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....

On 6th April 2017 a long-awaited new law came into effect. The Payment Transparency Regulation forces larger businesses to report on their payment practices and performance. It aims to improve the payment culture by effectively naming and shaming the late payers. We’re looking forward to this initiative which will help...

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...

An unmanaged cash flow gap can cause serious problems and put a business at risk of failure. Through a combination of sound strategy and the right finance product, businesses can take control and manage short-term cash flow gaps, boost growth and optimise their supply chain. Here we take a look...

So, you’re looking into scaling up your business to take it to the next level; increase your market share, break into new markets, or increase revenue and profits? It’s a brave move, yet can also be a highly rewarding one, both personally and financially. In this new PDF guide we look...

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...

Are you looking to take your business to the next stage, to grow and evolve? At key stages of its development, most companies will find that they need business funding. Having the appropriate finance in place to allow you to achieve your goals and maximise your chances of success is critical....

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...