The new Fair Payment Code, introduced by the UK government in January 2025, is designed to tackle the longstanding issue of late payments, particularly benefiting small businesses.
How will the new Fair Payment Code impact large companies
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Lease Finance
Lease finance lets you rent equipment or assets for a fixed period, rather than buying them outright. It’s a handy way to get access to the tools you need, without tying up a load of cash.
Start Up Loans
Start Up Loans are aimed at new businesses or those in their first couple of years of trading. They’re usually unsecured, government-backed, and come with fixed interest rates and simple repayment terms.
Bridging and Development Finance
Bridging and development finance are both short-term funding options, mostly used for property projects. Think of them as “gap fillers” — they help you move quickly when traditional finance won’t cut it.
Merchant Cash Advance
A Merchant Cash Advance (MCA) lets you borrow money based on your future card sales. Instead of a fixed monthly repayment, the lender takes a percentage of your daily or weekly card takings until the amount is paid back.
Asset Finance
Asset finance is a way to fund the purchase (or use) of business equipment, vehicles, or machinery without paying the full cost upfront.