In March 2020, the UK government lowered the barriers to business lending. The result?

Over 20,000 fewer business closures compared to the previous year. (Source: ONS data).

That shift wasn’t magic, it was access. Through schemes like the Coronavirus Business Interruption Loan Scheme (CBILS), funding became more visible, less risky, and easier to secure for everyday SMEs.

So what changed?

• Visibility: The scheme was clear, advertised, and available through mainstream banks.
• Risk: Loans under £250k didn’t require a personal guarantee — a huge shift for everyday business owners.

These aren’t just features. They’re principles of fairness.

And they highlight what’s broken today.

Why Most SMEs Still Struggle to Access Fair Capital

If you run a small business today, you likely won’t see your best funding option on a bank website or Google ad. You’ll face:

• Personal guarantees that penalise people without property
• Opaque fees and fine print
• Lenders that say “computer says no” without explanation

This creates a system where wealth, networks, and polished paperwork often dictate funding access more than business potential.

That doesn’t mean funding should be easy – just fairer.

According to the British Business Bank, founders with more personal capital or assets can often unlock better terms, move faster, and take more calculated risks. That’s just how the system works.

But we believe every founder deserves a real shot, regardless of postcode, personal wealth, or how “neatly” their business fits on paper.

That’s what we’re here to do.

What We Do Differently

We believe fairness isn’t about handouts – it’s about access, clarity, and support.

That’s why we:

• Search across 300+ lenders and funding products — not just the usual suspects
• Break down the real cost — interest, fees, term, and conditions
• Help you present your business properly — so strong businesses aren’t penalised for messy paperwork
• Explain risk clearly — including how to protect your home and access PG Insurance

We’re not here to push deals. We’re here to make sure founders can fund growth without getting trapped by complexity or unfair terms.

We do this every day – for ecom brands, agencies, trades, consultants, manufacturers, wholesalers, and tech startups across the UK.

Because when the system is stacked, a bit of clarity goes a long way.

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