. The base rate is often set by a country's central bank. Central banks use the base rate as a monetary policy tool to regulate borrowing costs and money supply in the economy. The interest rates on loans and other financial products are commonly linked to the base rate. When the base rate changes, financial institutions adjust their interest rates accordingly. For example, a rise in the base rate may lead to higher borrowing costs for consumers and businesses. The base rate also affects interest rates on savings accounts and other interest-bearing deposits. When the base rate increases, savers may see higher returns on their deposits, while a decrease in the base rate could result in lower interest earnings. Changes in the base rate are often seen as indicators of the central bank's stance on monetary policy. A higher base rate may indicate a desire to lower inflationary pressures, while a lower base rate is typically employed to stimulate economic activity and lending. Central banks periodically review and adjust the base rate based on economic conditions, inflation targets, and other relevant factors. These adjustments are communicated to the public and financial institutions. Example...
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### Annual investment allowance (AIA)
- Published: 2023-12-14
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/annual-investment-allowance/
Definition The annual investment allowance (AIA) is a tax incentive designed to encourage business investment in qualifying assets, and is applicable to businesses operating in the UK. What is the annual investment allowance? The AIA allows a business to deduct the full value of qualifying capital expenditures from its taxable profits in the year of purchase, up to a specified limit. The AIA applies to a broad range of qualifying assets, including machinery, equipment, commercial vehicles, and certain building fixtures. It is important for businesses to make sure that the assets they intend to claim fall within the scope of the AIA. Some assets may be excluded from AIA eligibility, and certain restrictions may apply. For instance, cars do not qualify for the AIA, and special rules exist for connected parties. The allowance limit is periodically reviewed and adjusted by tax authorities. As of the last available information, the AIA limit was £1 million per annum. This means that businesses can deduct the full cost of qualifying capital expenditures, up to the specified limit, from their taxable profits. To benefit from the AIA, businesses need to make a claim in their tax returns. Adequate documentation, including invoices and details of qualifying assets, should be maintained to support these claims and comply with tax regulations. Example of annual investment allowance Capital expenditure decision: XYZ Manufacturing decides to invest in new machinery to enhance its production capabilities. The company purchases a state-of-the-art manufacturing machine for £150,000. Calculation of AIA claim: The annual...
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### Accounts receivable
- Published: 2023-12-14
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/accounts-receivable/
Definition Accounts receivable refers to the outstanding amounts that a business has yet to collect from its customers or clients for goods sold or services provided on credit. It represents the short-term financial obligations owed to the company. What is accounts receivable? Accounts receivable com from credit transactions where a company provides goods or services to customers with an agreement for deferred payment. When a business extends credit to customers, it essentially allows them to defer payment for a later date, creating an accounts receivable. In financial statements, accounts receivable are recorded as assets on the balance sheet. They represent a claim that the company has on the payment from its customers. Furthermore, accounts receivable impact a company's working capital. While they are assets, a high level of receivables may indicate potential liquidity issues. Businesses closely monitor their accounts receivable to ensure timely collection. This involves tracking overdue payments, sending reminders or statements to customers, and implementing collection strategies if necessary. Recognising that not all accounts receivable may be collected, companies often establish a provision for bad debts. This is an estimate of the portion of receivables that may not be collected due to customer defaults. Analysts and investors may assess a company's accounts receivable revenue ratio to evaluate how quickly it is collecting outstanding payments. A high revenue ratio is generally favourable, indicating effective credit management. Accounts receivable vs. accounts payable Accounts receivable and accounts payable are key components of a company's financial operations. Accounts receivable represents money owed...
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### Accounting period
- Published: 2023-12-14
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/accounting-period/
Definition An accounting period, also referred to as a fiscal period or financial period, is a defined span of time during which a business records its financial transactions and prepares financial statements. What is an accounting period? This period is the basis for reporting the organisation's financial performance and position. The duration of an accounting period can vary and is typically chosen based on the specific needs and practices of the business. Common periods include a month, a quarter, or a year. The primary reason for establishing an accounting period is to systematically organise financial data, enabling accurate and meaningful presentation of a business's economic activities. Financial statements, such as the income statement, balance sheet, and cash flow statement, are generated at the conclusion of each accounting period. These statements offer a consolidated view of revenue, expenses, assets, liabilities, and cash flows during the specified timeframe. Beyond financial reporting, accounting periods play an important role in budgeting and planning. Businesses align their budgets with specific periods to monitor and evaluate performance against predetermined expectations. For tax reporting, it's recommended to follow a set accounting period in line with the fiscal year. Accounting principles Accounting periods are essential for reporting and analysis, aiming to demonstrate stability and long-term profitability over time. The accrual method of accounting supports this by recording transactions when they occur, regardless of when cash changes hands. For instance, it spreads the expense of a fixed asset’s depreciation across its useful life, promoting comparability between accounting periods rather...
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### Vertical integration
- Published: 2023-10-26
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/vertical-integration/
Definition Vertical integration is a business strategy in which a company expands its operations across different stages of the same industry's value chain. What is vertical integration? This means the company takes control over multiple aspects of the production and distribution process, often including activities such as sourcing raw materials, manufacturing, distribution, and retail. Vertical integration allows a company to have greater control over its supply chain, ensuring a consistent and reliable supply of inputs. By internalising certain stages of production or distribution, a company may be able to reduce costs associated with external suppliers or distributors. With direct control over various stages of production, a company can maintain higher quality standards and ensure that its products meet specific criteria. Furthermore, vertical integration can create a unique advantage in the market, making it harder for competitors to replicate the same level of control and efficiency. On the other hand, operating multiple stages of the value chain can be complex and requires strong management capabilities to oversee diverse functions. Vertical integration often requires significant investment, both in terms of acquiring or building new facilities and in ongoing operational costs. If not executed carefully, vertical integration can lead to overextension, diverting resources away from the company's core competencies. Types of vertical integration There are different types of vertical integration. These include: Backward integration: This occurs when a company moves “backwards” in the production process by acquiring or controlling businesses that supply the inputs or raw materials needed for its own production. Forward...
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### Variable cost
- Published: 2023-10-26
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/variable-cost/
Definition Variable costs are expenses that vary in direct proportion to the level of production or business activity. What are variable costs? In other words, they are costs that change with the quantity of goods or services a business produces. As production increases, variable costs also rise, and as production decreases, variable costs decrease. Examples of variable costs: Raw materials: The cost of raw materials needed to manufacture products is a classic example of a variable cost. Labour: In some industries, especially those with a piece-rate payment system, labour costs are considered variable. Utilities: In many cases, the cost of utilities is tied to production levels. A factory using more energy to produce more goods is an example. Direct labour: For industries where labour costs are directly tied to production, the wages of production workers can be considered a variable cost. Sales commissions: In businesses where salespeople receive commissions based on the number of units sold, this is a variable cost. Since variable costs are directly tied to production levels, they are often considered more controllable in the short term. This means that a business can adjust its production levels to manage variable costs. Variable costs are typically accounted for in a company's income statement as direct costs of goods sold. They are matched with revenue to determine gross profit. Example of variable costs Let's consider a company that manufactures bicycles. Some of the variable costs associated with producing bicycles include: Raw materials: The cost of steel, rubber, and other...
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### Value chain
- Published: 2023-10-26
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/value-chain/
Definition A value chain is a concept in business that describes the series of activities and processes a company undertakes to create, deliver, and provide value to its customers. What is a value chain? A value chain encompasses the entire journey a product or service goes through, from its inception as raw materials to its delivery to the end consumer. Here's a detailed breakdown of the components of a value chain: Primary activities: These are the core activities directly involved in the creation and delivery of a product or service. There are five primary activities: Inbound logistics: This involves receiving, storing, and managing raw materials and components that are necessary for production. Operations: It involves converting raw materials into finished goods, assembling products, and providing services. Outbound logistics: This involves the processes required to get the finished product to the end consumer. Marketing and sales: This involves activities aimed at promoting and selling the product or service to customers. Service: This involves providing after-sales service and support to customers. It includes activities like customer support, maintenance, repairs, and warranties. Support activities: These activities are necessary to support the primary activities and contribute to the overall value creation process: Procurement: This involves the process of sourcing and acquiring the necessary inputs, including raw materials, supplies, and services, to support the primary activities. Technology development: This encompasses activities related to research, development, and implementation of technology and systems that enhance the production process and create competitive advantages. Human resource management: This involves...
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### Unlimited liability
- Published: 2023-10-26
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/unlimited-liability/
Definition Unlimited liability in business and finance refers to a legal and financial structure where the owners are personally responsible for all the debts and liabilities of the business. What is unlimited liability? Unlimited liabbility means that if the business incurs debts or legal obligations that it cannot repay, the owners' personal assets may be used to cover these obligations. Unlimited liability is most commonly associated with sole traderships and general partnerships. In these business structures, there is no legal distinction between the business and its owners. Unlike in limited liability entities, unlimited liability provides no such protection. In the event of business failure, personal assets can be used to satisfy business debts. Unlimited liability businesses may face challenges in raising capital and expanding operations, as potential investors or lenders may be hesitant to become involved due to the heightened personal risk for owners. Passing on an unlimited liability business can be complex, as it may involve personal liabilities and require careful planning for business continuity or succession. Unlimited liability vs. limited liability Unlimited liability means that business owners are personally responsible for all of the company’s debts and obligations, risking personal assets to cover liabilities. Limited liability, on the other hand, protects owners’ personal assets from business debts and obligations. Owners are only liable up to the amount they invested in the company. The choice between unlimited and limited liability impacts financial risk and legal responsibilities for business owners. How are unlimited liability companies taxed? Unlimited liability companies are...
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### Total debt to total assets ratio
- Published: 2023-10-26
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/total-debt-to-total-assets-ratio/
Definition The total debt to total assets ratio is a financial metric used to evaluate the financial leverage of a company. What is a total debt to total assets ratio? It provides insight into the proportion of a company's assets that are financed by debt, as opposed to equity. Here's how to calculate the total debt to total assets ratio: Total debt to total assets ratio = total debt / total assets A higher ratio indicates a greater portion of a company's assets are funded by debt, which can be an indicator of higher financial risk. Conversely, a lower ratio suggests that a company relies less on borrowed funds and is potentially less leveraged. Lenders and investors use this ratio to assess the risk associated with a company's debt load. A higher ratio may lead to higher interest rates for borrowing or may make it more challenging to secure credit. It's essential to compare this ratio with industry peers and historical performance to gain a more meaningful perspective on a company's financial position. Example of total debt to total assets ratio Let's consider Company XYZ, a manufacturing firm, which has the following financial information: Total debt: £500,000 Total assets: £1,000,000 To calculate the total debt to total assets ratio for Company XYZ, we use the formula listed above: Total debt to total assets ratio = £500,000 / £1,000,000 = 0. 5 In this example, Company XYZ's total debt to total assets ratio is 0. 5, or 50%. This means that...
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### Total shareholder return (TSR)
- Published: 2023-10-26
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/total-shareholder-return/
Definition Total shareholder return (TSR) is a financial metric that measures the total return an investor receives from an investment in a company's stock over a specified period. What is total shareholder return? It provides a comprehensive view of the overall performance of an investment. Total shareholder return is calculated using the following formula: TSR = capital gain (or loss) + dividends TSR provides a holistic view of how an investment in a particular stock has performed, considering both changes in stock price and income from dividends. Furthermore, TSR allows investors to compare the performance of a particular stock or investment portfolio with a chosen benchmark index or with other investments in the same industry or sector. High TSR may indicate high returns, but it could also be associated with higher risk or volatility. On the other hand, low TSR may suggest lower returns but could be linked to lower risk. Have in mind that TSR doesn't consider what an investor could have earned by investing the same capital in an alternative opportunity. Example of total shareholder return Let's consider an investor, John, who purchased 100 shares of Company XYZ's stock at £50 per share one year ago. Over the past year, Company XYZ's stock price has increased to £60 per share, and the company has paid dividends of £2 per share. Using the provided information: Ending stock price = £60 per share Beginning stock price = £50 per share Dividends per share = £2 TSR = ((£60 - £50...
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### Sole trader
- Published: 2023-10-25
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/sole-trader/
Definition A sole trader is a type of business structure where an individual operates and owns a business independently. In a sole trader business, there is no legal distinction between the owner and the business entity itself.   What is a sole trader? One of the key characteristics of a sole trader business is that the owner has unlimited liability. This means that the owner is personally responsible for all debts, liabilities, and legal obligations of the business. In the event of business debts or legal issues, the owner's personal assets may be used to cover these obligations. The owner of a sole trader business is entitled to all the profits generated by the business. However, they are also personally responsible for any losses incurred. This contrasts with other business structures where profits and losses are shared among multiple owners or shareholders. Sole traders have a high degree of flexibility and autonomy in managing their business. They have the freedom to make decisions without the need for approval from partners or shareholders. Depending on the jurisdiction, there may be specific legal requirements and regulations that sole traders must adhere to. This can include business registration, licensing, and compliance with industry-specific regulations. Tax responsibilities as a sole trader As a sole trader in the UK, you have specific tax responsibilities that differ from those of employees or other business structures. You must register for self-assessment with HM Revenue and Customs (HMRC) and file an annual tax return, declaring your income and...
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### Supply chain
- Published: 2023-10-25
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/supply-chain/
Definition A supply chain is a network of organisations, individuals, activities, resources, and information involved in the creation, production, distribution, and delivery of goods and services to end consumers. What is a supply chain? A supply chain encompasses all the stages and processes from raw material extraction to the final delivery of a product or service.   Supply chain participants: Suppliers: These are the entities that provide raw materials, components, or services needed for the production of goods or services. Suppliers can range from local vendors to global partners. Manufacturers/producers: These are the companies or entities responsible for transforming raw materials into finished products. Distributors/wholesalers: Distributors buy products from manufacturers in bulk and then sell them in smaller quantities to retailers. They play a crucial role in moving products closer to the end consumer. Retailers: These are the businesses that sell products directly to consumers. They can be physical stores, e-commerce platforms, or any other channels. Transportation and logistics companies: They handle the movement of goods within the supply chain. This includes transportation, warehousing, and inventory management. Customers/consumers: These are the ultimate end users of the products or services.   Recognising and preparing for potential disruptions, such as natural disasters, geopolitical events, or supplier issues, to ensure continuity in the supply chain is a crucial part of supply chain management. Supply chain management Supply chain management (SCM) is the coordination and oversight of all activities involved in producing and delivering goods and services to customers. It includes the entire process...
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### Startup
- Published: 2023-10-25
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/startup-definition/
Definition A startup in business refers to a newly established company or organisation that is in the early stages of its development. What is a startup? Startups are typically characterised by their focus on creating and scaling innovative products, services, or technologies to address a specific market need or problem. These companies often operate in dynamic and rapidly evolving industries, and they usually have a high growth potential. Unlike traditional small businesses, startups are designed with the intent of achieving rapid growth and scaling their operations. This is often accompanied by the pursuit of significant market share and potentially global expansion. Since startups are newly established, they have a limited operating history. This means they may not have a track record of financial performance or established customer base. Startups typically operate with lean teams and resources, seeking to accomplish as much as possible with limited capital. They often prioritise efficiency and cost-effectiveness. Furthermore, startups aim to create business models that can be scaled quickly and efficiently. This means that the potential for growth is a fundamental consideration in their strategy. Startups often employ an iterative approach to product development and business strategy. They build, measure, and learn from customer feedback to refine their offerings and business models. Example of a startup John and Sarah have an idea for a mobile application that helps users track their daily water intake and stay hydrated. They decide to turn their idea into a startup called "HydraTrack. " Concept development: John and Sarah conduct...
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### Stakeholder value
- Published: 2023-10-25
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/stakeholder-value/
Definition Stakeholder value is a management principle that emphasises the importance of creating value not only for shareholders, but also for all parties with an interest, or stake, in a company. These stakeholders include employees, customers, suppliers, communities, and the broader society.   What is stakeholder value? Stakeholder value involves identifying and understanding the various groups and individuals who are affected by or can affect the company's operations, decisions, and performance. Stakeholder value management seeks to balance the often conflicting interests of different stakeholder groups. This involves considering the needs, concerns, and aspirations of each group. Recognising the impact of business operations on the environment and taking measures to minimise negative effects, such as reducing waste, conserving resources, and adopting sustainable practices is also a part of stakeholder value. By considering the interests of all stakeholders, companies can better anticipate and manage risks related to reputational damage, legal issues, and other potential challenges. Companies committed to stakeholder value often measure and report on their performance in relation to various stakeholder groups. This can include metrics related to employee satisfaction, customer feedback, environmental impact, and community engagement. Example of stakeholder value Let's consider a multinational corporation, XYZ Corp, that manufactures consumer electronics. Customers: XYZ Corp focuses on producing high-quality products that meet the needs and expectations of its customers. Employees: XYZ Corp prioritises the well-being and professional development of its employees. It offers competitive wages, benefits, and opportunities for career advancement. Shareholders: XYZ Corp generates shareholder value by delivering strong financial...
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### Shareholder value
- Published: 2023-10-25
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/shareholder-value/
Definition Shareholder value refers to the total worth of a company as determined by the market value of its outstanding shares of stock. What is shareholder value? Shareholder value represents the monetary value that shareholders would receive if the company were to be liquidated or sold. Maximising shareholder value is a fundamental goal for many corporations, as it reflects the company's ability to generate returns for its investors. Shareholder value is calculated by multiplying the current market price of one share by the total number of outstanding shares. This provides an estimate of the total value of the company from the perspective of its shareholders. Factors affecting shareholder value: Financial performance: Factors like revenue growth, profitability, and efficient use of capital can directly impact shareholder value. Market conditions: External factors such as economic conditions, industry trends, and competitive forces can influence the market value of a company's shares. Management decisions: Effective management decisions regarding capital allocation, investments, and operational efficiency can significantly impact shareholder value. Dividend policy: The company's dividend policy can affect shareholder value, as consistent and increasing dividends are often viewed positively by investors. Maximising shareholder value should be pursued ethically and responsibly, considering the impact on all stakeholders and avoiding activities that may be detrimental to society or the environment. Example of shareholder value Let's consider a publicly traded company, XYZ Inc. , that manufactures and sells consumer electronics. Financial performance: Over the past year, XYZ Inc. has successfully increased its revenues and profits through effective marketing...
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### Sector
- Published: 2023-10-25
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/sector/
Definition In business and finance, a sector refers to a distinct category or grouping of companies, organisations, or industries that share similar characteristics, products, or services. What is a sector? Sectors are used to classify and analyse various parts of the economy based on commonalities such as the nature of the business, target market, and production methods. Understanding sectors is crucial for investors, analysts, policymakers, and business leaders as it provides insights into economic trends, investment opportunities, and risk assessment. Characteristics of a sector: Common attributes: Sectors typically consist of businesses that share similar characteristics, such as production processes, customer demographics, and market dynamics. Market focus: Sectors are defined by the markets they serve. For example, the technology sector focuses on products and services related to information technology. Businesses and investors assess the performance and prospects of specific sectors to make informed decisions about where to allocate resources or investments. Some sectors may be more sensitive to economic conditions or regulatory changes. Understand the different types of sectors Primary sector: This sector involves the extraction and harvesting of natural resources. It includes activities such as agriculture, mining, fishing, and forestry. The primary sector provides raw materials for other industries. Secondary sector: This sector involves the processing and manufacturing of raw materials into finished goods. It includes industries such as construction, manufacturing, and production. The secondary sector transforms raw materials into products that can be used by consumers. Tertiary sector: This sector provides services rather than goods. It includes activities such...
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### Return on invested capital (ROIC)
- Published: 2023-10-25
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/return-on-invested-capital/
Definition Return on invested capital (ROIC) is a financial metric used to evaluate the efficiency and profitability of a company in utilising its invested capital to generate income. What is return on invested capital? Return on invested capital provides insight into how effectively a company is deploying its capital to generate returns for its investors. Return on invested capital is calculated using the following formula: ROIC = Net operating profit after tax / Invested capital ROIC specifically focuses on the return generated from the company's core operations, excluding any financial leveraging or tax advantages. If ROIC is higher than the cost of capital, it suggests that the company is generating returns in excess of its expenses, indicating positive value creation. Companies with lower ROIC may have room for improvement in capital allocation, operational efficiency, or profitability. This metric can highlight areas for strategic focus. Ultimately, a high ROIC is indicative of a company's ability to generate value for its shareholders, which is a fundamental objective of any business. Example of return on invested capital XYZ Corporation reported a net operating profit after taxes (NOPAT) of £700,000 for the year ending December 31, 2023. Their invested capital at the beginning of the year was £4,000,000, and at the end of the year, it was £4,500,000. To calculate ROIC we use the formula from above with £4,250,000 in invested capital: ROIC = £700,000 / £4,250,000 = 0. 1647 or 16. 47% This means that XYZ Corporation generated approximately 16. 47% return for...
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### Residual value
- Published: 2023-10-24
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/residual-value/
Definition Residual value, also known as salvage value or scrap value, is a financial term used in various contexts, particularly in asset management and finance. What is a residual value? A residual value refers to the estimated value of an asset at the end of its useful life or a specific period. There are different methods used to estimate residual value, depending on the type of asset and industry. Common methods include straight-line depreciation, declining balance depreciation, and sum-of-years-digits depreciation. Residual value is essential for financial planning and budgeting. It helps businesses and individuals estimate the total cost of owning an asset over its useful life. Accurately estimating the residual value of an asset is crucial for businesses to mitigate financial risks associated with asset ownership, such as potential losses in case of asset disposal. Example of residual value Let's say you purchase a car for £30,000. After three years of use, the car's estimated residual value is £15,000. This means that after three years, the car is expected to retain £15,000 worth of value. So, if you were to sell the car after three years, its value would be £15,000.
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### Quick assets
- Published: 2023-10-24
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/quick-assets/
Definition Quick assets, also known as liquid assets or current liquid assets, refer to a company's most readily convertible and easily marketable assets into cash within a short period, typically within one year or less. What are quick assets? They are a subset of current assets. The main components of quick assets typically include: Cash: This is the most liquid asset, representing physical currency and funds held in bank accounts. Cash equivalents: These are highly liquid investments that are easily convertible to known amounts of cash and have a short maturity period Accounts receivable: These are amounts owed to a company by customers for products or services that have been delivered but not yet paid for. Quick assets are essential in assessing a company's liquidity and ability to meet its short-term obligations. Example of quick assets Company XYZ's balance sheet shows the following assets: Cash: £50,000 Marketable securities: £30,000 Accounts receivable: £20,000 Inventory: £40,000 Prepaid expenses: £10,000 To calculate the quick assets, we exclude inventory and prepaid expenses since they are not easily convertible into cash: Quick assets = £50,000 + £30,000 + £20,000 = £100,000 In this example, Company XYZ's quick assets total £100,000, which represents the amount of assets that can be quickly converted into cash to meet short-term obligations or unexpected expenses.
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### Quality of earnings
- Published: 2023-10-24
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/quality-of-earnings/
Definition Quality of earnings is a term used in finance and accounting to assess the reliability and sustainability of a company's reported earnings. What is quality of earnings? Quality of earnings is crucial for investors, analysts, and stakeholders because it provides insights into the underlying factors that contribute to a company's profitability. Quality earnings are often associated with cash flow. They reflect the actual cash generated or used by a business, rather than just accounting entries based on accruals. Here are some key aspects to consider when discussing the concept of quality of earnings: Sustainability and persistence: High-quality earnings are sustainable and likely to continue in the foreseeable future. Consistency: Quality earnings should exhibit consistency over time. Non-recurring items: Quality earnings exclude one-time gains or losses, which can distort the true operational performance of a company. Revenue recognition policies: Conservative and consistent revenue recognition policies tend to result in higher-quality earnings. Expense recognition: Delaying expenses or using aggressive accounting methods can temporarily inflate reported earnings. Quality of assets: The composition and quality of a company's assets can affect its earnings. Management's credibility and integrity: A reputable management team is key to reliable financial statements. Regulatory compliance: Companies that comply with accounting standards and regulatory requirements are more likely to have higher quality earnings. Example of quality of earnings Company XYZ reports £1 million in net income for the year. Upon closer examination, analysts discover that a significant portion of this income comes from one-time gains, such as the sale of...
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### Pricing strategy
- Published: 2023-10-23
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/pricing-strategy/
Definition Pricing strategy is a fundamental component of a business's overall marketing and financial strategy. What is a pricing strategy? A pricing strategy involves the method and approach a company uses to set the prices of its products or services. A well-considered pricing strategy is essential for achieving profitability, remaining competitive, and maximising the value offered to customers. One of the primary goals of a pricing strategy is to maximise profit margins, ensuring that the revenue generated exceeds the costs of production and operation. Some businesses go for lower initial prices to quickly gain market share and establish a foothold in a competitive industry. Setting prices that offer perceived value can help build customer loyalty and retention, leading to long-term profitability. Common pricing strategies: Cost-plus pricing: This involves setting prices by adding a markup to the cost of production, ensuring that costs are covered and a profit margin is achieved. Market-oriented pricing (value-based pricing): Prices are determined based on the perceived value of the product or service in the eyes of the customer. Competitive pricing: Prices are set based on what competitors are charging for similar products or services. Penetration pricing: Initially setting prices lower than competitors to gain market share rapidly. Skimming pricing: Setting high initial prices for unique or innovative products, then gradually lowering prices as competition increases. Dynamic pricing: Prices are adjusted in real-time based on market demand, competitor pricing, or other relevant factors. Bundle pricing: Offering products or services together at a combined price, often at...
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### Personal liability
- Published: 2023-10-23
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/personal-liability/
Definition Personal liability in business and finance refers to the legal responsibility of an individual, often the owner or operator of a business, for the debts, obligations, and liabilities of that business. What is personal liability? Personal liability means that the individual's personal assets, such as their home, savings, and other possessions, may be at risk if the business is unable to meet its financial obligations.   Choosing the right legal structure for the business is crucial for achieving personal liability protection. Also, following legal and regulatory requirements, maintaining accurate financial records, and adhering to corporate governance practices are essential for maintaining personal liability protection. Example of personal liability John, a small business owner, guarantees a loan for his business using his personal assets as collateral. If the business fails to repay the loan, John is personally liable, meaning his personal assets, such as his home or savings, could be seized to satisfy the debt.
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### Operational effectiveness
- Published: 2023-10-23
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/operational-effectiveness/
Definition Operational effectiveness refers to the degree to which an organisation can execute its core activities and processes efficiently and proficiently to achieve its strategic goals and objectives. What is operational effectiveness Operational effectiveness involves optimising the use of resources, minimising waste, and consistently delivering high-quality products or services. Operational effectiveness is a critical aspect of overall business performance and competitiveness. It measures the output generated from a given set of inputs. A highly operationally effective organisation maximises productivity by efficiently utilising its resources. Here’s a list of key components when talking about operational effectiveness: Processes and procedures: Effective organisations have well-defined and streamlined processes and procedures. Resource allocation: Proper allocation of human, financial, and material resources is crucial. Quality management: Maintaining high standards of quality in products or services is essential for operational effectiveness. Technology and automation: Technology and automation tools can reduce manual effort, minimise errors, and speed up processes. Operational effectiveness should be aligned with the overall strategic goals of the organisation. This ensures that day-to-day activities contribute directly to achieving the broader mission and vision. Being operationally effective can be a significant competitive advantage. It allows an organisation to offer high-quality products or services at competitive prices. Furthermore, delivering products or services in a timely and reliable manner enhances customer satisfaction and builds trust. Example of operational effectiveness Company ABC, a manufacturing firm, focuses on improving its operational effectiveness by streamlining its production processes. Through the implementation of lean manufacturing principles and the adoption of advanced...
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### Obligations
- Published: 2023-10-23
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/obligations/
Definition Obligations in a business context refer to the legal, financial, and ethical responsibilities that a company or organisation has towards various stakeholders. What are obligations? These obligations encompass a range of duties and commitments that a business is required to fulfil in order to operate ethically and in compliance with laws and regulations. Types of business obligations: Legal obligations: These are requirements imposed by local, state, federal, and international laws and regulations that businesses must adhere to. Contractual obligations: Businesses enter into contracts with various parties. These contracts outline specific duties and commitments that each party must fulfil. Ethical and moral obligations: These pertain to the business's responsibility to conduct operations with integrity, honesty, and fairness. Financial obligations: Businesses have financial responsibilities towards their stakeholders as well as fulfilling tax obligations.   Employee obligations: Employers must ensure a safe workplace, fair compensation, benefits, and professional growth opportunities. They are also legally bound by employment contracts, labour laws, and workplace safety regulations. Customer obligations: Businesses are obliged to provide products or services that meet specified quality standards and to address customer concerns or complaints promptly and fairly.   Environmental and social obligations: This includes practices related to sustainable sourcing, waste reduction, and community development. Fulfilling obligations helps build trust with stakeholders. It enhances the company's reputation and credibility in the market. Furthermore, meeting financial obligations, such as paying debts and taxes, is essential for the financial health and long-term sustainability of the business. Ethical and socially responsible practices can serve...
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### Overdraft
- Published: 2023-10-23
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/overdraft/
Definition An overdraft is a financial arrangement provided by a bank or financial institution that allows an account holder to withdraw or spend more money than is currently available in their account, up to a specified limit. What is overdraft? Overdraft essentially provides short-term credit to cover temporary shortfalls in funds. Overdrafts can be a useful financial tool, but they come with associated fees and interest charges. When an account is set up, the bank may offer an overdraft facility with a predetermined limit. If the account holder withdraws or spends more money than is available in their account, the overdraft comes into effect. The account balance goes below zero, but the overdraft covers the shortfall, up to the agreed-upon limit. The bank typically charges interest on the overdrawn amount, often at a higher rate than for other loans or credit products. The overdraft is expected to be repaid within a specified period, which may vary depending on the bank's policies.   An advantage of overdraft is that it provides quick access to additional funds, which can be crucial in emergencies or for covering unexpected expenses. Furthermore, An overdraft can prevent checks from bouncing, which could result in additional fees or damage to the account holder's credit score. When considering overdraft it’s important to consider the risk associated with it. Overdrafts can be expensive due to high interest rates and associated fees. Furthermore, the account holder is responsible for repaying the overdraft according to the terms agreed upon with the...
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### Operating margin
- Published: 2023-10-23
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/business-glossary/operating-margin/
Defintion Operating margin is a financial metric that measures the profitability of a company's core operations. What is operating margin? Operating margin represents the percentage of revenue that remains after deducting the direct costs. In essence, it shows how much profit a company generates from its primary business activities. Operating margin is calculated using the following formula: Operating margin = (operating income / revenue) x 100 A higher operating margin indicates that a company is better at managing its costs and generating profit from its core operations. Conversely, a lower margin may indicate inefficiencies or a highly competitive industry. Check out our handy operating margin calculator to make the calculation easier. It is a key metric for comparing the financial performance of different companies within the same industry, as it provides insights into how efficiently companies manage their costs. Investors often analyse operating margin to assess a company's ability to generate profit from its core operations. A consistent and healthy operating margin can be a positive sign for potential investors. Limitations of the operating margin The operating margin has several limitations. It does not account for non-operating income and expenses, such as interest and taxes, which can significantly impact overall profitability. Additionally, the operating margin may vary widely across different industries, making cross-industry comparisons less meaningful. It also does not consider the effects of capital structure, as it excludes interest expenses, therefore not reflecting financial leverage. Furthermore, changes in accounting policies or practices can affect the operating margin, potentially reducing...
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## Podcasts & Videos
### Marketing 101: Tips and tricks and how to grow your business
- Published: 2025-02-13
- Modified: 2025-02-13
- URL: https://swoopfunding.com/uk/podcasts-videos/marketing-101-tips-and-tricks-and-how-to-grow-your-business/
Ready to take your business to the next level? Watch this engaging webinar where Tabitha, our Advisor Marketing Manager, and Ed, our Global SEO and Content Manager, share their expertise on how to effectively market your business. In this session, you’ll discover: Social Media Marketing Email Marketing SEO and Blogs
---
### Insider secrets to buying and selling a business
> Join Ciaran Burke (COO & Co-Founder, Swoop) and Blake Hutchison (CEO, Flippa) as they reveal expert strategies for buying and selling businesses.
- Published: 2025-01-29
- Modified: 2025-01-29
- URL: https://swoopfunding.com/uk/podcasts-videos/insider-secrets-to-buying-and-selling-a-business/
Your questions answered Are there Shariah-compliant financing options available? Yes, we are able to support with Shariah-compliant financing options in the United Kingdom. Get started with Swoop to explore your funding options. How can I perform due diligence on a business less than a year old where tax returns are unavailable? Performing financial due diligence on a newer business can be challenging due to the lack of a track record. In such cases, the purchase price should reflect the limited operational history and profitability. Focus on verifying other critical aspects, such as revenue consistency, growth potential, and market position. Is it riskier to acquire a business that’s been operating for a short time? Yes, acquiring a business with a limited history carries higher risk due to its unproven market durability and financial track record. However, you can mitigate this risk by: Evaluating the buyer’s experience in the industry and ability to add value. Reviewing the business’s growth trajectory and market potential. Assessing revenue stability (e. g. , subscription-based income). Examining early signs of profitability and operational scalability. What level of leverage or down payment is typically required for financing through Swoop? Swoop is a marketplace that connects you to a range of funding options rather than a direct lender. Down payments vary depending on the lender and the asset. For business acquisitions, down payments typically start at 10%, but some lenders may offer financing for up to 100% of the asset cost with the right structure or asset type. Get...
---
### What You Need to Know About Workplace Pensions After the Budget
- Published: 2024-11-14
- Modified: 2025-01-24
- URL: https://swoopfunding.com/uk/podcasts-videos/what-you-need-to-know-about-workplace-pensions-after-the-budget/
Watch this webinar to explore the latest budget changes affecting Workplace Pensions. We are discussing updates to auto-enrolment, employer contributions, and tax relief, and exploring how Husky can help UK companies stay compliant and save money through Salary Exchange, followed by a Q&A session
---
### Getting Your Clients Ready for Black Friday and Christmas
- Published: 2024-10-03
- Modified: 2024-10-03
- URL: https://swoopfunding.com/uk/podcasts-videos/getting-your-clients-ready-for-black-friday-and-christmas/
Watch the webinar to help your clients prepare for Black Friday and Christmas, and learn about: Business loans Revenue based finance Supplier finance Merchant cash advance
---
### Swoop for Advisors: Setting you up for success
- Published: 2024-09-26
- Modified: 2024-09-26
- URL: https://swoopfunding.com/uk/podcasts-videos/swoop-for-advisors-setting-you-up-for-success-2/
This webinar covers: See the scope of Swoop's offering, from grants, savings and equity to debt Understand how we can combine all aspects of funding to best support you and your clients Get the knowledge you need: how our experts work for you Discover how our customer success team ensure a seamless and successful adoption of Swoop Learn how our educational support goes beyond onboarding, offering ongoing training and education to keep advisors up to speed with the funding landscape Gain insight on how Swoop will enhance your advisory services
---
### Swoop Funding: Equity masterclass
- Published: 2024-08-21
- Modified: 2024-08-21
- URL: https://swoopfunding.com/uk/podcasts-videos/equity-masterclass/
- Section: Swoop for Advisors, Videos, Webinars
This masterclass covers: Investor Outreach S/EIS Advance Assurance Pitch Deck / Pitch Deck Review
---
### Swoop Funding: Commercial property masterclass
- Published: 2024-08-07
- Modified: 2024-08-07
- URL: https://swoopfunding.com/uk/podcasts-videos/commercial-property-masterclass/
- Section: Swoop for Advisors, Videos, Webinars
Explore how to effectively assist your clients in securing business premises, investing in commercial properties, and expanding residential portfolios with our comprehensive range of funding products. This webinar covers: Owner Occupied Commercial Mortgage Commercial Investment Mortgage Bridging Loans Development Finance Residential portfolio loans / Portfolio Buy-to-Let
---
### Swoop Funding: Grants masterclass
- Published: 2024-07-31
- Modified: 2024-07-31
- URL: https://swoopfunding.com/uk/podcasts-videos/grants-masterclass/
- Section: Videos, Webinars
The webinar covers: Key insights into how you can navigate the grant landscape Examples of successful grant winners and what this can be used for A Q&A session with business experts
---
### From books to bots: The journey of ReThink | Take the Plunge Podcast
- Published: 2024-07-29
- Modified: 2024-07-29
- URL: https://swoopfunding.com/uk/podcasts-videos/from-books-to-bots/
This week Ciaran and his guest of this episode, female founder Lucy McCarraher discuss her journey in the publishing world. Lucy is the co-founder and CEO of the Book Magic AI book-writing app, co-founder of Rethink Press, and founder of the Business Book Awards. She is a Director of Dent Global and the Publish Mentor for the Key Person of Influence programme.
---
### Swoop for Advisors: Asset finance masterclass
- Published: 2024-07-24
- Modified: 2024-07-25
- URL: https://swoopfunding.com/uk/podcasts-videos/asset-finance-masterclass/
- Section: Swoop for Advisors, Videos, Webinars
Discover our asset finance solutions, ideal for business expansion, working capital, and equipment acquisition. Whether acquiring new assets or releasing equity from existing ones. We cover: Asset refinance Hire purchase Sale & HP / lease back Finance lease
---
### Swoop for Advisors: Unsecured masterclass
- Published: 2024-07-17
- Modified: 2024-07-17
- URL: https://swoopfunding.com/uk/podcasts-videos/unsecured-masterclass/
- Section: Swoop for Advisors, Videos, Webinars
Discover our range of unsecured funding products, perfect for business expansion, working capital, recruitment, and more. The webinar covers: Business loans Tax funding Merchant cash advance Supplier finance
---
### Swoop for Brokers: Go Further with Funding
- Published: 2024-07-16
- Modified: 2024-07-16
- URL: https://swoopfunding.com/uk/podcasts-videos/swoop-for-brokers-go-further-with-funding/
- Section: Videos, Webinars
The webinar covers: How does Swoop for Brokers add to your offering? A deeper understanding of the unsecured market Advantages of Unsecured Funding A Q&A session
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### All things R&D
> Join our COO and Co-founder, Ciaran Burke, and R&D Case Manager, Sahil Shethia, for a chat about Research and Development (R&D).
- Published: 2024-07-02
- Modified: 2024-07-02
- URL: https://swoopfunding.com/uk/podcasts-videos/all-things-rd/
- Section: Videos
Join our COO and Co-founder, Ciaran Burke, and R&D Case Manager, Sahil Shethia, for a chat about Research and Development (R&D). They’ll break down what R&D is all about and how it works. You’ll also learn how to find out if you’re eligible, the steps to apply, and how you can take advantage of R&D tax credits. Whether you’re new to R&D or just looking to get more out of it, this conversation is packed with useful tips and insights. Get started with Swoop today or read more about R&D in our comprehensive guide.
---
### Swoop for Advisors: Go Further with Funding
- Published: 2024-05-23
- Modified: 2024-05-23
- URL: https://swoopfunding.com/uk/podcasts-videos/go-further-with-funding/
- Section: Swoop for Advisors, Videos, Webinars
The webinar covers: How Swoop for Advisors adds to your offering? How to spot opportunities across debt, equity, grants and savings
---
### DAS 2024: Sam Newton interview
- Published: 2024-05-02
- Modified: 2024-05-02
- URL: https://swoopfunding.com/uk/podcasts-videos/sam-newton-interview/
- Section: Swoop for Advisors, Videos
---
### DAS 2024: Georgi Rollings interview
- Published: 2024-05-02
- Modified: 2024-05-02
- URL: https://swoopfunding.com/uk/podcasts-videos/georgi-rollings-interview/
- Section: Swoop for Advisors, Videos
---
### DAS 2024: Stuart Grosvenor interview
- Published: 2024-05-02
- Modified: 2024-05-02
- URL: https://swoopfunding.com/uk/podcasts-videos/stuart-grosvenor-interview/
- Section: Swoop for Advisors, Videos
---
### DAS 2024: Andy Sullivan interview
- Published: 2024-05-02
- Modified: 2024-05-02
- URL: https://swoopfunding.com/uk/podcasts-videos/andy-sullivan-interview/
- Section: Swoop for Advisors, Videos
---
### Swoop for Advisors: Explainer
- Published: 2024-05-02
- Modified: 2024-05-02
- URL: https://swoopfunding.com/uk/podcasts-videos/swoop-for-advisors-explainer/
- Section: Swoop for Advisors, Videos
---
### ICAEW Webinar: Funding for your clients / practice
- Published: 2024-04-25
- Modified: 2024-05-02
- URL: https://swoopfunding.com/uk/podcasts-videos/icaew-webinar-funding-for-your-clients/
- Section: Swoop for Advisors, Videos, Webinars
---
### Client Funding: The Final Piece in your Advisory Offering
- Published: 2024-04-25
- Modified: 2024-04-25
- URL: https://swoopfunding.com/uk/podcasts-videos/the-final-piece-in-your-advisory-offering/
- Section: Swoop for Advisors, Videos, Webinars
In this webinar, you'll discover: Why you should integrate funding into your existing advisory services How Swoop for Advisors works for your clients How Swoop benefits your firm
---
### Swoop for Bookkeepers: Wowing your clients with funding & Savings advisory
- Published: 2024-04-24
- Modified: 2024-04-24
- URL: https://swoopfunding.com/uk/podcasts-videos/wowing-your-clients-with-funding-and-savings-advisory/
- Section: Swoop for Advisors, Videos, Webinars
---
### Swoop for Advisors: Getting the most out of Swoop
- Published: 2024-03-12
- Modified: 2024-03-12
- URL: https://swoopfunding.com/uk/podcasts-videos/sfa-getting-the-most-out-of-swoop/
- Section: Swoop for Advisors, Videos, Webinars
In this webinar, Marcus Batson shows you the Why, the What and the How when it comes to delivering funding as a service to your clients.
---
### Swoop for Advisors: Navigating the grants landscape with Swoop
- Published: 2024-02-22
- Modified: 2024-02-22
- URL: https://swoopfunding.com/uk/podcasts-videos/swoop-for-advisors-navigating-the-grants-landscape-with-swoop/
- Section: Swoop for Advisors, Videos, Webinars
Grants can become a valuable resource and key differentiator for you as an advisor. The webinar covers: Key insights into how you can navigate the grant landscape Examples of successful grant winners and what this can be used for A Q&A session with business experts
---
### Swoop for Advisors: Using your Assets
- Published: 2024-02-15
- Modified: 2024-02-15
- URL: https://swoopfunding.com/uk/podcasts-videos/swoop-for-advisors-using-your-assets/
- Section: Swoop for Advisors, Videos, Webinars
What you'll be finding out about in this webinar: Different types of asset finance and how it can be used for business growth How to access competitive lending rates by using your existing assets How you can share this with your clients
---
### Swoop for Advisors: Setting you up for success
- Published: 2024-02-06
- Modified: 2024-02-15
- URL: https://swoopfunding.com/uk/podcasts-videos/swoop-for-advisors-setting-you-up-for-success/
- Section: Swoop for Advisors, Videos, Webinars
Watch the webinar to: See the scope of Swoop's offering, from grants, savings and equity to debt Understand how we can combine all aspects of funding to best support you and your clients Get the knowledge you need: how our experts work for you Discover how our customer success team ensure a seamless and successful adoption of Swoop Learn how our educational support goes beyond onboarding, offering ongoing training and education to keep advisors up to speed with the funding landscape Gain insight on how Swoop will enhance your advisory services
---
### Swoop for Advisors: R&D changes and what it means to your clients
- Published: 2024-01-23
- Modified: 2024-01-23
- URL: https://swoopfunding.com/uk/podcasts-videos/swoop-for-advisors-rd-changes-and-what-it-means-to-your-clients/
- Section: Swoop for Advisors, Videos, Webinars
R&D tax credits provide significant financial benefits to innovative companies, yet many accountants miss this opportunity to add value for their clients. This webinar will show you how to capitalize on R&D tax incentives as a new profit center. By introducing clients to our R&D tax specialists, you can:1. Generate recurring commission through claims filed annually2. Offload the R&D filing burden while staying updated at each step3. Expedite the process with our 6-7 day turnaround time from calculations to submissions4. Provide your clients with complimentary eligibility assessments and masterclasses Additionally, you will learn:- The advantages of R&D tax credits for innovative companies- How to identify clients who may qualify for these incentives- Best practices for approaching clients about this offering Uncover this low-effort, high-reward service that saves clients money while providing your firm with a new stream of recurring revenue.
---
### Swoop for Advisors: HMRC Funding
- Published: 2024-01-17
- Modified: 2024-01-17
- URL: https://swoopfunding.com/uk/podcasts-videos/swoop-for-advisors-hmrc-funding/
- Section: Swoop for Advisors, Videos, Webinars
The webinar addresses how Swoop can assist clients facing the following challenges: Are your clients struggling to meet their HMRC liabilities on time? Are HMRC not able to provide a TTP arrangement? Does your client want to grow and not have the cashflow to do so?
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### December pitch event
> Six different companies will pitch for investment. Join us for an insightful session and exciting investment opportunities!
- Published: 2023-12-07
- Modified: 2023-12-07
- URL: https://swoopfunding.com/uk/podcasts-videos/december-pitch-event/
Watch the December pitch event hosted by Tom Butterworth from Swoop. He is joined by Henry Whorwood - Managing Director at Beauhurst who will share market insights and the 2024 outlook. Six different companies from sectors like SaaS, Medtech, Consumer, Deeptech, Edtech, etc. , are pitching for investment. Watch an insightful session and exciting investment opportunities!
---
### Swoop for Advisors: Platform Demo and Funding Landscape
- Published: 2023-12-01
- Modified: 2024-01-17
- URL: https://swoopfunding.com/uk/podcasts-videos/swoop-for-advisors-platform-demo-and-funding-landscape/
- Section: Swoop for Advisors, Videos, Webinars
Watch here for useful insights on: Swoop for Advisors Up to date guidance on the ever-changing funding landscape Current changes in the funding market Tips and tricks across all funding options
---
### Unpacking the 2023 Autumn Statement for business owners
> Join Swoop’s founders, Andrea Reynolds and Ciaran Burke in this webinar as they delve into this season’s budget and unpack the importance to your business.
- Published: 2023-11-27
- Modified: 2023-11-27
- URL: https://swoopfunding.com/uk/podcasts-videos/unpacking-the-2023-autumn-statement/
- Section: Webinars
Join Swoop’s founders, Andrea Reynolds and Ciaran Burke in this webinar as they delve into this season’s budget and unpack the importance to your business.
---
### Swoop for Advisors: Cash Flow Confidence - The latest options for you and your clients
- Published: 2023-11-07
- Modified: 2024-06-25
- URL: https://swoopfunding.com/uk/podcasts-videos/swoop-for-advisors-cash-flow-confidence-the-latest-options-for-you-and-your-clients/
- Section: Podcasts, Swoop for Advisors, Videos
The webinar will cover: Supporting working capital from a funding perspective Quick to market access for a variety of solutions Improved cash flow position, further growth opportunities
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### Funding & Friends: Mastering cashflow for small business success: overcoming pay run bottlenecks and late payments
- Published: 2023-07-20
- Modified: 2023-09-01
- URL: https://swoopfunding.com/uk/podcasts-videos/funding-friends-mastering-cashflow-for-small-business-success-overcoming-pay-run-bottlenecks-and-late-payments/
- Section: Swoop for Advisors, Webinars
In our new webinar series "Funding & Friends" we will meet with different industry apps to understand what problems they solve and how they are used in practice. In this webinar, we are discussing the impact of pay run bottlenecks, visibility issues in payables, and delayed cash access. Watch Sam Horner, Head of Advisor Sales and Partnerships at Swoop, and Simon Lofts, Head of Revenue at Nook, as they discuss how these challenges affect accountants, and how to overcome them. Special guest speaker Matthew Perkins, Head of Sales & Growth at Sleek, is also sharing insights on how he uses both accounting apps to help Sleek.
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### Make cash flow work for you: Swoop's experts share essential tools that will immediately make your business stronger
- Published: 2023-07-19
- Modified: 2024-01-02
- URL: https://swoopfunding.com/uk/podcasts-videos/make-cash-flow-work-for-you-swoops-experts-share-essential-tools-that-will-immediately-make-your-business-stronger/
- Section: Webinars
In any business, Cash is King. But with the pressures of rising interest, inflation and Brexit, keeping your business solvent is harder than ever - and cash flow issues remain the number one reason for businesses approaching Swoop in the first place. At Swoop, we’re committed to giving you the information you need to make the best decisions for your business. In this webinar you will explore how to give yourself more certainty around cash flow, take your business out of survival mode and start working towards growth. You will find out: - Tools and tips to smooth your cash flow - New products such as VAT advances and invoice finance that can help you manage your finances - An overview of the wider economy and how this will affect your business Forecast your cash flow
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### Advisor insights: Quarterly market update
- Published: 2023-06-27
- Modified: 2023-06-27
- URL: https://swoopfunding.com/uk/podcasts-videos/advisor-insights-quarterly-market-update/
- Section: Swoop for Advisors, Webinars
Sam Tasker-Grindley, Head of Swoop for Advisors, discusses market updates, tips and interesting market insights with Kerry Dwyer, Equity & Grants Account Manager, Stuart Pawelczyk, Head of Commercial Mortgages, and Rhys Cunnah, Head of Unsecured & Asset Finance in our Advisor Insights, Quarterly Market Update. Watch here for useful insights on: - Giving up to guidance on the ever-changing funding landscape - Current changes in the funding market - Tips and tricks across all funding options.
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### What is Open Banking?
- Published: 2023-05-31
- Modified: 2023-05-31
- URL: https://swoopfunding.com/uk/podcasts-videos/what-is-open-banking-2/
- Section: Videos
Swoop Funding's Head of Content answers all you need to know on the basics of Open Banking and why we use it.
---
### Pamela Laird - MoxiLoves | Take The Plunge Podcast. S5 Ep.1
- Published: 2023-05-19
- Modified: 2023-12-20
- URL: https://swoopfunding.com/uk/podcasts-videos/pamela-laird-moxiloves-take-the-plunge-podcast-s5-ep-1/
- Section: Podcasts
In this episode, Ciaran meets Pamela Laird a renowned entrepreneur and the creative force behind MoxiLoves, a thriving beauty and lifestyle brand that has taken the industry by storm. With her keen business acumen and unwavering determination, Pamela has built an empire from the ground up, providing invaluable guidance to aspiring business owners and anyone seeking inspiration to pursue their dreams of owning a business. Also available on Spotify here. Find out more here: www. moxiloves. com Looking for business funding? Join 70,000 businesses at Swoop for free here.
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### Swoop x Fulcrum Webinar: Navigating new regulations and seeking funding in the Care Sector
> Swoop & Fulcrum Care have partnered up to bring you this webinar to walk you through new regulations and seeking funding in the Care Sector.
- Published: 2023-03-30
- Modified: 2023-03-30
- URL: https://swoopfunding.com/uk/podcasts-videos/navigating-new-regulations-and-seeking-funding-in-the-care-sector/
Swoop & Fulcrum Care have partnered up to bring you this webinar to walk you through new regulations and seeking funding in the Care Sector.
---
### Kirk and Kirk: Inspiring and exciting eye wear
- Published: 2023-02-14
- Modified: 2023-02-14
- URL: https://swoopfunding.com/uk/podcasts-videos/kirk-and-kirk-inspiring-and-exciting-eye-wear/
- Section: Videos
Kirk and Kirk is a Brighton based, family run eyewear business pioneered by Jason and Karen Kirk. A business that has been in the family for 100 years and remains a true passion project. Kirk and Kirk is identified through their distinct and innovative eyewear, featuring bright colours and exciting frames. They have built a community of people who are inspired by expressing themselves through their glasses. Find out more about their story at kirkandkirk. com Made by mr-hawkins. com
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### Webinar: Changes in 2023 - Prepare for the end of the fiscal year
- Published: 2023-01-26
- Modified: 2023-12-20
- URL: https://swoopfunding.com/uk/podcasts-videos/webinar-changes-in-2023-prepare-for-the-end-of-the-fiscal-year/
- Section: Webinars
This webinar will lead you through all of the updates you need to know as a business owner ahead of the financial year end. Hosted by business experts Andrea Reynolds, CEO & Co-founder, Swoop Funding and Ciaran Burke, COO & Co-founder, Swoop Funding. In this webinar we will cover the following topics:- Changes in R&D tax credits- SEIS and EIS Tax Relief- Energy cost support for businesses- Corporation tax- Super deduction allowance- Annual investment allowance
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### Julia Vendramin - LABELL-D | Take The Plunge Podcast. S4 Ep.3
- Published: 2022-11-24
- Modified: 2023-05-24
- URL: https://swoopfunding.com/uk/podcasts-videos/julia-vendramin-labell-d-take-the-plunge-podcast-s4-ep-3/
- Section: Podcasts
We are thrilled to release our podcast with the co-founder of LABELL-D - Julia Vendramin. Julia discusses her long spanning career in fashion and her learnings from starting her own sustainable fashion business. This episode is packed with insights on starting and scaling your own business as well as defining your brand identity. We loved recording this episode and we hope you enjoy listening! Also available on Spotify here. Find out more here: www. labell-d. com Looking for business funding? Join 70,000 businesses at Swoop for free here.
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### Webinar: Autumn Statement: what you need to know
- Published: 2022-11-18
- Modified: 2022-11-21
- URL: https://swoopfunding.com/uk/podcasts-videos/webinar-autumn-statement-what-you-need-to-know/
- Section: Webinars
Following the Autumn Statement, Swoop hosted a webinar packed with insights from Andrea Reynolds and Ciaran Burke, Founders at Swoop. Register with Swoop to discover the opportunities available to your business.
---
### Everything you need to know about Corporation Tax
- Published: 2022-11-16
- Modified: 2022-11-21
- URL: https://swoopfunding.com/uk/podcasts-videos/everything-you-need-to-know-about-corporation-tax/
- Section: Videos
Changes are due to be made in corporation tax next year. This video explains what corporation tax is and how the numbers will add up. Video transcription Hi there. My name is Ian Hawkins. I'm the Head of Content here at Swoop. Oh, not quite. Okay. Let's talk about Corporation tax. What is it? What's it going to cost? And is there a smarter way to pay it? So, first of all, what is it? Corporation Tax is is what a business pays on its profits for the whole year. So, if Acme Industries takes in a million pounds in one year and it spends half a million pounds on wages, rent, raw materials, marketing, all that sort of thing, they'll pay Corporation Tax on the other half million pounds. How much money is that? Well, under the current rules, Corporation Tax is 19%. So here's a quick health warning. It is November 2022 and these rules are going to change. From April 2023, Corporation Tax is set to go up to 25% on profits of £250,000 and over. Small companies with profits up to £50,000 will continue to pay Corporation Tax at 19%. And profits between £50,000 and £250,000 There's going to be a tapered rate between those two figures. What's happening with Acme Industry's half million pound profit? Well, the Corporation Tax for this year will be £95,000. Corporation Tax on the same amount of profit for next year will be £125,000. That's an increase of 30 grand....
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### Funding your studio - Swoop | F45
- Published: 2022-10-26
- Modified: 2022-10-26
- URL: https://swoopfunding.com/uk/podcasts-videos/funding-your-studio-swoop-f45/
- Section: Videos
Watch how Swoop helped F45 maple become one of the top performing studios in Ontario using cash management products.
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### What does the Budget update mean for businesses? | Andrea Reynolds & Ciaran Burke
- Published: 2022-10-19
- Modified: 2022-10-19
- URL: https://swoopfunding.com/uk/podcasts-videos/what-does-the-budget-update-mean-for-businesses-andrea-reynolds-ciaran-burke/
- Section: Videos
Swoop co-founders Andrea Reynolds & Ciaran Burke respond to the latest Budget announced by Jeremy Hunt on Monday October 17th. Answering the key question: what does this mean for businesses?
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### Webinar: Advisor Insights - Quarterly Market Update
- Published: 2022-10-18
- Modified: 2022-10-18
- URL: https://swoopfunding.com/uk/podcasts-videos/webinar-advisor-insights-quarterly-market-update/
- Section: Swoop for Advisors, Webinars
Ian Hawkins, Head of Content, will discuss market updates, tips and interesting market insights with Kerry Dwyer, Equity & Grants Account Manager, Stuart Pawelczyk, Head of Commercial Mortgages, and Rhys Cunnah, Head of Unsecured & Asset Finance in our Advisor Insights, Quarterly Market Update. Watch here for useful insights on: Giving up to guidance on the ever-changing funding landscapeCurrent changes in the funding marketTips and tricks across all funding options
---
### Webinar: Advisor Insights - Secured lending
- Published: 2022-09-30
- Modified: 2024-04-10
- URL: https://swoopfunding.com/uk/podcasts-videos/webinar-advisor-insights-secured-lending/
- Section: Swoop for Advisors, Webinars
In this Webinar Sam Tasker-Grindley discussed the funding landscape in the commercial mortgage and asset finance market in the UK with Stuart Pawelczyk, Head of Commercial Mortgages, and Tom Floodgate, Asset Finance Specialist, while also providing market insights and tips to spot opportunities. In this webinar Stuart and Tom discusses: The current market How to spot opportunities within your client base There will be a chance to put your questions to the experts
---
### Webinar: How to fast-track your R&D claim | SeedLegals
- Published: 2022-09-30
- Modified: 2022-09-30
- URL: https://swoopfunding.com/uk/podcasts-videos/webinar-how-to-fast-track-your-rd-claim-seedlegals/
Swoop and SeedLegals have teamed up to bring you this webinar on how to ensure your R&D claim is successful to get your money back faster. With the new guidance issued by HMRC on R&D tax credits, businesses face a longer wait time to receive the money from a successful claim. Swoop has helped businesses get earlier access to that money by securing an advance on the funding. SeedLegals can further support your claim with our Xero integration, making the process a whole lot simpler and quicker. A successful R&D claim can assure an advance in as little as 24 hours, meaning you can access your funds as soon as the claim is approved - letting you get on with running your business.
---
### Webinar: Budget Statement | Swoop Analysis
- Published: 2022-09-27
- Modified: 2022-09-27
- URL: https://swoopfunding.com/uk/podcasts-videos/webinar-budget-statement-swoop-analysis/
Swoop responds to the mini-budget with tips on how to grow your business.
---
### Webinar: Funding Advisory
- Published: 2022-09-08
- Modified: 2022-09-08
- URL: https://swoopfunding.com/uk/podcasts-videos/webinar-funding-advisory/
- Section: Webinars
In this webinar Joe Mawby, Business Development Manager at Swoop, explains how Swoop can take your funding advisory service to the next level. He will run through how the Swoop platform can keep you on top of the ever-changing funding landscape. Joe will be joined by Tom Hawley, Funding Manager at Swoop and Georgi Rollings from Starfish Accounting, a current Advisor. Together, they will talk you through Swoop’s core offer - and how it can make you meet the increasing demands of your clients. You will learn: How the right funding opportunities can make a big difference to business ownersHow to save hours of time researching products and opportunitiesPractical tips on growing your own business
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### Inverse Funding - Jamie Harford | Take The Plunge Podcast
- Published: 2022-08-09
- Modified: 2022-08-09
- URL: https://swoopfunding.com/uk/podcasts-videos/inverse-funding-jamie-harford-take-the-plunge-podcast/
- Section: Podcasts
In this week's episode of 'Take the plunge' Swoop Founder Ciaran Burke is speaking to Inverse Funding Founder Jamie Harford. Find out how Jamie went from running a healthy fast food business in 2012 to being responsible for 20% of funding raises in Europe (2020). Find funding for your business now for free with Swoop, register with us here.
---
### Webinar: Life after RLS
> In this webinar we will discuss Cash flow solutions, startup loans and grants among other things
- Published: 2022-07-06
- Modified: 2022-07-07
- URL: https://swoopfunding.com/uk/podcasts-videos/webinar-life-after-rls/
Thousands of businesses took advantage of government schemes to borrow money more easily through the COVID-19 pandemic. As the last of these is officially over, businesses still have unmet funding needs, so what options are still out there? This webinar with Swoop's CEO, Andrea Reynolds, and Swoop's Head of Unsecured and Asset Finance, Rhys Cunnah, discusses SMEs options. The webinar discusses: Cash flow solutionsStartup loans and grants for businesses that have been trading for 2 years. What will affect your credit score? Lessons from the last recession, what has changed?
---
### Andrew Van De Beek | Take The Plunge Podcast
- Published: 2022-06-22
- Modified: 2022-06-22
- URL: https://swoopfunding.com/uk/podcasts-videos/andrew-van-de-beek-take-the-plunge-podcast/
- Section: Podcasts
Finding your purpose, accounting and whiskey with Andrew Van De Beek. In this week's episode of 'Take the plunge' Swoop Founder Ciaran Burke is speaking to illumin8 Founder Andrew Van De Beek. Andrew depicts the highs and lows of his journey as an Accountant and a Founder. Watch to find out more! Find funding for your business now for free, register with us here.
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### Q&A: Looking after your mental health and your finances
- Published: 2022-06-09
- Modified: 2022-06-09
- URL: https://swoopfunding.com/uk/podcasts-videos/qa-looking-after-your-mental-health-and-your-finances/
- Section: Webinars
Watch a recording of our webinar with Eugene Farrell, Mental Health Lead at AXA Health, to explore the correlation between finance and mind health. We will discuss the importance of looking after both your finances and your mental health, with practical tips and advice for you to follow.
---
### Swoop for Advisors new portal demo
- Published: 2022-04-28
- Modified: 2022-10-06
- URL: https://swoopfunding.com/uk/podcasts-videos/swoop-for-advisors-new-portal-demo/
- Section: Swoop for Advisors, Webinars
If you’ve wondered what the new Swoop portal can do for you and your business, here’s your opportunity to find out.   Join Sam Horner and Sam Tasker-Grindley as they walk you through everything you need to know to take your Funding Advisory service to the next level.   They will show you how simple it is to onboard new clients and search for funding opportunities that can make all the difference to the business owner and their business.   The session ends with a Q&A where advisors got the chance to get all their questions answered. Head over to Swoop for Advisors to register your interest.
---
### Swoop Pitch Series: April 2022
- Published: 2022-04-21
- Modified: 2022-04-21
- URL: https://swoopfunding.com/uk/podcasts-videos/swoop-pitch-series-april-2022/
- Section: Webinars
Hosted by Swoop Equity Manager Bobby Gleeson, founders from exciting businesses had five minutes to pitch and impress viewers with their business idea, with investors given the opportunity to book a follow-up meeting with the founders themselves. The pitch event is a unique opportunity to connect with some of the most innovative and high potential entrepreneurs in the UK. You can view the recording above and make sure to join us for our next Swoop pitch event!
---
### North Point Distillery - Alex MacDonald | Take The Plunge Podcast
- Published: 2022-03-07
- Modified: 2022-03-07
- URL: https://swoopfunding.com/uk/podcasts-videos/north-point-distillery-alex-macdonald-take-the-plunge-podcast/
We are happy to introduce Alex MacDonald, Co-founder of North Point Distillery, for the sixth instalment of our “Take the Plunge” podcast season 3. North Point Distillery is located in the North Highlands of Scotland. They produce small but sustainable spirits that honour the heritage of Scottish distilleries and the history of the local area. Tune in to hear Ciaran and Alex discuss: How North Point Distillery came to beSEIS and raising equityAdjusting to the pandemicImportance of feedback from customersEffective marketing Play Podcast on Spotify or iTunes, or watch it on Youtube above. If you’re considering starting your own business, simply register or sign in to Swoop. You can discover all the funding opportunities across loans, equity and grants available to your business, or get in touch with our team of experts who can offer you support and guidance. Useful resourcesHow Swoop helps businesses jump hurdles to secure investmentFunding your franchise: a guide for franchiseesStart me up: how to find investment for your startupHow securing startup funding changes the mindset of a new business
---
### The Vurger Co - Neil Potts and Rachel Hugh | Take The Plunge Podcast
- Published: 2022-02-17
- Modified: 2022-02-17
- URL: https://swoopfunding.com/uk/podcasts-videos/the-vurger-co-neil-potts-and-rachel-hugh-take-the-plunge-podcast/
- Section: Podcasts
We’re delighted to introduce Neil Potts and Rachel Hugh, Co-founders of The Vurger Co, for the fifth instalment of our “Take the Plunge” podcast season 3. The Vurger Co is a 100% plant-based burger restaurant that is redefining the perception of what fast food really can be. Tune in to hear Ciaran, Neil, and Rachel discuss: Involving customers in the brandUtilising social media effectivelyRunning a business on a tight budgetHow to infuse culture into your workplace Play Podcast on Spotify or iTunes, or watch it on Youtube above. If you are looking for funding to help your own business get off the ground, simply register or sign in to Swoop. You can discover all the funding opportunities across loans, equity and grants available to your business, or get in touch with our team of experts who can offer you support and guidance. Useful resourcesHow Swoop helps businesses jump hurdles to secure investmentTraditional funding doesn’t like ecommerce. Good. This solution is betterTime to invest in your SMETime to leave: how to plan and execute your exit strategy
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### Un:hurd - Alex Brees | Take The Plunge Podcast
- Published: 2022-01-24
- Modified: 2022-01-24
- URL: https://swoopfunding.com/uk/podcasts-videos/unhurd-alex-brees-take-the-plunge-podcast/
- Section: Podcasts
We were delighted to be joined by Alex Brees, Founder and CEO of un:hurd, for the third instalment of our “Take the Plunge” podcast season 3. un:hurd is on a mission to create a level playing field for independent artists. They produce marketing campaigns utilizing data, collecting from all social and streaming platforms. From industry leading marketing reports to PR, playlisting and content creation, un:hurd helps local artists become global stars. Tune in to hear Ciaran and Alex discuss: Getting inspiration for your businessBenefits of SEIS fundingThe recruitment processUn:hurd's ambitions Play Podcast on Spotify or iTunes, or watch it on Youtube above. If you are looking to startup your own business, simply register or sign in to Swoop. You can discover all the funding opportunities across loans, equity and grants available to your business, or get in touch with our team of experts who can offer you support and guidance. Useful resourcesTime to leave: how to plan and execute your exit strategyTraditional funding doesn’t like ecommerce. Good. This solution is betterStart me up: how to find investment for your startupHow securing startup funding changes the mindset of a new business
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### CIRCLA - Claudia Gwinnutt | Take The Plunge Podcast
- Published: 2022-01-05
- Modified: 2022-01-05
- URL: https://swoopfunding.com/uk/podcasts-videos/circla-claudia-gwinnutt-take-the-plunge-podcast/
- Section: Podcasts
We were very excited to be joined by Claudia Gwinnutt, Founder and CEO of CIRCLA, for the second instalment of our “Take the Plunge” podcast season 3. CIRCLA are building a place where you can discover brands that are committed to quality and are conscious of their impact on the planet. A space where planet positivity is not something you have to double-check. Tune in to hear Ciaran and Claudia discuss: Feeling purpose in your workWorking in a field you're not interested inBeing a part of an accelerator programmeWhere CIRCLA is now Play Podcast on Spotify or iTunes, or watch it on Youtube above. If you’re considering starting your own business, simply register or sign in to Swoop. You can discover all the funding opportunities across loans, equity and grants available to your business, or get in touch with our team of experts who can offer you support and guidance. Useful resourcesTraditional funding doesn’t like ecommerce. Good. This solution is betterStart me up: how to find investment for your startupHow securing startup funding changes the mindset of a new businessTime to invest in your SME
---
### Bad Moon Talent - Andrew Drake | Take The Plunge Podcast
- Published: 2021-12-21
- Modified: 2021-12-21
- URL: https://swoopfunding.com/uk/podcasts-videos/bad-moon-talent-andrew-drake-take-the-plunge-podcast/
- Section: Podcasts
We were delighted to be joined by Andrew Jake, Co-founder and CEO of Bad Moon Talent, for the first instalment of our “Take the Plunge” podcast season 3. Bad Moon Talent is the vision of esport industry veterans Andrew Drake and Brice Faccento. It's management for the best and brightest players in esports, representing talent from various game titles including Call of Duty, Overwatch, Fortnite and many more. Tune in to hear Ciaran and Andrew discuss: Building relationshipsSpotting future starsGetting the best out of the pandemicIncreased interest in gamingWorking across different time zones Play Podcast on Spotify or iTunes, or watch it on Youtube above. If you’re looking for funding to help your business take off, simply register or sign in to Swoop. You can discover all the funding opportunities across loans, equity and grants available to your business, or get in touch with our team of experts who can offer you support and guidance. Useful resourcesFunding your franchise: a guide for franchiseesStart me up: how to find investment for your startupHow securing startup funding changes the mindset of a new businessTime to invest in your SME
---
### Unplugged - Hector Hughes | Take The Plunge Podcast
- Published: 2021-11-11
- Modified: 2021-11-11
- URL: https://swoopfunding.com/uk/podcasts-videos/unplugged-hector-hughes-take-the-plunge-podcast/
- Section: Podcasts
The fourteenth instalment of our "Take the Plunge" podcast season 2 is now live. We were delighted to be joined by Hector Hughes, Co-founder of Unplugged. Unplugged are on a mission to help busy city workers unplug from their devices so they can recharge. They provide beautiful cabins, just an hour from city life for you to truly switch off. Tune in to hear Ciaran and Hector discuss: Starting a business with little to no capitalAdvantages of asset financeUsing feedback effectively to improve your businessDrawbacks of holding back on marketingExpanding to other countries Play Podcast on Spotify or iTunes, or watch it on Youtube above. If you are considering starting up your own business, register or sign in to Swoop. You can discover all the funding opportunities across loans, equity and grants available to your business, or get in touch with our team of experts who can offer you support and guidance. Useful resourcesSecured vs. unsecured business loans – what’s best for my business? Start me up: how to find investment for your startupHow securing startup funding changes the mindset of a new businessTime to invest in your SME
---
### Debt Consolidation with Sam Lockwood
- Published: 2021-11-02
- Modified: 2021-11-02
- URL: https://swoopfunding.com/uk/podcasts-videos/debt-consolidation-with-sam-lockwood/
---
### Advisor Webinar - How 2022 will be different for SMEs
- Published: 2021-10-28
- Modified: 2022-10-06
- URL: https://swoopfunding.com/uk/podcasts-videos/advisor-webinar-how-2022-will-be-different-for-smes/
- Section: Swoop for Advisors, Webinars
---
### Be-Hookd - George James | Take The Plunge Podcast
- Published: 2021-10-28
- Modified: 2021-11-03
- URL: https://swoopfunding.com/uk/podcasts-videos/be-hookd-george-james-take-the-plunge-podcast/
- Section: Podcasts
We are thrilled to introduce George James, CEO of Be-Hookd, for the thirteenth instalment of our "Take the Plunge" podcast season 2. Be-Hookd are experts in managing the online presence of the world's leading entertainment talent and their relationships with audiences and brands. Tune in to hear Ciaran and George discuss: The freedom that comes with owning a businessHow crucial a good relationship with customers isEvolution of roles as companies growBe-Hookd's future plans Play Podcast on Spotify or iTunes, or watch it on Youtube above. If you are looking to startup your own business, register an account or sign in to Swoop. You can discover all the funding opportunities across loans, equity and grants available to your business, or get in touch with our team of experts who can offer you support and guidance. Useful resources‘The cheque’s in the post’: how to get paid on time Start me up: how to find investment for your startupHow securing startup funding changes the mindset of a new businessTime to invest in your SME
---
### Ask the experts: Swoop and Starling on RLS and ESG
- Published: 2021-10-07
- Modified: 2021-10-07
- URL: https://swoopfunding.com/uk/podcasts-videos/ask-the-experts-swoop-and-starling-on-rls-and-esg/
---
### Orchid Black – Jim Barnish | Take The Plunge Podcast
- Published: 2021-09-17
- Modified: 2021-10-06
- URL: https://swoopfunding.com/uk/podcasts-videos/orchid-black-jim-barnish-take-the-plunge-podcast/
- Section: Podcasts
We're pleased to introduce Jim Barnish, founder and Managing Partner of Orchid Black, for the eleventh instalment of our "Take the Plunge" podcast season 2. Orchid Black is a boutique advisory of former CEOs, CROs, strategy execs and board members. They partner with tech board companies to build smarter, better game-changing businesses. Tune in to hear Ciaran and Jim discuss: Overcoming initial challengesEvolution of Orchid BlackGetting through lockdownCapitalizing on successNew business trends Play Podcast on Spotify or iTunes, or watch it on Youtube above. If you’re in need of funding to help your business grow simply register or sign in to Swoop. You can discover all the funding opportunities across loans, equity and grants available to your business, or get in touch with our team of experts who can offer you support and guidance. Useful resourcesStart me up: how to find investment for your startupHow securing startup funding changes the mindset of a new businessTime to invest in your SMEFree money (honestly) and where to find it
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### Get ready for Christmas '21: stock and staff
- Published: 2021-08-09
- Modified: 2021-08-09
- URL: https://swoopfunding.com/uk/podcasts-videos/get-ready-for-christmas-21-stock-and-staff/
- Section: Videos
You need to be ready for what will be a make-or-break Christmas. The elves at Swoop have a few ideas on what your business needs to do to ensure you make the most of it.
---
### Sk|in - Ben Barter | Take The Plunge Podcast
- Published: 2021-08-03
- Modified: 2021-08-03
- URL: https://swoopfunding.com/uk/podcasts-videos/skin-ben-barter-take-the-plunge-podcast/
- Section: Podcasts
We’re delighted to be live with the eighth instalment of our ‘Take The Plunge’ podcast series season 2, this time joined by Ben Barter, co-founder of Sk|in. Sk|in aims to be a marketplace where people can compare and review products they buy, mainly focused on beauty products.   Tune in to hear Ciaran and Ben discuss: Coming up with a new idea and building the businessThe importance of feedback from customers Selecting an agency Raising funding in order to grow the business Promoting the appAspirations for Sk|in Play Podcast on Spotify or iTunes, or watch it on Youtube above. Are you also looking for funding to get your business off the ground? Register an account or sign in to Swoop to discover funding opportunities across loans, equity and grants available to your business. You can also get in touch with our team of experts readily available to offer you support and guidance on your opportunities.   Useful Resources: SEIS vs. EIS explained – what’s the difference? Free money (honestly) and where to find itTime to invest in your SMEStart me up: how to find investment for your startupThe dos and don’ts of creating a pitch deck
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### Nú Infusions - Conor Meehan | Take The Plunge Podcast
- Published: 2021-07-06
- Modified: 2021-07-06
- URL: https://swoopfunding.com/uk/podcasts-videos/nu-infusions-conor-meehan-take-the-plunge-podcast/
We’re delighted to have Conor Meehan, co-founder of Nú Infusions, join us for the sixth episode of our ‘Take The Plunge’ podcast series season 2. Nú Infusions is Ireland’s first Guayusa tea company. Guayasu is an amazonian tea that offers a calmer lift than coffee, more antioxidants than green tea and a delicious smooth flavour. Conor takes us through the journey of starting Nú Infusions with his childhood friend Fionn.   Tune in to hear Ciaran and Conor discuss: Getting the business off the ground Making the first sale Bringing awareness to the product and making the brand stand out Financing growth Next steps and aspirations for Nú Infusions Play Podcast on Spotify or iTunes, or watch it on Youtube above. Are you looking for funding to get your own business started, Swoop can help. Simply register an account or sign in to our platform to discover all funding opportunities available to your business across loans, equity and grants. You can also get in touch with our team of experts readily available to support you with support and guidance. Swoop useful resources: Free money (honestly) and where to find itOpening a business bank account in the UK: how-to & what you needThe dos and don’ts of creating a pitch deckStart me up: how to find investment for your startup
---
### Advisor demo video
- Published: 2021-07-01
- Modified: 2024-01-17
- URL: https://swoopfunding.com/uk/podcasts-videos/advisor-demo-video/
- Section: Swoop for Advisors, Videos
---
### Futrli - Hannah Dawson | Take The Plunge Podcast
- Published: 2021-05-25
- Modified: 2021-05-25
- URL: https://swoopfunding.com/uk/podcasts-videos/futrli-hannah-dawson-take-the-plunge-podcast/
We were very excited to have Hannah Dawson, CEO and Founder of Futrli, take part in the third episode of our podcast series ‘Take The Plunge’ season 2. Futrli is a forecasting tool for small businesses and accountants. Their vision is to give every business the opportunity to flourish by taking control of their financial future, and making the right decisions using their education, tools and products. Tune in to hear Ciaran and Hannah discuss:  The motivation behind Futrli Securing funding to get the business up and running Understanding the customer segment you want to reachThe importance of brand recognitionManaging your team Challenges when scaling the business and managing cash flow  Play Podcast on Spotify or iTunes, or watch it on Youtube above. Are you looking for funding to get your business up and running? Simply register an account for free or sign in at Swoop. Here you can discover the funding opportunities available to your business, or get in touch with our team of experts, readily available to offer you guidance and support.   Swoop Useful Resources: Opening a business bank account in the UK: how-to & what you needSwooping in to save you moneyThe dos and don’ts of creating a pitch deckStart me up: how to find investment for your startup
---
### Webinar recording: How to grow your business safely in the "new normal"
- Published: 2021-03-23
- Modified: 2021-05-27
- URL: https://swoopfunding.com/uk/podcasts-videos/webinar-recording-how-to-grow-your-business-safely-in-the-new-normal/
- Section: Webinars
---
### Tribu Hair - Glen Brophy | Take The Plunge Podcast
- Published: 2021-03-10
- Modified: 2022-03-29
- URL: https://swoopfunding.com/uk/podcasts-videos/tribu-hair-glen-brophy-take-the-plunge-podcast/
- Section: Podcasts
In this week’s ‘Take the Plunge’ episode, we’re joined by the founder of Tribu Hair, Glen Brophy. With 17 years of experience as a hairdresser across Australia and the UK, Glen shares his story on starting his own hair salon.   Tune in to hear Ciaran and Glen talk through: The process, first steps and preparation of starting a business from scratch Getting the first customers and promoting the business The importance of good customer service Next steps for Tribu Hair  Play Podcast on Spotify or iTunes, or watch it on Youtube above. Are you looking for funding to get your business up and running, or power through the pandemic? Swoop can offer you support and guidance and help you discover the funding and savings opportunities available to your business. Simply register an account for free or sign in to talk to an expert from the Swoop team. Swoop Useful Resources: Start me up: how to find investment for your startupRisky Business: How to trade safely through COVID-19 and Brexit Budget 2021- Reassurance for SMEs as we emerge from the pandemicOpening a business bank account in the UK: how-to & what you needOpening a Business Current Account during the pandemicOpening a Business Bank Account with Bad Credit
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### Foodomnia - Mark Murphy | Take The Plunge Podcast
- Published: 2021-03-03
- Modified: 2023-08-23
- URL: https://swoopfunding.com/uk/podcasts-videos/foodomnia-mark-murphy-take-the-plunge-podcast/
- Section: Podcasts
We were very happy to be joined by Mark Murphy, founder of Foodomnia, for the thirteenth instalment of our ‘Take The Plunge’ podcast series. Foodomnia builds delivery only digital native food concepts for the takeaway market place. Since launching in 2018 Foodomnia has developed the 3 following brands, Canna, Freebird and Burgerism. Tune in to hear Ciaran and Mark discuss: How Mark came to the decision of starting his own business in an industry he hadn’t worked in before Picking a location for your business, securing a lease and building brand awareness Growing and developing your business, as well as evolving as a founder and motivating your team The dynamic shift in the relationships with your investors Milestones and next steps for Foodomnia Play Podcast on Spotify or iTunes, or watch it on Youtube above. If you’re looking for funding to start your own business, or help your business grow, Swoop can help. Sign in or register an account for free to discover the funding and savings opportunities available to your business or talk to one of our experts. Swoop Useful Resources:Start me up: how to find investment for your startupOpening a business bank account in the UK: how-to & what you need
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### Country & Townhouse - Jeremy Isaac | Take The Plunge Podcast
- Published: 2021-02-18
- Modified: 2023-08-23
- URL: https://swoopfunding.com/uk/podcasts-videos/country-townhouse-jeremy-isaac-take-the-plunge-podcast/
- Section: Podcasts
For the eleventh instalment of our ‘Take The Plunge’ podcast series, we were pleased to welcome Jeremy Isaac, co-founder and managing director of lifestyle magazine Country & Townhouse. Tune in to hear Ciaran and Jeremy discuss: Country & Townhouse’s growth as an independent media brand The importance of knowing your audience Benefits of bringing trusted investors onboard from the beginning The effect of the introduction of high stamp duty prices in 2015 on the property market The future for Country & Townhouse Play Podcast on Spotify or iTunes, or watch it on Youtube above. Are you interested in starting your own business, and looking for funding to get it up and running? Swoop can help you discover the funding opportunities across loans, equity and grants available to your business. Check out the Swoop Marketplace or simply register an account for free and speak to our team of experts. Swoop Useful Resources: Additional stamp duty and expected surge in commercial remortgagesWhy do I need a Business Current Account
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### Bunsen - Finn Gleeson | Take The Plunge Podcast
- Published: 2021-02-10
- Modified: 2024-05-16
- URL: https://swoopfunding.com/uk/podcasts-videos/bunsen-finn-gleeson-take-the-plunge-podcast/
- Section: Podcasts
We are excited to announce that the tenth episode of our ‘Take The Plunge’ podcast series with one of the founders of Bunsen, Finn Gleeson, is now live. Bunsen is a popular burger chain, serving quality burgers with a simple concept in their 8 restaurants across Ireland. Tune in to hear Ciaran and Finn discuss: The struggles of starting a restaurant and breaking into a new market Finding the right strategy and concept to enable growth Building a network of reliable people and strong brand image The benefits of starting and running your own business Play Podcast on Spotify or iTunes, or watch it on Youtube above.   Are you considering starting your own business? Swoop can offer you the tools and guidance you need to get your business up and running. Check out our Swoop Marketplace to discover the funding and savings opportunities available to your business, or simply register an account for free to get in touch with one of our experts. Swoop Useful Resources  Start me up: how to find investment for your startupWhy do I need a Business Current Account? Opening a business bank account in the UK: how-to & what you need
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### Infinite Management - Sam Patterson and Monica Gartner | Take The Plunge Podcast
- Published: 2021-02-03
- Modified: 2023-08-23
- URL: https://swoopfunding.com/uk/podcasts-videos/infinite-management-sam-patterson-and-monica-gartner-take-the-plunge-podcast/
- Section: Podcasts
We were thrilled to be joined by Sam Patterson and Monica Gartner for the ninth episode of our ‘Take the Plunge’ podcast. Sam and Monica are the founders of Infinite Management - an award-winning social media management company. Tune in to hear Ciaran, Sam and Monica discuss their thoughts on: Starting a business without any professional experience Finding the right client group and pricing strategy Growing your business and finding a trustworthy team Managing a life/work balance when running a business The impact of the pandemic and next steps for Infinite Management Play Podcast on Spotify or iTunes, or watch it on Youtube above. Thinking of starting your own business or looking for funding to grow? Swoop can offer you support and guidance, and help you discover the funding and savings opportunities available to your business. Simply register an account for free or check out the Swoop Marketplace. Swoop Useful Resources: Opening a business bank accountSwooping in to save you money
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### Just Work - Joanna Wilson | Take The Plunge Podcast
- Published: 2021-01-27
- Modified: 2024-01-03
- URL: https://swoopfunding.com/uk/podcasts-videos/just-work-joanna-wilson-take-the-plunge-podcast/
- Section: Podcasts
It’s time for the eighth instalment of our ‘Take The Plunge’ podcast series. This week, we’re joined by Joanna Wilson, Founder of Just Work Wellness and Just Work Tutoring, an online platform aimed at supporting and motivating people around the world. On the platform, Joanna also sells her own planners, aimed at helping her customers organise their time in the best way possible. Tune in to hear Ciaran and Joanna share their thoughts on: Starting a business and taking the initial steps  Building a brand and outsourcing Managing a Business Current Account  Next steps for Just Work  Play Podcast on Spotify or iTunes, or watch it on Youtube above.   If you’re starting a business and struggling to find the right tools to get you up and running, Swoop can help. Check out the Swoop Marketplace which includes a Business Current Account Checker and Startup Loans page.   Swoop Useful Resources:Start me up: how to find investment for your startupWhy do I need a Business Current Account? Opening a Business Bank Account with Bad CreditBusiness Current Accounts, can I have two?
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### Arts Thread - Alex Brownless | Take The Plunge Podcast
- Published: 2021-01-13
- Modified: 2023-09-05
- URL: https://swoopfunding.com/uk/podcasts-videos/arts-thread-alex-brownless-take-the-plunge-podcast/
- Section: Podcasts
Another episode of our ‘Take the plunge’ podcast series is now live. This week, we were delighted to welcome Alex Brownless, Co-Founder of Arts Thread. Arts Thread is the launchpad for emerging artists and designers, bridging the gap between education and industry. Learn about Alex’s life before starting Arts Thread - what made him take the plunge and start his own company - alongside some advice on running a business. Tune in to hear Ciaran and Alex talk about: The gamble of starting your own business Building a platform from scratch The impact of COVID-19 on Arts Thread Growing your business through partnerships and collaborations Play Podcast on Spotify or iTunes, or watch it on Youtube above. If you’re thinking of starting a business, Swoop can help you access the funding you need to start and grow your business. Simply register here to build your profile for free and get in touch with one of our experts. Swoop Useful Resources: Why do I need a Business Current Account? Swooping in to save you moneyStart me up: how to find investment for your startup
---
### Sons - Will Kennedy & Adrian Gilbane | Take The Plunge Podcast
- Published: 2021-01-06
- Modified: 2022-03-29
- URL: https://swoopfunding.com/uk/podcasts-videos/sons-will-kennedy-adrian-gilbane-take-the-plunge-podcast/
- Section: Podcasts
It’s time for the fifth instalment of our ‘Take the plunge’ podcast series with Will Kennedy and Adrian Gilbane, the Co-Founders of Sons. Discover how Will and Adrian built Sons - a hair loss subscription service - and their journey so far.   Be sure to tune in to hear Ciaran, Will and Adrian discuss: How to start a businessManaging the impact of COVID-19Sons’ journey so far  Play Podcast on Spotify or iTunes, or watch it on Youtube above.   If you’re considering starting your own business and are in need of funding, or looking to bolster your business through the pandemic, Swoop can help you discover the best funding and savings solution for your business. Simply register with Swoop to review your options and talk to one of our experts. Swoop Useful Resources: Webinar: Starting your business in lockdown - what a first time entrepreneur should knowRisky Business: How to trade safely through COVID-19 and BrexitSwooping in to save you moneyStart me up: how to find investment for your startupWhy do I need a Business Current Account?
---
### Bua Fit - Dave Stapleton | Take The Plunge Podcast
- Published: 2020-12-11
- Modified: 2023-09-05
- URL: https://swoopfunding.com/uk/podcasts-videos/bua-fit-dave-stapleton-take-the-plunge-podcast/
- Section: Podcasts
We were delighted to kick-off our new ‘Take the plunge’ podcast series with BUA FIT, who offer 1000s of group fitness classes with top trainers across London. We were particularly excited to hear David Stapleton, Founder and CEO of BUA FIT, share his story on starting a business, the challenges that followed, their investment solution and how BUA FIT have pivoted to add value throughout the pandemic. Tune in to hear Ciaran and David discuss and share their thoughts on a wide range of topics: Fitness Starting a business Equity crowdfunding via Seedrs Customer acquisition Using Eventbrite to capture key marketing data Play Podcast on Spotify or iTunes, or watch on YouTube above. If you’re a business looking for support and guidance, you can check out your options for equity and startup loans on our Swoop Marketplace. Simply register an account for free to get started and speak to the team of experts at Swoop. Swoop Useful Resources How to find investment for your startup businessThe dos and don’ts of creating a pitch deck
---
### Neil Dillon on Equity and Funding Your Business | Swoop Funding Webinar Summary
- Published: 2020-12-11
- Modified: 2020-12-15
- URL: https://swoopfunding.com/uk/podcasts-videos/neil-dillon-on-equity-and-funding-your-business-swoop-funding-webinar-summary/
- Section: Webinars
---
### What Is A Working Capital Loan?
- Published: 2020-12-11
- Modified: 2020-12-15
- URL: https://swoopfunding.com/uk/podcasts-videos/what-is-a-working-capital-loan/
- Section: Videos
---
### Swoop Funding - What Is Swoop?
- Published: 2020-12-11
- Modified: 2020-12-15
- URL: https://swoopfunding.com/uk/podcasts-videos/swoop-funding-what-is-swoop/
- Section: Videos
---
### How do I value my business?
- Published: 2020-12-11
- Modified: 2020-12-15
- URL: https://swoopfunding.com/uk/podcasts-videos/how-do-i-value-my-business/
- Section: Videos
---
### Swoop Founders Series - Terence Lapidus, Up Full
- Published: 2020-12-10
- Modified: 2020-12-15
- URL: https://swoopfunding.com/uk/podcasts-videos/swoop-founders-series-terence-lapidus-up-full/
- Section: Videos
---
---
## International Money Transfers
---
## Trusted Advisors
### Valued
- Published: 2025-05-13
- Modified: 2025-05-13
- URL: https://swoopfunding.com/uk/trusted-advisors/valued/
- Advisor Region: Durham
Empowering business owners through caring, values-based accounting and mentoring. We simplify the numbers so you can focus on making a difference.
Empowering business owners through caring, values-based accounting and mentoring. We simplify the numbers so you can focus on making a difference.
---
### Buzz Accounting
- Published: 2025-05-13
- Modified: 2025-05-13
- URL: https://swoopfunding.com/uk/trusted-advisors/buzz-accounting/
- Advisor Region: Manchester
We combine easy-to-use tools with expert support, so you can focus on running your business while we handle the hard stuff. From bookkeeping and invoicing to tax preparation and filing, Buzz makes it all simple, seamless, and affordable.
At Buzz Accounting, we believe managing your accounts shouldn’t be a headache. That’s why we’ve created an all-in-one online service designed to help sole traders, freelancers, and micro-businesses stay on top of their finances – without the stress. We combine easy-to-use tools with expert support, so you can focus on running your business while we handle the hard stuff. From bookkeeping and invoicing to tax preparation and filing, Buzz makes it all simple, seamless, and affordable.
---
### Elver E-Commerce Accountants
- Published: 2025-05-13
- Modified: 2025-05-13
- URL: https://swoopfunding.com/uk/trusted-advisors/elver-e-commerce-accountants/
- Advisor Region: Wigan
Specialist UK accountants for e-commerce businesses. We provide tailored bookkeeping, VAT/GST compliance, and strategic financial guidance to help online retailers scale globally.
Specialist UK accountants for e-commerce businesses. We provide tailored bookkeeping, VAT/GST compliance, and strategic financial guidance to help online retailers scale globally.
---
### The Wow Company
- Published: 2025-05-13
- Modified: 2025-05-13
- URL: https://swoopfunding.com/uk/trusted-advisors/the-wow-company/
- Advisor Region: London
We're The Wow Company. We are a specialist accountancy firm who has spent over 20 years supporting agencies, consultancies and tech businesses with over £1m in turnover.
We're The Wow Company. We are a specialist accountancy firm who has spent over 20 years supporting agencies, consultancies and tech businesses with over £1m in turnover. We do everything you'd expect an accountant to do, and more! From outsourced finance through to strategic advisory services, exit planning (including buying and selling businesses), R&D, and tax planning.
---
### Chapel Road Accounting Services Limited
- Published: 2025-05-13
- Modified: 2025-05-13
- URL: https://swoopfunding.com/uk/trusted-advisors/chapel-road-accounting-services-limited/
- Advisor Region: Saxmundham
CRASL helps UK businesses thrive with friendly, expert accounting, bookkeeping, and payroll services—making your numbers simple, clear, and stress-free.
CRASL helps UK businesses thrive with friendly, expert accounting, bookkeeping, and payroll services—making your numbers simple, clear, and stress-free.
---
### Gow and Partners Ltd
- Published: 2025-05-13
- Modified: 2025-05-13
- URL: https://swoopfunding.com/uk/trusted-advisors/gow-and-partners-ltd/
- Advisor Region: Darwen
A fractional finance team to support your growth with scalable finance support. Transform how you manage your finances and accelerate your business with a finance partner who truly understands your needs. We assist to streamline your finance function with best of breed software and tried and tested systems and process powered by our 'Gow Solution'.
A fractional finance team to support your growth with scalable finance support. Transform how you manage your finances and accelerate your business with a finance partner who truly understands your needs. We assist to streamline your finance function with best of breed software and tried and tested systems and process powered by our 'Gow Solution'.
---
### SHMS Accountants Ltd
- Published: 2025-05-13
- Modified: 2025-05-13
- URL: https://swoopfunding.com/uk/trusted-advisors/shms-accountants-ltd/
- Advisor Region: Fareham
At SHMS Ltd, we provide expert accounting, business advisory, and strategic support to help UK SMEs unlock growth and improve profitability. Based in Hampshire, we work closely with ambitious business owners, offering tailored solutions that simplify finance, boost efficiency, and create long-term value.
At SHMS Ltd, we provide expert accounting, business advisory, and strategic support to help UK SMEs unlock growth and improve profitability. Based in Hampshire, we work closely with ambitious business owners, offering tailored solutions that simplify finance, boost efficiency, and create long-term value. With a strong background in financial management and entrepreneurship, we understand the challenges faced by small to medium-sized businesses. That’s why we go beyond the numbers—partnering with clients to identify opportunities, reduce costs, streamline operations, and support better decision-making. Our hands-on, personalised approach means we build trusted relationships, often acting as an outsourced finance function or strategic advisor. Whether you're seeking funding, looking to scale, or simply want tighter financial control, SHMS Ltd brings the insight and support you need to move forward with confidence. We’re proud to partner with platforms like Swoop to give our clients access to funding, grants, and financial products that match their business goals. If you're ready to grow smarter and operate more efficiently, let’s have a conversation.
---
### Redash Group
- Published: 2025-05-13
- Modified: 2025-05-13
- URL: https://swoopfunding.com/uk/trusted-advisors/redash-group/
- Advisor Region: Brighton, Carlow, Dublin, Kilkenny, London, Waterford, Wexford
Redash Group specialises in corporate finance, funding, and M&A advisory. Our Analyse | Connect | Execute approach helps businesses secure capital, grow strategically, and optimise financial success.
Redash Group specialises in corporate finance, funding, and M&A advisory. Our Analyse | Connect | Execute approach helps businesses secure capital, grow strategically, and optimise financial success.
---
### RAM Accountants
- Published: 2025-05-13
- Modified: 2025-05-13
- URL: https://swoopfunding.com/uk/trusted-advisors/ram-accountants/
- Advisor Region: Glasgow
A bespoke, reliable and proactive accounting practice allowing you to focus on what's important; building your business.
A bespoke, reliable and proactive accounting practice allowing you to focus on what's important; building your business.
---
### RJF
- Published: 2025-05-13
- Modified: 2025-05-13
- URL: https://swoopfunding.com/uk/trusted-advisors/rjf/
- Advisor Region: Manchester
RJF Accountants is built for startups, led by a founder who’s invested in and scaled businesses himself. Get expert financial support, funding advice, and investor-ready accounts to grow with confidence.
RJF Accountants is built for startups, led by a founder who’s invested in and scaled businesses himself. Get expert financial support, funding advice, and investor-ready accounts to grow with confidence.
---
### Blu Sky Chartered Accountants
- Published: 2025-05-13
- Modified: 2025-05-13
- URL: https://swoopfunding.com/uk/trusted-advisors/blu-sky-chartered-accountants/
- Advisor Region: Newcastle
Blu Sky Chartered Accountants is a high-growth cloud accountancy firm based in the North East of England. We specialize in supporting ambitious businesses across the UK, helping them to grow and achieve their visions. Blu Sky stands out by integrating the latest financial technology stacks, making us more akin to a tech company than a traditional accountancy firm.
Blu Sky Chartered Accountants is a high-growth cloud accountancy firm based in the North East of England. We specialize in supporting ambitious businesses across the UK, helping them to grow and achieve their visions. Blu Sky stands out by integrating the latest financial technology stacks, making us more akin to a tech company than a traditional accountancy firm. Our services cater to businesses at various stages of their journey, from pre-seed to Series A and beyond. Blu Sky provides informed recommendations and advice, ensuring clients have the financial insights needed to make strategic business decisions. Blu Sky is committed to understanding the bigger picture behind the numbers, providing a comprehensive approach to financial wellbeing. Our team is approachable and dedicated to delivering personalised support, making us a trusted partner for businesses looking to navigate the complexities of growth and investment.
---
### Accounts Direct
- Published: 2025-05-13
- Modified: 2025-05-13
- URL: https://swoopfunding.com/uk/trusted-advisors/accounts-direct/
- Advisor Region: Belfast, London, Manchester
Accounts Direct provides hassle-free accounting, bookkeeping, and advisory services for UK businesses. We simplify finances with expert support, automation, and AI, helping businesses grow with confidence.
Accounts Direct provides hassle-free accounting, bookkeeping, and advisory services for UK businesses. We simplify finances with expert support, automation, and AI, helping businesses grow with confidence.
---
### Walk The Talk Training Limited
- Published: 2025-05-09
- Modified: 2025-05-13
- URL: https://swoopfunding.com/uk/trusted-advisors/walk-the-talk-training-limited/
- Advisor Region: Durham
Welcome to Valued, Durham's trusted accountants and Xero specialists. We help sole traders and small limited companies transform their businesses through expert accountancy, cloud solutions, and personal mentoring.
Welcome to Valued, Durham's trusted accountants and Xero specialists. We help sole traders and small limited companies transform their businesses through expert accountancy, cloud solutions, and personal mentoring.
---
---
## Grants calendar
### BBSRC new investigator award: 2025 round 3: applicant-led mode
- Published: 2025-04-30
- Modified: 2025-04-30
- URL: https://swoopfunding.com/grants-calendar/bbsrc-new-investigator-award-2025-round-3-applicant-led-mode/
- Industry: Agritech, Biotech, Life Sciences, Professional scientific and technical services
- Country: United Kingdom
The BBSRC New Investigator Award: 2025 Round 3 (Applicant-led Mode) is a grant designed to support early-career researchers in the biological sciences. Key Details: Purpose: To assist newly employed university lecturers, researchers in research council institutes (at a level equivalent to lecturer), and fellows (at a level equivalent to lecturer) in securing their first major research funding. Funding Amount: Up to £2 million (full economic cost), with BBSRC funding 80% of this amount. Duration: Projects can last up to five years. Eligibility: Applicants must not have previously received competitive research funding as a project lead that included postdoctoral research assistant support. Application Window: Opens on 24 April 2025 and closes on 24 September 2025 at 4:00pm UK time. This award supports investigator-led research across the breadth of BBSRC's scientific remit. Applicants should demonstrate their potential to become future research leaders. For further information, check out the website.
---
### Farming Futures R&D Fund: low emissions farming
- Published: 2025-04-30
- Modified: 2025-04-30
- URL: https://swoopfunding.com/grants-calendar/farming-futures-rd-fund-low-emissions-farming/
- Industry: Agriculture, Agriculture & forestry & fishing & hunting, Agritech, Biotech, Food and Beverage, Life Sciences, Professional scientific and technical services
- Country: United Kingdom
UK registered organisations can apply for a share of up to £12. 5 million for industrial research projects from the Farming Futures Research and Development (R&D) Fund, a part of the Farming Innovation Programme. This competition is open to collaborations only. To lead a project your organisation must be a UK registered: business academic institution research and technology organisation You must collaborate with other UK organisations. Your project must involve at least one eligible grant claiming business. For further information, check out the website.
---
### Farming Futures R&D Fund: Precision Breeding competition
- Published: 2025-04-30
- Modified: 2025-04-30
- URL: https://swoopfunding.com/grants-calendar/farming-futures-rd-fund-precision-breeding-competition/
- Industry: Agriculture, Agriculture & forestry & fishing & hunting, Agritech, Deep Technology, Food and Beverage, Sustainability
- Country: United Kingdom
UK registered businesses can apply for a share of up to £12. 5 million for precision breeding of arable and horticultural crops. This funding is from the Farming Futures Research and Development (R&D) Fund, a part of the Farming Innovation Programme. This competition is open to collaborations only. To lead a project, your organisation must be a UK registered business. You must collaborate with other UK registered organisations and must involve at least one of the following: a UK registered business an academic institution a research and technology organisation a charity a not for profit a public sector organisation For mor information, check out the website.
---
### Cyber security academic startup accelerator programme year nine: phase one
- Published: 2025-01-30
- Modified: 2025-01-30
- URL: https://swoopfunding.com/grants-calendar/cyber-security-academic-startup-accelerator-programme-year-nine-phase-one/
- Industry: Artificial intelligence, Cybersecurity, Data Analytics/Data Science, Information and Cultural Industries, IT, Professional scientific and technical services
- Country: United Kingdom
Innovate UK, in collaboration with the Department for Science, Innovation and Technology, invites applications for the CyberASAP Year Nine: Phase One. This programme supports individuals based in UK academic institutions who have cyber security-related ideas and are interested in commercialising them. Applicants must have the support of their institution's technology transfer office or equivalent. The competition is open to single applicants and collaborations. The total funding available is £800,000. The application window opens on 20 January 2025 at 9:30 am UK time and closes on 12 February 2025 at 11:00 am UK time. For further information, check out the website.
---
### BBSRC ICURe Explore
- Published: 2025-01-30
- Modified: 2025-01-30
- URL: https://swoopfunding.com/grants-calendar/bbsrc-icure-explore/
- Industry: Agritech, Biotech, Life Sciences, Professional scientific and technical services
- Country: United Kingdom
The Biotechnology and Biological Sciences Research Council (BBSRC) offers the Innovation to Commercialisation of University Research (ICURe) Explore program to support research teams from UK universities, BBSRC-funded institutes, and approved public sector research enterprises. The program aims to train and fund teams to determine the market viability of their bioscience innovations. Eligible teams must build upon research funded by a previous BBSRC or other UK Research and Innovation (UKRI) grant. Each team comprises an entrepreneurial lead (such as a PhD student, technician, or postdoctoral researcher), an associated science advisor, a technology transfer professional, and a business adviser. The program includes a 12-week full-time commitment, combining online and in-person activities, and provides up to £35,000 to cover expenses related to market exploration. The application window opens on 16 January 2025 and closes on 18 March 2025 at 5:00 pm UK time. For further information, check out the website.
---
### BBSRC new investigator award: 2025 round 2: responsive mode
- Published: 2025-01-30
- Modified: 2025-01-30
- URL: https://swoopfunding.com/grants-calendar/bbsrc-new-investigator-award-2025-round-2-responsive-mode/
- Industry: Agritech, Biotech, Education, Life Sciences, Professional scientific and technical services
- Country: United Kingdom
The Biotechnology and Biological Sciences Research Council (BBSRC) invites applications for the New Investigator Award 2025 Round 2 under its responsive mode scheme. This award is designed to assist newly employed university lecturers, researchers in research council institutes (at a level equivalent to lecturer), and fellows (at a level equivalent to lecturer) in securing their first substantial research funding. Eligible applicants must be based at a UK research organisation eligible for BBSRC funding and should not have previously received competitively obtained research funding as a principal investigator that included postdoctoral research assistant support. The full economic cost (FEC) of the project can be up to £2 million, with BBSRC funding 80% of the FEC. Projects can last up to five years. The application window opens on 16 January 2025 and closes on 23 April 2025 at 4:00 pm UK time. For further information, check out the website.
---
### BBSRC standard research grant: 2025 round 2: responsive mode
- Published: 2025-01-22
- Modified: 2025-01-22
- URL: https://swoopfunding.com/grants-calendar/bbsrc-standard-research-grant-2025-round-2-responsive-mode/
- Industry: Agritech, Biotech, Education, Life Sciences, Professional scientific and technical services
- Country: United Kingdom
The BBSRC Standard Research Grant 2025 Round 2: Responsive Mode is designed to support excellent investigator-led research across the breadth of BBSRC's scientific remit. Researchers based at UK research organisations eligible for BBSRC funding can apply for grants with a full economic cost (FEC) of up to £2 million, covering projects of up to five years in duration. BBSRC will fund 80% of the FEC. The application window opens on 16 January 2025 and closes on 23 April 2025 at 4:00 pm UK time. For further information, check out the website.
---
### Doctoral Focal award in Engineering Biology
- Published: 2025-01-22
- Modified: 2025-01-22
- URL: https://swoopfunding.com/grants-calendar/doctoral-focal-award-in-engineering-biology/
- Industry: Biotech, Education, Engineering, Life Sciences, Professional scientific and technical services
- Country: United Kingdom
The Biotechnology and Biological Sciences Research Council (BBSRC), in collaboration with the Engineering and Physical Sciences Research Council (EPSRC), Medical Research Council (MRC), and Natural Environment Research Council (NERC), invites applications from UK-based research organisations for the Doctoral Focal Award in Engineering Biology. This initiative aims to develop researchers skilled in engineering biology to address bioscience challenges through innovative approaches. Eligible applicants include higher education institutions, research council institutes, independent research organisations, Catapult centres, and public sector research establishments. Each application must be led by an organisation eligible for UKRI funding and include at least one accredited PhD-awarding body. The total funding available is £17. 1 million, covering 100% of the full economic cost. For further information, check out the website.
---
### Doctoral Focal Award in AI and Data in the Biosciences
- Published: 2025-01-22
- Modified: 2025-01-22
- URL: https://swoopfunding.com/grants-calendar/doctoral-focal-award-in-ai-and-data-in-the-biosciences/
- Industry: Artificial intelligence, Biotech, Data Analytics/Data Science, Education, Life Sciences, Professional scientific and technical services
- Country: United Kingdom
The Biotechnology and Biological Sciences Research Council (BBSRC) invites applications from UK-based research organisations for the Doctoral Focal Award in AI and Data in the Biosciences. This initiative aims to develop researchers with strong quantitative skills to address bioscience challenges through innovative, data-driven approaches. Eligible applicants include higher education institutions, research council institutes, independent research organisations, Catapult centres, and public sector research establishments. Each application must be led by an organisation eligible for UKRI funding and include at least one accredited PhD-awarding body. The total funding available is £12 million, covering 100% of the full economic cost. For further information, check out the website.
---
### APC26: industrialising net zero automotive technology
- Published: 2025-01-22
- Modified: 2025-01-22
- URL: https://swoopfunding.com/grants-calendar/apc26-industrialising-net-zero-automotive-technology/
- Industry: Automotive, Energy, Manufacturing, Renewable energy, Sustainability, Transport Tech
- Country: United Kingdom
The Advanced Propulsion Centre (APC), in collaboration with Innovate UK and the Department of Business and Trade (DBT), is providing a total fund of £40 million to support UK-registered businesses in late-stage research and development projects. These projects should focus on industrialising on-vehicle technologies that contribute to the UK's net-zero automotive goals. Eligible projects must be collaborative, led by a UK-registered business, and include at least one grant-claiming micro, small, or medium-sized enterprise (SME). Applicants must demonstrate a clear route to market upon project completion. For further information, check out the website.
---
### Pre-announcement: Proof of Concept
- Published: 2025-01-22
- Modified: 2025-01-22
- URL: https://swoopfunding.com/grants-calendar/pre-announcement-proof-of-concept/
- Industry: Agnostic
- Country: United Kingdom
The UK Research and Innovation (UKRI) Proof of Concept funding opportunity is designed to facilitate the commercial application of existing research. It supports early-to-mid stage commercialisation activities that validate the development of concepts arising from research, paving the way for pathways such as licensing, spinouts, social ventures, or other commercial routes. Applications are welcomed from all disciplines and across the remits of various research councils, including the Arts and Humanities Research Council (AHRC), Biotechnology and Biological Sciences Research Council (BBSRC), Economic and Social Research Council (ESRC), Engineering and Physical Sciences Research Council (EPSRC), Medical Research Council (MRC), Natural Environment Research Council (NERC), and Science and Technology Facilities Council (STFC). To be eligible, applicants must be based at a UK research organisation eligible for UKRI funding. The funding supports projects with a full economic cost ranging from £100,000 to £250,000, covering durations between 6 to 12 months. UKRI will fund 80% of the full economic cost. An intention to submit is a mandatory step, with a deadline of 3 March 2025 at 4:00 pm UK time. The full funding opportunity will open on 12 March 2025. For further information, check out their website.
---
### MRC: partnership: responsive mode
- Published: 2025-01-22
- Modified: 2025-01-22
- URL: https://swoopfunding.com/grants-calendar/mrc-partnership-responsive-mode/
- Industry: Biotech, Deep Technology, Health care and social assistance, Life Sciences, Medtech
- Country: United Kingdom
The Medical Research Council (MRC) offers the Responsive Mode Partnership grant to support new or enhanced collaborations among diverse researchers. Applicants must be employed by eligible UK research organisations, such as universities or independent research institutes. The grant aims to establish high-value partnerships or enhance existing programmes in key research areas, including infections and immunity, neurosciences and mental health, molecular medicine, and systems medicine. Funding is available for projects lasting 1 to 5 years, with applicants required to complete a pre-application stage before being invited to submit a full application. The initiative seeks to add value to ongoing high-quality research supported by MRC or other funders, encouraging innovative and impactful scientific collaboration. For further information, check out their website.
---
### Infections and immunity: programme: responsive mode
- Published: 2025-01-17
- Modified: 2025-01-17
- URL: https://swoopfunding.com/grants-calendar/infections-and-immunity-programme-responsive-mode-2/
- Industry: Artificial intelligence, Biotech, Data Analytics/Data Science, Health care and social assistance, Life Sciences, Medtech
- Country: United Kingdom
The MRC’s Infections and Immunity programme supports research on infections, immunity, and immune-mediated diseases with funding up to £1 million. The Medical Research Council (MRC) offers a grant opportunity to support research programmes in the field of infections and immunity. This programme aims to advance understanding of human infectious diseases, immune-mediated conditions, and immune system regulation. It is open to researchers employed by eligible institutions in the UK who have a proven track record of securing funding and delivering successful research. Applicants may request funding up to £1 million or more, typically covering 80% of the project's full economic cost. The programme can last up to five years, and successful applicants will be expected to lead coordinated projects addressing key research questions. The scope includes studying human pathogens, antimicrobial resistance, co-infections, immunology, epidemiology, and vaccine development, among other areas. The MRC encourages diverse, innovative proposals and supports international collaborations under specific conditions.
---
### Neurosciences and mental health: programme: responsive mode
- Published: 2025-01-17
- Modified: 2025-01-17
- URL: https://swoopfunding.com/grants-calendar/neurosciences-and-mental-health-programme-responsive-mode/
- Industry: Artificial intelligence, Biotech, Data Analytics/Data Science, Government/public sector services, Health care and social assistance, Life Sciences, Medtech
- Country: United Kingdom
Apply for a grant to fund innovative research on neurosciences and mental health, with no funding limit, lasting up to five years. The Medical Research Council (MRC) is offering an open grant opportunity to support large-scale research programmes in the field of neurosciences and mental health. This opportunity, which was published on 14 January 2025, invites researchers employed at eligible research institutions to apply for funding with no set limit, although typical requests exceed £1 million. The grant can support projects up to five years in duration, provided applicants have a proven track record in securing funding and delivering impactful research. Key areas of focus include neurodegeneration, mental health, addictions, cognitive disorders, sensory neuroscience, and neuroinflammation, among others. Applicants must first complete a pre-application stage before being invited to submit a full application. The grant covers up to 80% of the full economic cost, and offers funding for salaries, research staff, consumables, equipment, travel, and dissemination. International researchers may apply as co-leads if their expertise adds significant value to the project. Equality, diversity, and flexibility are emphasized, with UKRI supporting applicants from diverse backgrounds and offering accommodations for various needs. The programme is open for applications until 30 April 2025, with the funding decision expected within six months of the project’s start date.
---
### Population and systems medicine: programme: responsive mode
- Published: 2025-01-17
- Modified: 2025-01-17
- URL: https://swoopfunding.com/grants-calendar/population-and-systems-medicine-programme-responsive-mode-2/
- Industry: Biotech, Data Analytics/Data Science, Health care and social assistance, Life Sciences, Medtech, Renewable energy, Social Enterprise, Technology
- Country: United Kingdom
Apply for MRC's responsive programme grant to support population and systems medicine research, focusing on health, disease, and inequalities. The Medical Research Council (MRC) offers an open funding opportunity for research programs within the domain of population and systems medicine. This grant supports programs that aim to explore human health and disease complexities across the life course, particularly focusing on factors like lifestyle, socio-economic influences, and environmental impacts on health. The funding is intended to foster coordinated and ambitious research projects with long-term impacts, including areas such as cardiovascular, respiratory, and musculoskeletal health, as well as nutrition, obesity, trauma, and maternal health. Applicants must be affiliated with eligible research organizations and have a proven track record of securing funding and delivering high-quality research. The program's duration is flexible, typically lasting up to five years, with no specific funding limit, though applicants usually request £1 million or more. MRC will cover up to 80% of the full economic cost, with 100% funding for eligible international collaborations. The program encourages diverse, inclusive applications and offers support for individuals with caregiving responsibilities or disabilities. Interested researchers must undergo a pre-application process and, if successful, will be invited to submit a full application. Collaborative efforts, including international partnerships, are encouraged, provided they meet MRC’s ethical and financial guidelines. Research projects can be multi-disciplinary, addressing interrelated questions and involving various research areas such as health inequalities, public health, and disease-related cohorts.
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### Molecular and cellular medicine: programme: responsive mode
- Published: 2025-01-17
- Modified: 2025-01-17
- URL: https://swoopfunding.com/grants-calendar/molecular-and-cellular-medicine-programme-responsive-mode/
- Industry: Artificial intelligence, Biotech, Data Analytics/Data Science, Deep Technology, Health care and social assistance, Life Sciences, Medtech, Sci & Tech Activities, Technology
- Country: United Kingdom
This MRC grant funds innovative research on molecular and cellular medicine, aiming to improve health through interdisciplinary scientific advancements. The Molecular and Cellular Medicine programme grant, offered by the Medical Research Council (MRC), is a funding opportunity open to research organisations in the UK to support ambitious research programmes focused on molecular and cellular medicine. The goal is to advance scientific understanding of biological mechanisms, structures, functions, and responses related to human health and disease. Applicants must be employed at eligible research institutions and have a proven track record of securing funding and conducting high-quality research. There are no funding limits, though applicants typically request over £1 million, with MRC covering up to 80% of the project's full economic cost. This funding supports a range of research areas, such as cell biology, molecular genetics, toxicology, regenerative medicine, and cancer. Successful applicants will conduct innovative, coordinated research programs over five years, contributing to advancements in human health. Eligibility requires a pre-application submission and an invitation to proceed with the full application stage. Additionally, applicants must adhere to MRC’s strategy, ensuring the project's alignment with broader scientific goals. For international researchers, co-leadership roles are available, and MRC encourages diversity and inclusive practices within research teams.
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### Experimental medicine to define new mechanisms of neurodegeneration
- Published: 2025-01-17
- Modified: 2025-01-17
- URL: https://swoopfunding.com/grants-calendar/experimental-medicine-to-define-new-mechanisms-of-neurodegeneration/
- Industry: Artificial intelligence, Biotech, Health care and social assistance, Life Sciences, Medtech, SaaS (Software as a Service), Technology
- Country: United Kingdom
This grant supports experimental medicine research to uncover mechanisms of neurodegeneration, aiming to develop innovative approaches for dementia treatment. The Medical Research Council (MRC) offers an open funding opportunity to investigate the mechanisms underlying neurodegeneration in order to advance the understanding and treatment of dementia-related conditions. This initiative, with a total fund of £18,000,000, provides up to £5,000,000 for each eligible project. It emphasizes experimental medicine, requiring interventions in human subjects, and encourages collaboration with industry partners. The focus is on exploring mechanistic hypotheses that can lead to novel therapies, diagnostic methods, and biomarkers. Projects must address significant knowledge gaps and can last up to five years, with milestones to ensure progress. Applications are open to UK-based research organizations, with patient and public involvement essential.
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### Molecular and cellular medicine: research grant: responsive mode
- Published: 2025-01-17
- Modified: 2025-01-17
- URL: https://swoopfunding.com/grants-calendar/molecular-and-cellular-medicine-research-grant-responsive-mode-2/
- Industry: Biotech, Energy, Health care and social assistance, Life Sciences, Medtech, Renewable energy, SaaS (Software as a Service)
- Country: United Kingdom
The Medical Research Council offers an open grant for molecular and cellular medicine research, funding up to 80% of costs. The Medical Research Council (MRC) offers a research grant in the responsive mode for projects focused on molecular and cellular medicine. This grant aims to support research into basic biological mechanisms, molecular structures, cellular functions, and how biological systems respond to diseases and challenges like drugs or toxins. The funding covers various areas such as cell biology, structural biology, genomics, pharmacology, and toxicology. There is no limit on funding, but applicants must ensure the amount requested is appropriate to the project. MRC typically funds up to 80% of the full economic cost. Projects can last up to five years, with typical durations of three to four years. Applicants must be employed by eligible research organizations and demonstrate their active involvement in the research. The funding encourages collaboration across multiple research groups and organizations, with international co-leads eligible for funding under specific conditions. The MRC also emphasizes diversity and inclusion in its funding processes, providing flexibility for researchers with varied personal circumstances.
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### Neurosciences and mental health research: research grant: responsive mode
- Published: 2025-01-17
- Modified: 2025-01-17
- URL: https://swoopfunding.com/grants-calendar/neurosciences-and-mental-health-research-research-grant-responsive-mode/
- Industry: Artificial intelligence, Biotech, Health care and social assistance, Life Sciences, Medtech, Technology
- Country: United Kingdom
Apply for MRC funding to support neurosciences and mental health research, aiming to improve understanding and treatment of disorders. The Medical Research Council (MRC) offers an open funding opportunity for research projects in neurosciences and mental health, focusing on improving understanding of the human nervous system, mental health, and neurological disorders. The funding is available to eligible researchers employed by institutions that qualify for MRC funding. The grants cover research areas like neurodegeneration, clinical neurology, mental health, addictions, sensory neuroscience, and more. There is no funding limit, but the grant typically supports up to 80% of the project's full economic cost. The research can last up to five years, with a preference for projects lasting three to four years. The grant is designed to support innovative projects, including those developing methods or infrastructures critical to the research community. Researchers can collaborate with multiple institutions or teams, and international co-leads can be included in projects. The MRC emphasizes diversity and inclusivity, providing flexibility for career breaks, caregiving responsibilities, and alternative working arrangements. Grants will fund salaries, research staff, equipment, travel, data dissemination, and international collaboration costs. However, randomized clinical treatment trials, PhD studentships, and certain costs, like publication fees, are excluded from funding. Applicants are encouraged to follow best practices for career development and international collaboration.
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### AHRC BRAID DOT: responsible AI collaborations with US researchers
- Published: 2025-01-17
- Modified: 2025-01-17
- URL: https://swoopfunding.com/grants-calendar/ahrc-braid-dot-responsible-ai-collaborations-with-us-researchers/
- Industry: Artificial intelligence, Arts & entertainment and recreation, Creative, Cybersecurity, Data Analytics/Data Science, Education, Govtech, Health care and social assistance, Information and Cultural Industries, Media, Sustainability, Technology
- Country: United Kingdom
The AHRC BRAID DOT grant promotes UK-US collaborations on the ethical, legal, and societal implications of artificial intelligence research. The AHRC BRAID DOT grant, co-funded by the Arts and Humanities Research Council (AHRC) and the National Endowment for the Humanities (NEH), is designed to foster UK-US collaborations focused on the ethical, legal, and societal challenges posed by artificial intelligence (AI). With a total fund of £1,075,000, this opportunity supports research on AI’s impact on public media and discourse, resilience and sustainability, and legal frameworks for AI innovation. Projects must utilize humanities-based approaches and exclude the development of AI technologies or algorithms. The grant aims to promote interdisciplinary collaboration, with UK teams eligible for up to £150,000 and US teams up to $150,000 for a research duration of up to two years.
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### Population and systems medicine: new investigator: responsive mode
- Published: 2025-01-17
- Modified: 2025-01-17
- URL: https://swoopfunding.com/grants-calendar/population-and-systems-medicine-new-investigator-responsive-mode/
- Industry: Biotech, Health care and social assistance, Life Sciences, Medtech, Sustainability
- Country: United Kingdom
This grant supports new investigators in population and systems medicine to advance toward independence with funding for research projects. The "Population and Systems Medicine: New Investigator: Responsive Mode" grant from the Medical Research Council (MRC) supports early-career researchers who are in the transition phase to independence. This funding opportunity, open from 13 January 2025 to 30 April 2025, offers support for research in population and systems medicine, including areas such as cardiovascular health, musculoskeletal issues, metabolic regulation, and health inequalities. Eligible applicants must demonstrate the necessary skills and experience for transitioning to an independent research career and have the backing of an eligible research organization. The grant can cover up to 80% of the full economic costs of the project, with typical funding durations lasting three years, including up to 50% of the applicant’s salary. The funding encourages diverse, interdisciplinary teams, with potential for international collaboration. Applicants should outline how their proposed work advances human health understanding, particularly focusing on complex disease mechanisms and public health outcomes.
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### Research skills leadership hub: full (Invite only)
- Published: 2025-01-17
- Modified: 2025-01-17
- URL: https://swoopfunding.com/grants-calendar/research-skills-leadership-hub-full-invite-only/
- Industry: Artificial intelligence, Data Analytics/Data Science, Educational services, Financial Services, Government/public sector services, Govtech, Health care and social assistance, IT, Life Sciences, Media, Professional scientific and technical services, Professional Services, Renewable energy, Sci & Tech Activities, Social Enterprise, Technology
- Country: United Kingdom
The ESRC invites select teams to create a £5M strategic leadership hub for transforming research skills training in social sciences. The Research Skills Leadership Hub is a groundbreaking initiative funded by the Economic and Social Research Council (ESRC) with a total investment of £5 million over five years. This grant is exclusively available to teams invited to apply following their successful submission of an expression of interest during the preliminary phase. The goal of this initiative is to establish a strategic leadership hub that will transform how research skills training and capacity building (TCB) are conceived, delivered, and accessed within the social sciences. This hub aims to address the evolving needs of researchers at all career stages by coordinating and innovating the delivery of TCB. By fostering collaboration among providers, it seeks to build a federated structure that simplifies the navigation of research skills resources. A vital component of this initiative is the creation of an accessible and inclusive digital platform that centralizes TCB resources into a streamlined "shop window" for researchers. Additionally, the hub will actively engage with the broader social sciences community to promote lifelong learning, address gaps in provision, and ensure the inclusivity and accessibility of training opportunities. The hub’s scope extends beyond academia to other sectors, including government, business, and the third sector, reflecting a phased approach to expanding its influence. It is tasked with fostering partnerships and leading strategic coordination to drive innovation and ensure the relevance of training programs in the face of policy...
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### Infections and immunity: new investigator: responsive mode
- Published: 2025-01-17
- Modified: 2025-01-17
- URL: https://swoopfunding.com/grants-calendar/infections-and-immunity-new-investigator-responsive-mode-2/
- Industry: Biotech, Deep Technology, Health care and social assistance, Life Sciences, Medtech, Professional scientific and technical services, Sci & Tech Activities
- Country: United Kingdom
The Medical Research Council’s grant supports researchers transitioning to independence, focusing on infections and immunity with flexible funding opportunities. The Medical Research Council (MRC) New Investigator Grant is a pivotal funding opportunity designed for early-career researchers in the field of infections and immunity. It provides critical support to individuals transitioning to independent research roles, enabling them to establish themselves as leaders in their field. Applicants must demonstrate that they possess the necessary skills and experience to undertake this transition, with a focus on conducting innovative research into areas such as human pathogens, immune-mediated diseases, immunological mechanisms, and related health challenges, including antimicrobial resistance and vaccine development. This grant offers considerable flexibility, with funding covering up to 80% of the full economic cost of a project and no predefined maximum amount, though projects typically cost under £1 million. The funding can be used for a wide range of needs, including salaries, research consumables, equipment, travel, and other essential project costs. The typical duration of funding is three years, though longer projects may be justified based on the specific needs of the research. The grant supports the professional development of researchers by allowing them to balance research with other academic or clinical responsibilities, such as teaching, administrative duties, or other research activities. It also emphasizes equality, diversity, and inclusion by promoting flexible working arrangements and offering accessibility support for applicants with disabilities. Applications for the New Investigator Grant must clearly outline the applicant's potential to lead the proposed research independently, demonstrating their...
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### Neurosciences and mental health: new investigator: responsive mode
- Published: 2025-01-16
- Modified: 2025-01-16
- URL: https://swoopfunding.com/grants-calendar/neurosciences-and-mental-health-new-investigator-responsive-mode-2/
- Industry: Artificial intelligence, Biotech, Deep Technology, Health care and social assistance, Life Sciences, Medtech, Professional scientific and technical services
- Country: United Kingdom
The Neurosciences and Mental Health: New Investigator Responsive Mode Grant empowers emerging researchers to advance neurosciences and mental health knowledge. The Neurosciences and Mental Health: New Investigator Responsive Mode Grant, funded by the Medical Research Council (MRC), is designed to support early-career researchers aiming to transition to independent research leadership. Open from 13 January 2025 to 30 April 2025, this grant provides an opportunity to conduct impactful research in neurosciences and mental health. The funding typically lasts three years, with no strict upper limit on the amount that can be requested, though most projects cost under £1 million. The MRC generally funds 80% of the full economic cost of the research, including up to 50% of the applicant’s salary, research consumables, travel expenses, equipment, and other eligible costs. The grant supports projects that advance understanding of the human nervous system, mental health, and related disorders, addressing areas such as neurodegeneration, cognitive neuroscience, and neuroimaging technologies. Eligibility requires candidates to demonstrate skills and experience appropriate for the "transition to independence" phase. Applicants must secure support from an MRC-eligible host organisation and focus their proposals within the field of neurosciences and mental health. Suitable candidates include postdoctoral research assistants, lecturers, or holders of early-career fellowships who have not yet led a research team or been awarded substantial grants enabling independence. International collaborations are encouraged, and the grant offers flexibility in terms of team composition, provided the applicant's leadership is clear. This grant seeks to empower new investigators to become independent researchers while...
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### Molecular and cellular medicine: new investigator: responsive mode
- Published: 2025-01-16
- Modified: 2025-01-16
- URL: https://swoopfunding.com/grants-calendar/molecular-and-cellular-medicine-new-investigator-responsive-mode/
- Industry: Artificial intelligence, Biotech, Health care and social assistance, Life Sciences, Medtech, Renewable energy, Technology
- Country: United Kingdom
This MRC grant supports early-stage researchers in molecular and cellular medicine, funding projects that promote career independence and innovation. The Medical Research Council (MRC) is offering an open funding opportunity for new investigators in molecular and cellular medicine. This grant is designed to support researchers in the early stages of transitioning to independent research roles. Applicants must be at the ‘transition to independence’ stage, demonstrating the skills and experience needed to lead research projects. The grant covers a wide range of research areas, including cell biology, molecular genetics, regenerative medicine, and pharmacology, with the aim of advancing understanding in human health and disease. Funding is available for a variety of costs, such as salaries (up to 50% of total working time), research consumables, equipment, and team collaboration expenses. The typical project duration is three years, with MRC funding 80% of the full economic cost, although larger amounts may be requested based on project needs. Notably, applicants must show that they are the sole intellectual leader of the research, with the support of an eligible host research organization. While the funding is not renewable, it encourages career development, flexible working arrangements, and diverse, interdisciplinary collaborations. International project co-leads may also be included under specific conditions.
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### Infections and immunity: research grant: responsive mode
- Published: 2025-01-16
- Modified: 2025-01-16
- URL: https://swoopfunding.com/grants-calendar/infections-and-immunity-research-grant-responsive-mode/
- Industry: Biotech, Health care and social assistance, Life Sciences, Medtech, Professional scientific and technical services, Technology
- Country: United Kingdom
This grant supports research on infections and immunity, funding up to 80% of project costs for eligible UK researchers. The Medical Research Council (MRC) is offering a funding opportunity for research projects focused on infections and immunity. The grant, open from January 10 to April 30, 2025, is designed for researchers employed by eligible organizations. Applicants can propose projects lasting up to five years, typically three to four, to explore areas such as human pathogens, immune-mediated diseases, antimicrobial resistance, chronic infections, and vaccines. While there is no cap on funding, applicants must justify the requested amount, which can cover salaries, research staff, consumables, travel, and international collaboration costs. The MRC will fund 80% of the total project costs and offers flexible support for career breaks, flexible working, and other personal circumstances. Applications from diverse researchers are encouraged, and the MRC seeks to foster international collaborations within specific guidelines.
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### International Centre to Centre Research Collaborations 2025: invite only
- Published: 2025-01-16
- Modified: 2025-01-16
- URL: https://swoopfunding.com/grants-calendar/international-centre-to-centre-research-collaborations-2025-invite-only/
- Industry: Aerospace, Agritech, Artificial intelligence, Autonomous Vehicles, Biotech, Cybersecurity, Data Analytics/Data Science, Defense, Drones, Energy, Engineering, Health care and social assistance, IT, Life Sciences, Manufacturing, Medtech, Renewable energy, Robotics, SaaS (Software as a Service), Sci & Tech Activities, Sustainability, Technology, Transport Tech, Transportation Services and Warehousing
- Country: United Kingdom
The International Centre to Centre Research Collaborations 2025 aims to fund UK-led projects in partnership with international researchers. The International Centre to Centre Research Collaborations 2025 is a funding opportunity provided by the Engineering and Physical Sciences Research Council (EPSRC), with an available total fund of £15 million. The initiative is open to UK research teams that were successful at the outline stage and invited to submit full applications. Projects should focus on collaboration with international researchers, with a maximum award of £1. 8 million (80% of the full economic cost, or FEC). The funding supports diverse consortia, including early-career researchers and industry partners where appropriate, to promote cutting-edge research across a 3-5 year period. The closing date for applications is April 8, 2025. The EPSRC encourages equality, diversity, and inclusion (EDI) in the research process, requiring applicants to submit specific EDI plans. Applicants must also ensure that the project scope and funding match the initial outline application. The collaboration should involve international partners, with contributions either in-kind or financial. The funding does not cover PhD studentships or equipment costs over £10,000 and emphasizes responsible innovation practices.
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### Expression of interest: ATI programme strategic batch, Jan 2025
- Published: 2025-01-03
- Modified: 2025-01-03
- URL: https://swoopfunding.com/grants-calendar/expression-of-interest-ati-programme-strategic-batch-jan-2025/
- Industry: Aerospace, Agritech, Automotive, Autonomous Vehicles, Biotech, Cybersecurity, Defense, Drones, Energy, Robotics, Technology, Transport Tech
- Country: United Kingdom
The ATI Programme supports UK aerospace research and infrastructure, boosting competitiveness with strategic funding for zero-emission and efficient technologies. The ATI Programme’s strategic batch competition aims to strengthen the UK civil aerospace sector by funding industrial research and research infrastructure projects. It is jointly managed by the Department for Business and Trade (DBT), Innovate UK, and the Aerospace Technology Institute (ATI), in alignment with the UK Aerospace Technology Strategy. The programme has received £975 million in government funding for the financial years 2025-2030. The competition consists of two phases. Phase 1 (Expression of Interest, or EoI) focuses on reviewing proposals, with no funding provided at this stage. If successful, applicants are invited to Phase 2, the Full Stage Application (FSA), where grant funding is awarded, subject to independent and policy reviews. This competition is for projects aiming to advance zero-carbon emission, ultra-efficient aircraft technologies, and enabling technologies for the aerospace sector, contributing to the UK’s global competitiveness. Projects must address priorities like propulsion, fuel cell technologies, and noise reduction. Funding limits vary, with industrial research projects capped at 60% of total costs and capital infrastructure projects up to 50%. The programme fosters innovation in civil aerospace, with a focus on environmental sustainability, energy efficiency, and non-CO2 emission reductions. The competition encourages applications from UK-based businesses, academic institutions, and other eligible organisations.
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### Scottish Election Study 2026 (invite only)
- Published: 2025-01-03
- Modified: 2025-01-03
- URL: https://swoopfunding.com/grants-calendar/scottish-election-study-2026-invite-only/
- Industry: Data Analytics/Data Science, Education, Government/public sector services, Professional scientific and technical services, Social Enterprise, Technology
- Country: United Kingdom
The Scottish Election Study 2026 invites eligible research organisations to apply for funding to conduct the study on Scotland's political behavior. The Scottish Election Study 2026 (SES) grant, funded by the Economic and Social Research Council (ESRC), offers a funding opportunity of up to £1. 5 million to support the data collection for the Scottish Parliament election in 2026. This study aims to provide high-quality, reliable data on voting behavior, attitudes, and political participation, with the goal of enhancing understanding of Scottish politics and its trends over time. The successful applicant must ensure continuity with past surveys while incorporating innovations in methodology. The data should be accessible and useful for both academic research and policy communities. This funding opportunity is invite-only, targeting research organizations rather than individuals, and emphasizes collaboration with other UK election studies for meaningful comparisons. The project will span approximately 60 months, aligning with the Scottish Parliament election cycle. Key activities include consultation with stakeholders, data dissemination, and engagement with political and policy actors. A strong focus is placed on building capacity in election studies and maintaining the SES as a trusted, impartial resource.
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### Welsh Election Study 2026
- Published: 2025-01-03
- Modified: 2025-01-03
- URL: https://swoopfunding.com/grants-calendar/welsh-election-study-2026/
- Industry: Data Analytics/Data Science, Educational services, Government/public sector services, Information and Cultural Industries, Professional scientific and technical services, Social Enterprise
- Country: United Kingdom
The Welsh Election Study 2026 grant offers £1. 25 million to research electoral behavior for the 2026 devolved elections. The Welsh Election Study (WES) 2026 grant is designed to fund a comprehensive academic study of Welsh political behavior, specifically focusing on voting patterns and political attitudes for the upcoming 2026 Senedd elections. The project, supported by the Economic and Social Research Council (ESRC), will enable the collection of high-quality, nationally representative data that will enhance understanding of electoral trends in Wales, contributing to long-term comparative research across the UK. The grant, worth £1. 25 million, will support the development and distribution of pre- and post-election surveys, and ensure that data is accessible to both academic and non-academic users, including policy makers and political practitioners. Proposals should incorporate innovative data collection methods, balancing continuity with previous surveys and introducing new research approaches. Collaboration with other UK and international election studies is encouraged, with an emphasis on maximizing data impact and promoting wide dissemination. The project will involve consultation with the academic and political communities to ensure the data meets their needs, and will require regular progress updates to ESRC. The study will also focus on fostering capacity building within the research community by expanding the team and offering networking opportunities. Overall, this funding aims to strengthen data infrastructure, enhancing the political understanding and research capabilities in Welsh and UK elections.
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### UKRI DRI: championing knowledge exchange for UK computational science (invite only)
- Published: 2025-01-03
- Modified: 2025-01-03
- URL: https://swoopfunding.com/grants-calendar/ukri-dri-championing-knowledge-exchange-for-uk-computational-science-invite-only/
- Industry: Artificial intelligence, Biotech, Cybersecurity, Data Analytics/Data Science, Deep Technology, Defense, Engineering, Govtech, IT, Life Sciences, Medtech, Professional scientific and technical services, Robotics, Technology
- Country: United Kingdom
The UKRI DRI grant supports a three-year knowledge exchange network promoting advanced computational science collaboration across diverse UK scientific communities. The UKRI DRI Knowledge Exchange and Communications (KEC) NetworkPlus grant, worth £1. 5 million, funds a three-year initiative to coordinate and enhance computational science knowledge exchange across UK research communities. It supports collaboration, showcases UK strengths globally, and broadens participation through workshops, stakeholder engagement, and public outreach. Eligible UK-based research organisations will lead the network, focusing on diversity, best practices, and global impact. Outputs include annual reports, a dedicated website, and events to unify and expand computational science advancements in the UK.
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### UKRI DRI: digital research infrastructure skills hubs for accelerated compute (invite only)
- Published: 2025-01-03
- Modified: 2025-01-03
- URL: https://swoopfunding.com/grants-calendar/ukri-dri-digital-research-infrastructure-skills-hubs-for-accelerated-compute-invite-only/
- Industry: Agritech, Artificial intelligence, Biotech, Cybersecurity, Data Analytics/Data Science, Deep Technology, Defense, Educational services, Engineering, Fintech, Govtech, Health care and social assistance, IT, Life Sciences, Medtech, Professional scientific and technical services, Renewable energy, Robotics, SaaS (Software as a Service), Technology
- Country: United Kingdom
UKRI DRI offers £6M for two hubs to advance digital research professionals' skills in accelerated computing, fostering UK innovation leadership. The UKRI Digital Research Infrastructure (DRI) Skills Hubs for Accelerated Compute initiative, with a total funding pool of £6 million, aims to establish two national hubs dedicated to enhancing the capabilities of Digital Research Technology Professionals (RTPs). The program, spanning three years, will focus on education, training, and career development to support computational science and accelerate research outcomes across the UK. The hubs will operate as centers of excellence, fostering innovation in advanced computational methodologies. They will address critical gaps in training and career pathways for professionals in roles such as research software engineers, data stewards, and systems administrators. The initiative's goals include developing a robust training curriculum, fostering a community of good practice, and advocating for the recognition of RTP careers nationally and internationally. Applicants must be based at UKRI-eligible research organizations and have been invited to apply after a successful outline application. Each hub's full economic cost can reach up to £3. 75 million, with UKRI funding 80% of these costs. The hubs will be required to deliver diverse activities, including secondments, hackathons, and national workshops, alongside developing sustainable operational models and fostering international collaboration. This grant opportunity underscores UKRI's commitment to building a resilient talent pipeline and maximizing the impact of the UK's computational research investments.
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### Experimental medicine: invited stage two application
- Published: 2025-01-03
- Modified: 2025-01-03
- URL: https://swoopfunding.com/grants-calendar/experimental-medicine-invited-stage-two-application-2/
- Industry: Age care tech, Artificial intelligence, Biotech, Deep Technology, Health care and social assistance, Life Sciences, Medtech, Professional scientific and technical services
- Country: United Kingdom
The Experimental Medicine: Invited Stage Two Application grant, funded by the Medical Research Council (MRC), offers a significant funding opportunity for research projects aiming to investigate the causes, progression, and treatment of human diseases. With a total fund of £10,000,000, the scheme supports projects emphasizing mechanistic hypotheses through experimental interventions in humans. Researchers must be invited to apply following a successful stage one application. Key details of the grant include: Opening Date: 14 January 2025, 9:00 am (UK time) Closing Date: 12 March 2025, 4:00 pm (UK time) Funding Coverage: 80% of the full economic cost and 100% of specific permitted exceptions Project Duration: No time limit, but justified in the context of proposed work Eligible projects should aim to fill gaps in understanding human pathophysiology, providing clear paths to clinical impact. Areas of focus include but are not limited to interventions such as pharmacological, immunological, physiological, psychological, or infectious challenges. The scope excludes clinical efficacy trials, biomarker discovery, and pre-clinical model development. The funding supports costs like salaries, research consumables, equipment, travel, and data dissemination. Collaboration is encouraged, including international researchers as project co-leads, provided their contributions enhance the project’s intellectual and practical outcomes. Competitive applications must outline SMART milestones and provide robust rationales for their hypotheses and methods. This grant fosters equality, diversity, and inclusion, emphasizing support for diverse working patterns and career development. Researchers are encouraged to contact MRC to ensure project alignment with grant objectives before submission.
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### Particle Physics Theory Consolidated Grants 2025
- Published: 2024-12-12
- Modified: 2024-12-12
- URL: https://swoopfunding.com/grants-calendar/particle-physics-theory-consolidated-grants-2025/
- Industry: Artificial intelligence, Data Analytics/Data Science, Deep Technology, Education, Government/public sector services, Professional scientific and technical services, Sci & Tech Activities, Technology
- Country: United Kingdom
The Particle Physics Theory Consolidated Grants 2025 supports UK researchers in advancing theoretical particle physics through collaboration and innovation. The Particle Physics Theory Consolidated Grants 2025 is an upcoming funding opportunity from the Science and Technology Facilities Council (STFC), designed to support cutting-edge theoretical research in particle physics. This funding initiative aims to empower researchers in UK-based eligible institutions to pursue collaborative and impactful projects within the particle physics theory remit. Applications open on 17 December 2024 and close on 19 February 2025. This consolidated grant scheme operates on a four-year cycle and will fund successful projects from 1 October 2026 to 30 September 2030. Applicants can request funding for up to 80% of the full economic cost (FEC) of their research. The grant encourages diverse participation and inclusivity, offering flexibility for researchers with varied personal circumstances, such as career breaks or caring responsibilities. Key aspects of the program include its focus on fostering collaborative efforts, either within a single institution or as a consortium of groups from multiple institutions working on a defined research area. Applicants are encouraged to base their proposals on realistic needs, reflecting their current research awards. STFC aligns its funding principles with broader initiatives like the Concordat to Support the Career Development of Researchers, ensuring long-term skill development within the scientific community. Furthermore, proposals must adhere to Trusted Research and Innovation (TR&I) principles, safeguarding international collaborations through ethical practices and risk management. This opportunity represents a vital platform for advancing theoretical particle physics while promoting...
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### AHRC responsive mode: UKRI NSF-SBE lead agency
- Published: 2024-12-12
- Modified: 2024-12-12
- URL: https://swoopfunding.com/grants-calendar/ahrc-responsive-mode-ukri-nsf-sbe-lead-agency/
- Industry: Arts & entertainment and recreation, Creative, Education, Educational services, Film, Information and Cultural Industries, Media, Print/publishing, Professional scientific and technical services, Social Enterprise
- Country: The United States, United Kingdom
The AHRC-NSF collaboration fosters innovative UK-US research partnerships in arts, humanities, and social sciences, offering grants up to £1. 5 million. The AHRC Responsive Mode: UKRI NSF-SBE Lead Agency funding opportunity supports collaborative research between UK and US researchers in the fields of arts, humanities, and social sciences. This grant is jointly funded by the Arts and Humanities Research Council (AHRC) and the US National Science Foundation, Social, Behavioural and Economic Sciences Directorate (NSF-SBE). Eligible applicants include postdoctoral researchers based at UK institutions and their US counterparts. UK applicants must align with AHRC’s research grant criteria, while US participants must secure institutional support confirming NSF-SBE eligibility. International project co-leads from non-UK and non-US institutions may also participate under AHRC’s policies.
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### AHRC responsive mode: working with Brazilian researchers
- Published: 2024-12-12
- Modified: 2024-12-12
- URL: https://swoopfunding.com/grants-calendar/ahrc-responsive-mode-working-with-brazilian-researchers/
- Industry: Arts & entertainment and recreation, Creative, Educational services, Social Enterprise
- Country: United Kingdom
This grant enables UK and São Paulo researchers to collaborate on arts and humanities projects, fostering innovation, career growth, and international partnerships. The AHRC Responsive Mode grant, in partnership with the State of São Paulo Research Foundation (FAPESP), supports collaborative research projects in the arts and humanities. Open to eligible UK researchers and institutions in São Paulo, this grant emphasises international cooperation, interdisciplinary work, and impactful research outcomes. With funding ranging from £300,000 to £1. 5 million (80% funded by AHRC for UK-based activities), the initiative ensures comprehensive coverage for Brazilian researchers through FAPESP. Projects can span up to five years, promoting knowledge exchange, career development, and integration of diverse research methodologies. Applications are open-ended and encourage cross-sectoral collaborations.
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### AHRC responsive mode: collaborate with researchers in Luxembourg
- Published: 2024-12-12
- Modified: 2024-12-12
- URL: https://swoopfunding.com/grants-calendar/ahrc-responsive-mode-collaborate-with-researchers-in-luxembourg/
- Industry: Arts & entertainment and recreation, Creative, Education, Educational services, Film, Information and Cultural Industries, Media, Print/publishing, Professional scientific and technical services
- Country: Luxembourg, United Kingdom
Researchers in the UK and Luxembourg can collaboratively apply for funding to enhance arts and humanities research projects, promoting interdisciplinary innovation. The AHRC Responsive Mode grant, in collaboration with the Fonds National de la Recherche (FNR) in Luxembourg, provides an opportunity for UK-based and Luxembourg-based researchers to engage in transformative, interdisciplinary arts and humanities projects. This funding scheme aims to foster international collaborations, enabling researchers to establish or enhance partnerships that bridge diverse fields, institutions, and countries. Projects can be hosted by any eligible UK research organisation and involve Luxembourg partners from FNR-authorised institutions, ensuring a robust transnational research network. The grants range from £300,000 to £1. 5 million for the UK component, with AHRC covering 80% of the Full Economic Cost (FEC). Luxembourg's portion of the funding is managed by FNR and adheres to its guidelines. This funding model allows for flexibility in budget distribution, reflecting local cost variations. Applicants are encouraged to design projects that promote knowledge exchange, engage early-career researchers, and address real-world challenges. Proposals may involve cross-disciplinary efforts, with the arts and humanities element taking the lead in shaping research questions and methodologies. The grant also supports project co-leads from non-UK institutions under specific conditions. Projects can span up to five years, offering ample time for impactful collaborations. The initiative underscores equality, diversity, and inclusion, accommodating flexible working arrangements to support researchers’ varying needs. Trusted Research and Innovation (TR&I) principles are integral to the scheme, ensuring ethical, secure international collaboration. This grant invites bold, innovative proposals...
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### Developmental pathway funding scheme: invited stage two
- Published: 2024-12-12
- Modified: 2024-12-12
- URL: https://swoopfunding.com/grants-calendar/developmental-pathway-funding-scheme-invited-stage-two-2/
- Industry: Age care tech, Artificial intelligence, Biotech, Deep Technology, Health care and social assistance, Life Sciences, Medtech, Professional scientific and technical services, SaaS (Software as a Service), Technology
- Country: United Kingdom
The Developmental Pathway Funding Scheme supports innovative therapeutics, devices, and diagnostics from early development to clinical trials, fostering global healthcare improvements. The Developmental Pathway Funding Scheme (DPFS) is a prestigious grant opportunity funded by the Medical Research Council (MRC), offering a total pool of £30,000,000 to advance groundbreaking healthcare innovations. Open to invited applicants progressing from a successful Stage One application, the scheme encourages projects that address significant health challenges through the development of novel therapeutics, medical devices, diagnostics, and other impactful interventions. Eligible projects span the entire developmental pipeline, from early-stage conceptual work to pre-clinical testing and up to Phase 2a clinical trials. Applications may encompass diverse fields, such as gene and cell therapies, medical imaging, AI-driven healthcare tools, and behavioral interventions, with global health-focused proposals also welcomed. Collaborations with international researchers, industry, or charities are encouraged to enhance project value and outcomes. Key funding considerations include milestone-driven project plans, adherence to equality and diversity principles, and alignment with UKRI's Trusted Research and Innovation (TR&I) frameworks. While there is no fixed funding cap, the grant covers 80% of project costs and 100% of permitted exceptions, with clear justification required for resource allocation. Applications must demonstrate team capability, scientific rigor, and potential for significant health impact. This scheme supports flexible career arrangements and encourages applications that embrace inclusive research practices, fostering diverse participation in transformative medical research.
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### AHRC responsive mode: standard research grant
- Published: 2024-12-11
- Modified: 2024-12-11
- URL: https://swoopfunding.com/grants-calendar/ahrc-responsive-mode-standard-research-grant/
- Industry: Arts & entertainment and recreation, Creative, Educational services, Film, Information and Cultural Industries, Media, Print/publishing, Social Enterprise
- Country: United Kingdom
The AHRC Standard Research Grant supports collaborative arts and humanities projects, offering £300,000–£1. 5 million for impactful research over five years. The AHRC Responsive Mode: Standard Research Grant is an open funding opportunity provided by the Arts and Humanities Research Council (AHRC) to support well-defined collaborative research projects within the arts and humanities disciplines. The funding aims to foster partnerships among researchers, practitioners, and various organisations, encouraging cross-disciplinary and international collaboration.
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### Critical mass programmes to drive a sustainable future
- Published: 2024-12-11
- Modified: 2024-12-11
- URL: https://swoopfunding.com/grants-calendar/critical-mass-programmes-to-drive-a-sustainable-future/
- Industry: Agriculture & forestry & fishing & hunting, Agritech, Artificial intelligence, Automotive, Autonomous Vehicles, Biotech, Data Analytics/Data Science, Energy, Engineering, IT, Life Sciences, Manufacturing, Professional scientific and technical services, Renewable energy, Sustainability, Transportation Services and Warehousing
- Country: United Kingdom
The EPSRC grant supports transformative, transdisciplinary research for sustainable technologies, focusing on clean energy, circular materials, and interseasonal energy storage. The Engineering and Physical Sciences Research Council (EPSRC) invites applications for its Critical Mass Programmes to Drive a Sustainable Future grant. With a total fund of £22,725,000 and a maximum award of £5,718,750 per project, this opportunity targets five-year programmes that advance the UK’s transition to sustainable, net-zero technologies and operations. Applications open on 7 January 2025, with a closing deadline on 4 March 2025. The funding aims to address key challenges, such as clean energy, circular materials, and innovative interseasonal energy storage (IES) solutions beyond hydrogen. Proposals must adopt a systems approach, ensuring comprehensive consideration of social, environmental, and economic impacts, while embedding environmental sustainability principles throughout. Successful programmes will drive novel, high-impact research and foster collaboration between academia, industry, policymakers, and the third sector. They will support UK-wide leadership, interdisciplinary teamwork, and EDI (equality, diversity, and inclusion). A portion of funds—£9 million—is specifically allocated for projects focusing on IES. EPSRC will contribute 80% of the full economic cost (FEC) of eligible programmes. Applicants must submit an Expression of Interest (EoI) to qualify for the full application stage. Programmes will be assessed on their innovative potential, collaboration strength, alignment with EPSRC’s remit, and capacity to deliver UK prosperity and environmental benefits beyond 2030.
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### UKRI Creating Opportunities Evaluation Development follow-on fund
- Published: 2024-12-11
- Modified: 2024-12-11
- URL: https://swoopfunding.com/grants-calendar/ukri-creating-opportunities-evaluation-development-follow-on-fund/
- Industry: Age care services, Arts & entertainment and recreation, Creative, Educational services, Funded primary and secondary schools, Government/public sector services, Health care and social assistance, Life Sciences, Medtech, Professional scientific and technical services, Social Enterprise
- Country: United Kingdom
UKRI’s follow-on fund invites EDF awardees to expand evaluations, addressing disparities across UK regions with interdisciplinary collaboration. The UKRI Creating Opportunities Evaluation Development Follow-on Fund is an invite-only funding opportunity designed to build upon the foundational work established by recipients of the Evaluation Development Fund (EDF) awards. With a total funding pool of £1. 5 million, this grant supports projects costing between £100,000 and £300,000 (80% of full economic costs covered). Eligible UK-based research organizations with existing EDF awards can apply to undertake further evaluation and/or impact enhancement activities aimed at reducing disparities and fostering opportunities across various UK regions. This initiative aligns with UKRI’s "Creating Opportunities, Improving Outcomes" strategic theme, emphasizing the generation and application of robust causal evidence to drive equitable outcomes. Applicants can explore extensions of prior studies, data collection, and interdisciplinary collaborations to strengthen evidence-based policymaking. Impact enhancement activities, including community engagement and knowledge mobilization, are highly encouraged. Applications must articulate a clear rationale for their geographical focus and demonstrate how activities will address place-based inequalities. Projects should include equitable partnerships and comply with ethical and data transparency standards, with results published within 24 months post-completion. This funding cannot cover intervention delivery but supports evaluation, research costs, and dissemination activities, ensuring actionable insights for societal benefit.
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### Heritage Enterprise Grants
- Published: 2024-12-06
- Modified: 2024-12-06
- URL: https://swoopfunding.com/grants-calendar/heritage-enterprise-grants/
- Industry: Arts & entertainment and recreation, Construction, Information and Cultural Industries, Property, Renewable energy, Social Enterprise, Sustainability
- Country: United Kingdom
Heritage Enterprise Grants provide funding from £250,000 to £5 million to revitalize historic sites, fostering economic growth and community collaboration. The Heritage Enterprise Grants program offers funding between £250,000 and £5 million to support the regeneration of historic sites in the UK. Aimed at enterprising community and commercial organizations, the initiative focuses on rescuing neglected heritage buildings and returning them to productive use. By addressing the conservation deficit (the gap between the cost of restoring a building and its post-development value), the program encourages private sector involvement in heritage projects. Successful applications demonstrate how investing in heritage can drive economic growth while preserving cultural assets. Applicants must consider four key investment principles: saving heritage, protecting the environment, ensuring inclusion, and organizational sustainability. The application process consists of two phases, starting with submitting an Expression of Interest to gauge eligibility. The program prioritizes projects that generate a long-term economic impact, often requiring partnerships between for-profit and not-for-profit organizations.
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### National Lottery Heritage Grants
- Published: 2024-12-06
- Modified: 2024-12-06
- URL: https://swoopfunding.com/grants-calendar/national-lottery-heritage-grants/
- Industry: Agriculture & forestry & fishing & hunting, Arts & entertainment and recreation, Creative, Education, Engineering, Government/public sector services, Media, Social Enterprise, Sustainability
- Country: United Kingdom
The National Lottery Heritage Grants provide funding from £10,000 to £250,000 for projects preserving UK heritage and communities. The National Lottery Heritage Grants fund heritage-related projects across the UK, offering financial support ranging from £10,000 to £250,000. These grants are designed to help sustain and protect the nation’s diverse heritage, including nature, historical sites, cultural traditions, and memories, ensuring they can be passed on to future generations. The grants support various activities such as conservation work, volunteer expenses, new staff posts, and educational events. Applicants must be not-for-profit organizations, private owners of heritage assets, or partnerships, and projects should focus on UK heritage and align with the fund’s four core investment principles: saving heritage, protecting the environment, promoting inclusion and participation, and ensuring organizational sustainability. Applicants must submit a project plan, risk register, and financial documents, and follow a structured process to apply. The grant is awarded in stages, with progress reports and evaluation required to ensure successful implementation. There are no deadlines, and applications can be made at any time, with decisions usually made within eight weeks.
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### National Lottery Grants for Heritage
- Published: 2024-12-06
- Modified: 2024-12-06
- URL: https://swoopfunding.com/grants-calendar/national-lottery-grants-for-heritage/
- Industry: Arts & entertainment and recreation, Information and Cultural Industries, Social Enterprise, Sustainability
- Country: United Kingdom
This grant supports heritage projects, addressing resilience and inclusion, helping organisations recover from COVID-19 and enhance community engagement. The National Lottery Grants for Heritage, ranging from £3,000 to £10,000, is designed to support organizations focused on heritage recovery and inclusion. Applicants are required to follow specific guidelines when filling out the online form, ensuring their project addresses critical issues like resilience, community engagement, and financial sustainability. The process starts with registration on the National Lottery Heritage Fund portal, after which the project title should follow the prescribed format (e. g. , NL20: Saving the heritage of Newtown for the future). A key part of the application is describing how the project will help the organization recover from the impacts of COVID-19. Applicants must discuss how their project will address both immediate needs and longer-term sustainability. This includes plans for resilience, such as developing new ways of operating and reopening safely during social distancing. The application also asks for details about other emergency funding sources the organization has applied for and what steps have been taken to support resilience so far. Moreover, applicants are encouraged to explain how the project will help engage a wider audience with heritage in the future, ensuring the recovery leads to long-lasting positive changes. The application requires a clear and concise project description, focusing on the expected outcomes, and applicants can provide additional supporting documents for more detailed information. This funding aims to empower organizations to adapt, thrive, and expand their reach despite the challenges posed...
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### England Woodland Creation Offer
- Published: 2024-12-06
- Modified: 2024-12-06
- URL: https://swoopfunding.com/grants-calendar/england-woodland-creation-offer/
- Industry: Agriculture & forestry & fishing & hunting, Agritech, Energy, Government/public sector services, Renewable energy, Sustainability, Technology
- Country: United Kingdom
The England Woodland Creation Offer supports landowners and managers to create new woodlands, with financial incentives for environmental benefits. The England Woodland Creation Offer (EWCO) is a grant program aimed at supporting landowners, managers, and public bodies in England to create new woodlands, including through natural colonization, with a minimum size requirement of 1 hectare. Applicants can receive up to £10,200 per hectare, with additional stackable payments up to £12,700 for projects delivering wider environmental and societal benefits, such as nature recovery and flood risk management. EWCO provides funding for the establishment of new woodlands, including the cost of trees, maintenance, infrastructure, and public access. Additional contributions are available for woodlands that benefit public interests, including nature restoration, water quality improvement, and recreational access. The program also includes opportunities to earn extra income by selling carbon credits through the Woodland Carbon Code. Applicants must follow a step-by-step process, including eligibility checks, registration, and submission of a detailed application. There is also a focus on biosecurity, requiring tree sourcing from certified suppliers to prevent disease threats. Through this initiative, the Forestry Commission helps landowners navigate the process, with the potential for long-term environmental and economic benefits.
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### Woodland Creation Planning Grant
- Published: 2024-12-06
- Modified: 2024-12-06
- URL: https://swoopfunding.com/grants-calendar/woodland-creation-planning-grant/
- Industry: Agriculture & forestry & fishing & hunting, Agritech, Renewable energy, Sustainability
- Country: United Kingdom
The Woodland Creation Planning Grant helps landowners and managers design plans for creating woodland, with funding for each stage. The Woodland Creation Planning Grant (WCPG) offers funding for the preparation of a woodland creation design plan. It supports landowners, land managers, and public bodies (excluding Forestry England) in England who wish to develop proposals for new woodlands. The process consists of two stages: Stage 1 provides a fixed payment of £1,500 for a desk-based exercise to assess potential constraints and opportunities on the proposed site. If the site is deemed suitable, Stage 2 offers additional funding at £150 per hectare to complete a detailed design plan, which includes a site appraisal map, design concept, and a draft woodland creation plan compliant with the UK Forestry Standard (UKFS). The total funding cap for each project is £30,500, with supplementary payments available for specialized surveys (e. g. , peat depth or archaeological surveys). Eligibility requires a proposed woodland area of at least 5 hectares and must follow specific guidelines, including stakeholder consultation and environmental assessments. The application process includes completing the relevant forms, obtaining a signed agreement, and complying with environmental regulations.
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### CAM pathfinder one, feasibility studies
- Published: 2024-12-06
- Modified: 2024-12-06
- URL: https://swoopfunding.com/grants-calendar/cam-pathfinder-one-feasibility-studies/
- Industry: Artificial intelligence, Automotive, Autonomous Vehicles, Data Analytics/Data Science, Engineering, Manufacturing, Robotics, Technology, Transport Tech, Transportation Services and Warehousing
- Country: United Kingdom
UK organizations can apply for up to £2 million for feasibility studies advancing early commercial connected and automated mobility opportunities. The Centre for Connected and Autonomous Vehicles (CCAV) and Innovate UK are offering up to £2 million in funding for feasibility studies to support early commercial connected and automated mobility (CAM) opportunities. This competition, targeting UK registered organizations, encourages the exploration of solutions that address barriers in adopting CAM services, such as overcoming the need for safety drivers, evaluating technical feasibility, or creating business cases for CAM technologies. Proposals should focus on strengthening the UK supply chain and advancing key technological gaps. The funding supports projects ranging from £50,000 to £250,000 and spans a duration of 3 to 11 months. Eligible applicants can include businesses, public sector organizations, academic institutions, and research organizations, collaborating in diverse teams. The competition has three main themes: vehicle platform and technology development, overcoming adoption barriers, and enabling near-term CAM services. Specific research categories and limitations apply, with an emphasis on realistic, practical applications that can be deployed within the UK.
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### UKRI Creating opportunities: rethinking economic (in)activity
- Published: 2024-12-05
- Modified: 2024-12-05
- URL: https://swoopfunding.com/grants-calendar/ukri-creating-opportunities-rethinking-economic-inactivity/
- Industry: Age care services, Biotech, Government/public sector services, Health care and social assistance, Life Sciences, Medtech
- Country: United Kingdom
The UKRI grant seeks interdisciplinary projects to support economic activity in areas impacted by ill-health, disability, and caregiving. The UK Research and Innovation (UKRI) funding opportunity titled "Creating Opportunities: Rethinking Economic (In)activity" aims to address the challenges of economic inactivity in regions of the UK heavily affected by ill-health, disability, and informal caregiving. With a total fund of £1. 2 million, this interdisciplinary grant invites research proposals that explore ways to foster sustainable economic activity in these areas, focusing on the interactions between place, health, and social structures. Successful projects will investigate local economic conditions, effective support mechanisms for those facing health or caregiving barriers, and strategies for policy improvement. Collaboration with non-academic partners is encouraged, as is engagement with communities affected by these issues. The project must be completed within 24 months, starting by January 12, 2026.
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### Scotland's Heat Network Fund
- Published: 2024-11-28
- Modified: 2024-11-28
- URL: https://swoopfunding.com/grants-calendar/scotlands-heat-network-fund/
- Industry: Construction, Energy, Government/public sector services, Health care and social assistance, Property, Renewable energy, Social Enterprise, Sustainability, Technology, Utilities
- Country: Scotland
Scotland's Heat Network Fund offers grants to support the development of zero-emission district heating systems and communal networks. Scotland’s Heat Network Fund (SHNF) offers capital grants to businesses, public, private, and third-sector organizations aiming to develop heat network projects in Scotland. The fund focuses on supporting the establishment, expansion, and decarbonization of low- or zero-emission district heat networks and communal heating systems. The goal is to reduce greenhouse gas emissions, alleviate fuel poverty, and enable a transition to sustainable energy sources by leveraging Scotland’s renewable energy capabilities. Eligible projects must meet specific criteria, such as being located in Scotland, contributing to the country’s zero direct emissions heat targets, and demonstrating social and economic benefits. The fund is available to a variety of applicants, including enterprises, local authorities, community groups, social enterprises, and academic institutions. Successful applications can receive up to 50% of eligible capital costs for commercialization and construction, with funding support considered on a case-by-case basis depending on project needs. The application process involves an expression of interest followed by a full application, and projects must be completed and funded by March 2026. However, applicants must ensure that funding does not cover costs incurred before the formal grant offer letter is signed. SHNF also encourages co-funding, facilitating risk-sharing between the Scottish Government and other financial backers. This initiative aligns with Scotland's broader energy strategy, aiming to create a more flexible, secure, and sustainable energy future through the development of heat networks.
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### Workplace Charging Scheme for state-funded education institutions
- Published: 2024-11-27
- Modified: 2024-11-27
- URL: https://swoopfunding.com/grants-calendar/workplace-charging-scheme-for-state-funded-education-institutions/
- Industry: Educational services, Funded primary and secondary schools, Government/public sector services
- Country: United Kingdom
The Workplace Charging Scheme supports state-funded education institutions in installing electric vehicle chargepoints, offering significant financial assistance and promoting sustainable travel practices. The Workplace Charging Scheme for State-Funded Education Institutions is a grant initiative designed to advance the adoption of electric vehicle (EV) infrastructure within educational settings. Open from February 5, 2024, to March 31, 2025, this scheme provides substantial funding for state-funded schools and educational institutions in England, Scotland, Wales, and Northern Ireland to install EV chargepoints. Independent schools can access funding under a different scheme, while institutions in the Channel Islands and the Isle of Man are excluded from eligibility. Eligible applicants can receive up to 75% of the costs for the purchase and installation of chargepoints, capped at £2,500 per socket and a maximum of 40 sockets across all sites. Applications can include previous installations under the Workplace Charging Scheme, and successful applicants are issued a voucher valid for 180 days, during which installations must be completed by an authorised installer. Applicants must demonstrate a current or anticipated need for EV charging, possess designated off-street parking linked to their premises, and ensure the installation complies with the Public Chargepoint Regulations 2023 and commercial chargepoint specifications if made accessible to the public. Academy trusts can apply for the full allowance for each school under their administration. This grant aligns with broader sustainability goals, encouraging schools to integrate EV infrastructure as part of comprehensive plans for environmentally conscious transportation, including active travel and public transit. By reducing financial barriers,...
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### Prosperity partnerships: advanced therapies safety and toxicity
- Published: 2024-11-27
- Modified: 2024-11-27
- URL: https://swoopfunding.com/grants-calendar/prosperity-partnerships-advanced-therapies-safety-and-toxicity/
- Industry: Biotech, Health care and social assistance, Life Sciences, Medtech, Professional scientific and technical services, Sci & Tech Activities
- Country: United Kingdom
The Prosperity Partnerships grant fosters UK-based academic-business collaborations addressing safety, toxicity, and standards for transformative advanced therapies over five years. The Prosperity Partnerships: Advanced Therapies Safety and Toxicity Grant, funded by the Medical Research Council (MRC), provides a total fund of £10. 5 million to support co-developed research partnerships between academia and businesses within the UK. Grants range from £2 million to £4 million for academic costs at 80% Full Economic Cost (FEC), with matched financial and in-kind contributions required from business partners. Projects must focus on understanding and mitigating the safety and toxicity risks associated with advanced therapies (ATs), such as cell and gene therapies, regenerative medicine, and nucleic acid therapies. The programme seeks to develop tools, assays, and resources for better safety assessments, aiming to address critical issues like immune reactions, off-target effects, and long-term adverse outcomes. Research must align with at least one key challenge area: mechanisms of AT safety, in vivo persistence and distribution, or translating insights into standardized safety assessment tools. Applications must demonstrate robust academic-business collaborations, mutual intellectual contributions, and a strategic vision for advancing regulatory standards and training in toxicology. With durations of up to five years, this initiative intends to establish a cohesive UK network for advancing the safe development and clinical translation of innovative therapies.
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### India – UK Collaborative R&D for industrial sustainability, round 2
- Published: 2024-11-27
- Modified: 2024-11-27
- URL: https://swoopfunding.com/grants-calendar/india-uk-collaborative-rd-for-industrial-sustainability-round-2/
- Industry: Agritech, Automotive, Biotech, Construction, Energy, Health care and social assistance, IT, Manufacturing, Medtech, Renewable energy, SaaS (Software as a Service), Sustainability, Technology, Transport Tech, Utilities
- Country: India, United Kingdom
The India-UK Collaborative R&D Grant fosters innovative partnerships to develop net-zero technologies through bilateral collaboration in industrial sustainability projects. The India-UK Collaborative R&D for Industrial Sustainability Round 2 grant is a prestigious funding initiative aimed at advancing industrial innovation and sustainability through collaboration between UK and Indian organisations. With up to £2 million in grants available, this program seeks to promote the development of net-zero technologies, fostering solutions in areas such as advanced materials, decarbonized manufacturing, renewable energy, energy storage, and sustainable mobility. Eligible UK organisations must collaborate with at least one Indian business registered under India’s Technology Development Board (TDB) program, ensuring genuine cross-border synergy. Projects must demonstrate balanced technological contributions from both nations, a strong commercialisation plan, and significant economic impact for the UK and India. Grants are allocated based on competitive assessment and must comply with Subsidy Control regulations. Each project should range between £100,000 to £300,000 for the UK side and last 6-18 months, beginning by September 2025. Applications are managed via Innovate UK's Innovation Funding Service (IFS), while Indian partners apply separately to the TDB. This round underscores the importance of bilateral innovation, offering a transformative opportunity for businesses committed to sustainable development.
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### Expression of interest: Experimental medicine to define new mechanisms of neurodegeneration
- Published: 2024-11-27
- Modified: 2024-11-27
- URL: https://swoopfunding.com/grants-calendar/expression-of-interest-experimental-medicine-to-define-new-mechanisms-of-neurodegeneration/
- Industry: Age care tech, Artificial intelligence, Biotech, Deep Technology, Government/public sector services, Health care and social assistance, Life Sciences, Medtech, Professional scientific and technical services, Sci & Tech Activities
- Country: United Kingdom
The £18 million MRC grant supports experimental medicine projects investigating neurodegeneration mechanisms, fostering industry partnerships and clinical impact research. The Medical Research Council (MRC) has announced a funding opportunity aimed at advancing experimental medicine research to uncover mechanisms underlying neurodegenerative diseases, particularly those leading to dementia. With a total fund of £18 million and individual awards of up to £5 million, the grant supports projects with durations of up to five years. Successful applications must include experimental interventions in humans and demonstrate strong industry partnerships to address mechanistic hypotheses with high clinical potential. Eligible UK-based researchers must anchor their projects in understanding disease pathways, identifying biomarkers, and stratifying disease subtypes. High-risk, high-reward studies are encouraged, particularly those focusing on early-stage neurodegeneration, underrepresented populations, or utilizing innovative tools and methodologies. Collaboration with existing resources, such as Dementias Platform UK or the UK Biobank, is highly recommended. Industry engagement is essential, and projects must align with the MRC’s commitment to equality, diversity, and inclusion. Applications close on January 22, 2025, at 4:00 PM UK time, with funding covering 80% of project costs. Researchers are encouraged to structure proposals around clear milestones and SMART criteria to ensure focused progress and impactful outcomes.
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### Collaborative R&D: Creative Catalyst
- Published: 2024-11-27
- Modified: 2024-11-27
- URL: https://swoopfunding.com/grants-calendar/collaborative-rd-creative-catalyst/
- Industry: Arts & entertainment and recreation, Creative, Fashion and accessories, Film, Marketing Services, Media, Print/publishing
- Country: United Kingdom
Innovate UK offers £2 million in grants to foster innovative tools, products, and collaborations that enhance the UK creative industries. The Creative Catalyst Collaborative R&D Funding Competition, administered by Innovate UK, provides a total of £2 million in grants to support innovative projects aimed at strengthening the UK creative economy. UK-registered micro or small businesses within the creative industries are invited to apply for funding, which ranges from £150,000 to £200,000 per project. Eligible projects must demonstrate clear innovation, market readiness within 12 months post-completion, and a significant economic impact. Applicants are encouraged to collaborate with other UK-based organizations, including businesses, charities, academic institutions, and public sector entities, ensuring a diverse and regional portfolio of innovations. Priority areas include sustainability in the screen sector, music innovation, VFX advancements, copyright management, and modernizing traditional crafts. Applications are assessed competitively and must adhere to subsidy regulations, with successful projects requiring completion between July 1, 2025, and March 31, 2026. This initiative seeks to drive creativity, new revenue streams, and economic growth, with emphasis on ambitious ideas addressing industry challenges.
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### Developmental pathway funding scheme: stage one
- Published: 2024-11-27
- Modified: 2024-11-27
- URL: https://swoopfunding.com/grants-calendar/developmental-pathway-funding-scheme-stage-one-2/
- Industry: Artificial intelligence, Biotech, Data Analytics/Data Science, Energy, Health care and social assistance, Life Sciences, Medtech, Renewable energy, Robotics, SaaS (Software as a Service), Technology
- Country: United Kingdom
The Developmental Pathway Funding Scheme supports novel therapeutics, diagnostics, and medical devices, with up to £30 million available. The Developmental Pathway Funding Scheme: Stage One, offered by the Medical Research Council (MRC), provides funding for early-stage translational research, with a focus on novel therapeutics, medical devices, diagnostics, and other health interventions. Open to UK-based researchers from eligible institutions, the program encourages projects that address significant health needs, improve disease prevention, diagnosis, or treatment, and advance medical tools and technologies. Projects can span various stages, from early development to early-phase clinical trials (up to Phase 2a). Funding covers 80% of the project’s full economic cost, and there is no set limit on the amount requested, though it must be appropriate to the scope of the project. The opportunity encourages diversity in applicants, and international collaborations are welcome with specific guidelines on funding and contributions. Key support areas include salary contributions, research costs, and international collaboration costs, with funding rounds closing every March, July, and November.
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### Astronomy solar and planetary studies small awards 2025
- Published: 2024-11-27
- Modified: 2024-11-27
- URL: https://swoopfunding.com/grants-calendar/astronomy-solar-and-planetary-studies-small-awards-2025/
- Industry: Aerospace, Artificial intelligence, Data Analytics/Data Science, Deep Technology, Sci & Tech Activities, Technology
- Country: United Kingdom
This upcoming grant supports solar system science, including theory, modeling, technology, and observation for up to three years. The Astronomy Solar and Planetary Studies Small Awards 2025 grant, funded by the Science and Technology Facilities Council (STFC), is designed to support research on various aspects of solar system science. This funding opportunity, which opens on 11 December 2024 and closes on 4 March 2025, targets research in areas such as solar physics, heliospheric physics, planetary science, and space-based terrestrial magnetospheric science. Applications can cover theoretical research, including modeling and simulation, observational studies, experiments, and new technology development. Eligible applicants must be based at a UK research organisation that qualifies for UK Research and Innovation (UKRI) funding. The grant offers up to three years of research funding, beginning in April 2026. It provides 80% of the full economic cost, with a maximum request for one full-time equivalent (FTE) research associate (RIA) for technical or lab-based projects, and up to 0. 20 FTE for the project lead and other applicants. The funding is intended for single-project studies and does not cover larger, multi-project applications. Research areas of focus include the study of solar system bodies (e. g. , comets, asteroids), laboratory studies of solar system materials, and blue sky technology development in space instrumentation. The grant will not support space weather research concerning Earth’s environment, Mars exploration, or projects exceeding Technology Readiness Level (TRL) 4. Applicants are encouraged to consider the eligibility requirements carefully and contact STFC if they have questions regarding...
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### Astronomy observation and theory small awards 2025
- Published: 2024-11-27
- Modified: 2024-11-27
- URL: https://swoopfunding.com/grants-calendar/astronomy-observation-and-theory-small-awards-2025/
- Industry: Aerospace, Artificial intelligence, Data Analytics/Data Science, Deep Technology, Engineering, Life Sciences, Sci & Tech Activities, Technology
- Country: United Kingdom
The Astronomy Observation and Theory Small Awards 2025 fund research on astronomy, astrophysics, observation, theory, and technology development. The Astronomy Observation and Theory Small Awards 2025 offer grants for research in theoretical and observational astronomy, focusing on areas like stellar physics, galactic astronomy, extra-galactic research, cosmology, and related technologies. Applications are welcomed from UK-based researchers, either individual or in consortiums, for projects that involve simulations, modeling, experiments, and new technology development related to astronomy beyond our solar system. The awards fund up to 80% of the full economic cost for projects lasting up to three years, starting April 1, 2026. Eligible applicants must meet UK Research and Innovation (UKRI) criteria, and projects should follow the specified funding guidelines for research associates, applicants, and technicians. Additionally, projects involving blue skies technology and laboratory astrophysics are encouraged, with clear justifications required for resource requests like travel, equipment, and personnel support.
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### Opening up the Environment 2025
- Published: 2024-11-27
- Modified: 2024-11-27
- URL: https://swoopfunding.com/grants-calendar/opening-up-the-environment-2025/
- Industry: Agriculture & forestry & fishing & hunting, Biotech, Educational services, Life Sciences, Medtech, Professional scientific and technical services, Renewable energy, Social Enterprise, Sustainability, Technology
- Country: United Kingdom
The Opening up the Environment 2025 grant fosters diversity by funding partnerships that broaden talent pipelines and skillsets in environmental sciences. The Opening up the Environment 2025 initiative by the Natural Environment Research Council (NERC) is a competitive funding opportunity aiming to promote diversity and inclusion within the environmental science sector. With a total fund of £1,000,000 and a maximum award of £62,500 per project, the grant is designed to support innovative projects that enhance representation across the research community. Eligible applicants include UK-based research organizations and individuals who meet NERC’s criteria, with additional opportunities for multidisciplinary teams and early-career researchers. Projects must be completed within a nine-month duration, starting by July 2025 and ending by March 2026. This funding prioritizes the development of equitable partnerships and actionable strategies to attract a broader talent pool to environmental sciences. Activities include evaluating current practices, building partnerships with underrepresented groups, showcasing diverse skillsets, and piloting new approaches to inclusion. Successful applicants are encouraged to work collaboratively with other grantees, share insights, and evaluate their impact rigorously. The grant covers 80% of full economic costs (FEC) and requires detailed plans for achieving meaningful diversity outcomes, with specific focus areas such as social mobility, accessibility, and intersectionality. This opportunity reflects NERC’s commitment to fostering an inclusive environment in scientific research and aligning with broader UK Research and Innovation (UKRI) goals of supporting diverse talent and responsible research practices.
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### Astronomy large awards 2025: full application (invite only)
- Published: 2024-11-27
- Modified: 2024-11-27
- URL: https://swoopfunding.com/grants-calendar/astronomy-large-awards-2025-full-application-invite-only/
- Industry: Aerospace, Agriculture & forestry & fishing & hunting, Artificial intelligence, Data Analytics/Data Science, Energy, Life Sciences, Medtech, Renewable energy, Robotics, Sci & Tech Activities, Sustainability, Technology
- Country: United Kingdom
The Astronomy Large Awards 2025 support groundbreaking research in astronomy and technology development, funding up to 80% of FEC. The Astronomy Large Awards 2025, administered by the Science and Technology Facilities Council (STFC), are designed to support high-impact research and technology development within astronomy and related fields. This opportunity is open only to applicants who have successfully submitted an outline application and received an invitation to submit a full proposal. The awards are intended to fund large-scale projects that address significant research questions or contribute to technological advancements with the potential for world-leading discoveries. The funding covers up to 80% of the full economic cost (FEC), with grants ranging from three to five years, starting in April 2026. Projects eligible for funding include a wide array of astronomy-related topics, such as stellar physics, solar system studies, astrophysical research, and advanced technology development, including instrumentation and software. Applicants may request financial support for research staff, equipment, travel, and other project-specific expenses. Researcher posts, including those for Research and Innovation Associates (RIA), must be explicitly justified. The application process follows a two-stage submission, with applicants first submitting an outline application, then being invited to submit the full proposal. The research team must remain consistent with the outline submission, and adjustments to costs are limited to a 10% variation from the initial proposal. The funding is intended to foster a diverse range of researchers and promote inclusive working conditions, ensuring that all applicants have access to resources and support that meet their specific...
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### Innovate UK Smart Grants: November 2024
- Published: 2024-11-18
- Modified: 2024-11-18
- URL: https://swoopfunding.com/grants-calendar/innovate-uk-smart-grants-november-2024/
- Industry: Aerospace, Age care services, Agriculture & forestry & fishing & hunting, Agritech, Automotive, Biotech, Cybersecurity, Defense, Drones, Educational services, Energy, Financial Services, Govtech, Health care and social assistance, Information and Cultural Industries, IT, Renewable energy, Robotics, SaaS (Software as a Service), Security Services, Sustainability, Technology, Transport Tech, Utilities
- Country: United Kingdom
Innovate UK Smart grants provide up to £15 million for game-changing R&D innovations, boosting UK economic growth, clean energy, safety, and healthcare. The Innovate UK Smart grants, part of UK Research and Innovation, offers up to £15 million in funding for high-impact, commercially viable R&D innovations that aim to significantly benefit the UK economy. These grants are designed to support UK-based micro, small, or medium-sized enterprises (SMEs) and their partners, promoting advancements in sectors that drive economic growth, clean energy, public safety, healthcare, and opportunities across the UK. The competition, which opened on November 14, 2024, and closes on January 22, 2025, encourages applications from projects that demonstrate groundbreaking ideas in new products, processes, or services with high global potential. The focus is on innovations ready for rapid commercialisation, with the aim of achieving a substantial economic return and contributing to the UK’s global competitiveness. Eligible projects must have clear evidence of commercialisation potential, scalability, and return on investment. The funding supports feasibility studies, industrial research, and experimental development, with financial support varying based on the size of the company and the stage of the project. Project costs range from £100,000 to £1 million, and the competition will fund up to 70% of costs for SMEs, with lower percentages for larger organisations. The programme is open to various collaborations, including businesses, research organisations, charities, and public sector entities, provided they meet the eligibility criteria. Innovate UK also offers resources to support applicants, with a strong emphasis on inclusive and accessible...
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### Launchpad: life and health sciences, Northern Ireland round two MFA
- Published: 2024-11-13
- Modified: 2024-11-13
- URL: https://swoopfunding.com/grants-calendar/launchpad-life-and-health-sciences-northern-ireland-round-two-mfa/
- Industry: Age care services, Artificial intelligence, Biotech, Data Analytics/Data Science, Health care and social assistance, Life Sciences, Medtech, Professional scientific and technical services, Sci & Tech Activities, Sustainability, Technology
- Country: Northern Ireland, United Kingdom
Northern Ireland's Launchpad grant, offering up to £100,000, supports SMEs innovating in life and health sciences, fostering local economic growth. The Launchpad grant for life and health sciences in Northern Ireland, facilitated by Innovate UK and Invest Northern Ireland, aims to stimulate regional innovation by providing up to £4. 3 million in funding. This program is structured into two competition strands—Minimal Financial Assistance (MFA) and Collaborative Research and Development (CR&D)—targeting small to medium-sized enterprises (SMEs) advancing local health and life science technologies. The funding supports projects seeking to address crucial themes such as diagnostics, therapeutics, digital health, and healthcare service delivery innovations. Projects can incorporate cutting-edge fields like artificial intelligence, machine learning, and wearable medical devices, contributing to regional economic growth and global healthcare advancements. Applicants may request between £25,000 and £100,000, with project durations spanning from six to twelve months. Eligibility criteria include requirements that projects be UK-based, adhere to specific financial assistance thresholds, and actively collaborate with regional organizations such as the Health Innovation Research Alliance Northern Ireland (HIRANI). This competition adopts a portfolio approach, prioritizing projects that align closely with the outlined themes and create significant value within the Northern Ireland innovation cluster. Successful projects are expected to foster sustained local innovation activities, positioning Northern Ireland as a competitive hub within the life and health sciences sector.
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### Launchpad: life and health sciences, Northern Ireland round two CR&D
- Published: 2024-11-13
- Modified: 2024-11-13
- URL: https://swoopfunding.com/grants-calendar/launchpad-life-and-health-sciences-northern-ireland-round-two-crd/
- Industry: Age care tech, Artificial intelligence, Biotech, Data Analytics/Data Science, Health care and social assistance, Life Sciences, Medtech
- Country: Northern Ireland, United Kingdom
Northern Ireland’s life and health sciences sector is set to advance with £4. 3 million from Innovate UK to support innovative projects. The "Launchpad: Life and Health Sciences, Northern Ireland – Round 2 Collaborative Research and Development (CR&D)" grant competition offers UK-registered businesses in Northern Ireland’s life and health sciences sector a chance to secure funding from a £4. 3 million pool, facilitated by Innovate UK and Invest Northern Ireland. Targeting projects that boost local economic growth, this grant focuses on supporting innovation activities within key thematic areas like diagnostics, data-driven healthcare solutions, and advanced therapeutic development. Applicants must outline how their projects align with Northern Ireland’s life sciences cluster, managed by the Health Innovation Research Alliance Northern Ireland (HIRANI). To be eligible, projects need to request between £150,000 and £1 million, demonstrate clear economic impact, and involve a collaboration with other registered UK entities. The initiative promotes diverse, high-impact projects in fields such as medical diagnostics, digital health, and healthcare service innovation, while adhering to UK subsidy control and ethical research standards.
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### Launchpad: agri-tech and food technology, Mid and North Wales MFA
- Published: 2024-11-13
- Modified: 2024-11-13
- URL: https://swoopfunding.com/grants-calendar/launchpad-agri-tech-and-food-technology-mid-and-north-wales-mfa/
- Industry: Agriculture & forestry & fishing & hunting, Agritech, Biotech, Food and Beverage, Sustainability
- Country: Wales
- Region: Anglesey, Ceredigion, Conwy, Denbighshire, Flintshire, Gwynedd, Powys, Wrexham
This £1. 5 million Innovate UK grant supports agri-tech and food tech projects in Mid and North Wales, boosting local innovation. The “Launchpad: Agri-Tech and Food Technology” grant is a targeted initiative by Innovate UK, in collaboration with Ceredigion County Council, Cyngor Gwynedd, and the Welsh Government, to foster growth and technological advancements in the agri-tech and food technology sectors across Mid and North Wales. Businesses based in the area, specifically within Ceredigion, Powys, Anglesey, Gwynedd, Conwy, Denbighshire, Flintshire, and Wrexham, are eligible to apply for funding up to £100,000 per project. These projects must demonstrate innovation that benefits the local economy, aligns with sustainability goals, and can contribute to the long-term growth of the regional cluster. Eligible projects should focus on themes like enhancing agricultural productivity, increasing nutritional content, developing novel foods, improving food processing, and fostering sustainability. Projects must run between 6 to 12 months, be based in the UK, and comply with the Minimal Financial Assistance limit of £315,000 over three years. Through this grant, Innovate UK aims to build a strong, sustainable agri-tech ecosystem in Mid and North Wales by supporting businesses that are committed to local economic resilience, innovation, and environmental responsibility.
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### Expression of interest: ATI programme strategic batch: Nov 2024
- Published: 2024-11-13
- Modified: 2024-11-13
- URL: https://swoopfunding.com/grants-calendar/expression-of-interest-ati-programme-strategic-batch-nov-2024/
- Industry: Aerospace, Artificial intelligence, Autonomous Vehicles, Cybersecurity, Energy, Engineering, Manufacturing, Renewable energy, Robotics, Sci & Tech Activities, Technology, Transportation Services and Warehousing
- Country: United Kingdom
The ATI Programme's strategic batch supports UK civil aerospace advancements through funding for industrial research and infrastructure, enhancing global competitiveness and sustainability. The ATI Programme, coordinated by the Department for Business and Trade (DBT), Innovate UK, and the Aerospace Technology Institute (ATI), funds research and development initiatives to boost the UK civil aerospace sector's competitiveness. This November 2024 competition, known as the "Expression of Interest (EoI)," is the first phase of a two-phase strategic batch competition. The EoI phase evaluates project proposals aligned with the UK Aerospace Technology Strategy, focused on areas like zero-carbon emission aircraft, ultra-efficient aircraft, cross-cutting technologies, and non-CO2 emission technologies. Proposals advancing to phase 2, the Full Stage Application (FSA), may secure funding, contingent on assessments of value, strategic fit, and policy alignment. The ATI Programme offers significant government backing with a £685 million budget, although individual project funding is capped. It seeks contributions from a diverse range of UK-based organizations, including businesses, academic institutions, and research organizations, fostering a collaborative approach toward innovations in civil aviation sustainability and technological leadership.
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### Launchpad: immersive and creative, Coventry and Warwickshire round two CR&D
- Published: 2024-11-13
- Modified: 2024-11-13
- URL: https://swoopfunding.com/grants-calendar/launchpad-immersive-and-creative-coventry-and-warwickshire-round-two-crd/
- Industry: Creative, Education, Film, Health care and social assistance, Manufacturing, Media, Sport
- Country: England, United Kingdom
- Region: Birmingham, Coventry, Dudley, North Warwickshire, Sandwell, Solihull, Walsall, Wolverhampton
UK businesses in immersive and creative sectors can apply for substantial funding to drive innovation within Coventry and Warwickshire's local economy. The Launchpad: Immersive & Creative Coventry and Warwickshire grant, funded by Innovate UK in collaboration with local councils, offers up to £4. 35 million to UK-registered businesses to stimulate innovation in immersive and creative industries. Focused on Coventry and Warwickshire, this initiative supports projects that leverage cutting-edge technology—like augmented reality, digital media, and virtual production—to enhance local economic growth. Eligible projects, requiring funding between £150,000 and £1 million, must be collaborative, UK-based, and demonstrate local industry engagement with market-oriented opportunities. This competitive grant targets proposals that align with specific technological themes, spanning sectors like gaming, education, and healthcare. With a closing date of December 11, 2024, applicants are encouraged to submit impactful, strategically relevant proposals to secure funding in this fast-growing regional cluster.
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### Launchpad: bio-based manufacturing, Scotland, round two CR&D
- Published: 2024-11-12
- Modified: 2024-11-12
- URL: https://swoopfunding.com/grants-calendar/launchpad-bio-based-manufacturing-scotland-round-two-crd/
- Industry: Agriculture & forestry & fishing & hunting, Agritech, Biotech, Life Sciences, Manufacturing, Renewable energy, Sustainability
- Country: Scotland, United Kingdom
UK businesses can apply for grants to advance bio-based manufacturing in Scotland, fostering innovation in industrial biotechnology, sustainable production, and biomass supply chains. The "Launchpad: Bio-based Manufacturing, Scotland – Rd2 CR&D" grant offers UK-based businesses up to £5. 25 million in total funding to drive advancements in Scotland’s bio-based manufacturing cluster. Administered by Innovate UK in collaboration with Scottish Enterprise, this grant focuses on supporting industrial biotechnology innovation, sustainable production practices, and biomass supply chain development. Eligible projects must be conducted entirely within the UK, with a grant request between £150,000 and £1 million, lasting between 6 and 18 months. Businesses applying for the grant must demonstrate their alignment with competition criteria, which includes fostering economic growth and sustainability within Scotland’s bio-based manufacturing sector. They are required to collaborate with at least one other organization, such as academic institutions or public sector bodies, to strengthen local innovation activities within this industrial cluster. Through Innovate UK's portfolio approach, applications will be evaluated on their innovative potential and local impact, with a preference for projects demonstrating significant engagement in Scotland’s industrial biotechnology ecosystem. This competition supports the UK Government’s economic growth goals by encouraging high-impact, sustainable business innovation. Projects should contribute to Scotland’s industrial biotechnology strategy, aiming to surpass a turnover of £1. 2 billion in this sector by 2026.
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### Design foundations round six
- Published: 2024-11-12
- Modified: 2024-11-12
- URL: https://swoopfunding.com/grants-calendar/design-foundations-round-six/
- Industry: Agritech, Biotech, Cybersecurity, Education, Energy, Health care and social assistance, Life Sciences, Manufacturing, Medtech, Proptech, Renewable energy, Robotics, SaaS (Software as a Service), Social Enterprise, Sustainability, Transport Tech
- Country: United Kingdom
Innovate UK’s Design Foundations Round 6 offers up to £2 million to UK organizations for people-centered, systemic design projects. The Design Foundations Round 6 competition, launched by Innovate UK, offers up to £2 million in funding to support UK-registered businesses in applying people-centered and systemic design approaches. The competition encourages projects that aim to influence, inform, and de-risk research and development (R&D) efforts. By focusing on creating innovative solutions, the program seeks proposals that target significant benefits for people, society, and the planet, in areas like sustainability, digital technologies, health, and more. Projects should align with defined innovation opportunities, the generation of new ideas, or the improvement of existing concepts. Participants must engage stakeholders early in the process, ensuring solutions are desirable, responsible, and likely to be adopted. Eligible organizations can apply for grants between £40,000 and £80,000, and projects must be completed within three to six months.
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### Investor partnerships in health technologies, West Yorkshire: round one
- Published: 2024-11-12
- Modified: 2024-11-12
- URL: https://swoopfunding.com/grants-calendar/investor-partnerships-in-health-technologies-west-yorkshire-round-one/
- Industry: Age care tech, Artificial intelligence, Biotech, Data Analytics/Data Science, Health care and social assistance, Life Sciences, Medtech
- Country: England, United Kingdom
- Region: West Yorkshire
UK SMEs in health technology can apply for West Yorkshire grants to fund innovation projects, backed by private investment partnerships. The "Investor Partnerships in Health Technologies" grant initiative offers financial support to UK-registered small and medium-sized enterprises (SMEs) focused on health technology innovation within West Yorkshire. Through collaboration between Innovate UK, the West Yorkshire Combined Authority, and select investor partners, this program aims to stimulate local economic growth by fostering advancements in medical devices, diagnostics, and digital health technologies. Innovate UK will contribute up to £2 million in grants, targeting high-potential projects that can demonstrate substantial market impact, scalability, and investor appeal. Projects must align with strategic goals, including addressing health inequalities, enabling earlier diagnosis, supporting sustainable healthcare practices, and tackling major health conditions. Applicants must obtain pre-application support from one of Innovate UK's investor partners, ensuring that projects meet both Innovate UK's funding criteria and investor standards. Projects eligible for funding are divided into feasibility studies, industrial research, and experimental development, with total costs capped between £50,000 and £2 million, depending on the category. This funding initiative emphasizes not only project completion but also lasting innovation activity within the region’s health technology cluster. Moreover, projects must meet specific criteria, such as clear pathways to market and evidence of collaboration within the Health Innovation Yorkshire & Humber network.
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### Launchpad: bio-based manufacturing, Scotland – Rd 2 MFA
- Published: 2024-11-12
- Modified: 2024-11-12
- URL: https://swoopfunding.com/grants-calendar/launchpad-bio-based-manufacturing-scotland-rd-2-mfa/
- Industry: Biotech, Life Sciences
- Country: England, Northern Ireland, Scotland, United Kingdom, Wales
UK businesses can apply for up to £100,000 to fund bio-based manufacturing projects in Scotland, enhancing local innovation growth. The "Launchpad: Bio-based Manufacturing, Scotland – Round 2 MFA" grant offers UK-based businesses an opportunity to apply for funding to promote bio-based manufacturing innovations within Scotland. Supported by Innovate UK and Scottish Enterprise, this initiative allocates a total of £5. 25 million for projects that drive advancements in industrial biotechnology, biomass supply chain development, and sustainable production. Targeting Scotland’s bio-based innovation cluster, this funding aims to enhance the sector’s contribution to the Scottish economy. Projects must apply under the correct strand (MFA or CR&D) and should focus on activities within the innovation cluster, fostering growth both during and after the project timeline. Eligible projects are expected to operate in Scotland, be primarily innovation-oriented, and support the country's sustainable industrial growth. Awards range from £25,000 to £100,000, covering up to 100% of the project’s eligible costs. Applications must meet De Minimis financial assistance regulations, comply with eligibility criteria, and align with Innovate UK’s portfolio approach, which favors projects with substantial cluster engagement and contributions to Scotland’s biotechnology growth objectives.
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### Launchpad: immersive and creative, Coventry and Warwickshire round two MFA
- Published: 2024-11-12
- Modified: 2024-11-12
- URL: https://swoopfunding.com/grants-calendar/launchpad-immersive-and-creative-coventry-and-warwickshire-round-two-mfa/
- Industry: Arts & entertainment and recreation, Creative, Educational services, Film, Media, Sporttech
- Country: England, United Kingdom
- Region: Coventry, North Warwickshire
Eligible UK SMEs can secure funding up to £100,000 for innovative projects in immersive and creative industries based in Coventry and Warwickshire. The Launchpad: Immersive & Creative Coventry & Warwickshire Round 2 MFA grant, offered by Innovate UK in partnership with local councils, aims to foster innovation and growth within the immersive and creative industries cluster of Coventry and Warwickshire. This funding opportunity is designed for UK-registered small and medium-sized enterprises (SMEs) and provides grants ranging from £25,000 to £100,000 for projects that develop immersive technologies such as augmented reality, virtual production, and motion capture. Eligible projects must align with the regional goals for economic development, focusing on the creation and application of cutting-edge digital media, simulations, and game engine environments. Projects should also show a commitment to building sustainable value within the local cluster, with lasting impact beyond the grant’s timeline. Applications close on December 11, 2024, and projects are expected to run from April 2025 to June 2026, showcasing how the business will actively contribute to the area's innovation ecosystem during and after the project.
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### 2049: Canada-UK Collaborative R&D
- Published: 2024-11-11
- Modified: 2024-11-11
- URL: https://swoopfunding.com/grants-calendar/2049-canada-uk-collaborative-rd/
- Industry: Agritech, Artificial intelligence, Biotech, Cybersecurity, Data Analytics/Data Science, Defense, Drones, Energy, Fintech, Govtech, Health care and social assistance, Life Sciences, Medtech, Renewable energy, Sustainability, Technology, Transport Tech
- Country: Canada, United Kingdom
UK and Canadian organisations can apply for up to £3 million funding for collaborative R&D projects in innovative technologies. The Canada-UK Collaborative R&D competition is a joint initiative between Innovate UK and Canada's National Research Council Industrial Research Assistance Program (NRC IRAP). The competition aims to fund collaborative projects between UK and Canadian small and medium-sized enterprises (SMEs), with a focus on the development of innovative technologies in sectors like life sciences, digital and emerging technologies, and sustainability. UK registered organisations can request up to £300,000 in funding for their portion of the project, while Canadian participants can receive up to CA$500,000. The projects must last between 12 and 24 months and be equally balanced in terms of technological contributions from both countries. The application process is competitive, and both Innovate UK and NRC IRAP must independently select and approve the projects for funding. The competition encourages partnerships that contribute to technological advancements with a clear commercialisation potential, particularly in the areas of engineering biology, artificial intelligence, clean energy, and more. Participants must meet specific eligibility criteria, and the project must demonstrate a genuine international collaboration. The competition supports research and development projects that are poised for commercial success in both domestic and global markets.
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### Investor Partnerships in digital technologies, north-east: round one
- Published: 2024-11-11
- Modified: 2024-11-11
- URL: https://swoopfunding.com/grants-calendar/investor-partnerships-in-digital-technologies-north-east-round-one/
- Industry: Aerospace, Agriculture & forestry & fishing & hunting, Agritech, Artificial intelligence, Automotive, Autonomous Vehicles, Cybersecurity, Data Analytics/Data Science, Deep Technology, Drones, Energy, Fintech, fishing and hunting, Govtech, Health care and social assistance, IT, Life Sciences, Manufacturing, Medtech, Renewable energy, Robotics, SaaS (Software as a Service), Security Services, Sporttech, Technology, Transport Tech
- Country: England
- Region: County Durham, Darlington, Gateshead, Hartlepool, Middlesbrough, Newcastle upon Tyne, North Tyneside, Northumberland, Redcar and Cleverland, South Tyneside, Stockton-on-Tees, Sunderland
UK registered SMEs can apply for grants and investment partnerships to grow digital technology innovation in North East England. The Innovate UK Investor Partnerships grant aims to support innovation-driven growth among UK registered small and medium-sized enterprises (SMEs) within the digital technology sector of North East England. With a total investment of up to £2. 5 million, this program is designed for SMEs seeking funding for research and development (R&D) projects. Eligible projects must enhance innovation activities within the North East digital technology cluster and show potential for long-term local impact. To apply, SMEs must have an aligned investor partner willing to match or exceed the grant investment, demonstrating commitment to the proposed innovation. Investor partners are expected to catalyze growth by providing additional capital and guidance. Projects may range from feasibility studies to experimental development with funding limits based on research category, and must be scheduled between May 2025 and December 2026. This initiative supports various innovation themes, including immersive technologies (e. g. , extended reality, digital twins), artificial intelligence (e. g. , machine learning, robotics), and related emerging fields. Successful applications will have a clear commercialization path, scalability potential, and alignment with the North East Combined Authority’s goals for regional economic growth in digital technologies. The program encourages applications from diverse and underrepresented groups, fostering inclusive innovation across various industries.
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### Launchpad: net zero industry, South-West Wales, round two MFA
- Published: 2024-11-11
- Modified: 2024-11-11
- URL: https://swoopfunding.com/grants-calendar/launchpad-net-zero-industry-south-west-wales-round-two-mfa/
- Industry: Age care services, Age care tech, Artificial intelligence, Biotech, Health care and social assistance, Insurance and reinsurance, IT, Life Sciences, Medtech, Professional Services, Renewable energy, Robotics, Social Enterprise, Sustainability
- Country: Wales
- Region: Carmarthenshire, Neath Port Talbot, Pembrokeshire, Swansea
Innovate UK’s Launchpad grant offers up to £100,000 for innovative projects advancing net-zero goals in South West Wales’ industrial decarbonization sector. The Innovate UK Launchpad grant, in collaboration with the Welsh Government and Net Zero Industry Wales, provides up to £1 million in funding to support business-led innovation projects in South West Wales. This initiative aims to foster economic growth and advance net-zero objectives by investing in projects focused on industrial decarbonization within the region’s dedicated cluster, including Carmarthenshire, Neath Port Talbot, Pembrokeshire, and Swansea. Eligible small to medium-sized enterprises (SMEs) can apply for grants between £25,000 and £100,000 for projects lasting from 6 to 12 months. Projects must demonstrate innovation that contributes to decarbonization, renewable energy, or circular economy objectives. The competition is highly selective, prioritizing projects that show strong potential for economic impact within and beyond Wales, align with Innovate UK’s sustainability themes, and create lasting value in the local innovation ecosystem.
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### AI solutions to develop AI competencies in key sectors
- Published: 2024-11-07
- Modified: 2024-11-07
- URL: https://swoopfunding.com/grants-calendar/ai-solutions-to-develop-ai-competencies-in-key-sectors/
- Industry: Artificial intelligence, Construction, Transport Tech, Transportation Services and Warehousing
- Country: United Kingdom
The BridgeAI grant by Innovate UK funds projects creating ethical, personalized AI learning solutions for upskilling in construction, logistics, creative industries, and agriculture. The BridgeAI grant competition, led by Innovate UK, is dedicated to funding innovation in personalized, ethical AI learning systems, targeting critical sectors including construction, transport and logistics, creative industries, and agriculture. With up to £2 million available, the initiative aims to accelerate sector-specific AI competencies by promoting projects that align with the AI Skills for Business Competency Framework. Each proposal must ensure alignment with industry standards, support evidence-based education methodologies, and identify clear learning outcomes that can be applied in practical upskilling scenarios for the current workforce. Eligible projects can request between £50,000 and £100,000, must be based in the UK, and involve UK-registered entities, such as SMEs, academic institutions, or public sector organizations. Projects must include a partner organization and propose an end user for pilot testing to validate the AI solution. The BridgeAI competition emphasizes a diverse and inclusive approach, welcoming applications from all backgrounds and offering support for applicants facing barriers to accessibility.
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### Quantum Missions pilot: Quantum Computing and Quantum Networks
- Published: 2024-11-01
- Modified: 2024-11-01
- URL: https://swoopfunding.com/grants-calendar/quantum-missions-pilot-quantum-computing-and-quantum-networks/
- Industry: Other
- Country: United Kingdom
UK registered businesses can apply for a share of up to £9. 5 million for Quantum Computing (QC) and Quantum Networks (QN) projects. This funding is from Innovate UK. This competition is open to collaborations only. To lead a project your organisation must: be a UK registered business of any size carry out its project work in the UK intend to commercially exploit the project results from the UK For further information, check out the website.
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### AHRC responsive mode: Curiosity Award: round six
- Published: 2024-10-23
- Modified: 2024-10-23
- URL: https://swoopfunding.com/grants-calendar/ahrc-responsive-mode-curiosity-award-round-six/
- Industry: Art, Creative, Educational services, Film, Government/public sector services, Information and Cultural Industries, Media, Print/publishing, Professional scientific and technical services, Social Enterprise
- Country: United Kingdom
The AHRC Curiosity Award: round six offers up to £100,000 for novel, interdisciplinary research, idea generation, and networking activities. The AHRC Curiosity Award (round six) is a flexible grant opportunity designed to support early-stage, fundamental research projects in the arts and humanities. It offers funding for diverse research approaches—whether single-discipline or interdisciplinary—allowing for innovative idea generation, high-risk concepts, and partnership building. Researchers across all career stages can apply, with grants covering up to £100,000 in costs, 80% of which is funded by the AHRC. Projects may last up to five years, and international collaboration is encouraged.
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### AHRC responsive mode: Catalyst Award: round six
- Published: 2024-10-23
- Modified: 2024-10-23
- URL: https://swoopfunding.com/grants-calendar/ahrc-responsive-mode-catalyst-award-round-six/
- Industry: Art, Creative, Education, Educational services, Film, Information and Cultural Industries, Media, Print/publishing, Professional scientific and technical services, Social Enterprise
- Country: United Kingdom
The AHRC Catalyst Award supports early-stage researchers, offering grants from £100,000 to £300,000 to develop independent leadership. The AHRC Responsive Mode Catalyst Award, round six, offers early-career researchers an opportunity to lead their first significant research project. It supports individuals based at eligible UK research organizations who lack prior experience in directing large-scale projects. With funding ranging from £100,000 to £300,000, the grant covers up to 80% of the full economic cost (FEC) for projects lasting up to five years. Designed to accelerate career trajectories, the award fosters leadership, collaboration, and skill development through ambitious research initiatives. Applications open on 31 October 2024 and close on 30 January 2025.
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### AHRC responsive mode pilot: Mission Awards: full stage invite only
- Published: 2024-10-23
- Modified: 2024-10-23
- URL: https://swoopfunding.com/grants-calendar/ahrc-responsive-mode-pilot-mission-awards-full-stage-invite-only/
- Industry: Art, Creative, Educational services, Film, Information and Cultural Industries, Media, Social Enterprise, Sustainability
- Country: United Kingdom
The AHRC's upcoming Mission Awards grant supports invited UK teams with £2-3 million to advance innovative arts and humanities research agendas collaboratively. The Arts and Humanities Research Council (AHRC) is launching a unique funding opportunity known as the Mission Awards, designed specifically for invited research teams in the UK to develop and implement large-scale arts and humanities projects. This pilot program emphasizes a novel team-convening model, promoting shared leadership and collaborative efforts among diverse members of the research ecosystem. The funding, which ranges from £2 million to £3 million, covers 80% of the full economic cost (FEC) of approved projects, with a maximum duration of four years. The application process is open only to teams that have successfully completed an outline application and have been invited to apply for this full-stage funding. Successful projects are expected to not only advance ambitious research agendas but also transform traditional approaches to research leadership by fostering inclusive team dynamics that incorporate individuals at various career stages and roles. The initiative aims to kick-start a new era of innovative, impactful research in the arts and humanities by focusing on collective expertise and collaborative governance throughout the project lifecycle. Teams must clearly articulate their research goals and demonstrate how their proposed work aligns with the principles of effective team collaboration, emphasizing adaptability and continuous learning. As part of its commitment to diversity and inclusion, the AHRC encourages applications from researchers of varied backgrounds, including early and mid-career academics, as well as professionals from non-academic sectors....
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### UK-Singapore engineering biology for specialty chemical production
- Published: 2024-10-23
- Modified: 2024-10-23
- URL: https://swoopfunding.com/grants-calendar/uk-singapore-engineering-biology-for-specialty-chemical-production/
- Industry: Agritech, Biotech, Food and drink, Health care and social assistance, Life Sciences, Manufacturing, Renewable energy, Sustainability
- Country: Singapore, United Kingdom
The UK-Singapore grant fosters collaborative engineering biology research to innovate sustainable specialty chemical production through international partnerships and expertise exchange. This funding opportunity aims to establish a robust research consortium between the UK and Singapore, focusing on engineering biology for specialty chemical production. It is supported by the Biotechnology and Biological Sciences Research Council (BBSRC) and the National Research Foundation Singapore (NRF), with funding available to eligible teams that include project co-leads from at least three research organizations in each country. Applications should emphasize international collaboration, leveraging unique resources and expertise to achieve project goals. Eligible projects will engage in the development of engineered biological systems tailored for various applications, such as food systems, environmental solutions, and clean growth. The maximum funding available includes £2 million for the UK component and SGD3. 45 million for the Singapore component, with an award duration of 18 months. Applications are invited until December 12, 2024, and the project must commence by June 15, 2025.
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### Data sandpit for metascience
- Published: 2024-10-23
- Modified: 2024-10-23
- URL: https://swoopfunding.com/grants-calendar/data-sandpit-for-metascience/
- Industry: Biotech, Data Analytics/Data Science, Educational services, Financial Services, Govtech, Health care and social assistance, IT, Life Sciences, Professional scientific and technical services
- Country: United Kingdom
The UKRI is hosting a four-day data sandpit, fostering collaborative projects addressing complex metascience issues to inform R&D policy. This initiative by UK Research and Innovation, co-funded by the Department for Science, Innovation and Technology, invites researchers from various backgrounds to explore innovative solutions to metascience questions. Participants will engage in intensive workshops held over two weeks in February 2025, combining in-person sessions in Swindon with remote collaboration. Attendees will work alongside mentors to define R&D challenges, develop common terminologies, and craft compelling research proposals, all aimed at optimizing research practices and providing actionable insights for decision-makers in the research landscape. With a total funding pool of £1 million available, this sandpit seeks to encourage interdisciplinary collaboration and thought leadership within the metascience community, ultimately shaping future R&D funding strategies.
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### Collaborate with German partners on arts and humanities research: round seven
- Published: 2024-10-16
- Modified: 2024-10-16
- URL: https://swoopfunding.com/grants-calendar/collaborate-with-german-partners-on-arts-and-humanities-research-round-seven/
- Industry: Creative, Educational services, Information and Cultural Industries
- Country: Germany, United Kingdom
This grant supports UK and German researchers in conducting collaborative arts and humanities research projects. Applicants must form integrated teams led by eligible researchers from both countries. Projects can receive up to £420,000 in funding and last 24-36 months, with an emphasis on the value of international collaboration. This funding opportunity, jointly administered by the AHRC (UK) and DFG (Germany), supports collaborative research projects in arts and humanities between UK and German institutions. Eligible researchers from both countries must lead national teams, and their research must fall within the remit of the AHRC and DFG. The initiative fosters cross-national academic cooperation, aiming to advance knowledge in the humanities through highly integrated projects. Proposals can cover any arts and humanities topic but must highlight the added value of international collaboration. The funding covers up to £420,000 in full economic costs for UK applicants, with AHRC funding 80% of this. German applicants follow DFG’s flexible funding rules, with no fixed upper limit. The projects should last between 24-36 months and start in early 2026. Both single-disciplinary and interdisciplinary projects are welcome, with a focus on research excellence and equitable partnerships. For further information, check out the website.
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### Expression of interest: ATI programme strategic batch Oct 2024
- Published: 2024-10-11
- Modified: 2024-10-11
- URL: https://swoopfunding.com/grants-calendar/expression-of-interest-ati-programme-strategic-batch-oct-2024/
- Industry: Aerospace, Artificial intelligence, Drones, Engineering, Renewable energy, Technology
- Country: United Kingdom
The ATI Programme, coordinated by the Department for Business and Trade, Innovate UK, and the Aerospace Technology Institute, provides a £685 million funding opportunity to support innovative projects that align with the UK Aerospace Technology Strategy, aimed at enhancing the country's competitive edge in civil aerospace. The ATI Programme, jointly managed by the Department for Business and Trade (DBT), Innovate UK, and the Aerospace Technology Institute (ATI), allocates £685 million from the government for the financial years 2022 to 2023 through 2024 to 2025, to foster innovation and growth in the UK civil aerospace sector. This funding initiative operates through a two-phase competitive process, starting with an Expression of Interest (EoI) that allows projects to align with the UK Aerospace Technology Strategy, focusing on zero-carbon emission aircraft technologies, ultra-efficient aircraft technologies, cross-cutting enabling technologies, and non-CO2 technologies. Phase 1 does not include funding, but successful EoI applicants will advance to Phase 2, where they can submit a Full Stage Application (FSA) for potential funding, subject to rigorous assessment by Innovate UK and the DBT. Projects must be UK-based, address specific strategic priorities, and maintain compliance with various eligibility criteria, including the focus on collaboration and innovation within the civil aerospace sector. The application process encourages participation from diverse backgrounds and supports accessibility for all applicants, ensuring that the initiative promotes inclusivity while advancing technological solutions to sustain the UK’s position in the global aerospace market.
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### Small molecule High Throughput Screen using AstraZeneca facilities
- Published: 2024-10-11
- Modified: 2024-10-11
- URL: https://swoopfunding.com/grants-calendar/small-molecule-high-throughput-screen-using-astrazeneca-facilities/
- Industry: Agritech, Biotech, Health care and social assistance, Life Sciences, Medtech, Sci & Tech Activities
- Country: United Kingdom
This grant provides academic researchers with funding to conduct High Throughput Screening (HTS) using AstraZeneca’s extensive compound library, prioritizing projects focused on autoimmunity and motor neurone disease, while offering opportunities in various thematic areas including pain, mental health, and women's health. The grant supports academic researchers in leveraging AstraZeneca’s advanced facilities and vast compound library, comprising over two million small molecules, to discover potential starting points for small molecule medicinal drugs. Each year, funding will be available for up to four projects, with applications targeting autoimmunity or motor neurone disease receiving priority ranking. The grant covers 100% of the full economic costs (FEC) for work conducted at AstraZeneca, including up to £20,000 for assay optimization and £150,000 for executing the HTS. Researchers are encouraged to embed themselves at AstraZeneca for up to three months to aid in assay development and screening execution. Additionally, funding for related costs, such as travel and staff time at host institutions, will also be considered, though conference attendance is excluded. The grant aims to foster collaboration and enhance the skills of researchers while adhering to ethical research standards outlined by the Trusted Research and Innovation program. Applications are expected to be ready for commencement within six months of funding decisions, with project durations ranging from 12 to 18 months.
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### UK future internet NetworkPlus: full application invite only
- Published: 2024-10-11
- Modified: 2024-10-11
- URL: https://swoopfunding.com/grants-calendar/uk-future-internet-networkplus-full-application-invite-only/
- Industry: Artificial intelligence, Autonomous Vehicles, Cybersecurity, Data Analytics/Data Science, Deep Technology, Defense, Fintech, Govtech, Health care and social assistance, Information and Cultural Industries, IT, Medtech, Professional scientific and technical services, Proptech, Renewable energy, Robotics, SaaS (Software as a Service), Sci & Tech Activities, Technology, Transport Tech
- Country: United Kingdom
This funding opportunity seeks to establish a collaborative NetworkPlus to drive interdisciplinary research on the future of the internet, focusing on UK leadership in governance, security, inclusivity, and technology for societal and economic benefit. The UKRI’s Future of the Internet initiative offers funding to support the creation of a NetworkPlus, which will unite academia, government, industry, and other stakeholders to explore and shape the future of internet technologies and their societal impacts. This initiative aligns with UKRI’s strategic goal of improving outcomes across the UK through innovation and economic growth, addressing critical areas such as internet security, standards, and inclusivity, while ensuring the UK’s leadership in global internet governance. The NetworkPlus will promote interdisciplinary collaboration and horizon scanning, with a focus on providing a framework for policy development and future investments. It will engage diverse stakeholders, including underrepresented groups and Early Career Researchers, and deliver flexible funding opportunities for exploratory projects. Place-based case studies and the development of thought leadership will further enhance the UK's role in addressing challenges related to digital infrastructure, internet safety, misinformation, and the internet’s future societal role. The award duration is nearly four years, with a maximum funding of £6. 5 million.
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### ESRC responsive mode: working with Brazilian researchers round two
- Published: 2024-10-07
- Modified: 2024-12-18
- URL: https://swoopfunding.com/grants-calendar/esrc-responsive-mode-working-with-brazilian-researchers-round-two/
- Industry: Educational services, Professional scientific and technical services
- Country: Brazil, United Kingdom
Researchers from the UK and São Paulo, Brazil can apply for collaborative social science projects. ESRC funds the UK part and FAPESP supports the São Paulo-based costs. Proposals can be submitted through the UKRI Funding Service in consecutive rounds. This funding opportunity allows researchers in the UK and São Paulo, Brazil, to collaborate on social science projects. Proposals in any area within the remits of both the Economic and Social Research Council (ESRC) and São Paulo Research Foundation (FAPESP) are encouraged, including basic, applied, and strategic research. Projects can address innovative topics and techniques with potential societal and economic impact. For the UK-based portion, the full economic cost (FEC) of the project can range from £350,000 to £1 million, with ESRC covering 80% of the FEC. São Paulo-based researchers will receive funding for justified costs from FAPESP via their SAGe system. Collaborative proposals can be submitted through the UK Research and Innovation (UKRI) Funding Service, with multiple application rounds available. Before applying, applicants should confirm eligibility through ESRC and FAPESP guidelines. Both UK and Brazilian applicants must ensure that their institutions and team members meet the required funding criteria for their respective agencies. This grant supports a wide range of projects, from standard research to large-scale surveys, aiming to foster international collaboration and address barriers to global research. The award duration is up to five years. For further information, check out the website.
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### ESRC responsive mode: UKRI-SBE lead agency opportunity round two
- Published: 2024-10-07
- Modified: 2024-12-18
- URL: https://swoopfunding.com/grants-calendar/esrc-responsive-mode-ukri-sbe-lead-agency-opportunity-round-two/
- Industry: Educational services, Professional scientific and technical services, Technology
- Country: United Kingdom
This funding opportunity enables UK and US-based researchers to submit collaborative proposals for social science research across the remits of ESRC and NSF-SBE. Proposals will undergo a single review process and can range between £350,000 and £1 million for the UK part, funded at 80% of the full economic cost. Applications are submitted via the UKRI Funding Service and run in consecutive rounds. This grant supports collaborative research projects between UK and US-based researchers within the social sciences, governed by a partnership between the UK Economic and Social Research Council (ESRC) and the National Science Foundation's Directorate for Social, Behavioral and Economic Sciences (NSF-SBE). The UK-based researchers will submit proposals through the UKRI Funding Service, with the full economic cost (FEC) of UK projects ranging from £350,000 to £1 million, of which 80% will be funded by ESRC. Proposals can be in any area covered by both ESRC and NSF-SBE remits, and researchers are encouraged to submit ambitious, high-impact research with the potential for significant societal and scientific contributions. Proposals can include co-leads from both the UK and the US, ensuring balanced collaboration. The ESRC will fund the UK part of the project while NSF-SBE will cover the US counterpart. This funding allows for a wide range of research support, from standard projects to large-scale surveys and methodological development. Researchers from diverse backgrounds and career stages are encouraged to apply, with flexibility to accommodate personal circumstances like career breaks or caring responsibilities. The award duration is up to five years,...
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### ESRC responsive mode: working with Luxembourg researchers round two
- Published: 2024-10-07
- Modified: 2024-12-18
- URL: https://swoopfunding.com/grants-calendar/esrc-responsive-mode-working-with-luxembourg-researchers-round-two/
- Industry: Educational services, Government/public sector services, Govtech, Professional scientific and technical services
- Country: Luxembourg, United Kingdom
This funding opportunity supports collaborative research projects between UK researchers and institutions in Luxembourg. They can apply for funding for any area of social sciences under the remit of both the Economic and Social Research Council (ESRC) and the Fonds National de la Recherche (FNR). The UK part of the project can receive up to £1 million in funding, with ESRC covering 80% of the full economic cost. The collaborative research funding opportunity allows UK researchers to work with partners in Luxembourg to advance social science research. They can submit proposals in any area of social sciences that aligns with the missions of both the Economic and Social Research Council (ESRC) and the Fonds National de la Recherche (FNR). The funding is designed for projects with a budget ranging from £350,000 to £1 million, where the ESRC will contribute 80% of the full economic cost (FEC) for the UK portion, while FNR will cover all justified costs for the Luxembourg side of the project. Eligibility is open to researchers based at UK research organizations eligible for ESRC funding, including individuals at any stage of their academic careers. Proposals can be submitted jointly by multiple applicants, with one designated as the project lead for the UK component. It is essential for UK and Luxembourg applicants to ensure a balanced collaboration, with clearly defined roles and objectives. The grant supports a broad range of research, from fundamental to applied studies, and encourages innovative projects that may have significant societal and economic impacts....
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### EPSRC standard research grant, Nov 2023: responsive mode
- Published: 2024-10-07
- Modified: 2024-10-07
- URL: https://swoopfunding.com/grants-calendar/epsrc-standard-research-grant-nov-2023-responsive-mode/
- Industry: Educational services, Sci & Tech Activities, Technology
- Country: United Kingdom
Researchers at eligible organisations can apply for standard research grants from the Engineering and Physical Sciences Research Council (EPSRC). These grants cover 80% of the full economic cost (FEC) for projects of any size and duration, with no fixed upper limit on funding. The Engineering and Physical Sciences Research Council (EPSRC) offers standard research grants to researchers at eligible organisations. These grants have no restrictions on the length or value of the project, providing 80% of the full economic cost (FEC) to support various types of research, including high-risk or high-return studies, feasibility projects, and collaborative efforts across disciplines. The grants are available for research in areas such as artificial intelligence, energy and decarbonisation, healthcare technologies, quantum technologies, and more. Funding can be used for staff costs, equipment (up to £400,000 per item), travel, subsistence, and other items essential for carrying out the research. EPSRC encourages diversity in applicants and supports flexible working arrangements. International collaborations are also welcomed, with specific provisions for partnerships with Norwegian institutions. Applicants are advised to ensure their project aligns with EPSRC’s strategic priorities and remit, and to consult with EPSRC if their research crosses council boundaries. For full details on eligibility, resubmission policies, and further guidance, researchers should visit the EPSRC website. For further information, check out the website.
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### Mindset extended reality (XR): Digital therapeutics for mental health
- Published: 2024-10-07
- Modified: 2024-10-07
- URL: https://swoopfunding.com/grants-calendar/mindset-extended-reality-xr-digital-therapeutics-for-mental-health/
- Industry: Artificial intelligence, Biotech, Creative, Deep Technology, Educational services, Health care and social assistance, Information and Cultural Industries, Life Sciences, Medtech, Sci & Tech Activities, Social Enterprise, Technology
- Country: United Kingdom
UK businesses can apply for a share of up to £3. 7 million to develop digital therapeutic extended reality (XR) solutions for mental health, funded by Innovate UK, with projects lasting between 12 and 18 months. Innovate UK is offering a share of up to £3. 7 million to support UK-based businesses in developing innovative digital therapeutic solutions utilizing extended reality (XR) technologies to address moderate and severe mental health conditions. Eligible projects must have total costs between £200,000 and £300,000 and should run for 12 to 18 months, starting by 1 July 2025 and ending by 31 December 2026. The funding aims to foster projects that can be scaled and integrated into the UK's formal mental healthcare ecosystem, addressing clinical needs across the care pathway. Proposals must include the design, application, and potential adoption of the solution at scale. Collaborations are encouraged, with eligible participants including businesses, academic institutions, charities, and public sector organizations. Projects should focus on impactful XR therapeutic solutions that improve mental health outcomes and are suitable for regulatory approval and widespread adoption. Applications close on 15 January 2025 at 11:00 am.
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### Sandpit: AI decision support for national security and defence
- Published: 2024-10-02
- Modified: 2024-10-02
- URL: https://swoopfunding.com/grants-calendar/sandpit-ai-decision-support-for-national-security-and-defence/
- Industry: Aerospace, Artificial intelligence, Cybersecurity, Defense, Drones, Govtech, Professional scientific and technical services
- Country: United Kingdom
The EPSRC invites UK-based researchers to apply for a five-day interactive sandpit aimed at developing innovative AI-driven decision support projects for national security and defense, fostering collaboration across disciplines and providing a platform to engage with government stakeholders. The EPSRC is offering an opportunity for researchers affiliated with UK organizations to participate in a five-day interdisciplinary sandpit focused on the development of novel artificial intelligence (AI) solutions for decision support in national security and defense contexts. This initiative aims to address the complex challenges outlined in the UK's Integrated Review Refresh 2023, which highlights the urgent need for innovative approaches in a rapidly changing global landscape. Participants will engage in a collaborative environment designed to facilitate the exchange of ideas, establish new partnerships, and generate transformative research projects that align with the needs of UK defense and security stakeholders. The sandpit encourages contributions from diverse fields, including AI technologies, behavioral sciences, cybersecurity, and engineering, and will culminate in the opportunity to pitch projects for funding. The event provides a unique platform for attendees to work directly with government stakeholders, fostering real-world applications of their research while ensuring responsible and ethical technology development. Accommodation during the residential component will be covered, and EPSRC will support childcare or caregiving costs, ensuring accessibility for all participants.
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### International Travel Award Scheme for the Biological Sciences
- Published: 2024-10-01
- Modified: 2024-10-01
- URL: https://swoopfunding.com/grants-calendar/international-travel-award-scheme-for-the-biological-sciences/
- Industry: Biotech, Educational services, Professional scientific and technical services, Technology
- Country: United Kingdom
This grant provides funding of up to £3,000 to support travel and collaboration with international partners for BBSRC-supported researchers. The funding covers travel and subsistence for up to one month to build partnerships, attend consortia events, or access overseas facilities. Applications must be submitted at least six weeks before travel. This grant offers funding to Biotechnology and Biological Sciences Research Council (BBSRC)-supported researchers to initiate international collaborations, prepare joint funding proposals, visit overseas facilities, or attend European consortia-building events. Eligible researchers, including holders of current BBSRC grants and those employed at BBSRC institutes, can apply for up to £3,000, covering travel and subsistence for stays of up to one month. The funding supports activities that enhance research projects through international partnerships and access to resources not available in the UK. The grant must be applied for by a principal investigator, and there must be at least six months remaining on the project when the travel begins. This funding opportunity promotes equality, diversity, and inclusion, and aligns with UKRI’s Trusted Research and Innovation (TR&I) principles, ensuring secure and ethical international collaborations. For further information, check out the website.
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### DARE UK Transformational Programme: core components
- Published: 2024-10-01
- Modified: 2024-10-01
- URL: https://swoopfunding.com/grants-calendar/dare-uk-transformational-programme-core-components/
- Industry: Cybersecurity, Data, Data Analytics/Data Science, Educational services, Govtech, IT, Sci & Tech Activities, Technology
- Country: United Kingdom
This grant supports advancing minimum viable products into production-ready implementations for Trusted Research Environments (TREs). It is only open to those who participated in the 2023 DARE UK Driver Projects and are invited to apply. The funding will support real-world testing and adoption of solutions. This funding opportunity is designed to transition solutions developed during the 2023 DARE UK Driver Projects to production-ready reference implementations for use in Trusted Research Environments (TREs). Eligible applicants must be UK-based researchers previously involved in DARE UK projects and specifically invited to apply. The grant will fund up to 80% of the total project cost, up to £6,343,750, to support collaborative efforts across institutions. Projects must focus on one of three key themes: federated analysis, AI and semi-automated output checking, or TRE reference architecture. The goal is to develop deployable solutions that meet the stringent requirements of DEA-accredited TREs, facilitating real-world research. Solutions will be enhanced, tested, and prepared for integration within the UK TRE ecosystem through documentation, training, and technical support. This funding is part of a broader DARE UK Phase 2 effort to advance TRE infrastructure and capabilities across the UK. For further information, check out the website.
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### EPSRC programme grant outline stage
- Published: 2024-09-30
- Modified: 2024-12-18
- URL: https://swoopfunding.com/grants-calendar/epsrc-programme-grant-outline-stage/
- Industry: Agritech, Artificial intelligence, Automotive, Biotech, Cybersecurity, Deep Technology, Drones, Educational services, Engineering, Life Sciences, Medtech, Renewable energy, Robotics, Sustainability
- Country: United Kingdom
The Engineering and Physical Sciences Research Council (EPSRC) Programme Grants provide flexible funding to world-leading research groups, enabling them to collaboratively tackle significant research challenges over a period of up to six years. EPSRC Programme Grants are designed to facilitate flexible funding for top-tier research teams in the UK, empowering them to address substantial engineering and physical sciences challenges through collaborative, strategic approaches. These grants aim to unite internationally recognized scientists and engineers around a single, coherent research theme, encouraging cross-disciplinary partnerships and fostering innovation. The grants support long-term projects, allowing teams the freedom to conduct feasibility studies, develop new skills, and respond swiftly to emerging challenges while enhancing visibility in both national and international research communities. EPSRC emphasizes the importance of creativity and independence, especially for early-career researchers, and mandates robust management and monitoring practices to ensure effective resource allocation and risk management. By fostering an environment of responsible innovation and sustainability, Programme Grants not only elevate the quality of UK research but also promote greater engagement with industry and academia, ultimately leading to a more significant impact on science and technology. Each grant can be funded for up to six years, covering 80% of the full economic cost, with specific funding limits based on the project's thematic focus.
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### Applied global health partnership: invited stage two
- Published: 2024-09-30
- Modified: 2024-09-30
- URL: https://swoopfunding.com/grants-calendar/applied-global-health-partnership-invited-stage-two/
- Industry: Age care services, Biotech, Educational services, Government/public sector services, Health care and social assistance, Life Sciences, Medtech, Professional scientific and technical services, Social Enterprise, Sustainability
- Country: United Kingdom
This grant opportunity provides funding to establish new research partnerships aimed at addressing global health challenges and inequities. It supports collaborative projects that develop applied research, fostering innovation and capacity building in low and middle-income countries (LMICs). The grant prioritizes partnerships that are multidisciplinary, strengthen global health research, and contribute to tangible improvements in health policy and practice. Eligible partnerships must be driven by the research needs of LMICs, include diverse collaborators, and offer benefits that are generalizable across the research community. The Applied Global Health Research Partnership Grant is designed to support the formation and development of high-quality, diverse research partnerships that tackle pressing global health challenges and reduce health inequities. This funding opportunity is particularly focused on fostering equitable collaborations between researchers based in low and middle-income countries (LMICs) and those in the UK, creating a platform for addressing locally relevant health issues that have the potential for global impact. The grant aims to build a diverse portfolio of research collaborations that promote multidisciplinarity, innovation in study design, and capacity strengthening within LMICs. Successful partnerships will involve a range of stakeholders, including researchers, civic society, and policymakers, to ensure the research is impact-driven and closely aligned with the needs of the communities it intends to serve. Projects can focus on any health topic relevant to the context of the participating LMICs, with particular emphasis on translating research into practical outcomes that can influence health policies and practices in the near future. Funding is available for a variety of...
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### BBSRC new investigator award: 2025 round one: responsive mode
- Published: 2024-09-27
- Modified: 2024-09-27
- URL: https://swoopfunding.com/grants-calendar/bbsrc-new-investigator-award-2025-round-one-responsive-mode/
- Industry: Agriculture, Agritech, Biotech, Deep Technology, Health care and social assistance, Life Sciences, Medtech, Sci & Tech Activities, Sustainability
- Country: United Kingdom
The New Investigator scheme is a funding opportunity aimed at supporting newly employed university lecturers, research fellows, and researchers in equivalent positions to establish their first major research projects. Administered by the Biotechnology and Biological Sciences Research Council (BBSRC), this scheme provides funding for up to five years, covering up to 80% of the project's full economic cost (FEC) with a maximum funding cap of £2 million. It encourages innovative, investigator-led research across BBSRC’s scientific remit, including plant, microbial, animal, and human studies, as well as technology development and community resources. The New Investigator scheme is an initiative by the Biotechnology and Biological Sciences Research Council (BBSRC) designed to support early-career researchers in securing their first significant research grant. It is targeted at newly employed university lecturers, researchers at equivalent levels in research council institutes, and fellows, providing them with a foundation to lead independent research projects. The scheme aims to support high-quality, investigator-led research within the BBSRC’s scientific remit, spanning a broad range of topics in biotechnology and biological sciences. Eligible research areas include studies on plants, microbes, animals, humans, and the development of tools and technologies that underpin biological research. Investigations can vary in scale, encompassing molecular, cellular, tissue, organismal, population, and landscape levels. Multidisciplinary proposals that intersect with other research council domains are also welcomed, provided that the primary focus remains within the BBSRC’s scope. Funding is available for diverse research activities such as research projects, data-intensive studies, equipment procurement, technology development, community resources, new facilities, research...
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### EPSRC-NSF: Exploiting Quantum Information Science in Chemistry
- Published: 2024-09-27
- Modified: 2024-09-27
- URL: https://swoopfunding.com/grants-calendar/epsrc-nsf-exploiting-quantum-information-science-in-chemistry/
- Industry: Biotech, Educational services, Professional scientific and technical services, Sci & Tech Activities
- Country: United Kingdom
This grant provides funding for UK-US research partnerships to explore Quantum Information Science (QIS) concepts within chemical systems. Managed by EPSRC under a UKRI-NSF collaboration, it aims to enhance knowledge and innovation in chemistry through joint projects. Eligible projects can receive funding for up to 36 months, starting July 1, 2025. The UKRI-NSF funding opportunity invites researchers from eligible UK and US organizations to apply for funding aimed at establishing partnerships focused on Quantum Information Science (QIS) concepts in the realm of chemical systems. This initiative, led by the Engineering and Physical Sciences Research Council (EPSRC), seeks to enhance understanding and application of QIS principles in advancing chemistry research. Funding will support up to four joint projects that demonstrate collaborative synergy between UK and US teams, with a project lead from each country. Projects must start by July 1, 2025, and can last for a maximum of 36 months, with a total UK funding limit of £0. 625 million, covering 80% of the full economic cost. Eligible applicants must first submit an expression of interest by November 26, 2024, with successful applicants invited to submit full proposals. This funding opportunity prioritizes equality, diversity, and inclusion, encouraging applications from a broad range of researchers. Projects must address key topics identified in a recent bilateral workshop and showcase the potential for significant advancements in the intersection of chemistry and QIS. Notably, the opportunity excludes projects focused on artificial intelligence, quantum device engineering, or student funding. For further information, check out the website.
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### Purchase mid-range equipment for biomedical research: MRC Equip
- Published: 2024-09-27
- Modified: 2024-09-27
- URL: https://swoopfunding.com/grants-calendar/purchase-mid-range-equipment-for-biomedical-research-mrc-equip/
- Industry: Artificial intelligence, Biotech, Data Analytics/Data Science, Deep Technology, Health care and social assistance, Life Sciences, Medtech, Professional scientific and technical services, Sci & Tech Activities
- Country: United Kingdom
The UKRI Mid-Range Equipment Grant provides funding for UK research organizations to acquire capital equipment essential for biomedical research. Eligible institutions can request contributions ranging from £100,000 to £800,000, covering up to 100% of the equipment cost. This funding supports the acquisition or replacement of mid-range equipment that aligns with the MRC’s strategic priorities, with awards expected to be utilized in the 2025-2026 financial year. Each organization can submit only one application, ensuring a targeted approach to enhance research capabilities across the MRC’s scientific remit. The UKRI Mid-Range Equipment Grant offers a significant funding opportunity for UK-based research organizations seeking to enhance their biomedical research capabilities. Applicants can request a contribution between £100,000 and £800,000 for the acquisition of new or replacement equipment. The funding covers up to 100% of the total economic cost, making it a critical resource for advancing research infrastructure. Although the primary focus is on biomedical research, the grant supports applications from across all scientific areas within the Medical Research Council’s (MRC) remit, with a particular emphasis on proposals aligned with the MRC’s strategic delivery plan for 2022-2025. The funding is available for a single item of capital equipment, which may consist of multiple components forming a unified technology platform. Applications may include associated costs such as installation or service maintenance contracts, provided they are part of the initial manufacturer’s offer and are completed by February 2026. Institutions must demonstrate the added value of new capabilities if applying for replacement equipment and are encouraged to secure...
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### BBSRC Standard Research Grant: 2025 round 1: Responsive mode
- Published: 2024-09-26
- Modified: 2024-09-26
- URL: https://swoopfunding.com/grants-calendar/bbsrc-standard-research-grant-2025-round-1-responsive-mode/
- Industry: Agritech, Biotech, Sustainability, Technology
- Country: United Kingdom
Standard research grants are available to researchers at eligible UK organisations through the Biotechnology and Biological Sciences Research Council (BBSRC). The grants support investigator-led research across BBSRC’s scientific remit, offering up to £2 million for projects lasting up to five years. The Biotechnology and Biological Sciences Research Council (BBSRC) offers standard research grants to support excellent investigator-led research across a wide range of scientific areas within its remit. Eligible UK-based research organisations can apply for funding for projects with a full economic cost (FEC) up to £2 million, with BBSRC covering 80% of this cost. The funding is available for up to five years and can be used for research projects, data-intensive and technology development, equipment, community resources, research networks, or summer schools. Applicants are encouraged to align their proposals with BBSRC’s long-term strategic priorities for 2022-2025. Multidisciplinary projects that cross into other research areas are welcome, though the primary focus should remain within BBSRC’s remit. This grant scheme aims to support the full range of biological research, from molecular and cellular levels to populations and ecosystems. In addition to promoting curiosity-driven research, BBSRC is committed to supporting equality, diversity, and inclusion and encourages flexible working patterns to accommodate individual circumstances. They also follow UKRI’s Trusted Research and Innovation principles, ensuring international collaborations operate within ethical frameworks. For further information, check out the website.
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### 3D Nanoscale Metamaterials Hub for a Sustainable Future
- Published: 2024-09-26
- Modified: 2024-09-26
- URL: https://swoopfunding.com/grants-calendar/3d-nanoscale-metamaterials-hub-for-a-sustainable-future/
- Industry: Engineering, Manufacturing, Sustainability, Technology
- Country: United Kingdom
The Engineering and Physical Sciences Research Council (EPSRC) is offering funding of up to £9. 75 million to create research hubs for 3D nanoscale metamaterials. These hubs aim to support sustainable futures by focusing on material design, manufacturing, and addressing global environmental challenges. Applicants must be based at a UK research organisation. The Engineering and Physical Sciences Research Council (EPSRC) is inviting applications for funding to establish research hubs focused on developing 3D nanoscale metamaterials. The funding opportunity aims to support hubs that deliver significant advancements in the understanding, design, and production of metamaterials, addressing critical national and global environmental challenges. The focus is on materials that underpin technologies promoting sustainability. The full economic cost (FEC) of projects can be up to £12. 1875 million, with EPSRC funding 80% of this amount (£9. 75 million). Eligible UK-based research organisations can apply, and international co-leads are allowed under specific agreements. The research hubs should take an end-to-end approach, covering fundamental discovery, manufacturing, and translation into real-world applications, while also promoting equality, diversity, and inclusion. The grant supports high-quality interdisciplinary research, engagement with industry, and the development of a skilled workforce in the field. Hubs are expected to have a national leadership role, driving innovation in metamaterials for environmental sustainability, and addressing broader technological challenges. Projects can run for a minimum of 36 months and a maximum of 60 months, with flexible funds available for outreach, secondments, and small-scale collaborative projects. For further information, check out the website.
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### AHRC responsive mode: standard research grant: round six
- Published: 2024-09-26
- Modified: 2024-09-26
- URL: https://swoopfunding.com/grants-calendar/ahrc-responsive-mode-standard-research-grant-round-six/
- Industry: Art, Creative, Media
- Country: United Kingdom
The Arts and Humanities Research Council (AHRC) is offering funding between £300,000 and £1. 5 million for collaborative research projects in the arts and humanities. Eligible UK-based research organisations must include a project lead and at least one co-lead, with AHRC funding 80% of the project’s full economic cost. Projects can last up to five years. The Arts and Humanities Research Council (AHRC) invites applications for standard research grant funding to support well-defined, collaborative projects in the arts and humanities. Eligible UK-based research organisations can apply for funding between £300,000 and £1. 5 million, with AHRC funding 80% of the project’s full economic cost (FEC). The grant requires a project lead and at least one project co-lead to jointly manage the project and co-author research outputs. Co-leads may include international collaborators, with up to 30% of the total FEC dedicated to international co-leads, funded at 100%. Eligible projects should foster collaboration across institutions, sectors, or disciplines, with a focus on promoting knowledge transfer beyond academia. This funding opportunity is designed to support both senior and early-career researchers and enhance effective working relationships. The maximum project duration is five years, and projects must start at least nine months after submission. For full eligibility details and guidance on Trusted Research and Innovation (TR&I), applicants are encouraged to consult UKRI’s Research Funding Guide. For further information, check out the website.
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## Sectors
### Self-employed loans with no proof of income
> Self-employed workers & sole traders often require business financing and are usually asked for proof of income. See how to apply for funding without this here.
- Published: 2023-08-22
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/sectors/self-employed/self-employed-loans-with-no-proof-of-income/
- Business sectors: Sector guides
Guide to self-employed loans with no proof of income Self-employed workers and sole traders often require business financing. Get a quote To secure this type of borrowing, they will usually be asked for proof of income. But what do you do when you can’t show evidence of the money you make? Read on to learn more about loans for self-employed with no proof of income - and how to can get them. Don’t let a lack of paperwork slow your business down. What is proof of income? Proof of income is verifiable documentation that shows how much you have earned (or will earn) over a given period of time. Typically, you’re being asked for proof of a steady source of income. For the self-employed – sole traders, freelancers, and gig workers – providing such evidence means showing tax returns, trading accounts prepared by your accountant, work contracts, and recent bank statements to whoever is asking for this information – usually lenders, landlords, and leasing companies. Get a quote Why do lenders ask for proof of income? Lenders must be certain that you have enough income to support the repayment schedule of the loan you are applying for. If you can’t show steady and predictable income, it may make it more difficult for you to borrow money. It can also negatively impact other financial agreements, such as renting business premises, leasing vehicles or equipment, even securing accounts with utility companies for the supply of energy and water. Top tip: Lenders will...
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### Self-employed loans with bad credit
> There are more than 4 million self-employed workers in the UK, and many of them will require extra funding to support their business at some point in time.
- Published: 2023-08-22
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/sectors/self-employed/self-employed-loans-with-bad-credit/
- Business sectors: Sector guides
Guide to self-employed loans with bad credit There are more than four million self-employed workers in the UK, and many of them will require extra funding to support their business at some point in time. Get a quote Unfortunately, due to erratic income, the self-employed often have bad credit, which makes it more difficult for them to borrow. So what can these entrepreneurs do? Read on to discover everything you need to know about loans for self-employed with bad credit, and how to secure the funds you need. What is bad credit? The term ‘bad credit’ refers to a person's history of not paying bills or loan repayments on time and the increased likelihood that they will fail to make timely payments in the future. In practice, bad credit really means a poor credit score – the calculation that lenders use to determine the default risk of any borrower. Most UK self-employed workers are sole traders, freelancers, and gig workers. When they want to borrow money, lenders will typically check their personal credit score, (although some sole traders may also have a business credit score which is different from a personal credit rating). If your score is too low – defined as having ‘bad credit’ – it can be more difficult to borrow money, especially at competitive interest rates. Get a quote How does bad credit work for the self-employed? In the UK, most credit scores are provided by the big three credit rating agencies - Equifax, Experian and TransUnion....
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### Inventory financing
> Inventory finance can take the pain out of stocking up and protect your working capital. Buy now. Let future sales cover the cost.
- Published: 2023-08-22
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/sectors/inventory-financing/
- Business sectors: Business loans
Inventory financing Inventory finance can take the pain out of stocking up and protect your working capital. Buy now. Let future sales cover the cost. Get a quote 90% of SMEs face a cash crunch at least once a year – and paying for inventory that takes too long to sell is a prime cause of this liquidity issue. Put simply, buying inventory now, then waiting months to get your cash back is a financial back hole that too many UK small and medium-sized businesses fall into. But it doesn’t have to be like that. Read on to find out more. What is inventory finance? Inventory finance, (also known as warehouse finance) is the term for a short-term business loan or revolving line of credit that is used to buy inventory – finished goods, components, raw materials – which are typically warehoused by the buyer before selling them to their customers. The purchased goods and materials act as security for the lending. Inventory finance is an important tool to support cash flow, as it can iron out the imbalance in income and expenditure caused by paying for goods or materials before their costs can be recouped from customers. Inventory finance may also enable growth, as it can allow businesses to hold more stock and attract more sales, than if they had to pay for stock upfront with cash. Businesses choose inventory financing to:Cover short-term cash shortagesPrepare and stockpile inventory for the busy seasonBuy in bulk to secure bigger discountsExpand product...
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### Self-employed
> Like most businesses, there are times when the self-employed need a business loan. But what kind of loans are available, and what do you need to secure them?
- Published: 2023-04-04
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/sectors/self-employed/
- Business sectors: Business loans
Self-employed business loans Candlestick makers, dressmakers, bakers, video game makers - the self-employed and sole traders are some of the nation’s most entrepreneurial workers. Apply now However, like most businesses, there are times when the self-employed need a business loan. But what kind of loans are available, and what do you need to secure them? Read on the find out all you need to know about business loans for the self-employed. What loans are available for the self-employed? Just because you’re self-employed, it doesn’t mean you can’t get a business loan. Lenders may require more paperwork from sole traders and the self-employed than they would from fully employed borrowers or larger companies, but there are still finance options for those who work for themselves:Unsecured loan: Similar to a personal loan. It does not require you to provide security (collateral) to the lender. Unsecured loans are primarily based on your credit history and personal income instead of your business’ performance. A good credit score is typically required to obtain an unsecured loan, and the sum you can borrow may be less than you may secure with other finance options. Small business loan: Works like a regular bank loan and is issued for business purposes. The lender will usually check your personal and business credit score as part of the due diligence process. Your business records will also be reviewed to assure the lender that your business generates enough income to cover the repayments. Secured loan: You provide collateral to protect the...
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### Convenience stores
> Convenience store financing is funding to help start, buy, expand or operate a convenience store, available with minimum fuss, and often at short notice.
- Published: 2023-02-16
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/sectors/convenience-stores/
- Business sectors: Business loans
Convenience store finance and loans By definition, convenience stores are designed to make our lives easier. So we've made getting funding for them easier. Get a quote No matter if they’re a traditional corner shop, part of a glossy national chain, or big enough to be a mini-supermarket, convenience stores are the places we go when we need something in a hurry. Convenience store financing is much the same thing – funds to help start, buy, expand or operate a convenience store, available with minimum fuss, and often at short notice. Read on the find out all you need to know about convenience store finance and loans. What is convenience store financing? There are almost 50,000 convenience stores in the UK and they come in all shapes and sizes – from small family-run corner shops to large-scale franchise operations and thousands of petrol station stores. Convenience store financing includes commercial loans, mortgages, and other financial products created to suit the unique nuances of the convenience store industry. Borrowed funds may be used for a variety of purposes:Start a new storeBuy an existing storeExpand and develop an existing storeShore up working capitalBuy into a convenience store franchise chainPay outstanding VAT Get a quote How do these loans work? Convenience store loans are provided by lenders who service the unique financial demands of the industry. Loans may be offered unsecured, or security in the form of a lien against property or other types of hard asset may be required. Experience in the...
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### Food trucks
> Securing funding for your food truck is key to long-term success. Read on to find out more about food truck finance and how it can keep your business going.
- Published: 2023-01-13
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/sectors/food-trucks/
- Business sectors: Business loans
Business loans for a food truck Think of street food and you think of delicious dishes served for immediate consumption with just the sky above your head. Get a quote Fast-food served outdoors is big business in the UK and king of the street food industry is the food truck – a mobile kitchen selling everything from fish and chips, to BBQ, tacos, wraps, rice bowls, curries, smoothies and empanadas. Growing at a meteoric pace, the UK street food industry is worth more than £600million per year, a statistic that is drawing more entrepreneurs to this niche area of hospitality. However, launching a food truck can be expensive and even well-established operators can suffer from seasonal low points or when the weather turns to rain or snow. Securing adequate funding for your food truck is therefore key to long-term success. Read on to find out more about food truck finance and how it can keep your mobile fast-food business firmly on the road. Why are mobile food trucks becoming popular business choices? Food trucks are a common sight in many US cities, but until recently, they were a rarity in the UK, with menus limited to basic foods such as hamburgers, ice creams, and hot dogs. However, an explosion in take-away food before, during and after the COVID-19 pandemic has seen a boom in food trucks on British streets and now they offer food from every corner of the globe. Popular with sports fans, events and concert goers, as well...
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### Restaurant loans
> Finance can be secured for restaurants, cafes, take-away outlets, sandwich bars, coffee shops and more. Read about the available options or apply here.
- Published: 2023-01-13
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/sectors/restaurant-loans/
- Business sectors: Business loans
Loans to open a restaurant Despite the pandemic and a series of economic shocks, the UK hospitality industry still goes from strength to strength. Get a quote With the UK restaurant trade expected to expand by 2. 1% in 2023, and deliver more than £19billion in gross turnover, it’s a good time to own or launch a place to eat. Best of all, restauranteurs seeking finance to buy, build, expand, or refurbish restaurants, or cover their everyday expenses are now spoilt for choice. Read on to discover everything you need to know about this feast of loans for restaurants. What restaurant business loans are available? There are restaurant business loans to furnish almost every need:Buy, build, refurbish, or expand a restaurant. Join a restaurant franchise. Secure working capital to pay day to day expenses. Start a new restaurant. Pay your VAT. Finance can be secured for restaurants, cafes, take-away outlets, sandwich bars, coffee shops and more. Many of these loans require no additional security. Even if you’ve been turned down elsewhere, or you have bad credit, it may be possible to obtain the funds your hospitality business needs. Get a quote The different types of restaurant business loans explained Restaurant loans to spur growthLoans to buy or build a restaurant:Commercial mortgages may be used to buy an existing restaurant, buy a property and convert it into a restaurant, or build a new eatery from the ground up. Borrow up to 90% of LTV (loan to value, a comparison of the...
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### Car garage
> Don’t put your purchase or expansion plans on hold because of cashflow issues – use a car garage mortgage to fuel your growth and get your business on the road.
- Published: 2023-01-13
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/sectors/car-garage/
- Business sectors: Business loans
Car garage commercial mortgages With more than 40 million vehicles registered in the UK at the end of 2022, and the growth of electric vehicles driving a new motoring boom, it’s a good time to be in the automotive industry. Get a quote As sales and vehicle service needs grow to reflect the surge in motorcycles, cars, vans, and trucks on UK roads, so established and startup automotive businesses need more and bigger premises. However, buying, expanding or refurbishing showrooms, garages and filling stations is not cheap, and no matter if they’re big, small, new or old, most automotive businesses will need to finance their transaction. This is where commercial mortgages for car garages come in. Don’t put your purchase or expansion plans on hold because of cashflow issues – use a car garage mortgage to fuel your growth ambitions and get your business on the road. What is a car garage mortgage? Car garage mortgages are commercial property loans used to buy existing car garages, petrol stations, MOT and car repair centres, tyre shops, or new and used car showrooms. They may also be used to pay for the construction of new automotive trade and retail properties and to purchase or build properties that sell commercial vehicles or provide maintenance services for vans, trucks and other forms of haulage transport. Commercial mortgages may be secured to cover up to 90% of the LTV, (loan to value – a comparison of the size of the loan to the value of...
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### Vineyard finance
> From commercial mortgages to startup loans and working capital finance, vineyard loans are available to solve every grower’s need. Read funding options here.
- Published: 2023-01-11
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/sectors/vineyard-finance/
- Business sectors: Business loans
Vineyard finance Through bad times and good times, there’s one thing you can be sure of – the UK still loves a glass of wine. Get a quote Despite significant drops in production and consumption in the first year of the pandemic, UK wine sales are now forecast to grow by more than 11% per year in 2023-25. However, even as sales rise, costs are rising too, leaving many UK wine growers struggling to modernise their facilities, expand their area under vines, and pay ballooning overhead. Fortunately, this is where vineyard finance can come to the rescue: From commercial mortgages to startup loans and working capital finance, vineyard loans are available to solve every grower’s need. Don’t let financial issues sour your winemaking ambitions. Read on to find the best loan for your vineyard. What types of loan are available for vineyards No matter if you’re seeking to expand production, pay taxes, start a vineyard, or buy property, there’s a vineyard loan for you. Get a quote Commercial land mortgageWine growing is a land intensive business, but in the UK, even agricultural land can be expensive. This means wine growers who wish to buy an existing vineyard or buy raw land to plant new vines will typically need finance for the transaction. Unlike residential home loans, where one size often fits all, commercial mortgages are tailored to the unique demands and business of the borrower. Borrow up to 90% of the LTV (loan to value – a comparison of the...
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### Brewery finance
> From commercial mortgages to startup loans and working capital finance, brewery loans are available to solve every brewer’s need. Read more or apply here.
- Published: 2023-01-11
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/sectors/brewery-finance/
- Business sectors: Business loans
Brewery finance Through bad times and good times, there’s one thing you can be sure of – the UK still loves a glass of beer. Get a quote Despite significant drops in production and consumption in the first year of the pandemic, UK beer sales rebounded strongly in 2021 and are forecast to grow by more than 13% per year in 2023-25. However, even as sales rise, costs are rising too, leaving many UK brewers struggling to modernise their facilities, expand product lines, and pay ballooning overhead. Fortunately, this is where brewery finance can come to the rescue: From commercial mortgages to startup loans and working capital finance, brewery loans are available to solve every brewer’s need. Don’t let your beermaking ambitions fall flat. Read on to find the best loan for your brewery. What types of finance are available for breweries? No matter if you’re seeking to expand production, pay taxes, start a brewery, or buy property, there’s a brewery loan for you. Get a quote Equipment financeMaking a tasty pint of beer doesn’t come cheap. Brewery equipment can be expensive and to keep on top of expanding consumer tastes, brewers must continually modernise to stay ahead of the competition. Asset finance can take the sting out of buying big-ticket plant and machinery. Buy over time and use the equipment as you pay for the equipment. The asset acts as security for the loan. In many cases, there is no need to provide extra collateral. Commercial mortgagesBrewers who wish...
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### Cow & livestock finance
> Cow and livestock finance are loans that farmers can use to pay for the tools and products they need to raise live animals, particularly beef and dairy herds.
- Published: 2022-12-22
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/sectors/cow-livestock-finance/
- Business sectors: Business loans
Cow & livestock finance Livestock farming is big business in the UK - 45,000 farms produced over £16billion worth of livestock product, and more than 60% of all UK farming output in 2021. Get a quote However, with big business come big expenses, and in an industry where margins are notoriously tight and seasonal cash flow problems persist, spending large sums on herd replenishment, feed, and veterinary bills can stretch farms to the limit. Fortunately, this is where cow and livestock finance can help – fast, affordable loans to meet working capital needs, or pay for large-scale investments such as milking sheds, feed processors, and vehicles. Read on to discover more about this agricultural funding and to find the best livestock finance for your farm. What is livestock finance? Cow and livestock finance are loans that farmers can use to pay for the important tools and products they need to raise and process live animals, particularly beef and dairy herds. The funding can pay for short-term costs, such as buying cattle, sheep, pigs and chickens, and paying for feed and medical services, or it can pay for investment costs such as plant, machinery and shelters. Depending on the type of loan and the purpose for which it is used, livestock loans may be short-term, paid back in 1 – 7 years, or long-term, with repayment plans over 1 – 25 years. Some loans require no security (collateral), while some may require a charge over land, buildings, or other capital assets....
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### Guest house finance
> This funding can be used to refinance a current guest house loan, renovate your building, acquire/build a new guest house, or cover seasonal quiet spots.
- Published: 2022-12-22
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/sectors/guest-house-finance/
- Business sectors: Business loans
Guest house finance Just like hotels and B&Bs, UK guest houses are booming as the world recovers from the pandemic. Smaller than most hotels, but larger than your average B&B, guest houses fill an important niche in the hospitality industry. Get a quote With more than 29million overseas visitors expected in 2023, plus domestic trade that is almost back to pre-pandemic figures, now is a good time to be a guest house owner. However, to buy, start, and run a successful guest house, owners and entrepreneurs will typically need additional funding. Read on to find out more and to discover what you need to secure the best finance for your guest house business. Business loans and mortgages for buying a guest house Guest house finance comes in many shapes and sizes. This funding can be used to refinance a current guest house loan, renovate your building, acquire or build a new guest house, or cover seasonal quiet spots that create a cashflow squeeze. Guest house finance is tailored to fit the unique financial circumstances of the hospitality industry, and in many cases, the property or acquired assets work as security and there is no need to provide additional collateral. This means guest house owners and companies that have weak credit or have been previously turned down for funding may still be able to obtain the financing their business needs to grow. Get a quote Which type of finance is best for my guest house? Match the right business loan to...
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### Crop finance
> Crop finance are loans that farmers can use to pay for the important tools and products they need to farm their arable land. Discover funding here.
- Published: 2022-12-22
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/sectors/crop-finance/
- Business sectors: Business loans
Crop finance Farming is big business in the UK - agriculture contributed around 0. 5% to the economy, employed over half a million people, and provided half the food we ate in 2021. Get a quote However, big business also means big expenses, and in an industry where margins are notoriously tight and seasonal cash flow problems persist, spending large sums on seed, pesticides, and crop storage can stretch farms to the limit. Fortunately, this is where crop finance can help – fast, affordable loans to meet working capital needs, or pay for large-scale investments such as grain silos and processors. Read on to discover more about this agricultural funding and to find the best crop finance for your farm. What is crop finance? Crop finance are loans that farmers can use to pay for the important tools and products they need to farm their arable land. The funding can pay for short-term costs, such as buying seed, pesticide and diesel fuel, or it can pay for investment costs such as plant, machinery and crop storage facilities. Depending on the type of loan and the purpose for which it is used, crop loans may be short-term, paid back in 1 – 7 years, or long-term, with repayment plans over 1 – 25 years. Some loans require no security (collateral), while some may require a charge over land, buildings, or other capital assets. Get a quote How does crop finance help generate revenue? A cashflow squeeze can hamper a farmer’s ability...
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### Bus and coach finance
> As passenger numbers grow, so bus and coach operators must update, replace and expand their vehicle line-ups. Read about funding options and apply here.
- Published: 2022-12-22
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/sectors/bus-and-coach-finance/
- Business sectors: Business loans
Bus and coach finance As the post-COVID-19 recovery gathers pace, the UK’s road passenger transport network is roaring back to life. Get a quote Demand for buses and coaches was up by more than 100% in England in the first quarter of 2022. As passenger numbers grow, so bus and coach operators must update, replace and expand their vehicle line-ups. No matter if you need one vehicle, or a whole fleet of buses and coaches, financing your acquisition(s) makes best business sense. Read on to find out more about bus and coach finance and how it can put you in the driving seat. Finance products we support for the bus and coach industry Instead of putting strain on cashflow and tying up hard-won capital in your vehicles, spread the cost over time. Get a quote Bus financeWhether you need new buses to manage city operations, a rural network, charter hire, or shuttle runs, financing your operations with one of our borrowing options is the best way to go. Buy to keep, rent with an option to buy, or simply rent and return. Whichever route is best for your bus business, we have the right loan for you. Coach financeNever ending disruptions to the UK’s rail network reveal how important coach operators are to keep the nation on the move. Whether you’re replacing older vehicles or expanding to meet demand, financing your operations with one of our borrowing options is the best way to go. Buy to keep, rent with an...
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### Business loans for bed and breakfasts
> B&B funding can be used to refinance a current B&B loan, renovate your building, acquire an existing B&B, build a new bed and breakfast, or cover quiet spots.
- Published: 2022-12-22
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/sectors/business-loans-for-bed-and-breakfasts/
- Business sectors: Business loans
Business loans for bed and breakfasts There are more than 35,000 registered Bed and Breakfast businesses in the UK and, since the arrival of global hospitality giant Airbnb in 2009, traveler interest in the UK’s small and privately-run visitor accommodation has seen exponential growth. Get a quote This means it’s a good time to own a B&B. However, to buy, start, and run a successful B&B, owners and entrepreneurs will typically need additional funding. Read on to find out more and to discover what you need to secure the best business loan for your bed and breakfast. What business loans are available for B&Bs Business loans for bed and breakfasts come in a variety of shapes and sizes. They can be used to refinance a current B&B loan, renovate your building, acquire an existing B&B, build a new bed and breakfast, or cover seasonal quiet spots that create a cashflow squeeze. These loans are often tailored to fit the unique financial circumstances of the hospitality industry. In many cases, the property or acquired assets work as security and there is no need to provide additional collateral. This means B&B owners and companies that have weak credit or have been previously turned down for funding may still be able to obtain the financing their business needs to grow. Get a quote Common types of B&B funding:Commercial mortgage: These are long-term loans that you use to buy an existing B&B or to build a new one. Borrow up to 90% of the...
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### Hotel funding
> Hotel funding can be used to refinance a current hotel loan, renovate your hotel building, acquire an existing hotel, build a new hotel, or cover seasonality.
- Published: 2022-12-08
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/sectors/hotel-funding/
- Business sectors: Business loans
Hotel funding There are almost 10,000 hotels in the UK, and they generated revenues of more than £13. 5billion in 2022. Get a quote Even with the pandemic, the industry has managed average growth every year since 2017 and forecasts for the future reveal this trend is not a blip. However, with success comes rising expectations. Customers want increasing value for their money, which puts hotels in fierce competition to expand, renew and innovate to catch their share of a growing market. Unfortunately, such strategies don’t come cheap. Buying hotels, building new, or engaging in extensive refurbishments is expensive, and in an industry where margins are under constant pressure, paying for long-term investment with short-term working capital can be an issue. Fortunately, there’s a solution to this dilemma: Hotel owners can stay ahead of their competitors without putting strain on cashflow by using hotel loans and mortgages to pay for upgrades, acquire new properties, or cover seasonal low points. Read on to discover more about these types of funding and how to put your hotel’s financial problems comfortably to bed. What is hotel funding? Hotel funding comes in a variety of shapes and sizes, and it can be used to refinance a current hotel loan, renovate your hotel building, acquire an existing hotel, build a new hotel, or cover seasonal quiet spots that create a cashflow squeeze. These loans are often tailored to fit the unique financial circumstances of the hotel industry, and in many cases, the property or acquired...
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### Haulage finance and HGV loans
> There are many types of haulage finance and HGV loans, and they may be arranged quickly and with little fuss. Find out more and apply through Swoop.
- Published: 2022-12-08
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/sectors/haulage-finance-and-hgv-loans/
- Business sectors: Business loans
HGV finance Moving stuff from A to B is big business. In 2022, the United Kingdom road freight market was worth more than £45billion – with turnover expected to reach £51billion by 2028. Get a quote Transporting everything from car parts and canned peas to soft drinks and summer shoes, truckers and the 34,000 firms they drive for are the lifeblood of our economy. However, booming as business may be, many haulage businesses still struggle to pay the bills. A difficult mix of slow paying customers, expensive vehicles, rising energy costs, and increasing regulations is creating a cashflow crisis with firms of every size. Fortunately, haulage finance and HGV loans are available to ease the economic pain. Use them to pay for everything from buying trucks and buildings, to paying tax, covering wages, or filling up the tank. Read on to find out more about affordable haulage finance and HGV loans, and how they can put you and your haulage business firmly in the driving seat. Quick and straightforward HGV loans and funding UK road hauliers operate in an industry where time is money. Waiting for cashflow to improve so you can buy urgently needed parts and equipment or purchase the new vehicles you need is not an option. Waiting means losing out, which is why financing these kinds of needs immediately makes sound business sense. Buy what you need now, pay back over time, keep the pipeline moving. There are many types of haulage finance and HGV loans, and...
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### Care home finance
> A care home mortgage is a commercial mortgage used to buy, develop, or refinance a care home. Find out more funding options and apply here.
- Published: 2022-12-08
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/sectors/care-home-finance/
- Business sectors: Business loans
Care home finance Like most advanced economies, the UK has an ageing population, with more than 15. 5 million people beyond the age of 60, and 3. 2 million over 80, a figure that is projected to quadruple by 2041. Get a quote As people get older, they need more assistance to carry out basic activities, and many require the kind of full-time attention that only a care home can provide. This potent mix of ageing citizens and booming demand has seen the UK care home industry mushroom, with revenues reaching £15. 9billion in 2021. Clearly, buying a care home or expanding an existing care facility can make good financial sense. However, instead of using cash, care home finance and mortgages are the best way to fund business growth. Read on to find out more and discover how to fund your care home without piling strain on cashflow. What is a care home mortgage? A care home mortgage is a commercial mortgage used to buy, develop, or refinance a care home. This may mean buying an existing care home, starting from scratch with a new property, expanding an existing facility, or extracting equity for liquid cash. Care home mortgages function like residential mortgages, where a lender provides a percentage of the purchase price based on LTV (loan-to-value, a comparison of the size of the loan to the value of the property), and the borrower repays the loan in instalments, as either capital + interest, or interest only and a lump...
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### Buy a care home
> Buying a care home or expanding an existing care facility can make good financial sense, and many buyers will seek a care home mortgage to fund their purchase.
- Published: 2022-12-08
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/sectors/buy-a-care-home/
- Business sectors: Business loans
Funding to buy a care home The UK care home industry is big business. An ageing population means millions of people are needing assistance to carry out basic activities, often with the kind of full-time attention that only a care home can provide. Get a quote This is creating a booming demand for care facilities and has seen the UK care home industry mushroom, with revenues reaching £15. 9billion in 2021. Buying a care home or expanding an existing care facility can make good financial sense, and many buyers will seek a care home mortgage to fund their purchase. However, buying a care home is not as simple as buying a house. Different rules apply. Buyers must conform to a raft of regulations and lenders will carefully scrutinise the business side of the transaction as well as the property. Success depends on ticking all the boxes. Read on to find out more about buying a care home with a mortgage, and how to ensure your purchase is five stars all the way. What funding is required to buy a care home? Buyers seeking to purchase a care home will typically fund the acquisition with a commercial mortgage. This is a business loan used to buy, develop, or refinance a care home – which can mean buying an existing care home, starting from scratch with a new property, expanding an existing facility, or even extracting equity for liquid cash. Care home mortgages function like residential mortgages, where a lender provides a...
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### Farm equipment financing
> Farm Equipment Financing - special plant and machinery loans to help UK farmers buy the equipment they need without increasing strain on cashflow.
- Published: 2022-12-02
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/sectors/farm-equipment-financing/
- Business sectors: Business loans
Farm equipment financing We rely on UK farms to provide half the food we eat. To keep our shopping baskets full, farmers must squeeze maximum production from every acre that they manage. Get a quote Automation is the best answer to this challenge, but agricultural machines, technology and plant are not cheap. How can UK farms obtain the equipment they need to grow when margins are shrinking, and farm finances are under heavy pressure? Step forward Farm Equipment Financing - special plant and machinery loans to help UK farmers buy the equipment they need without increasing strain on cashflow. Read on to discover more about Farm Equipment Financing and how it puts farmers in the driving seat. Equipment finance: the catalyst for growth Ever since the first steam traction engines arrived on farms in the 1850’s, mechanical invention has expanded farm productivity, with more output per acre year on year. Modern UK farms are now unrecognisable from the farms of 100 years ago. They’re bigger, more productive, and grow a greater diversity of crops and animals. Mechanisation is behind this expansion and it’s the reason why today’s farms produce more than £30billion in products and services every year. Unfortunately, the need for continual growth impacts farm finances. Despite record food demand, many UK farmers are receiving less for their production as margins continue to dwindle. Buying the necessary farm machinery, plant, and technology to stay competitive is essential, but further strain on cashflow must be avoided. This is where agricultural...
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### Nursery funding
> Setting up a nursery can be emotionally and financially rewarding for those who prepare thoroughly and follow a solid plan. Secure your funding with Swoop.
- Published: 2022-11-29
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/sectors/nursery-funding/
- Business sectors: Business loans
Nursery funding Like all educational organisations, day nurseries suffered badly during the COVID-19 pandemic. Get a quote However, since the re-opening of the economy, demand for childcare places has ballooned to all-time highs. Furthermore, with 69% of UK mothers stating that reliable childcare is their avenue back to work, and 40% saying that good quality nurseries are the key, it’s clear the current boom is not a fleeting blip, it’s a long-term trend. Why start a nursery? All in all, there’s never been a better time to start a new childcare nursery. However, securing premises, hiring staff, meeting regulatory demands and establishing your nursery brand all cost money. Without sufficient funding, your big idea may remain nothing more than a dream. But not to worry. Specialised finance to start and support day nurseries is available. No matter if you wish to buy a business or a building, or just cover daily overhead, there’s a nursery loan to suit your needs. Read on to find out more about nursery funding and how it can make child’s play of setting up your childcare centre. Get a quote Setting up a nursery Setting up a nursery can be emotionally and financially rewarding for those who prepare thoroughly and follow a solid plan. Follow these key steps to get your nursery venture off the ground:Research the qualifications you may need – and if you don’t have them, what are the steps to secure them? Establish what kind of day nursery you intend to operate...
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### Dental practice loans
> Dental practices sell products and services that are in high demand. Well established practices can provide solid profit margins and income for their owners.
- Published: 2022-11-29
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/sectors/dental-practice-loans/
- Business sectors: Business loans
Buy a dental practice After more than two years of pandemic lockdowns and restrictions, large numbers of the UK population are seeking medical treatments to get them back to health. Get a quote As a result, dental practices have been inundated and are struggling to meet demand. However, busy surgeries mean good business and dental practices are booming, with profits and salaries climbing year on year. This means buying a dental practice can make good economic sense, although for many buyers, the upfront costs may put a purchase out of reach. But not to worry. Dental practice finance can take the pain out of the transaction. Read on to find out how commercial mortgages, business loans and working capital finance can bridge the gap to help you buy the dental practice you need. How to buy a dental practice Dental practices are dynamic businesses, selling products and services that are in high demand. Well established practices can provide solid profit margins and good income for their owners - principal dentists at UK practices had an average personal income of £122,000 in 2020/21. Buying a practice would be a logical step for an Associate Dentist wishing to take the next big step in their career, or seasoned dentists wishing to expand their current dental business. However, buying a practice that may rely heavily on NHS fees, strong patient retention rates, high maintenance and staffing costs, and a requirement to constantly modernise and stay ahead of new procedures, is not a simple...
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### Agricultural mortgage
> An agricultural mortgage (aka farm mortgage) is a long-term loan used to buy rural real estate or to release equity from a farm property. Apply here.
- Published: 2022-11-29
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/sectors/agricultural-mortgage/
- Business sectors: Business loans
Agricultural mortgages There are over 200,000 farms in the UK, and in 2021, the average farm had a turnover of more than £317,000 per year. Get a quote Clearly, farming is big business, which means those who wish to buy a farm should use a business loan. Agricultural mortgages are specialised financial products designed to work with the unique economics and working patterns of the farming industry. More flexible than many other types of property loan, they can open the door to ownership for the first-time farmer or plough the way for experienced professionals seeking to expand their farming footprint. What is an agricultural mortgage? An agricultural mortgage (sometimes called a farm mortgage) is a long-term loan used to buy rural real estate or to release equity from a farm property. Agricultural loans are similar to standard commercial mortgages except they are tailored to fit the unique economics of the agricultural industry. Get a quote How do agricultural mortgages work? Agricultural mortgages are usually paid back over 1 – 25 years and they may be capital + interest loans (you pay interest and some of the borrowed capital back each month), or interest-only loans (you only pay interest each month and then make a lump sum repayment at the end of the term). Mortgages of up to 90% of LTV (loan to value – the size of the loan in comparison to the value of the property) may be possible, depending on the status of the borrower. The lender will...
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### Agricultural loans
> Many farms suffer from erratic cash flow caused by patchy income and volatility in the prices they pay for supplies and the prices they achieve for their products.
- Published: 2022-11-29
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/sectors/agricultural-loans/
- Business sectors: Business loans
Agriculture loans There are more than 200,000 farms in the UK and in 2021, they contributed 0. 5% to our GDP, provided half the food we eat, and employed almost half a million people. Get a quote Clearly, farming is big business, but unfortunately, it’s also very seasonal. Many farms suffer from erratic cash flow caused by patchy income and volatility in the prices they pay for supplies and the prices they achieve for their products. This can leave many farms struggling to expand, unable to cover supply costs, and late to pay mandatory obligations, such as VAT. Specialised agricultural finance has grown to plug these gaps – providing tailored long-term loans to buy land and expand production, VAT loans to keep the taxman happy, and working capital finance to meet the daily needs. Read on for an overview of agricultural loans and how they can help you grow your farm into a high-performing business. Supporting the agricultural sector to find the funding they need Many farms are land rich and cash poor, with income that is volatile. Their erratic cashflow may be the result of seasonal patterns, or it could be caused by slow payment by large wholesale buyers. Either way, lack of working capital, or investment funds to expand, puts a brake on profitability and can cause permanent harm to the business. Farmers often need funding to buy more land, build infrastructure, pay for supplies, such as seed or cattle, and invest in new machinery. Fortunately, as diverse...
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### Petrol station finance
> Petrol stations are one of the few UK retail businesses that can provide 24/7 revenues. Read how to get funding to buy or expand your petrol station here.
- Published: 2022-11-24
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/sectors/petrol-station-finance/
- Business sectors: Business loans
Loans to buy a petrol station Petrol stations are one of the few UK retail businesses that can provide 24/7 revenues. Get a quote From motorists buying fuel and travelers wanting snacks, to last-minute shoppers needing an essential item or early birds chasing their daily newspaper, petrol stations can generate a constant stream of customers. This means buying a petrol station can be a solid business opportunity, however, petrol stations don’t come cheap. Whether you buy a franchise operation, or an independent station, the cost can be high – for example, a BP franchise will typically require a total investment of £2million by the time the franchise fee, startup costs and shop build-out are factored in. Few people will have the cash required to buy a UK petrol station, however, there are a range of loans available to fund the purchase and upfront costs. Read on to find out more about petrol station loans and how to get your next big business concept firmly on the road. What types of loan are available to buy a petrol station? Petrol station loans fall into two main categories:Commercial mortgages or franchise finance to fund a purchase and/or redevelopment costsCommercial mortgages function like a regular residential mortgage. The lender provides part of the cost to buy the petrol station, and they take a legal charge over the property as security. You pay back the loan over 20 – 30 years. This type of loan may also cover some of the initial build-out costs,...
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### Pub finance
> Pub finance can be used to cover cashflow dips, buy inventory, refurbish premises, even buy a pub or join a franchise operation. Read more here at Swoop.
- Published: 2022-11-18
- Modified: 2025-02-17
- URL: https://swoopfunding.com/uk/sectors/pub-finance/
- Business sectors: Business loans
Pub finance The UK is a mecca for pubs. With almost 40,000 establishments selling a diverse array of food and drink, the sector generated almost £15billion in sales in 2021. Get a quote This figure is down on pre-pandemic levels, and with new and rising costs to cope with, the UK pub industry still needs financial support. Pub financing offers a choice of loans to fill the gaps in cashflow, pay for renovations, and bring pubs back to life. Instead of calling time at your local, pub loans can make your pub a hospitality powerhouse. What types of pub finance are available? Pub finance can be used to cover cashflow dips, buy inventory, refurbish premises, even buy a pub or join a franchise operation. Some pub loans can place a lump sum into your bank account within a matter of hours and repayment terms can range from one year or less for a cashflow loan, to many years for a commercial mortgage. Interest rates will vary according to the type of loan, the repayment terms, and the status of the borrower. Let’s look at the different types of financing available for your pub: Cashflow funding The hospitality trade can be very seasonal. Sales may rise and fall throughout the year. Cashflow loans can help pubs through the quiet times and are popular type of finance. Cashflow (working capital) loans for pubs include:Merchant cash advance: Pubs borrow against their customer card receipts. The loan is repaid as a percentage of monthly...
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### Shopify loans
> As e-commerce continues to expand, online businesses must get bigger, but this can pose a problem for Shopify merchants who lack the funds to fuel growth.
- Published: 2022-11-18
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/sectors/shopify-loans/
- Business sectors: Business loans
Shopify loans E-commerce is a big business in the UK. In 2021, online traders generated £185billion in revenues and accounted for 37% of all retail sales. Get a quote One of the largest online platforms is Shopify, an e-commerce provider that hosts online stores for more than 150,000 UK manufacturers, retailers, artists, and charities. As e-commerce continues to expand, online businesses must naturally get bigger, but this can pose a problem for Shopify merchants who lack the funds to fuel growth. Fortunately, there’s a solution – e-commerce loans can give traders the cash they need to cover costs and expand their sales footprint. Read on to find out more about e-commerce loans from Shopify and a host of other lenders. What is a Shopify loan? Shopify loans provide financial support for Shopify member businesses. The platform offers two short-term loan products: Shopify capital loans, and Shopify merchant cash advances. US businesses may choose from either product, but for UK businesses, merchant cash advances are the only option. Note that Shopify merchants cannot apply for a capital loan or a merchant cash advance unless they receive an invitation from Shopify to do so. Let’s look at the way Shopify loans work: Get a quote Shopify loan structure Shopify determines available credit, fees, and interest rates on a case-by-case basis. The borrowed sum, fees, interest rate, and daily repayment rate are governed by the scale of merchant’s sales on Shopify and their risk profile. Generally speaking, the higher their sales on Shopify...
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### Construction loans and finance
> Construction finance for a new build or re-developing an existing property to sell for a profit, use for your own needs, or rent out for income.
- Published: 2022-11-18
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/sectors/construction-loans-and-finance/
- Business sectors: Business loans
Construction loans and finance Constructing a new building or re-developing an existing property to sell for a profit, use for your own needs, or rent out for income, can be a successful financial strategy. Get a quote UK property is almost always in demand. However, building buildings is not cheap. Large upfront costs to cover land, materials and labour will be incurred, and meeting these costs can put a major dent in any business cashflow. Fortunately, there’s a solution to this problem – meet the Construction Loan - a purpose-built financial product that lets you fund the cost of building without demolishing your bank balance. Borrow up to 75% LTV Competitive rates Terms up to 24 months Options for all construction loans What is a construction loan? Construction loans, (also known as development loans), are a type of bridging loan used to cover the costs of building new homes and commercial premises or re-developing existing residential and commercial properties. Construction loans may also be used to buy a plot of land to build on or purchase an existing property for re-development. Get a quote How do construction loans work? Constructing or re-developing a property is a capital-intensive task. Large upfront costs to pay for land, planning, construction materials and labour will be incurred. These costs must be met before the property can be re-sold or used to generate income. Additionally, because the property may not exist yet, (it’s a new-build), or it will undergo significant change, (re-development), it is very...
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### Auction finance
> Buying property at auction may speed up the buying process, let you pay a lower price, or give you the opportunity to purchase an unusual property.
- Published: 2022-11-18
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/sectors/auction-finance/
- Business sectors: Business loans
Auction finance Buying property at auction may speed up the buying process, let you pay a lower price, or give you the opportunity to purchase an unusual property. Get a quote UK property auctions move fast. Buyers must pay in full within a time frame that’s usually too short to get a traditional property loan. So, if you don’t have the cash to pay upfront, how can you buy at auction? The answer is Auction Finance – a fast and simple bridging loan that lets you buy with confidence at auction, then gives you time to re-sell for a profit or secure a long-term mortgage. Don’t miss out on bargains. Use an auction loan to be a winner when the hammer falls. Borrow up to 80% LTV Competitive rates Terms up to 24 months Approval in as little as 5 days What is auction finance? Auction Finance is a type of bridging loan used to buy residential or commercial property at auction. Because auction houses usually require payment in full within 14 or 28 days of purchase (56 days if bought online), it can be difficult for some buyers to arrange a traditional property loan within this short time frame. Auction finance can cover this gap for 1 to 24 months, allowing the borrower to pay the auction house according to their rules, and sufficient time to re-sell the property or arrange a long-term mortgage to replace the auction loan. Get a quote What types of auction finance are there?...
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## Business insurance
### GDPR insurance
> GDPR insurance is a type of business insurance designed to help organisations manage the financial risks with non-compliance of the GDPR Act. Get a quote today.
- Published: 2024-11-07
- Modified: 2024-11-07
- URL: https://swoopfunding.com/uk/business-insurance/gdpr-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on November 7, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Under the General Data Protection (GDPR) Act of 2018, organisations that handle customer and private citizen's data are required to protect that data from interference and illegal exposure. Massive fines and the risk of large compensation claims await businesses that violate the rules. GDPR insurance is designed to protect businesses against the potentially high costs of data protection infractions, allowing them to operate more confidently within GDPR guidelines. Add a header to begin generating the table of contents What is GDPR insurance? GDPR insurance is a type of business insurance designed to help organisations manage the financial risks associated with non-compliance of the GDPR Act. This specialist coverage is often bundled into cyber insurance policies, and it typically covers legal costs, fines, and expenses related to data breaches, regulatory investigations, and lawsuits stemming from GDPR violations. Do I need GDPR insurance? It depends on...
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### Why cyber insurance is your business's digital shield
> Data breaches, ransomware attacks, and phishing scams are just a few ways malicious actors can disrupt your operations. Read how to prevent it here.
- Published: 2024-04-17
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/cyber-insurance/why-do-i-need/
- Insurance type: Insurance guides
Add a header to begin generating the table of contents Page written by Ian Hawkins. Last reviewed on September 21, 2024. Next review due April 6, 2025. Ian Hawkins Head of Content Ian Hawkins is Head of Content at Swoop. As a freelance business journalist and filmmaker he has reported from Europe, Central and North America and Africa. His films and writing have appeared on BBC World, Reuters and CBS, and he has spoken at conferences on both sides of the Atlantic on subjects including data, cyber security, and entrepreneurialism. × Ian Hawkins Head of Content Ian Hawkins is Head of Content at Swoop. As a freelance business journalist and filmmaker he has reported from Europe, Central and North America and Africa. His films and writing have appeared on BBC World, Reuters and CBS, and he has spoken at conferences on both sides of the Atlantic on subjects including data, cyber security, and entrepreneurialism. Twitter Linkedin Websiteweb_asset The criminals are working hard to get to your data. What are you doing to protect it? “An employee clicked on a dodgy link in an email on their home computer... the same computer they use to work from home. That exposed our database to cybercriminals and they basically wiped us out over a weekend. ”In today's digital age, businesses run on data - and if that data is lost, stolen or gets into the wrong hands, it can mean the end of your business overnight. Data breaches, ransomware attacks, and phishing scams...
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### Cyber insurance
> Cyber insurance is a type of business insurance that provides support if your business is harmed by cyber attack or security failure. Get protected today.
- Published: 2024-04-17
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/cyber-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset It costs UK businesses an average of £21,000 to remedy the impact of a cyber attack and 81% of organisations who suffer cybercrime are SMEs. The sad fact is, businesses are increasingly vulnerable to systems lock outs, data theft, malware, ransomware and many other types of digital crime. To protect themselves against these threats, many UK organisations now rely on cyber insurance...
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### How much does employers' liability insurance cost?
> Premiums for employers’ liability insurance can start at less than £5 per month, but just as no two UK businesses are alike, no two insurance needs are the same
- Published: 2023-12-22
- Modified: 2025-04-09
- URL: https://swoopfunding.com/uk/business-insurance/employers-liability-insurance/cost-of-employers-liability/
- Insurance type: Insurance guides
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Premiums for employers’ liability insurance can start at less than £5 per month, but just as no two UK businesses are alike, so no two business insurance needs are the same. The premium you pay will depend on your business type, the number of people you employ, and the risks attached to what you do or sell. Although the more employees you...
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### What is employers' liability insurance?
> Employer’s liability (EL) insurance is a type of business insurance that protects you & your employees should they be injured or unwell as a result of working .
- Published: 2023-12-21
- Modified: 2024-09-19
- URL: https://swoopfunding.com/uk/business-insurance/employers-liability-insurance/what-is-employers-liability-insurance/
- Insurance type: Insurance guides
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 19, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Employer’s liability (EL) insurance is a type of business insurance that protects you and your employees, (including those who no longer work for you and some contract workers), should they be injured or become unwell as a result of working for your business. Add a header to begin generating the table of contents Do I need employers' liability insurance? If your business...
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### What is product liability insurance?
> Product liability insurance (PL) protects companies, partnerships, sole traders and the self-employed from financial loss. Read more about this & get cover here
- Published: 2023-12-21
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/product-liability-insurance/what-is-product-liability/
- Insurance type: Insurance guides
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Product liability insurance (PL) – also known as ‘product insurance’ - is a business insurance designed to protect companies, partnerships, sole traders and the self-employed from financial loss in the event that someone is harmed, or property is damaged due to the products that they supply. Add a header to begin generating the table of contents Do I need product liability insurance?...
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### What is business insurance?
> Business insurance protects organisations against losses incurred in their normal business activities. Read more here, and get a personalised quote with Swoop.
- Published: 2023-12-21
- Modified: 2024-09-19
- URL: https://swoopfunding.com/uk/business-insurance/what-is-business-insurance/
- Insurance type: Insurance guides
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 19, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Business insurance protects organisations against losses incurred in the pursuit of their normal business activities. Losses may arise through accidents, weather-related events such as floods or lightning strikes, or theft, malpractice, employee compensation claims, shipping risks, utility failures, and a host of other issues. Although business insurance cannot stop problems from occurring, it can replace what was lost, pay for interim arrangements...
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### Do I need public liability insurance?
> Public liability insurance is a good idea for almost all businesses, but it is essential for those that interact with the general public or work for government.
- Published: 2023-12-21
- Modified: 2024-09-19
- URL: https://swoopfunding.com/uk/business-insurance/public-liability-insurance/do-i-need-public-liability-insurance/
- Insurance type: Insurance guides
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 19, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Public liability insurance (PL) is a good idea for almost all businesses, (including sole traders and the self-employed), but it is essential for those that interact with the general public and work for local councils or central government. Some personal injury or property damage claims can run into the hundreds of thousands or even millions of pounds. If your business operations put...
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### Opticians insurance
> As a health provider, supporting the vision of many customers per year, your optician’s business is vulnerable to a unique set of risks. Get your cover here.
- Published: 2023-12-21
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/opticians-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset As a health provider, supporting the vision of many customers per year, your optician’s business is vulnerable to a unique set of risks. Business insurance for opticians is specifically designed to shield opticians from these unusual threats – delivering A to Z protection and reducing the possibility of catastrophic financial claims if things should go wrong. Add a header to begin generating...
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### Plumbers insurance
> No matter if you’re working in a commercial, residential or public space, the work you do plumber puts you and your business at significant risk. Get cover here
- Published: 2023-12-21
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/plumbers-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Accidents can happen anywhere, anytime. Those that cause personal injury or damage to the property of the general public or your clients, customers, and suppliers as a result of the services your plumbing business provides could generate crippling compensation claims against you. Because accidents cannot be foreseen, plumbers’ public liability insurance is the only way to protect yourself and your business from...
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### Gardeners insurance
> Gardeners’ insurance is an umbrella term for the policies you can buy to protect your gardening business from many types of risk. Get cover from £10 a month.
- Published: 2023-12-21
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/gardeners-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset At first glance, a gardening business may seem like a quiet and safe profession. However, the reality is quite different. Heavy equipment, machine tools, sharp blades, changing weather and the occasional need to operate from ladders can make the industry one of the most hazardous to work in. Factor-in close proximity to customers and the general public and the potential for accidents...
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### Gas engineer insurance
> Heating and gas engineer public liability insurance protects your business if someone is injured, or their property is damaged because of your business.
- Published: 2023-12-21
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/gas-engineer-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Heating and gas engineer public liability insurance protects your business if someone is injured, or their property is damaged because of the services that you or your business provides. This essential cover, also known as PL or liability insurance, is designed to protect your heating and engineering business against compensation claims for injuries or property damage from a customer, passer-by, or a...
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### Bicycle shop insurance
> Bike shops are unlike most other retailers. You’re selling, repairing and servicing wheeled vehicles that are used on the open road. Get protection here.
- Published: 2023-12-21
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/bicycle-shop-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Bike shops are unlike most other retailers. You’re selling, repairing and servicing wheeled vehicles that are used on the open road. As well as ensuring your store is covered for events such as fire, theft and accidents that take place at your premises, you must also protect your business from the financial impact of incidents that can happen many miles away. Bicycle...
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### Shop insurance
> Shop insurance is an umbrella term for a range of business insurances that can give retailers protection against almost every type of event. Get a quote here.
- Published: 2023-12-11
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/shop-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset There are more than 300,000 retail outlets in the UK, and they sell everything from bed knobs and car parts to broomsticks and spices. However, despite this diversity, they have one thing in common – every shop needs shop insurance to protect them if the worst should ever happen. Add a header to begin generating the table of contents Why do you...
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### Restaurant insurance
> Restaurant insurance is an umbrella term for a range of business insurance policies that can protect food businesses from financial loss. Get a quote here.
- Published: 2023-12-11
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/restaurant-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset There are tens of thousands of restaurants in the UK, and they sell every type of food there is. However, despite this diversity, they have one thing in common – they all need restaurant insurance to protect them from financial calamity if the worst should ever happen. Add a header to begin generating the table of contents What is restaurant insurance? Restaurant...
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### Public liability insurance for events
> Public liability insurance for events can protect event organisers against claims from members of the public for injury, illness or damage. Get a quote here.
- Published: 2023-12-11
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/event-liability-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Everybody loves a good event, but if you’re the event organiser you face high business risk. Accidents can happen, errors can occur, and omissions can leave you promising more than you can deliver – all of which have the potential to create catastrophic financial impact for your business. Public liability insurance for events is designed to eliminate these worries, leaving you to...
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### Pub insurance
> Pub insurance is an umbrella term for a range of business insurance that can provide protection against almost every type of negative event. Get a quote here.
- Published: 2023-12-11
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/pub-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on May 26, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset There are more than 25,000 pubs and bars in the UK, and every one of them offers a unique hospitality experience. However, despite this diversity, they have one thing in common - they all need pub insurance to protect them from financial calamity if the worst should ever happen. Add a header to begin generating the table of contents Why do I...
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### IT consultant insurance
> Business insurance for IT contractors and consultants can protect professionals from financial claims for data leaks, systems malfunctions, accidents & more.
- Published: 2023-12-11
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/it-consultant-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset In an age when almost every business uses technology to function, the need for expert IT professionals to provide support has never been greater. However, while IT contractors provide the technical skills and IT consultants provide guidance and planning, they all have one thing in common – they’re vulnerable to potential compensation claims that could run into the many thousands or even...
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### Gym insurance
> The UK is on a fitness boom and gyms and fitness businesses are busier than ever. Unfortunately, with this good news also comes some bad. Protect yours here.
- Published: 2023-12-08
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/gym-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset No matter if they’re pumping iron to build muscle, swimming laps to lose weight, or playing sports for fun or competition, more than 11 million UK fitness lovers visit gyms and fitness centres every year. With such large numbers using these facilities, gym owners and operators need comprehensive gym insurance to offset business risk. Add a header to begin generating the table...
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### Food insurance
> No matter if you operate a restaurant, a food truck, a delivery service, or you manufacture foods for commercial or consumer markets, you need food insurance.
- Published: 2023-12-08
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/food-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset No matter what happens, people have to eat. Across the UK there are thousands of businesses making, preparing, and selling food and drinks to millions of hungry and thirsty customers. The products these businesses sell may vary considerably, but they all have one thing in common – they’re at risk if anything goes wrong with the food or services they provide. To...
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### Consultants insurance
> Business insurance for consultants protects your businesses from third-party compensation claims for injury, loss or damage caused by the services you sell.
- Published: 2023-12-08
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/consultants-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset In industries as diverse as agriculture, antique art, finance and fibre optics, consultants provide the expert skills and knowledge that businesses cannot do without. However, even the best can make a mistake or miss an important detail, and sometimes those errors can come with expensive consequences. Fortunately, business insurance for consultants is available to reduce or eliminate this risk, protecting professionals from...
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### Carpenters insurance
> Many carpenters work in the construction industry where the potential for accidents, theft, errors and omissions is high. Get your comprehensive coverage here.
- Published: 2023-12-08
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/carpenters-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset No matter how experienced a carpenter you are, or how diligent you are with safety, accidents and mistakes can happen any time. Most carpenters, especially sole traders and the self-employed, cannot afford to be out of work through injury, illness, property damage or lost equipment and tools. Add in the possibility of large compensation claims from people who say they have suffered...
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### Cafe insurance
> No matter if you run a café or a coffee shop, one thing is common: Accidents, mishaps, errors and omissions can happen at any time. Get insured here.
- Published: 2023-12-08
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/cafe-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 19, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset The UK’s coffee shop and café market was worth more than £4. 5billion in 2022. Branded chains and independent operators now populate every high street, shopping mall, train station and airport, selling everything from a hot cup of joe to an exotic wrap or salad. However, the continuing success of this area of hospitality is also increasing business risk. More customers, more...
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### Shareholder protection insurance
> Shareholder protection insurance provides company shareholders with the funds to buy shares from each other if one of them was to die or be unable to work.
- Published: 2023-11-14
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/shareholder-protection-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Shareholder protection insurance can provide your business with a financial safety net if it ever lost a shareholder through serious illness, injury or death. This may be a scenario that nobody likes to think about, but it is still important to plan for. If a shareholder were to die without insurance, their stake in the business could be inherited by an unwelcome...
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### Relevant life insurance
> Relevant life insurance policies are single life, stand-alone ‘death in service’ plans. Read more about this type of insurance, or get a quote with Swoop today.
- Published: 2023-11-14
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/relevant-life-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on May 26, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset For many people, buying life insurance privately can be too expensive and pre-existing medical conditions may mean they cannot get cover. However, relevant life insurance is an individual policy that employers can offer to their directors and key employees to eliminate these issues. For organisations that have too few employees to qualify for group life cover, relevant life insurance can provide your...
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### Group private medical insurance
> Group private medical insurance is an employee benefit provided by businesses to their workers and is currently the top-rated perk in the UK. Get a quote here.
- Published: 2023-11-14
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/group-private-medical-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset With the NHS under growing pressure and waiting lists for treatments at an all-time high, many people in the UK are considering private medical insurance. However, buying this protection as an individual can be expensive and certain medical conditions may be excluded. Instead, group private medical insurance is an affordable benefit that employers can offer to their employees, covering everyone in the...
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### Group life insurance
> Group life insurance, also known as a ‘death in service benefit’, that employers offer to their workers whilst they work for the organisation. Get a quote here.
- Published: 2023-11-10
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/group-life-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset In an uncertain world, it makes sense for most of us to have life insurance to provide a cash benefit to our family or dependants in the event that we should die. Unfortunately, for many people, buying life insurance individually can be too expensive and pre-existing medical conditions may mean they cannot secure cover. However, group life insurance is a blanket policy...
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### Group income protection insurance
> Group income protection insurance enables employers to pay employees a percentage of their income if they are off work for a long time due to illness or injury.
- Published: 2023-11-09
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/group-income-protection-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Few employees could afford to be off work for an extended period due to injury or illness. The financial impact could be devastating. In the same vein, few businesses can afford to lose their important workers for many weeks or months. It hurts company morale, impacts productivity and drives up costs. This is why any business that employs other people needs group...
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### Executive income protection insurance
> Executive income protection insurance protects directors & key employees – safeguarding their earnings and preventing financial setbacks should the worst happen
- Published: 2023-11-09
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/executive-income-protection-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset For many business owners, especially those within small companies, being unable to work because they are injured or sick will usually mean a loss of some or all of their income. This can have life-changing impact, causing them to fall behind on mortgage payments, run up debts, run foul of the tax man, even lose their business. Fortunately, executive income protection is...
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### What's the difference between public liability and professional indemnity insurance?
> For many UK SMEs, sole traders and the self-employed, having both public liability insurance and professional indemnity cover is essential. Read why here.
- Published: 2023-11-01
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/public-liability-insurance/difference-between-public-liability-and-professional-indemnity/
- Insurance type: Insurance guides
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Public liability insurance covers your business for third-party claims for personal injury or property damage caused by the services your organisation provides. Professional indemnity insurance protects your business from compensation claims arising from wrong or misleading information you may have published or provided to a client. Add a header to begin generating the table of contents How does public liability insurance work?...
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### How much public liability insurance do I need?
> The amount of public liability insurance you need depends on the industry you work in and the size of your business. Read more here, or speak to our experts.
- Published: 2023-11-01
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/public-liability-insurance/how-much-public-liability-insurance-do-i-need/
- Insurance type: Insurance guides
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 19, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset The amount of public liability insurance (PL) you need depends on the industry you work in and the size of your business. In most cases, the bigger your business is, the bigger potential claims may be. (Keep in mind that a claim for personal injury or property damage will usually be increased by legal fees and claims for medical treatment and loss...
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### What is public liability insurance?
> Public Liability Insurance is a good idea for almost all businesses, especially those that interact with the public and work for local councils or government
- Published: 2023-11-01
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/public-liability-insurance/what-is-public-liability-insurance/
- Insurance type: Insurance guides
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Public liability insurance is a type of business insurance that protects your organisation if someone is injured, or their property is damaged because of the services that you or your company provides. This type of cover, also known as PL or liability insurance, is designed to protect your business against third party claims for injuries or property damage from a customer or...
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### Public liability insurance
> Public Liability Insurance protects your organisation if someone is injured, or their property is damaged because of the services that your business provides.
- Published: 2023-11-01
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/public-liability-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Accidents that cause personal injury or damage to the property of the general public or your clients, customers, and suppliers as a result of the services your organisation provides, could have a huge financial impact on your business, or even close your business down. However, public liability insurance is designed to protect against this sort of risk - providing compensation to claimants...
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### Tradesman insurance
> Tradesman insurance is an umbrella term for a range of business insurances that protect trade professionals. Read more about coverage & get a quote here.
- Published: 2023-11-01
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/tradesman-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset No matter how experienced a tradesman you are, or how diligent you are with safety, accidents and mishaps can happen any time. Many sole traders and self-employed professionals who work with their hands, often at construction sites or other risky locations, cannot afford to be out of work through injury, illness, property damage or lost equipment and tools. Add in the possibility...
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### Warehouse insurance
> Warehouse insurance is specialist business insurance that can cover personal injuries, accidental & malicious property damage, theft & more. Get a quote today.
- Published: 2023-10-31
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/warehouse-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on May 26, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Warehouses can be some of the most dangerous places to work. High shelving systems, moving forklifts and loaders, heavy goods vehicles going in and out, and a common round-the-clock work schedule all enhance the chance of injuries or property damage and raise the risk of expensive compensation claims. Fortunately, warehouse insurance can provide comprehensive cover to eliminate these risks, allowing warehouse operators...
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### Tool insurance
> Tools insurance, also known as portable equipment cover, is a business insurance that protects the machinery & equipment you take to jobs. Get your quote here.
- Published: 2023-10-30
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/tool-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset From a spanner and a screwdriver to a laptop and a light meter, every business and professional needs tools to carry out their trade. Sometimes, this equipment can cost hundreds or even thousands of pounds and if it were lost, damaged or stolen, it could be difficult to replace and may even put your business in jeopardy. Fortunately, tool insurance is available...
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### Construction company insurance
> Construction insurance provides cover if someone makes a claim against you, or your business suffers loss, theft or damage to your property. Get a quote here.
- Published: 2023-10-30
- Modified: 2024-09-19
- URL: https://swoopfunding.com/uk/business-insurance/construction-company-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 19, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset From building roads and major infrastructure, to constructing office blocks and private homes, the UK construction sector is a round-the-clock, all-weather industry worth £billions every year. However, with big business, also come big risks, many of which have the potential to deliver large financial claims if things should go wrong. Fortunately, construction insurance is available to mitigate the risks. Use it to...
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### Third party liability insurance
> Accidents happen. There’s no getting round it. Nor the fact that they can bring crippling claims against your business. Read about coverage & get a quote here.
- Published: 2023-10-30
- Modified: 2025-04-09
- URL: https://swoopfunding.com/uk/business-insurance/third-party-liability-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Accidents happen. There’s no getting round it. Nor the fact that they can bring crippling claims against your business if you cause personal injury or property damage to someone else. To eliminate this kind of risk, businesses buy third-party liability insurance – all-weather umbrella cover that can protect organisations from the financial storm if the worst should ever happen. Read on to...
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### Trade credit insurance
> Trade credit insurance is designed to mitigate the risk of non-payment by a company’s customers. Get in touch today to start your trade credit insurance.
- Published: 2023-10-30
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/trade-credit-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Trade credit insurance (TCI), also known as accounts receivable insurance, debtor insurance, or export credit insurance, is a business insurance that compensates organisations if their customers fail to pay for supplied products or services. Non-payment may be because of bankruptcy, insolvency, or political upheaval in the countries where the trading partner operates. TCI can help businesses to protect their capital, stabilise their...
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### Business contents insurance
> Use business contents insurance to replace cash, and pay for new fixtures & fittings, equipment, stock and more if they’re damaged, lost, or stolen. Get a quote
- Published: 2023-10-27
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/business-contents-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 19, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Business contents cover is designed to replace the contents of shops, offices, restaurants, surgeries, garages, workshops and almost every other type of business in the event of fire, flood, theft, vandalism and accident. Use business contents insurance to replace cash, and pay for new fixtures and fittings, equipment, stock and samples, raw materials, and employees’ personal belongings if they’re damaged, lost, or...
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### Commercial van insurance
> Commercial van insurance is a type of business insurance that can cover your work vans and any personal contents you are carrying. Get your cheap quote here.
- Published: 2023-10-27
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/commercial-van-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Builders, butchers, bakers, candlestick makers – there are many types of business in the UK, but they tend to have one thing in common: They own a commercial van. It’s the vehicle that gets them to work, carries their tools, and takes their goods and materials from A to B. Keeping this vital business asset working is essential, which is why businesses...
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### Occupiers' liability insurance
> Occupiers' liability insurance covers the occupier of a commercial premises against personal injury or property damage claims. Get a quote for yours here.
- Published: 2023-10-20
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/occupiers-liability-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset What is occupiers' liability insurance? Accidents happen. There’s no getting around that. However, if they happen on your business premises, you could be on the hook for compensation claims, legal and medical expenses and more. Occupier’s liability insurance is designed to eliminate these kind of risks. Let the policy take care of all the problems, while you carry on doing what you...
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### Subcontractor insurance
> Subcontractors’ insurance can cover everything from a sprained ankle or a scraped vehicle, to a major fire or total loss. Arrange your cover here today.
- Published: 2023-10-20
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/subcontractor-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Because they are on the front line of any project, subcontractors and their teams are most vulnerable to financial loss caused by accident, personal injury, claims for property damage, theft of tools and materials, or business interruption. To protect themselves from these types of risk, subcontractors will buy subcontractors’ insurance. This is specialist cover designed exclusively for subcontractors and available with many...
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### Self employed insurance
> Self-employed workers include contractors, freelancers, gig workers and sole traders - reducing the risk to your business. Get a quote or discuss your need here
- Published: 2023-10-18
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/self-employed-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset There are more than 4 million self-employed people in the UK, and they do everything from plumbing, gardening, bricklaying and roofing, to writing, acting, baking cakes, making candles, or restoring classic cars. But just because they’re a one-man band, it doesn’t mean these individuals are immune to risk. If something goes wrong with the work they do, or they things they sell,...
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### Professional indemnity insurance
> Professional indemnity insurance covers businesses and individuals that advise clients, provide them with vital information and more. Get a quote today.
- Published: 2023-10-18
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/professional-indemnity-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Many individuals and businesses sell information and advice to their customers. Unfortunately, if that information is wrong or misleading, it can cause financial loss or other damage to their clientele. Claims for compensation can then cost thousands or even millions of pounds to settle. Instead, professionals and businesses exposed to this sort of risk will purchase professional indemnity insurance to protect them...
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### Business equipment insurance
> Business equipment insurance protects you from financial loss in the event that vital tools or equipment are lost, damaged, or stolen. Get a free quote here.
- Published: 2023-10-18
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/business-equipment-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset What is business equipment insurance? Business equipment insurance protects you from financial loss in the event that the vital tools and equipment you use to carry out your trade or business are lost, damaged, or stolen. Suitable for companies, partnerships, sole traders, and the self-employed, business equipment insurance can protect portable tools, office equipment and contents, laptops, mobile phones, and machinery that...
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### Product liability insurance
> Product liability insurance can protect your business should the products you provide create a problem for your customers. Get a quote for coverage here.
- Published: 2023-10-18
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/product-liability-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset No manufacturing process is perfect. Every business that designs, makes, or distributes parts, components, or finished goods runs the risk that the products they supply could harm someone or damage someone’s property. These injuries or damages could happen through no deliberate fault of your own, but a simple manufacturing flaw or workshop error could still make you and your business liable for...
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### Hired in plant insurance
> Hired-in plant insurance is a type of business insurance that provides financial protection against the loss or damage of hired construction plant and equipment
- Published: 2023-10-17
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/plant-machinery-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Big machines usually come with big price tags, and the cost of replacing or repairing lost or damaged rented construction equipment could be beyond many businesses, forcing them into bankruptcy. Fortunately, hired-in plant insurance is here to do the heavy lifting. Use it to protect the plant you hire. Eliminate the risk of a major financial malfunction. Add a header to begin...
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### Limited company insurance
> Limited company insurance is an umbrella term for a range of insurances that can protect businesses from financial loss. Speak to our experts about your needs.
- Published: 2023-10-17
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/limited-company-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset No business is without risk and calamity can strike at any time, exposing your organisation to the potential of significant cost, even the possibility of closure. Limited company insurance is designed to eliminate the risk of catastrophe, protecting you, your employees, your customers, members of the public, and everything your business owns or uses should the worst thing ever happen. Add a...
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### Employers' liability insurance
> Employers' liability (EL) insurance protects you and your employees, should they be injured or become unwell as a result of working for you. Get a quote here.
- Published: 2023-10-17
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/employers-liability-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on May 26, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset It only takes a moment’s oversight, or minor machine malfunction for accidents to occur at work. Unfortunately, the financial cost of these incidents can be anything but small. Employee compensation claims for work-related illnesses or injuries can often run into the tens or hundreds of thousands of pounds. Few UK SMEs could afford such a blow - which is why they are...
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### Do I need business insurance?
> All organisations need business insurance, because risk is everywhere and problems usually arrive without warning, giving you no time to prepare.
- Published: 2023-10-17
- Modified: 2024-09-19
- URL: https://swoopfunding.com/uk/business-insurance/is-business-insurance-a-legal-requirement/
- Insurance type: Insurance guides
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 19, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset All organisations, including sole traders and the self-employed, need business insurance, because risk is everywhere and problems usually arrive without warning, giving you no time to prepare. Businesses that have contact with the general public, work for local councils or central Government, or operate in high risk-industries are especially vulnerable to major financial compensation claims if things should go wrong. Put simply,...
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### Invoice insurance
> The easiest way to protect your bottom line is to take out invoice insurance on your unpaid invoices. Find out more and apply for coverage here.
- Published: 2023-10-13
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/invoice-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset How can I protect my business against bad debt? The easiest way to protect your bottom line is to take out invoice insurance on your unpaid invoices. Find out all you need to know about invoice insurance With invoice insurance, a business pays a premium to an insurance provider, and in return, the insurer agrees to reimburse the business for a percentage...
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### What is personal guarantee insurance?
> Personal guarantee insurance (PGI) is a form of insurance designed to protect business owners and directors who must provide a personal guarantee to a lender.
- Published: 2023-10-12
- Modified: 2025-04-09
- URL: https://swoopfunding.com/uk/business-insurance/personal-guarantee-insurance/what-is-personal-guarantee-insurance/
- Insurance type: Insurance guides
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 19, 2024. Next review due April 6, 2026. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Personal guarantee insurance (PGI) is a form of business insurance designed to protect business owners and directors who must provide a personal guarantee to the lender when their company takes out a loan. Personal guarantee insurance can provide a win/win situation; covering a large percentage of the loan to reduce business owner risk, and making lenders more comfortable by delivering an extra financial backstop in case things should go wrong. Add a header to begin generating the table of contents How does PGI work? When a business owner or director personally guarantees a loan, they are offering their private assets as security against the debt. Typically, this will include their home. If the business defaults and cannot repay the debt, the individual is personally responsible for the amount guaranteed and the bank can seize and sell their assets to recover the money. Personal guarantee...
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### What business insurance do I need?
> Available to all businesses and to cover almost any eventuality, business insurance is a valuable emergency lifeline, but what do you need? Find out here.
- Published: 2023-10-12
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/what-insurance-do-i-need/
- Insurance type: Insurance guides
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Available to all businesses and to cover almost any eventuality, comprehensive business insurance is a valuable emergency lifeline. Use it to offset risk, create a financial cushion, and avoid the potential for disaster if the worst should ever happen. Add a header to begin generating the table of contents What is business insurance? Business insurance protects organisations against losses incurred in the...
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### Medical insurance
> Small Business Health Insurance provides access to private healthcare services to keep employees fit & well, keeping the business running. Arrange yours here.
- Published: 2023-10-12
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/medical-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Employee illness or injury can sap the productivity and profitability out of any small organisation, and for sole traders and the self-employed, the impact can be devastating. Fortunately, Small Business Health Insurance is here to fix this problem – providing fast access to private healthcare services to keep employees fit and well and helping small businesses avoid the financial burden of extended...
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### Personal guarantee insurance
> Almost every UK business will need to borrow money at some point. Fortunately, this is where personal guarantee insurance comes in. Get your quote today.
- Published: 2023-10-12
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/personal-guarantee-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Almost every UK business will need to borrow money at some point in its life. Unfortunately, unless your business has large assets, the lender will usually look to the business owner or directors to provide security for the funds. This means giving a personal guarantee and putting the owner’s or the director’s personal assets at risk, but without this kind of collateral,...
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### Contractors insurance
> Available to all contractors and to cover almost any eventuality, comprehensive contractor insurance is a valuable emergency lifeline. Get a quote here.
- Published: 2023-10-12
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/contractors-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on May 26, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Controlling the day-to-day oversight of a project, managing vendors and tradesmen, and communicating with all involved parties throughout the course of an assignment can be a big responsibility that’s often fraught with risks – accidents can happen, materials and technology can fail, bad weather can blow the roof right off your schedule. Any one of these events could cause lasting harm to...
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### Key person insurance
> Key person insurance is a type of business insurance that protects organisations from the financial impact of the loss of a key individual. Get a quote here.
- Published: 2023-10-12
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/key-person-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Many small and medium-sized UK businesses are owned and/or managed by just a few important people. These are usually board members, the managing director, and executive officers, but they could also be other valuable employees. Responsible for major decisions and steering the organisation’s growth and development, these individuals are the essential ingredients that no business can do without. But what happens when...
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### Commercial property insurance
> Commercial properties are typically the biggest assets any business has, cover yours was comprehensive commercial property insurance to protect this here.
- Published: 2023-10-12
- Modified: 2024-09-21
- URL: https://swoopfunding.com/uk/business-insurance/commercial-property-insurance/
- Insurance type: Insurance types
Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 21, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Commercial properties are typically the biggest assets any business has, but just like private residences, they can be damaged or destroyed through many different causes, creating the potential for a repair or replacement bill big enough to sink the business. Fortunately, there’s an answer to this dilemma. Available to all businesses and to cover almost any eventuality, comprehensive commercial property insurance is...
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## Locations
### Nottingham
> With so many types of business loan available in Nottingham, it can be difficult to know which one is best for you. Read more and apply here.
- Published: 2023-03-14
- Modified: 2024-04-15
- URL: https://swoopfunding.com/uk/locations/nottingham/
- Areas: East Midlands
Small Business Loans Nottingham Caught between high energy costs, rising business rates, and customers with less cash to spend, many Nottingham businesses may be feeling the financial pressure. Get a quote However, a small business loan can provide the funds they need to get them through a cashflow dip, pay taxes, buy stock and raw materials, or give them the support to innovate, expand, and explore new business markets. With so many types of business loan available in Nottingham, it can be difficult to know which one is best for you. Read on to learn more about:Small business loans in NottinghamNottingham business grantsAlternative business financing optionsWhat kind of credit score you needHow to apply for a business loan What types of small business loans are available in Nottingham? No matter if you’re seeking to expand production, start a business, pay taxes, cover cashflow, or buy vehicles, plant and machinery, there’s a business loan for you. Launch a new businessEntrepreneurs seeking to launch their own small business in Nottingham may get a financial boost with a startup loan – this is hard-to-find seed cash to get a new business off the ground. Government funds may also be available for this type of loan. Expansion loansDevelopment and bridging loans can make dreams to expand your business become a reality. Refurbish, extend, expand your current operating facilities. Borrow up to 90% of the project cost. Repay over 1 – 30 years. The property acts as security. In most cases there is no need...
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### Northampton
> If you’re a SME in Northampton looking for a small business loan to cover cashflow, or give you the financial boost to expand, you’ll be spoilt for choice.
- Published: 2023-03-14
- Modified: 2024-04-15
- URL: https://swoopfunding.com/uk/locations/northampton/
- Areas: East Midlands
Small Business Loans Northampton If you’re a business owner in Northampton looking for a small business loan to cover cashflow, pay your VAT, buy stock and raw materials, or give you the financial boost to expand, you’ll be spoilt for choice. Get a quote There are many types of business loan available and for every type of purpose. Read on to find out all you need to know about:Small business loans in NorthamptonNorthampton business grantsAlternative business financing optionsThe credit score you’ll needApplying for a business loan What types of small business loans are available in Northampton? There are many types of business loan available in Northampton. Some have specific purposes, such as paying franchise costs, while others can be used to cover any type of business need. Depending on the loan you choose, you may be required to provide security, such as property or other hard assets. Working capital loansWorking capital loans pay for everyday expenses – things like wages, energy bills, inventory and more. Depending on the type of loan, added security may be required. Working capital loans for Northampton SMEs include:Small business loanSmall business loans work like traditional bank loans. Borrow from £1,000 to £500,000 and pay the loan back in just a few months or over several years. Security may be required. Invoice finance Instead of waiting 30, 60, 90 days or more, release the cash tied up in your outstanding invoices as soon as you issue them. You retain control of your sales ledger, and your...
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### Newcastle
> Business loans for SMEs in Newcastle come in all shapes and sizes. Borrow from just a few £thousand all the way up to £5million, repay in weeks, months or years
- Published: 2023-03-14
- Modified: 2023-03-22
- URL: https://swoopfunding.com/uk/locations/newcastle/
- Areas: North East
Small Business Loans Newcastle Business loans for SMEs in Newcastle come in all shapes and sizes. Borrow from just a few £thousand all the way up to £5million, repay in weeks, months or years. Get a quote Small business loans can support your cashflow with working capital, buy major assets such as vans and machinery, provide the funds to start a new venture, or give you the financial muscle to grow your business faster. Read on to learn more about:Newcastle small business loansNewcastle business grantsAlternative business financing Your credit score Securing funds even if you have bad creditWhat you need to successfully apply for a business loan in Newcastle What small business loans are available in Newcastle? Expand production, launch a business, pay your VAT, support cashflow, or buy vehicles, plant and machinery:Starting a new businessEntrepreneurs seeking to launch their own small business in Newcastle may get a financial boost with a startup loan – seed money to get a new business up and running. Government funds may also be available for this type of loan. Security may be required. Expansion loansExpand operations with development and bridging loans. Use the funds to refurbish or extend your current premises. Borrow up to 90% of the project cost and repay over 1 – 30 years. The property acts as security and in most cases, no extra collateral is required. Working capital loansWorking capital loans can be used to pay wages, utility bills, inventory and more. Depending on the type of loan you...
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### Plymouth
> If you’re an SME in Plymouth and you’re seeking funds to support your business, you’ve come to the right place. Read about available finance and apply here.
- Published: 2023-03-14
- Modified: 2024-06-26
- URL: https://swoopfunding.com/uk/locations/plymouth/
- Areas: South West
Small Business Loans Plymouth If you’re an SME in Plymouth and you’re seeking funds to support your business, you’ve come to the right place. Get a quote Small business loans are available for all types of Plymouth businesses and for every type of purpose. Borrow from just a few £thousand all the way up to £5million, repay in weeks, months or years. Support your cashflow with working capital, buy major assets such as vans and machinery, secure the funds to start a new venture, or give you the financial muscle to grow your business faster. Read on to learn more about small business loans in Plymouth:Plymouth small business loansPlymouth business grantsAlternative business financing Your credit score Successfully applying for a business loan What small business loans are available in Plymouth? Expand production, launch a business, pay your VAT, support cashflow, or buy vehicles, plant and machinery:Starting a new businessEntrepreneurs seeking to launch a new business in Plymouth may get a financial boost with a startup loan – hard-to-find seed money to get your new venture off the ground. Government funds may also be available for this type of loan. Security may be required. Expansion loansExpand operations with development and bridging loans. Use the funds to refurbish or extend your current premises. Borrow up to 90% of the project cost and repay over 1 – 30 years. The property acts as security and in most cases, no extra collateral is required. Working capital loansWorking capital loans can be used to pay...
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### Brighton
> If you’re a business owner entrepreneur in Brighton and you need funds, there’s a small business loan for you. Read about available funding here and apply today
- Published: 2023-03-10
- Modified: 2024-06-26
- URL: https://swoopfunding.com/uk/locations/brighton/
- Areas: South East
Small Business Loans Brigthton If you’re a business owner entrepreneur in Brighton and you need funds to start a new business, expand production, pay taxes, cover cashflow, or buy vehicles, plant and machinery, there’s a small business loan for you. Get a quote Borrow from just a few £thousand all the way up to £5million, with or without security. Repay in weeks, or months, or years. Read on to find out more about:Small business loans in BrightonBrighton business grantsAlternative business financing The credit score you needWhat you need to apply for a business loan in Brighton What small business loans are available in Brighton? There are many types of small business loan in Brighton: Start a new businessIf you’re seeking to start a small business in Brighton, you could get a financial boost with a startup loan. Secure the seed funds you need to get your new business off the ground. Government funds may also be available for this type of loan. Expansion loansDevelopment and bridging loans can make dreams to expand your business become a reality. Refurbish or extend your current operating facilities. Borrow up to 90% of the project cost. Repay over 1 – 30 years. The property acts as security. In most cases there is no need to provide extra collateral. Working capital loansWorking capital loans can be used to pay wages, cover fuel bills, buy inventory and a whole lot more. Depending on the type of loan you choose, added security may be required. Working capital...
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### Coventry
> Coventry-based SMEs seeking a small business loan have many options to choose from. Read about available Coventry business finance here and apply with Swoop.
- Published: 2023-03-10
- Modified: 2024-04-15
- URL: https://swoopfunding.com/uk/locations/coventry/
- Areas: West midlands
Small Business Loans Coventry Coventry-based SMEs seeking a small business loan to provide working capital, pay taxes, buy vehicles and machinery, or to fund business expansion, have many types of loan to choose from. Get a quote Borrow from a few £thousand up to £5million. Pay the business loan back over weeks, months, or years. Read on to learn more about:Coventry small business loansBusiness grants for Coventry-based businessesAlternative business financing optionsThe credit score you’ll needApplying for a business loan in Leeds What types of small business loans are available in Coventry? Business owners are spoilt for choice when it comes to small business loans in Coventry. While some loans have specific purposes, such as paying VAT, others can be used for any business expenditure. StartupsIf you’re launching a new business in Coventry, you may be eligible for a startup loan – seed money to get a new venture up and running. As well as private lenders, Government funds are also available for this type of loan. Security may be required. Working capital loansWorking capital loans pay for expenses like wages, fuel bills, stock and raw materials and more. In some cases, added security may be required. Working capital loans for Coventry SMEs include:Small business loanWorks like a traditional bank loan. Borrow from £1,000 to £500,000. Repay the loan in a few months or over several years. Security may be required. Invoice finance Stop waiting 30, 60, 90 days or more for customers to pay their bills. Receive the cash tied...
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### Edinburgh
> Whether you’re seeking to expand production, start a business, pay taxes, cover cashflow, or buy vehicles, plant and machinery, there’s a business loan for you.
- Published: 2023-03-10
- Modified: 2024-04-15
- URL: https://swoopfunding.com/uk/locations/edinburgh/
- Areas: Scotland
Small Business Loans Edinburgh Small business loans can give Edinburgh SMEs the funds they need to get them through a cashflow dip, pay taxes, buy stock and raw materials, or give them the firepower to innovate, expand, and explore new business markets. Get a quote However, with so many types of business loans available, it can be difficult to know which is best for you. Read on to learn more about:Small business loans for Edinburgh-based businessesEdinburgh business grantsAlternative business financing optionsWhat kind of credit score you needHow to apply for a business loan What types of small business loans are available in Edinburgh? Whether you’re seeking to expand production, start a business, pay taxes, cover cashflow, or buy vehicles, plant and machinery, there’s a business loan for you. Expansion loansDevelopment and bridging loans are designed to help you expand your business. Refurbish, extend, expand your current operating facilities. Borrow up to 90% of the project cost. Repay over 1 – 30 years. The property acts as security. In most cases there is no need to provide extra collateral. Start a small business in EdinburghIt can be tough to find the seed money you need to start a new business. However, entrepreneurs seeking to launch a new venture in Edinburgh may get a financial boost with a startup loan – this is cash to get your new business off the ground. Government funds may also be available for this type of loan. Buy vehicles, plant, and machineryBuying big-ticket business items, such...
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### Wolverhampton
> With so many types of business loan available in Wolverhampton, it can be difficult to know which one is best for you. Read on to learn more about funding.
- Published: 2023-02-27
- Modified: 2024-06-26
- URL: https://swoopfunding.com/uk/locations/wolverhampton/
- Areas: West midlands
Small Business Loans Wolverhampton Caught between high energy costs, rising business rates, and customers with less cash to spend, many Wolverhampton businesses are feeling the financial pressure. Get a quote However, a small business loan can provide the funds they need to get them through a cashflow dip, pay taxes, buy stock and raw materials, or give them the firepower to innovate, expand, and explore new business markets. With so many types of business loan available in Wolverhampton, it can be difficult to know which one is best for you. Read on to learn more about:Wolverhampton small business loansWolverhampton business grantsAlternative business financing optionsWhat kind of credit score you needHow to apply for a business loan What types of small business loan are available in Wolverhampton? No matter if you’re seeking to expand production, start a business, pay taxes, cover cashflow, or buy vehicles, plant and machinery, there’s a business loan for you. Expansion loansDevelopment and bridging loans can make dreams to expand your business become a reality. Refurbish, extend, expand your current operating facilities. Borrow up to 90% of the project cost. Repay over 1 – 30 years. The property acts as security. In most cases there is no need to provide extra collateral. Start a small businessEntrepreneurs seeking to launch their own small business in Wolverhampton may get a financial boost with a startup loan – hard-to-find seed cash to get a new business off the ground. Government funds may also be available for this type of loan....
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### Sheffield
> If you’re a business owner in Sheffield looking for a small business loan to cover cashflow, pay your VAT, or help you to expand, you’ll be spoilt for choice.
- Published: 2023-02-27
- Modified: 2024-04-15
- URL: https://swoopfunding.com/uk/locations/sheffield/
- Areas: Yorkshire Humberside
Small Business Loans Sheffield If you’re a business owner in Sheffield looking for a small business loan to cover cashflow, pay your VAT, buy stock and raw materials, or give you the financial boost to expand, you’ll be spoilt for choice. Get a quote There are many types of business loan available and for every type of purpose. Read on to find out all you need to know about:Sheffield small business loansSheffield business grantsAlternative business financing optionsThe credit score you’ll needApplying for a business loan What types of business loans are available in Sheffield? There are many types of business loan available in Sheffield. Some have specific purposes, such as paying franchise costs, while others can be used to cover any type of business need. Depending on the loan you choose, you may be required to provide security, such as property or other hard assets. Working capital loansWorking capital loans pay for everyday expenses – things like wages, energy bills, inventory and more. Depending on the type of loan, added security may be required. Working capital loans for Sheffield SMEs include:Small business loanSmall business loans work like traditional bank loans. Borrow from £1,000 to £500,000 and pay the loan back in just a few months or over several years. Security may be required. Invoice finance Instead of waiting 30, 60, 90 days or more, release the cash tied up in your outstanding invoices as soon as you issue them. You retain control of your sales ledger, and your clients need...
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### Leicester
> Business loans for SMEs in Leicester come in all shapes and sizes. Borrow from just a few £thousand all the way up to £5million, repay in weeks, months or years
- Published: 2023-02-27
- Modified: 2023-12-20
- URL: https://swoopfunding.com/uk/locations/leicester/
- Areas: East Midlands
Small Business Loans Leicester Business loans for SMEs in Leicester come in all shapes and sizes. Borrow from just a few £thousand all the way up to £5million, repay in weeks, months or years. Get a quote Small business loans can support your cashflow with working capital, buy major assets such as vans and machinery, provide the funds to start a new venture, or give you the financial muscle to grow your business faster. Read on to learn more about small business loans in London:Leicester small business loansLeicester business grantsAlternative business financing Your credit score Successfully applying for a business loan What small business loans are available in Leicester? Expand production, launch a business, pay your VAT, support cashflow, or buy vehicles, plant and machinery:Starting a new businessEntrepreneurs seeking to launch their own small business in Leicester may get a financial boost with a startup loan – seed money to get a new business off the ground. Government funds may also be available for this type of loan. Security may be required. Expansion loansExpand operations with development and bridging loans. Use the funds to refurbish or extend your current premises. Borrow up to 90% of the project cost and repay over 1 – 30 years. The property acts as security and in most cases, no extra collateral is required. Working capital loansWorking capital loans can be used to pay wages, utility bills, inventory and more. Depending on the type of loan you choose, added security may be required. Working capital...
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### Leeds
> Leeds-based SMEs seeking a small business loan to provide working capital, pay taxes, buy vehicles and machinery, or fund business expansion, have many options.
- Published: 2023-02-27
- Modified: 2024-06-07
- URL: https://swoopfunding.com/uk/locations/leeds/
- Areas: Yorkshire Humberside
Small Business Loans Leeds Leeds-based SMEs seeking a small business loan to provide working capital, pay taxes, buy vehicles and machinery, or to fund business expansion, have many types of loan to choose from. Get a quote Borrow from a few £thousand up to £5million. Pay the loan back over weeks, months, or years. Read on to learn more about:Leeds small business loansLeeds business grantsAlternative business financing optionsThe credit score you’ll needApplying for a business loan in Leeds What small business loans are available in Leeds? Business owners are spoilt for choice when it comes to small business loans in Leeds. While some loans have specific purposes, such as paying VAT, others can be used for any business expenditure. StartupsIf you’re launching a new business in Leeds, you may be eligible for a startup loan – seed funds to get a new venture up and running. As well as private lenders, Government funds are also available for this type of loan. Security may be required. Working capital loansWorking capital loans pay for expenses like wages, fuel bills, stock and raw materials and more. In some cases, added security may be required. Working capital loans for Leeds SMEs include:Small business loanWorks like a traditional bank loan. Borrow from £1,000 to £500,000. Repay the loan in a few months or over several years. Security may be required. Invoice financeStop waiting 30, 60, 90 days or more for customers to pay their bills. Receive the cash tied up in your outstanding invoices as...
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### Cardiff
> Borrow from just a few £thousand all the way up to £5million. Read on to discover all you need to know about small business loans in Cardiff.
- Published: 2023-02-27
- Modified: 2023-12-20
- URL: https://swoopfunding.com/uk/locations/cardiff/
- Areas: Wales
Small Business Loans Cardiff No matter if you’re seeking to expand production, start a business, pay taxes, cover cashflow, or buy vehicles, plant and machinery, there’s a small business loan for you. Get a quote Borrow from just a few £thousand all the way up to £5million, repay in weeks, or months, or years. Read on to discover all you need to know about small business loans in Cardiff:Cardiff small business loansCardiff business grantsAlternative business financing The credit score you needHow to successfully apply for a business loan in Cardiff What small business loans are available in Cardiff? Business loans in Cardiff come in all shapes and sizes: Expansion loansDevelopment and bridging loans can make dreams to expand your business become a reality. Refurbish or extend your current operating facilities. Borrow up to 90% of the project cost. Repay over 1 – 30 years. The property acts as security. In most cases there is no need to provide extra collateral. Start a small businessEntrepreneurs seeking to launch their own small business in Cardiff may get a financial boost with a startup loan – secure those difficult-to-find seed funds to get a new business up and running. Government funds may also be available for this type of loan. Buy vehicles, plant, and machineryAsset finance can take the sting out of buying big-ticket business items, such as vehicles, plant and machinery. Buy over time and use the equipment as you pay for the equipment. The asset acts as security for the loan....
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### London
> Business loans for SMEs in London come in all shapes and sizes. Borrow from just a few £thousand all the way up to £5million, repay in weeks, months or years.
- Published: 2023-02-03
- Modified: 2024-06-26
- URL: https://swoopfunding.com/uk/locations/london/
- Areas: South East
Small Business Loans London Business loans for SMEs in London come in all shapes and sizes. Borrow from just a few £thousand all the way up to £5million, repay in weeks, months or years. Get a quote Small business loans can support your cashflow with working capital, buy major assets such as vans and machinery, provide the funds to start a new venture, or give you the financial muscle to grow your business faster. Read on to learn more about small business loans in London:London small business loansLondon business grantsAlternative business financing Your credit score Successfully applying for a business loan What small business loans are available in London? Expand production, launch a business, pay your VAT, support cashflow, or buy vehicles, plant and machinery:Starting a new businessEntrepreneurs seeking to launch their own small business in London may get a financial boost with a startup loan – seed money to get a new business off the ground. Government funds may also be available for this type of loan. Security may be required. Expansion loansExpand operations with development and bridging loans. Use the funds to refurbish or extend your current premises. Borrow up to 90% of the project cost and repay over 1 – 30 years. The property acts as security and in most cases, no extra collateral is required. Working capital loansWorking capital loans can be used to pay wages, utility bills, inventory and more. Depending on the type of loan you choose, added security may be required. Type of...
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### Birmingham
> No matter if you’re seeking to expand, start a business, pay taxes, cover cashflow, or buy vehicles, plant and machinery, there’s a small business loan for you.
- Published: 2023-02-03
- Modified: 2023-05-31
- URL: https://swoopfunding.com/uk/locations/birmingham/
- Areas: West midlands
Small Business Loans Birmingham No matter if you’re seeking to expand production, start a business, pay taxes, cover cashflow, or buy vehicles, plant and machinery, there’s a small business loan for you. Get a quote Swoop Birmingham Local Business 4. 9 40 reviews At Swoop we are keen to provide our customers with the best possible range of funding and savings solutions to help them protect the financial health of their businesses, whilst removing all of the jargon and empowering businesses to grow. phone 0203 514 3044 location_on Suite 109, Somerset House, 37 Temple Street, Birmingham, B2 5DP schedule open Monday to Friday, 08:30 am - 05:30 pm Borrow from just a few £thousand all the way up to £5million, repay in weeks, or months, or years. Read on to discover all you need to know about small business loans in Birmingham:Birmingham small business loansBirmingham business grantsAlternative business financing The credit score you needHow to successfully apply for a business loan in Birmingham What small business loans are available in Birmingham? Business loans in Birmingham come in all shapes and sizes: Expansion loansDevelopment and bridging loans can make dreams to expand your business become a reality. Refurbish or extend your current operating facilities. Borrow up to 90% of the project cost. Repay over 1 – 30 years. The property acts as security. In most cases there is no need to provide extra collateral. Start a small businessEntrepreneurs seeking to launch their own small business in Birmingham may get a financial...
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### Bristol
> Bristol-based SMEs seeking a small business loan to provide working capital, buy vehicles or machinery, or to fund expansion, have many loans to choose from.
- Published: 2023-02-03
- Modified: 2024-06-26
- URL: https://swoopfunding.com/uk/locations/bristol/
- Areas: South West
Small Business Loans Bristol Bristol-based SMEs seeking a small business loan to provide working capital, pay taxes, buy vehicles and machinery, or to fund business expansion, have many types of loan to choose from. Get a quote Borrow from a few £thousand up to £5million. Pay the loan back over weeks, months, or years. Read on to learn more about:Bristol small business loansBristol business grantsAlternative business financing optionsThe credit score you’ll needApplying for a business loan in Bristol What types of small business loans are available in Bristol? Business owners are spoilt for choice when it comes to small business loans in Bristol. While some loans have specific purposes, such as paying VAT, others can be used for any business expenditure. StartupsIf you’re launching a new business in Bristol, you may be eligible for a startup loan – seed funds to get a new venture up and running. As well as private lenders, Government funds are also available for this type of loan. Security may be required. Working capital loansWorking capital loans pay for expenses like wages, fuel bills, stock and raw materials and more. In some cases, added security may be required. Working capital loans for Bristol SMEs include:Small business loanWorks like a traditional bank loan. Borrow from £1,000 to £500,000. Repay the loan in a few months or over several years. Security may be required. Invoice finance Stop waiting 30, 60, 90 days or more for customers to pay their bills. Receive the cash tied up in your...
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### Manchester
> If you’re a Manchester business owner looking for a small business loan to cover cashflow, pay your VAT, buy stock, or expand, you’ll be spoilt for choice.
- Published: 2023-02-01
- Modified: 2024-04-15
- URL: https://swoopfunding.com/uk/locations/manchester/
- Areas: North West
Small Business Loans Manchester If you’re a Manchester business owner looking for a small business loan to cover cashflow, pay your VAT, buy stock and raw materials, or give you the financial boost to expand, you’ll be spoilt for choice. Get a quote There are many types of business loan available and for every type of purpose. Read on to find out all you need to know about:Manchester small business loansManchester business grantsAlternative business financing optionsThe credit score you’ll needApplying for a business loan What types of small business loans are available in Manchester? There are many types of business loan available in Manchester. Some have specific purposes, such as paying franchise costs, while others can be used to cover any type of business need. Depending on the loan you choose, you may be required to provide security, such as property or other hard assets. Working capital loansWorking capital loans pay for everyday expenses – things like wages, energy bills, inventory and more. Depending on the type of loan, added security may be required. Working capital loans for Manchester SMEs include:Small business loanSmall business loans work like traditional bank loans. Borrow from £1,000 to £500,000 and pay the loan back in just a few months or over several years. Security may be required. Invoice finance Instead of waiting 30, 60, 90 days or more, release the cash tied up in your outstanding invoices as soon as you issue them. You retain control of your sales ledger, and your clients need...
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### Glasgow
> With so many types of business loan available in Glasgow, it can be difficult to know which one is best for you. Read what is available here.
- Published: 2023-02-01
- Modified: 2024-06-26
- URL: https://swoopfunding.com/uk/locations/glasgow/
- Areas: Scotland
Small Business Loans Glasgow Caught between high energy costs, rising business rates, and customers with less cash to spend, many Glasgow business owners are feeling the financial pressure. Get a quote However, a small business loan can provide the funds they need to get them through a cashflow dip, pay taxes, buy stock and raw materials, or give them the firepower to innovate, expand, and explore new business markets. With so many types of business loan available in Glasgow, it can be difficult to know which one is best for you. Read on to learn more about:Glasgow small business loansGlasgow business grantsAlternative business financing optionsWhat kind of credit score you needHow to apply for a business loan What types of small business loans are available in Glasgow? No matter if you’re seeking to expand production, start a business, pay taxes, cover cashflow, or buy vehicles, plant and machinery, there’s a business loan for you. Expansion loansDevelopment and bridging loans can make dreams to expand your business become a reality. Refurbish, extend, expand your current operating facilities. Borrow up to 90% of the project cost. Repay over 1 – 30 years. The property acts as security. In most cases there is no need to provide extra collateral. Start a small businessEntrepreneurs seeking to launch their own small business in Glasgow may get a financial boost with a startup loan – hard-to-find seed cash to get a new business off the ground. Government funds may also be available for this type of...
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## Start a business
### How to sell on TikTok shop
> An extension of the hugely successful TikTok app, TikTok Shop lets you showcase, promote & sell your products to customers without having to leave the platform.
- Published: 2024-11-07
- Modified: 2025-01-17
- URL: https://swoopfunding.com/uk/start-a-business/how-to-sell-on-tiktok-shop/
- Start a business sectors: Business ideas
An extension of the hugely successful TikTok app, TikTok Shop lets you showcase, promote and sell your products to customers without ever leaving the platform. This is how you do it. Get a quote What is TikTok Shop? TikTok Shop is an e-commerce feature within the TikTok social media app. Launched in 2023, the Shop allows users to discover, buy, and sell products directly through videos and livestreams. Brands, creators, and businesses can showcase and sell items, enabling a seamless shopping experience. Users can explore products, see real-time reviews, and make purchases without ever leaving TikTok. Who can use TikTok Shopping? Businesses, sole traders and private sellers must be physically located in one of these countries to sell on TikTok Shop:IndonesiaMalaysiaThe PhilippinesSingaporeThailandUnited KingdomUnited StatesVietnamIf you’re located in any of these eligible countries, you can set up a TikTok Shop under one of the following categories: Seller, Creator or Partner. Let’s look at these categories in more detail:SellersTikTok Shop Sellers operate their own storefront and can sell directly to users who view their content. However, to do so, they must first verify their identity and location by providing a certificate of business incorporation, a driver’s license or passport, and the last four digits of their tax ID in addition to their TikTok account, phone number, and email. CreatorsTikTok Shop Creators can earn commission through TikTok Shop Affiliate. This program allows content Creators to partner with selected TikTok Shop Sellers, linking their products to your videos and on TikTok Lives and displaying...
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### Construction business
> Starting a construction business requires strategic planning, industry knowledge, and a strong foundation in legal and finances. Read all about this here.
- Published: 2024-11-07
- Modified: 2025-01-20
- URL: https://swoopfunding.com/uk/start-a-business/construction-business/
- Start a business sectors: Business ideas
The UK’s demand for new homes, commercial buildings and infrastructure upgrades is higher than ever – which is good news for anyone who wants to start a construction business. But how do you begin? What are the essential actions to take and the common mistakes to avoid? Read on to find out more. Get a quote Start a construction business: Step by step Starting a construction business requires strategic planning, industry knowledge, and a strong foundation in legal and financial aspects. From obtaining necessary licences, to hiring skilled labour, sourcing reliable suppliers and acquiring essential equipment, entrepreneurs need to overcome many hurdles to establish a reputable construction company. 1) What area of construction will you focus on? The UK construction industry is deep and varied, with most construction companies concentrating on a specific sector or a niche within a sector. Before you begin to build your business, do your homework to determine which area of the industry will work best for you. Common construction sectors include: Residential buildingsThis means homes for people to live in – usually houses or apartment blocks. Large scale developers often build clusters of houses or estates, sometimes with hundreds or even a few thousand homes incorporated into the project. Small to medium-sized construction companies will typically build just a few homes at a time, or even one home at a time, as the resources to build large numbers of dwellings simultaneously will be beyond their scope of operation. Top tip: The UK Government has committed...
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### How to choose your title as a business owner
> Your business title can set you apart from other company employees, indicate special skills, even determine how much you get paid. But which is right for you?
- Published: 2024-10-15
- Modified: 2024-12-30
- URL: https://swoopfunding.com/uk/start-a-business/how-to-choose-your-title-as-a-business-owner/
- Start a business sectors: Starting a business
What’s in a name? Quite a lot it seems, as there are dozens of business titles to explain who does what within a business structure. Your business title can set you apart from other company employees, indicate special skills, even determine how much you get paid. But which is right for you? Let’s dig into the hierarchy of business titles to discover more. Get a quote What is a business title? A business title is a formal designation or a label given to an employee or business owner that reflects their role, responsibilities, and position within an organization. It helps internal and external observers define a person’s position in the business hierarchy, clarify what they do, and can communicate authority. What different business owner titles are there? When it comes to their title, business owners are spoilt for choice:Owner: The Owner has full legal and financial control of the business. This title reflects the individual's ultimate authority over decision-making, operations, and ownership of assets within the company. CEO (Chief Executive Officer): The CEO is the highest-ranking executive in a company, responsible for making major decisions and setting strategy. They report to the board of directors and are in charge of overall operations. CEOs are typically employees of larger businesses and may or may not own any share of the business. Founder: The Founder is the person who originally established the company. This title reflects their role in starting the business, though they may or may not be involved in day-to-day...
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### How to start a retail business
> Starting a retail business can be exciting. With proper planning and execution, you can find success and meet your target market's needs. Learn more here.
- Published: 2024-05-30
- Modified: 2025-01-22
- URL: https://swoopfunding.com/uk/start-a-business/how-to-start-a-retail-business/
- Start a business sectors: Business ideas
Starting a retail business can be an exciting venture. With proper planning and execution, you can find success and meet your target market's needs. While getting your retail business up and running is no easy feat Swoop is here to provide insights toward profitability, and how we can support you on this journey. Get a quote Is a retail business profitable? A retail business can be highly profitable if a good location is chosen and management meets the needs of the market demand. Factors that are important in determining whether a particular retail business is profitable include; Selecting a viable nicheBuilding strong vendor relationshipsPracticing efficient management of inventory Keeping operational costs down While competition can be tough in many cases, creating a good business plan and using smart marketing strategies can better your chances in many cases. Consider, for example, a small boutique for environmentally friendly fashion. With growing awareness and the disposition of consumers toward more sustainable goods, such a niche can draw a loyal customer base willing to pay premium prices. Good inventory management keeps the boutique flowing with bestsellers, with the lowest overstock to minimise waste. Good vendor relationships mean better prices and access to exclusive goods. Market demand and trendsMarket demand and trends can work both for you and against you. While you need to stay ahead of trends and be attentive to market demand, you also need to not let it constantly sway your decisions. It's all about striking the right balance. Retail businesses that...
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### Open a pizza shop
> Opening a pizza shop is an exciting journey that brings the joy of making delicious food and the challenge of running a business. Read more about it here.
- Published: 2024-05-29
- Modified: 2025-01-22
- URL: https://swoopfunding.com/uk/start-a-business/open-a-pizza-shop/
- Start a business sectors: Business ideas
Starting a pizza shop is an exciting journey that brings the joy of making delicious food and the challenge of running a business. But there is a process that demands attention no matter your experience. At Swoop our aim is to help you understand what it takes to open a successful pizza restaurant, from the initial idea to opening day. Get a quote What is a pizza shop? A pizza shop, or pizzeria, specialises in making and selling pizzas. These establishments can offer various styles, such as thin crust, deep-dish, and wood-fired pizzas, often accompanied by salads, pasta, and beverages. Pizza shops range from small, family-run places to large franchises with multiple locations. What do I need to start a pizza shop? You’ll need a few things before you can get started running your pizza shop including:Business plan: A detailed outline of your business strategy. Funding: Money to cover startup costs and ongoing expenses. Location: A strategic spot where there’s demand for pizza. Licenses and permits: Legal approval to operate. Employees: Staff to manage daily operations. Equipment: Ovens, mixers, and other kitchen essentials. Supplies: Ingredients and packaging materials. Marketing: Strategies to attract and keep customers. Step-by-step guide on how to open a pizza shop Turning your dream of owning a pizza shop into a reality requires strategic planning and thoughtful execution. From the initial brainstorming and securing the right location, to obtaining funding and ensuring legal compliance, each step plays a crucial role in building a successful pizza business. Here’s...
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### Graphic design business
> Setting up your own graphic design business can be an exciting prospect. Here’s everything you need to know about how to start a graphic design business.
- Published: 2024-05-13
- Modified: 2025-01-22
- URL: https://swoopfunding.com/uk/start-a-business/graphic-design-business/
- Start a business sectors: Business ideas
Setting up your own graphic design business can be an exciting prospect. But it’s crucial that you understand exactly what’s involved to make sure you’re fully prepared and to help increase your chances of success. Here’s everything you need to know about how to start a graphic design business. Apply now Why start a graphic design business? Running your own business has several benefits. As well as enabling you to be more flexible about the hours you work, you’ll also be able to pick the projects you want to work on. Graphic design is a diverse field and can be a great option for self-employed individuals. So if you’re an experienced graphic designer and fancy working for yourself, setting up a graphic design business could be the perfect solution. As part of this, you’ll need to think about the area you want to work in. For example, you could work in branding and help businesses with logo designs and colour schemes, or you might want to work in layout and print design for magazines and newspapers. You could also consider graphic design for packaging, advertisements, websites or even for videos and animations. Steps to opening a graphic design business: Decide on a nameYour first step is to think of a name for your business. You want to think of something that’s easy to remember and spell, but you also want to make it clear to potential customers what type of business you run. Additionally, you must make sure your company...
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### Start a bakery
> How can you start the bakery you’ve always dreamt of owning? Let’s find out. Read on to discover all you need to know about starting one.
- Published: 2024-03-19
- Modified: 2025-01-22
- URL: https://swoopfunding.com/uk/start-a-business/start-a-bakery/
- Start a business sectors: Business ideas
The UK baked foods market is worth around £7. 8 billion and demand for bakery products is continuing to rise. With more and more customers seeking healthier, organic or specialist baked foods, the future of independent retail and wholesale bakeries has seldom looked so good. However, although bakeries can be great businesses – typically delivering profit margins of 15% and giving owners a personal income starting from £26,000 per year – starting your own bakery is not without its challenges. You’ll need premises to work from, employees, funding, permits and licenses, plus a good marketing angle and an enticing range of products. So how to do this? How can you get the bakery you’ve always dreamt of owning up and running? Let’s find out. Read on to discover all you need to know about starting a bakery business. Get a quote 1. Choose a bakery style The first thing you need to decide is what kind of bakery to operate. There are two basic models – retail bakeries and wholesale bakeries. Retail bakeries sell direct to consumers, usually as a storefront, but more often in a café environment where customers can sit down to eat a light meal or drink a cup of coffee. Wholesale bakeries sell to businesses – such as grocery stores, restaurants and hotels. In the UK, wholesale bakeries represent 25% of all bakery businesses, but they capture 88% of industry revenues. Retail bakeries may be best for entrepreneurs who want to sell more creative, bespoke and...
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### Open a liquor store
> If you dream of owning a liquor store, read on to find out how you get there, what hurdles must you cross, and what it will cost. Let’s find out.
- Published: 2024-03-19
- Modified: 2025-01-27
- URL: https://swoopfunding.com/uk/start-a-business/open-a-liquor-store/
- Start a business sectors: Business ideas
The old saying goes that no matter what the economy is doing, people still have to eat and drink – and judging by forecast liquor sales of billions in 2024, drinking alcoholic beverages is also a necessity. Get a quote With sales of liquor expected to grow every year for the rest of this decade, opening a liquor store may seem like a slam dunk – and if you do your homework right it can be. However, liquor stores are among the most regulated retail businesses in the UK, with laws covering every aspect of the operation. Add in expensive inventory, strong competition, high licensing costs and increasingly savvy customers and it doesn’t take much imagination to see that operating a liquor store can also be hard work. But let’s suppose your business dream is to own your own liquor store no matter what. How do you get there, what hurdles must you cross and most importantly, what will it cost? Let’s find out. Read on to discover all you need to know about opening a liquor store. How do I start a small liquor store? Opening a small liquor store comes with the same fundamentals as opening any kind of store, you can either start from scratch with a brand-new business, or you can buy an existing liquor store with an established customer base. However, that’s about as far as the similarities go, because opening a new liquor store or taking over an existing store can be one of...
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### Start a brewery
> With over 2,400 breweries producing millions barrels of beer annually, the UK craft brewing industry is growing each year. Read more, or apply here.
- Published: 2024-03-18
- Modified: 2025-01-22
- URL: https://swoopfunding.com/uk/start-a-business/start-a-brewery/
- Start a business sectors: Business ideas
With over 2,400 breweries producing millions barrels of beer annually, the UK craft brewing industry is growing year on year. However, that doesn’t mean it’s all plain sailing for budding beer entrepreneurs. Stiff competition from the majors and more small breweries opening every year is making it tough for new craft brewers to gain a toehold. But what do you do if your heart is set on owning your own beer-making business? How do you start a craft brewery and succeed in a crowded market? Like many things in life, it begins with a plan. Here’s all you need to know to give your new brewery the perfect head start: Get a quote What do I need to start a brewery business? First of all, to understand the basics: What is a craft brewery? To be classed as a craft brewery, your business can make no more than six million barrels per yearYour business must be an independent business with no more than 25% owned by a member of the alcoholic beverage industry who is not a craft brewer. The majority of the beverages you make must be beers with flavours derived from the fermentation of traditional or innovative brewing ingredients. For example, flavored malt beverages are not considered beers. So now we know what a craft brewery is, let’s look at the steps you need to take to launch one. Apply now Starting a brewery in 7 steps You don’t need experience in the beer-producing industry to start your...
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### Restaurant
> If you're looking to open a restaurant, look no further. Here’s a rundown of the key things you need to know before you take the plunge & become a restauranteur
- Published: 2024-03-15
- Modified: 2025-01-27
- URL: https://swoopfunding.com/uk/start-a-business/restaurant/
- Start a business sectors: Business ideas
After slumping during the pandemic, the UK restaurant industry quickly regained its strength and saw growth return in 2021. So, does this mean it’s a good time to open that restaurant you’ve always wanted? It could be. However, opening a new restaurant is not easy. It takes creativity, patience and dedication to succeed. Most of all, you’ll need a solid plan to get you there. With this in mind, here’s a rundown of the key things you need to know before you take the plunge and become a restauranteur. Get a quote How to open a restaurant: Step by step There are already more than 88,000 restaurants across the UK, and competition for leisure pounds has never been higher. If you’re going to make your restaurant a success you’ll need a novel concept, a great marketing plan, first-class location, terrific food and a reason for people to come back again and again. 1. Choose a restaurant concept and brandFrom your location to your restaurant décor, menu, marketing, even your pricing policy, your restaurant concept influences your whole business. Do your research before settling on a theme. What kind of cuisine is already available where you intend to operate? Is there a gap that nobody else is filling? Can you build a successful business within that niche? Additionally, you might want to consider the operating style of your potential competitors. Can you offer something that they don’t have? For example, if your area is full of casual diners, is there room...
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### How to get a loan to start a business
> So how do startup loans work and how do you get one? Read all you need to know about getting a loan to start a business here.
- Published: 2024-03-15
- Modified: 2024-12-30
- URL: https://swoopfunding.com/uk/start-a-business/how-to-get-a-loan-to-start-a-business/
- Start a business sectors: Starting a business
Thousands of new businesses were launched in the UK in 2023 and the pace of entrepreneurship shows no sign of slowing down. Doing your own thing in business is clearly the way to go. Many of these budding businesses used personal savings and funds from friends and family to get off the ground. But what do you do if you don’t have cash to hand and no personal sources to finance your great idea? Startup business loans are designed to help new organisations get up and running. More readily available from online lenders than traditional banks and credit unions, these specialised forms of financing can make all the difference when launching a new company, giving entrepreneurs the critical funding they need to get their business through the early months and years. So how do startup loans work and what do you need to get one? Read on to find out all you need to know about getting a loan to start a business. Get a quote What are the different types of startup business loans? There are many types of startup business loan. Interest rates, fees and terms and conditions can vary significantly. This means it is important to review all the options before settling on a deal. Here's a rundown of the best startup loans to support your new venture Term loansThis is the most common startup business loan. You receive a single, lump-sum cash injection and then pay it back in regular instalments over a fixed period of...
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### Laundromat business
> On average it costs £200,000 to £500,000 to launch a mid-size laundromat. Read all about the costs, or apply for finance with Swoop today.
- Published: 2024-03-01
- Modified: 2025-01-22
- URL: https://swoopfunding.com/uk/start-a-business/laundromat-business/
- Start a business sectors: Business ideas
Laundromats are a strong and steady industry, supported by a growing population and more people living in apartments and condos where in-home laundry facilities are becoming rarer. The fact is, people need clean clothes and if they can’t do them at home, laundromats are the only game in town. Get a quote However, opening a successful laundromat is no slam dunk. On average it costs £200,000 to £500,000 to launch a mid-size laundromat – and that’s one without all the bells and whistles, such as pay-by-card machines, wash/dry/fold/press services, vending machines and TV facilities to keep your customers entertained. On top of this are your day-to-day running costs, wages to employees, essentials like insurance and the constant need to maintain the machines that produce your income. All in all, launching a laundromat is not something you can do for a few thousand pounds – especially in the early days of your startup. But where does all the money go? Let’s dig into the facts to find out what it costs to open a laundromat. How much does it cost to open a laundromat? How much you spend will be influenced by what type of laundromat you wish to operate. Do you start from scratch in a new location, buy or rent an existing laundry business, or go the franchise route? If you start from scratch, you can create a laundromat exactly as you want it depending on your budget, but you’ll have to build your customer base from zero. If...
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### Vending machine business
> Vending machines are the stores that never close. Read all there's to know about starting a vending machine business, and finance options available here.
- Published: 2023-11-07
- Modified: 2025-01-27
- URL: https://swoopfunding.com/uk/start-a-business/vending-machine-business/
- Start a business sectors: Business ideas
Vending machines are the stores that never close. Open 24/7 for the sale of food, drinks, candy, toys, and more, they’re a fast and convenient way to buy the things we need. They’re also profitable, low maintenance and suitable for investors seeking passive income or a part-time or full-time business venture. But if you’re new to the world of vending machines, how do you start your own vending machine business? What kind of equipment do you need, what do you sell, where do you sell, and what does it all cost? Read on to discover all you need to know about starting your vending machine business and where to get the funds to get it off the ground. Get a quote Are vending machine businesses profitable? Vending machines are standalone cash or card-operated devices that sell a wide range of products to consumers. A vending machine business is an organisation that manages one or more of these machines – usually as the equipment owner, but sometimes as a franchisee. Vending machines can be found in many different locations, from airports and strip malls to colleges and theme parks. Dispensing candy, sodas, snacks, healthy foods, tech equipment, beauty products and more, these machines can provide a low-cost entry point to a lucrative business opportunity. The UK vending machine market was valued at USD 51. 91 billion in 2021 and approximately 7 billion items are dispensed from vending machines every year. Vending machine operators are responsible for purchasing or renting the machines,...
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### How to start a small business
> Starting your own business can be an exciting and rewarding experience. But there’s a lot to consider to get your business off the ground. find out more here.
- Published: 2023-07-12
- Modified: 2025-04-23
- URL: https://swoopfunding.com/uk/start-a-business/how-to-start-a-small-business/
- Start a business sectors: Starting a business
Starting your own business can be an exciting and rewarding experience. But there’s a lot to consider and you’ll need to be prepared to put in the work to get your business off the ground. Part of this will involve writing a business plan, deciding on the legal structure of your business and getting funding to help your business expand and grow. So, take a deep breath, grab a cup of tea, and check out our comprehensive guide that covers all you need to know about how to start a small business. Get a quote Why start your own business? There are multiple reasons why you might want to start your own business. Perhaps the most attractive one is that you get to be your own boss. This means you can work more flexibly, pick your own hours and decide what type of work you want to do. Going it alone can mean you get to focus on something you’re interested in while also having a varied role. One minute you could be dealing with suppliers, the next you could be tackling accountancy spreadsheets. Working for yourself can also be very profitable, provided you have the right business idea and the right mindset. To give yourself the best chances of success, you’ll need to give some serious thought to the type of business you want to run. Think about what you’re interested in as well as what you’re good at. Do people regularly come to you for advice about certain...
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### Transport business
> If you know a lot about the transport industry and are keen to run your own business, this short guide aims to cover the steps you need to take.
- Published: 2023-07-12
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/start-a-business/transport-business/
- Start a business sectors: Business ideas
If you know a lot about the transport industry and are keen to run your own business, this short guide aims to cover the steps you need to take and help you understand how to start a transport business. Get a quote Why start a transport business? Demand for transport services is high right now. A shortage of HGV drivers and high fuel costs mean that many clients are desperately looking for suppliers to transport goods around the UK and on the continent. That means that if you have experience in the haulage industry and fancy being your own boss, it could pay to set up your own transport business. Be warned, however, that it is also a competitive industry, so it’s crucial to do some research and take steps to keep your costs low to increase your chances of success. What are the steps to opening a transport business? If you’re thinking about opening a transport business, below are the key steps to follow to get your plans off the ground. Step 1. Identify your niche First of all, you need to decide what sort of service you want to offer. You can, of course, operate in a number of areas, but it’s generally better to establish a particular niche at the start to help you stand out from your competitors and perhaps attract more specialist clients. Some examples to think about include waste disposal, parcel delivery, and vehicle transport, but there’s a whole range of alternative options. Make...
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### Nursery business
> Do you have a background in childcare and fancy running your own nursery? This guide will explain everything you need to know about starting a nursery business.
- Published: 2023-07-12
- Modified: 2025-04-24
- URL: https://swoopfunding.com/uk/start-a-business/nursery-business/
- Start a business sectors: Business ideas
Do you have a background in childcare and fancy running your own nursery? This comprehensive guide will explain everything you’ve ever wanted to know about how to start a nursery business. Get a quote Why consider starting a nursery? Running your own nursery business can be a highly rewarding experience. After all, you’ll be heavily involved in children’s early development and can help to give them a good start in life. Demand for new childcare settings is also high. With more parents going back to work after having a baby, and as new government schemes are introduced to help parents with costs, demand for nurseries is going up all the time. Of course, starting your own business also means you get to be your own boss, so once your business is up and running, you might have more flexibility in choosing your working hours. So, if you have a love for children’s learning and development, you’re good at managing people and you’re capable of managing everything from looking after children to marketing to bookkeeping, starting a nursery could be the perfect solution. Are nurseries profitable? Running a nursery can be profitable but it needs to be managed well. Startup and running costs can be very high which means you need to find ways to keep costs down and boost your profit margin. Your nursery premises will likely be your biggest expenditure and prices will vary depending on your location and the type of premises you’re buying or renting. You might...
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### Moving and removal business
> If you fancy running your own business and you prefer being physically active to sitting at a desk, setting up a removal firm could be right up your street.
- Published: 2023-07-12
- Modified: 2025-01-22
- URL: https://swoopfunding.com/uk/start-a-business/moving-and-removal-business/
- Start a business sectors: Business ideas
If you fancy running your own business and you prefer being physically active to sitting at a desk all day, setting up a removal firm could be right up your street. But before you go ahead, there are a number of important points to consider. This short guide aims to cover everything you need to know about how to start a moving business. Get a quote Decide what services you want to offer A key part of getting your business up and running is to give some thought to the type of services you want to offer. Some of the options open to you include:Man and van If you’re one person working on your own, a man and van service could be the most suitable choice. These services are typically more popular with those on a lower budget and all you’ll need to do is drive the van and help your clients load and unload their items. Self-loadAgain, this service tends to be most attractive to clients looking to keep costs down. Plus it’s even less work for you. You simply drive the van from A to B, while your customers load and unload it. Home removalsIf you’re looking to start a larger business, a home removals service might be more appropriate. This type of service will be more expensive, so you’ll earn more, but you’ll need to find a business partner or hire staff to help you. Commercial removalsYou could also think about helping businesses to move to a...
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### Makeup business
> Launching your own makeup business means you’ll be able to start your own brand. It also gives you the freedom to set your own prices & sell in-store or online.
- Published: 2023-07-12
- Modified: 2025-01-22
- URL: https://swoopfunding.com/uk/start-a-business/makeup-business/
- Start a business sectors: Business ideas
If your interests lie in beauty and cosmetics, you might be thinking about starting your own makeup business. Whether you’re thinking of launching an online store or you’d prefer to sell your products through distributors, a physical store or independent consultants, this guide explains all you need to know about how to start a makeup business. Get a quote Why launch a makeup business? Launching your own makeup business means you’ll be able to start your own brand. It also gives you the freedom and flexibility to set your own prices and sell products in-store or online. Plus, it could enable you to follow your dream and work in a business you’re really passionate about, while also having the benefit of being your own boss and working the hours that suit you. What types of businesses are available in cosmetics? There are lot of options to explore when it comes to starting your own cosmetics business. It’s important to choose a suitable niche to focus on as this will help you build a brand, find your target market, and stand out from the competition. When weighing up your options, you want to think about whether your brand will fill a product gap in the market, or whether it’s going to be a new version of a popular classic. Make sure you carry out some market research first to assess whether there will be sufficient demand. Some of the areas to think about include:Traditional makeup products: This includes mascaras, lipsticks, foundation,...
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### Farming business
> Is it your dream to run your own farm? This guide takes you through the necessary steps to help you understand how to start and finance a farm.
- Published: 2023-07-12
- Modified: 2025-01-22
- URL: https://swoopfunding.com/uk/start-a-business/farming-business/
- Start a business sectors: Business ideas
Is it your dream to run your own farm? If so, you’ll need to have the relevant experience and be prepared to put in the work to boost the chances of your farm being profitable. This guide takes you through the necessary steps to help you understand how to start a farm. You might want to start a farm if you like the idea of working for yourself and enjoy spending a lot of time outside. Although farming can be challenging, if you plan well, it’s possible to earn a decent profit. What’s more, there’s a wide range of different farming types to choose from. You could consider poultry farming, vegetable farming or dairy farming, for example. You could also think about growing cereals such as barley, oats and wheat, or fruits such as apples, strawberries and raspberries. Get a quote Is farming profitable? Farming can be profitable, but you need to plan carefully. The covid-19 pandemic hit farming incomes hard and they have struggled to recover. That said, figures from the Office for National Statistics (ONS) show that Total Income from Farming (TIFF) in England for 2021 was £4. 3 billion, an increase of 17. 7% from 2020. As well as the pandemic, the farming industry has also been affected by extreme weather, such as heavy rain or prolonged dry spells in recent years, as well as Brexit. Farming can be unpredictable so you need to ensure your farm is resilient, that you’re producing maximum yield and that you’re...
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### Gym business
> If you’re a fitness professional and fancy running your own gym, it’s important to understand what’s involved, the costs, and how you’ll finance it.
- Published: 2023-06-19
- Modified: 2025-01-20
- URL: https://swoopfunding.com/uk/start-a-business/gym/
- Start a business sectors: Business ideas
If you’re a fitness professional or personal trainer and you fancy running your own gym, it’s important to understand exactly what’s involved, how much it’s going to cost you and how you’ll finance it. Read this guide to find out everything you need to know. Get a quote What are the steps to opening a gym? Opening a gym requires a lot of work, but the steps below can help get you started:1. Check you have the right qualifications and skills2. Research licensing3. Find the right premises4. Consider insurance5. Acquire gym equipment6. Hire staff7. Market your gym 1. Check you have the right qualifications and skillsTo run your own gym, you’ll need to have good people skills and be prepared to work long hours. Remember that most gym users will have jobs of their own which means they’ll often want to work out in the early morning or evening. You’ll also need a minimum of a Level 2 qualification as a fitness instructor which you can complete in-person or online. You and any employees should have adequate safety training and you’ll need an appropriate number of first aiders on site too. It’s important to familiarise yourself with the Health and Safety at work etc Act 1974 and The Management of Health and Safety at Work Regulations 1999. 2. Research licensingMake sure you understand what licensing you’ll require. This will depend on the range of activities you plan to offer. For example:If you plan to sell or prepare food on the...
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### Consulting business
> Curious to know how to start a consulting business? It’s important to have a clear understanding of what it involves and how to finance it. Find out here.
- Published: 2023-06-19
- Modified: 2025-01-22
- URL: https://swoopfunding.com/uk/start-a-business/consulting-business/
- Start a business sectors: Business ideas
Curious to know how to start a consulting business? It’s important to have a clear understanding of what it involves and how to finance it. This guide takes you through the necessary steps to help you get set up. Get a quote What is consulting? Consulting is the process of providing expert advice to people working in a professional or technical field, in return for a fee. Consultants specialise in a niche industry or trade. They are experts in their field and must have valuable knowledge that people are willing to pay for. As well as giving advice, a consultant might offer feedback, strategy building and problem diagnosis. They work to help businesses become more successful and can offer a new perspective to help businesses overcome certain challenges. Consultancy or contractorConsultants and contractors both work with businesses, but they work in different ways. Contractors are self-employed workers that are contracted by companies to provide certain services. Consultants are hired to provide expert advice and might be self-employed or employed by a consulting company. However, it’s also possible for consultants to be asked to provide a service in a contractor-type role. Types of consulting businesses: There are several different types of consulting businesses, as we explain below:1. Management ConsultingThis is the most common type of consulting. If you go into this line of work, you’ll work with business leaders to help their companies run smoothly. You might assess certain processes and help them to implement new ones, for example. You might...
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### Landscaping business
> If you enjoy working outside and are keen to be your own boss, setting up a landscape gardening business could be an option to explore. Read how here.
- Published: 2023-06-19
- Modified: 2025-01-22
- URL: https://swoopfunding.com/uk/start-a-business/landscaping-business/
- Start a business sectors: Business ideas
If you enjoy working outside and are keen to be your own boss, setting up a landscape gardening business could be an option to explore. This guide explains everything you need to know about how to start a landscaping business. Get a quote Why start a landscaping business? Working for yourself has a number of benefits. For a start, you’ll have more flexible working hours and you’ll be able to choose the projects you want to work on. If you’re also someone who likes to work outside, rather than sit at a desk all day, and you enjoy being creative, a landscape gardening business could be a good match. However, you will need to be prepared to work hard and be happy to work all in weather conditions. You’ll also need to have training in lots of different areas, including stonework, paving, draining and irrigation and decking, and have a good knowledge of plants. If you don’t have the required skills, it’s best to take a course at a horticultural college before you start. What equipment is required? To enable you to easily travel to different clients, you’ll need to invest in a reliable vehicle. You’ll also need to invest in a range of tools and other equipment. Try to buy good-quality tools so that they last well and remember that your vehicle will need to be large enough to contain them. Tools and equipment to think about include:LawnmowerTrailerHedge trimmerStrimmerSpreaders and sprayersLeaf blowerEdgerShovels, spades and forksRakeHosesMarking and measuring toolsBasic carpenter’s...
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## Marketplace
### Blink payment
- Published: 2024-07-18
- Modified: 2024-10-31
- URL: https://swoopfunding.com/uk/marketplace/blink-payment/
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### Teya
- Published: 2024-07-18
- Modified: 2024-08-28
- URL: https://swoopfunding.com/uk/marketplace/teya/
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## Government support
### Andrea Reynolds's expert insights into the Spring 2025 Budget statement
> The spring budget 2025 included few benefits for UK SMEs, - they were minimal, extensions of extensions, or relied on projections that may not come to pass.
- Published: 2025-04-02
- Modified: 2025-04-02
- URL: https://swoopfunding.com/uk/government-support/spring-budget/
- Government support type: Budgets
Add a header to begin generating the table of contents On 25 March 2025, Chancellor Rachel Reeves delivered her latest Budget Statement. Andrea Reynolds, CEO and Co-Founder at Swoop, gave her reaction to the latest developments. For the full interview, check out the video below. https://youtu. be/1rS-3XIlXVs Too long; didn’t watch: Spring Budget 2025 key takeaways — and why it matters more than you think Construction and defence sectors get a boost through new funding and innovation spend — with knock-on benefits for anyone in those supply chains. Entrepreneurship needs support — now more than ever — through community, access, and smarter tools. Tougher HMRC penalties on late payments, and “Time to Pay” might not be as flexible and beneficial as you once thought. National Insurance and wage increases are hitting businesses hard — so it's wise to explore salary sacrifice schemes that could save your business (on average) £50k–£150k. VAT and tax loans are becoming more cost-effective than government options. The rising cost of labour is accelerating the shift toward automation and smarter planning. Now’s the time to build contingency plans, stress test your cash flow, and explore ways to save or fund better while rates are still in your favour. Growth takes a knock The overall economic outlook is looking tough for SMEs. The threat of those Trump tariffs looming is expected to knock a further 1 percent off our growth forecast. On top of that, government debt is at its highest level since the 1960s, which unfortunately...
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### Autumn Budget 2024: how will it impact your business?
> The government has given a budget that was big on investment, repairing the nation’s foundations & promoting long-term stability. What does this mean for you?
- Published: 2024-11-13
- Modified: 2025-03-17
- URL: https://swoopfunding.com/uk/government-support/autumn-budget/
- Government support type: Budgets
With the devil in the details, what do business owners need to be aware of in the Autumn Budget 2024? The government has given us a budget that was big on investment, repairing the nation’s foundations and promoting long-term stability. Up to £40bn in new taxes were announced to pay for this sunny forecast, but the overriding message was that this budget would not hurt working people. Instead, the vast bulk of the new taxes are to be levied on businesses both large and small - a strategy that may prove successful in the long run but will surely cause significant pain for many UK businesses in the short-term. Let's take a look at the most significant additional costs facing SMEs in the coming year. Increased costs for employers One of the most significant changes for businesses is the increased cost of hiring. The government's "Make Work Pay" initiative, while aiming to boost worker incomes, will increase employer National Insurance Contributions (NICs). For example: A business with a £50,000 annual payroll will pay an additional £1,106 in NICs per year. For businesses with multiple employees on the National Living Wage, the impact can be even more significant. A business with five full-time employees on the National Living Wage will see an additional cost of around £2,270 per year. Other cost increases Business Rates: While there is some relief for retail, hospitality, and leisure businesses, many others will face increased business rates. Business rates are forecast to raise £26 billion in...
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### How the Autumn Budget 2024 will affect businesses: three examples
> Rachel Reeves unveiled Labour’s first Budget on 30 October. In this blog, we’ll look at how these changes impact three example SMEs.
- Published: 2024-11-13
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/government-support/autumn-budget/2024-examples/
- Government support type: Budgets
We look at the bottom line impact of the budget for a manufacturing, retail and pub business  Rachel Reeves unveiled Labour’s first Autumn Budget on 30 October. In this deep dive, we’ll look at how these changes impact three example SMEs. They are: A technical engineering company manufacturing network and communications systems and based in Coventry. A small chain fashion retailer based in Liverpool. A pub in Croydon. Characteristics of three example SMEs ManufacturerRetailerPubLocations1Own their premises3Lease premises1Own their premisesStaff53(5 on NLW)(4 directors)20(10 on NLW)(3 directors)9(5 on NLW)(2 directors)Payroll cost (£)£1. 6m£470k£180kGross turnover p. a£5m£3. 5m£500kNet profit % and £9% - £450k15% - £525,00010% - £50kNLW = National Living Wage Rise in employer National Insurance contributions (NICs) Both the pub and the retailer receive Employment Allowance which reduces their exposure to the rise in employer NICs. The manufacturer does not. However, all three businesses are liable to pay NICs on all their employees, presenting a 1. 2% increase across the board. Here’s a rough example to show how that could play out in the next tax year (2025/2026): ManufacturerRetailerPubTotal payroll£1,600,000£470,000£180,000Employees earning more than £5000 p. a53209Payroll after threshold£1,335,000£370,000£135,000Old NICs at 13. 8%£184,230£370,000£18,630New NICs at 15%£200,250£55,500£20,250Difference+£16,020+£4,440£20,250 Because they receive Employment Allowance, both the retailer and the pub can reduce their NICs cost by £10,500 per year - £5,500 more than in 2024/2025. The increase in EA wipes out the rise in NICs for both businesses and leaves them paying less than they did in 2023/24. The manufacturer is not so fortunate. They...
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### Apply for the Growth Guarantee Scheme
> The Growth Guarantee Scheme aims to support UK businesses with government-backed loans of up to £2m. Ready to apply?
- Published: 2024-07-10
- Modified: 2025-01-23
- URL: https://swoopfunding.com/uk/government-support/growth-guarantee-scheme/apply/
- Government support type: Government schemes
Apply for a loan under the Growth Guarantee Scheme The Growth Guarantee Scheme (GGS) is a continuation of the popular Recovery Loan Scheme, with loans between £1,000 to £2m. Apply now Loans of up to £2 million Borrow for up to 6 years No early settlement fees A continuation of RLS What can I use the funds for? Use your Growth Guarantee Scheme finance for any legitimate business purpose, for example: managing cash flow buying equipment meeting a one-off cost helping with payroll growing your business marketing Apply now How to apply Register your business with Swoop And access your personal dashboard. Get matched to funding opportunities We'll match you with all suitable loan options, as well as other funding opportunities. Apply in minutes Keep updated with changing circumstances and easily submit your application to lenders. Apply now Industries taking advantage of GGS Manufacturing Construction Wholesalers Transportation Business services Apply now Growth Guarantee Scheme calculator Tips for applying Make sure you have a clear idea about of the purpose of the loan and include this in your business plan. Prepare paperwork, such management accounts, financial accounts, and information about business assets, before you apply. Applying through Swoop will allow you to find the right type of borrowing, at the right rate, from the most relevant lenders to your business needs. Unlike some previous government-backedloans the British Business Bank is not paying the first year’s interest and fees. Make sure you’ve factored this into your forecasts. Apply now
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### Growth Guarantee Scheme
- Published: 2024-05-23
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/government-support/growth-guarantee-scheme/
- Government support type: Government schemes
The Growth Guarantee Scheme (GGS) explained - what is it and how does it work? Renamed the Growth Guarantee Scheme, the government’s extension of the Recovery Loan Scheme launched on 1 July 2024, supporting UK businesses with lending of up to £2 million Add a header to begin generating the table of contents Page written by Arabella McAvoy. Last reviewed on September 25, 2024. Next review due April 6, 2025. Arabella McAvoy Expert financial copywriter Arabella is a former BBC business journalist who began her career as a policy analyst at the Bank of England and Financial Conduct Authority, and more recently worked in the communications and policy team at the British Business Bank. × Arabella McAvoy Expert financial copywriter Arabella is a former BBC business journalist who began her career as a policy analyst at the Bank of England and Financial Conduct Authority, and more recently worked in the communications and policy team at the British Business Bank. Twitter Linkedin Add a header to begin generating the table of contents What is the Growth Guarantee Scheme (GGS)? In the Spring 2024 Budget, the Chancellor announced that the Recovery Loan Scheme, originally set up to support the UK’s small businesses during the pandemic with government-backed lending, will be extended until 2026. The scheme has a new name – the Growth Guarantee Scheme (GGS) – but the terms remain broadly unchanged. As per the Recovery Loan Scheme (RLS), lending can be in the form of term loans, overdrafts, asset finance, and...
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### Full expensing
- Published: 2023-03-21
- Modified: 2024-12-17
- URL: https://swoopfunding.com/uk/government-support/full-expensing/
- Government support type: Government schemes
Why pay more tax than you need to? Full expensing lets you claim back 100% of the cost of qualifying plant and machinery all in one go. Save up to 25p for every £1 you spend.
Full expensing explained Why pay more tax than you need to? Full expensing lets you claim back 100% of the cost of qualifying plant and machinery all in one go. Save up to 25p for every £1 you spend. Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on September 25, 2024. Next review due April 6, 2025. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. × Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance. Linkedin Websiteweb_asset Full expensing is a tax relief scheme that can take the sting out of buying big-ticket business assets. Set the full cost of...
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