Blog: advice and trends from the Pay4 team. Quality business finance blog
15350
blog,paged,paged-3,cookies-not-set,ajax_fade,page_not_loaded,,qode-theme-ver-16.7,qode-theme-bridge,wpb-js-composer js-comp-ver-5.5.2,vc_responsive

Blog

Accounting for around 99% of business across all sectors, SMEs remain the lifeblood of the UK economy. SMEs form 47% of all private sector turnover, contributing £1.8trillion annually. Their centrality to the performance of the UK’s business environment means they will play a fundamental part in leading any economic recovery....

The UK’s small businesses need to embrace exporting. According to World First, the typical UK SME exporter generates over £287,000 from exports each year. Yet less than a fifth of UK SMEs currently export. In our latest video, Tim Marshall, Chief Operating Officer and Risk Director for Pay4 offers a...

The finance landscape has changed. It’s no longer a case of choosing between traditional term loan debt finance or relinquishing equity. Alternative lenders now offer a range of flexible, growth-focused finance products. The key is choosing the right one for your business. Here we show how Pay4 offers something different....

Asset-based lending has traditionally been used by businesses to fund expansion, close gaps in working capital, and cover unforeseen expenses. It's often seen as a fast, attainable, flexible and cost-effective alternative to mainstream lending for successful businesses. Yet asset-based loans do sometimes come with drawbacks, including lack of control, higher...

The alternative finance industry has seen staggering growth in recent years. The Centre for Economics and Business Research predicts that the market will be worth £12.3bn by 2020. Yet still only a small proportion of businesses turned down by traditional lenders go on to seek out alternative options. With alternative...

Many businesses experience gaps within their cash flow, due to seasonal demand variations or unexpected expenditure. A business line of credit is a popular option for closing gaps in working capital.  Here we look at what getting a business line of credit entails, and how it differs from both Pay4's revolving...