SME Lending Trends: Why borrowing is up, but costs are uncertain.

Описание: Did you see the latest Bank of England data? Lending to small and medium businesses is up 14% this quarter compared to last year.

Businesses are finally moving from 'survival' to 'growth.' But here’s the catch: while credit is available, the cost of that debt is still sensitive to global uncertainty.

If you’re planning to draw down a facility or apply for a loan this month to fuel your 2026 growth, don't just look at the headline interest rate. Look at the flexibility of the repayment terms. Are you protected if things slow down?

Smarter finance isn't just about getting the money; it’s about getting the money that won't strangle your business if the economy shifts. Don't borrow just because you can—borrow because you've modeled the repayment.