Business Loan Opportunities and Advantages for SMEs in the UK

<p><span style="font-size:26pt;">Unlocking Growth: Business Loan Opportunities and Advantages for SMEs in the UK</span></p>
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<p><span style="font-size:11pt;">Small and Medium-sized Enterprises (SMEs) are the backbone of the British economy, contributing significantly to job creation and innovation. However, to fuel growth and expansion, SMEs often require financial support in the form of business loans. In this article, we will explore the various opportunities and advantages of securing business loans for SMEs in the UK, with a special focus on Debite, a brand that stands out by offering substantial loans of up to &pound;500,000 with competitive interest rates and minimal conditions, ensuring speedy access to capital.</span></p>
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<h2><span style="font-size:16pt;">The Importance of Business Loans for SMEs in the UK</span></h2>
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<p><span style="font-size:11pt;">SMEs play a vital role in the UK economy, accounting for over 99% of all businesses in the country. They range from small family-owned shops to high-tech startups, but they all share a common need &ndash; access to capital. Business loans serve as a lifeline for these enterprises, enabling them to invest in new equipment, hire skilled talent, expand into new markets, or simply weather financial storms.</span></p>
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<h2><span style="font-size:16pt;">Opportunities for SMEs in the UK</span></h2>
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<p><span style="font-size:11pt;">The UK financial landscape offers a multitude of business loan opportunities for SMEs. These opportunities can be broadly categorized into traditional lenders, alternative financing options, and government-backed schemes.</span></p>
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<h3><span style="color:#434343;font-size:13.999999999999998pt;">Traditional Lenders:</span></h3>
<p><span style="font-size:11pt;">Traditional banks and financial institutions have been the go-to source for business loans for decades. They offer a stable and established route to securing funds. However, these loans often come with stringent criteria, prolonged approval processes, and high-interest rates.</span></p>
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<p><span style="font-size:11pt;">Alternative Financing:</span></p>
<p><span style="font-size:11pt;">With the rise of FinTech, alternative lenders have emerged as strong contenders in the SME lending space. These lenders typically offer faster approval times, flexible terms, and a streamlined application process. Peer-to-peer lending platforms, crowdfunding, and online lenders fall into this category.</span></p>
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<h3><span style="color:#434343;font-size:13.999999999999998pt;">Government-backed Schemes:</span></h3>
<p><span style="font-size:11pt;">The UK government is committed to supporting SMEs through various schemes, including the British Business Bank&apos;s Enterprise Finance Guarantee (EFG) and Start Up Loans Program. These schemes provide financial backing and reduced risk for lenders, making it easier for SMEs to secure loans.</span></p>
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<h3><span style="color:#434343;font-size:13.999999999999998pt;">Debite: A Game-Changer in SME Lending</span></h3>
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<p><span style="font-size:11pt;">While SMEs have a variety of options for securing business loans, Debite stands out as a brand that understands the unique needs of small businesses and offers tailored solutions to help them thrive. Debite&apos;s commitment to providing high loan amounts, low-interest rates, and minimal conditions sets it apart in the competitive market.</span></p>
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<h2><span style="font-size:16pt;">Advantages of Debite Business Loans</span></h2>
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<h3><span style="color:#434343;font-size:13.999999999999998pt;">High Loan Amounts:</span></h3>
<p><span style="font-size:11pt;">Debite offers business loans of up to &pound;500,000, significantly higher than what many other lenders provide. This substantial capital injection empowers SMEs to pursue ambitious growth strategies, invest in technology, and expand their operations.</span></p>
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<h3><span style="color:#434343;font-size:13.999999999999998pt;">Competitive Interest Rates:</span></h3>
<p><span style="font-size:11pt;">Debite is known for its highly competitive interest rates. With rates often lower than traditional banks and other alternative lenders, SMEs can save a significant amount on interest payments over the life of their loan.</span></p>
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<h3><span style="color:#434343;font-size:13.999999999999998pt;">Minimal Conditions:</span></h3>
<p><span style="font-size:11pt;">Unlike many lenders that require extensive collateral or a lengthy financial history, Debite focuses on the potential of the business and its ability to generate future revenue. This approach allows more SMEs to qualify for loans and access the capital they need without unnecessary hurdles.</span></p>
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<h3><span style="color:#434343;font-size:13.999999999999998pt;">Speedy Approval Process:</span></h3>
<p><span style="font-size:11pt;">Time is of the essence for SMEs, and Debite understands this. They streamline their application and approval processes, ensuring that businesses can access funds quickly when they need them the most.</span></p>
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<h2><span style="font-size:16pt;">Other Notable Business Loan Providers in the UK</span></h2>
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<p><span style="font-size:11pt;">While Debite offers compelling advantages, it&apos;s essential to explore other reputable business loan providers in the UK. This diversity allows SMEs to choose the best fit for their specific needs:</span></p>
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<h3><span style="color:#434343;font-size:13.999999999999998pt;">Barclays:</span></h3>
<p><span style="font-size:11pt;">As one of the largest banks in the UK, Barclays offers a wide range of business loan products, including overdrafts, term loans, and asset finance. They have a strong presence in the SME lending market and provide competitive rates.</span></p>
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<h3><span style="color:#434343;font-size:13.999999999999998pt;">Funding Circle:</span></h3>
<p><span style="font-size:11pt;">Funding Circle is a prominent peer-to-peer lending platform that connects investors with SMEs seeking loans. They offer fast approvals and flexible terms, making them a popular choice among small businesses.</span></p>
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<h3><span style="color:#434343;font-size:13.999999999999998pt;">NatWest:</span></h3>
<p><span style="font-size:11pt;">NatWest, another major UK bank, provides various financing options for SMEs, such as business loans and overdrafts. They offer tailored solutions and support for businesses at every stage of their growth journey.</span></p>
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<h3><span style="color:#434343;font-size:13.999999999999998pt;">iwoca:</span></h3>
<p><span style="font-size:11pt;">iwoca is an online lender that specializes in providing flexible financing solutions to SMEs. They offer short-term loans and revolving credit lines, making them an excellent choice for businesses with fluctuating cash flow needs.</span></p>
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<h2><span style="font-size:16pt;">Debite is the built to help businesses</span></h2>
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<p><span style="font-size:11pt;">Access to business loans is crucial for the growth and success of SMEs in the UK. With a plethora of financing options available, SMEs have the opportunity to choose a lender that best aligns with their unique needs. Debite stands out as a brand that offers substantial loan amounts, competitive interest rates, minimal conditions, and swift approval processes, making it an attractive choice for SMEs looking to fuel their growth. However, it&apos;s essential for businesses to explore and compare various loan providers to find the right fit and secure the financial support they need to thrive in the dynamic UK business landscape.</span></p>
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Debite

Unlocking Growth

At Debite, we’re on a mission to create a truly dynamic platform that serves the diverse and complex financial needs of businesses like yours.

<div data-w-id="10e2f763-e8d0-9686-10db-ef18e375913b" style="transform: translate3d(0px, 0px, 0px) scale3d(1, 1, 1) rotateX(0deg) rotateY(0deg) rotateZ(0deg) skew(0deg, 0deg); transform-style: preserve-3d; opacity: 1;" class="rich-text w-richtext"><figure class="w-richtext-figure-type-image w-richtext-align-center"><div><img src="https://uploads-ssl.webflow.com/615c1700262745fbcbf9f5c4/64661dc89ffc1e8d36f4a79c_WEB02%20(3).png" loading="lazy" alt=""></div></figure><p>At Debite, we’re on a mission to create a truly dynamic platform that serves the diverse and complex financial needs of businesses like yours.</p><p>We took the first step of our journey in July 2022 with the creation of our superpowered corporate corporate card. Designed to add flexibility to business cash flow, our corporate card offers founders credit limits up to £250,000, with 4% cashback on all card spending and built-in instalments to help spread costs.&nbsp;</p><p>Since then, we’ve been working hard to bring founders like you the powerful tools needed to optimise cash flow and accelerate business growth.</p><p>So what’s new to the Debite platform and what can you look forward to in the future?</p><p>&zwj;</p><h5><strong>More control, more visibility</strong></h5><p>&nbsp;</p><p><strong>Expense management</strong></p><p>From unregulated spending to lost receipts, we know from first-hand experience that managing employee expenses can be a real headache. And while you want to empower your employees to spend as they need, it’s also important for you to be in control of the purse strings at all times.</p><p>Enter Debite’s virtual cards for teams – our straightforward solution to expense management.</p><p>You can now distribute multiple cards to your team, all with custom spending and instalment limits set by you. You can wave goodbye to overspending and reimbursement mayhem, and rest easy in the knowledge that your staff expenses are under control.&nbsp;</p><p>&zwj;</p><p><strong>Cash flow management</strong></p><p>Staying on top of all your payables is a challenge for even the largest finance teams.&nbsp;</p><p>To help you better manage your payables, you can now add all your bills to the Debite dashboard via email, PDF upload, or manual entry, for simplified tracking and management. Plus, you can now pay your invoices with your Debite Card.</p><p>&zwj;</p><p><strong>Coming soon</strong></p><p>There’s still more to come! We have even more exciting features and tools on the horizon to enhance your financial control:</p><p>&zwj;</p><p><strong>Receivables Management</strong></p><p>Track all your receivables in one tab and create and distribute invoices in just a few clicks, directly from your dashboard.</p><p>&zwj;</p><p><strong>Accounting Integration</strong>&zwj;</p><p>Sync and centralise all your data with seamless accounting software integration, for advanced visibility over your cash flow.</p><p>&zwj;</p><p><strong>Invoice Financing</strong></p><p>Instantly receive credit limit from outstanding invoices to improve your working capital and fund your growth.</p><p>&nbsp;</p><p><strong>Bank-to-Bank Payments</strong></p><p>Connect multiple business bank accounts to Debite and authorise direct payments in just a few clicks.</p><p>&nbsp;</p><p><strong>Data Analytics&nbsp;</strong></p><p>Gain valuable insights into your cash flow and credit limits, identify trends, and forecast company spending with ease through in-depth analytics on our fully-integrated dashboard.</p><p>&nbsp;</p><p>At Debite, we're committed to continually innovating and providing you with the best possible financial tools. If you're already a Debite customer, we invite you to log in to our platform and start exploring our new products and features today. Take control of your cash flow and unlock the full potential of your business.</p><p>If you are not a Debite customer yet, sign up today to experience the power of our financial control centre.</p><p>Stay tuned for more updates and features as we work tirelessly to revolutionise financial management for startups and early-stage businesses.</p></div>

Debite 2.0: powerful financial products, built for startups and early-stage businesses

Debite FS LTD is a distributor of Modulr FS Limited, a company registered in England and Wales with company number 09897919.

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    <h3>How we keep customer funds safe?</h3>
    <p>Debite FS LTD is a distributor of Modulr FS Limited, a company registered in England and Wales with company number 09897919, which is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900573) for the issuance of electronic money and payment services.</p>
    <p>Your account and related payment services are provided by Modulr FS Limited. Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) your funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011.</p>
    <p><br></p>
    <h5><span style="font-size: 18px;">How Modulr keeps funds safe?</span></h5>
    <p><span style="font-size: 18px;"><br></span></p>
    <h5><span style="font-size: 18px;">Who is Modulr?</span></h5>
    <p>Modulr provides regulated software-driven payment services. We help hundreds of enterprise customers and thousands of SMEs to process and reconcile large amounts of payments automatically and in real time.</p>
    <p><br></p>
    <h5><span style="font-size: 18px;">Is Modulr a bank?</span></h5>
    <p>Modulr is not a bank, we&rsquo;re an Electronic Money Institution (EMI).</p>
    <p>An EMI is an organisation that has been authorised by the regulator to issue e-money accounts and provide payment services. In the UK, we&apos;re authorised and regulated by the Financial Conduct Authority (FCA) and in the EU we&apos;re regulated by DeNederlandsche Bank.</p>
    <p>Our payment accounts come with sort codes or Euro IBANs, access to payment schemes and everything you would expect, but all in a faster, easier and more reliable way.</p>
    <p><br></p>
    <h5><span style="font-size: 18px;">How is Modulr different from a bank?</span></h5>
    <p>One of the main differences between Modulr, an EMI, and a bank is that banks lend money, whereas EMIs are prohibited from lending money. Specifically, banks receive deposits from customers that they use to lend money out and make a profit on the difference. By contrast, an EMI such as Modulr does not lend any customer funds or offer interest on balances.</p>
    <p>Our payment services however are regulated by the same payments regulations that apply to banks.</p>
    <p><br></p>
    <h5><span style="font-size: 18px;">How does Modulr protect customer funds?</span></h5>
    <p>Modulr is required by law to use a process called Safeguarding to protect customer money. This means we ensure that the funds we receive in exchange for e-money are safeguarded on receipt, meaning that these are segregated from all other funds that we hold and they cannot be used for any other purposes. This is completely separate from the additional funds that Modulr holds to meet its corporate obligations and run its business. The funds we safeguard must be held in specially designated client accounts at credit institutions (banks) or the Bank of England (see &lsquo;Where is my money safeguarded?&rsquo; below).</p>
    <p>Furthermore, as an EMI, we must also hold an additional 2% of the total value of safeguarded client funds in our own funds, which are held separately to those client funds. The purpose of the additional 2% funds is to ensure that, in the case of any problems with our business, there are enough funds to support an orderly business wind-down and the process of returning of client funds. Combining this &lsquo;2%&rsquo; requirement with safeguarding means that there is a protection mechanism to help ensure an orderly wind down and return customer funds if ever required.</p>
    <p>So, while the Financial Services Compensation Scheme (FSCS) is not applicable to emoney, the regulatory requirements outlined above are designed to protect the balance of customer funds, as opposed to only compensating up to a limit as is the case with the FSCS.</p>
    <p><br></p>
    <h5><span style="font-size: 18px;">What is the FSCS and is it applicable to Modulr?</span></h5>
    <p>The FSCS offers consumers protection of their bank deposits up to &pound;85,000 maximum, or &pound;170,000 for a joint account, in the event of a bank failure. The FSCS scheme only applies to banks, and therefore is not relevant to an EMI such as Modulr. However, as mentioned, Safeguarding means that all customer money held at Modulr, regardless of the amount, is segregated from all other funds that we hold and cannot be used for any other purpose.</p>
    <p><br></p>
    <h5><span style="font-size: 18px;">What would happen in the event of Modulr&rsquo;s insolvency?</span></h5>
    <p>In addition to the safeguarding and further &lsquo;2%&rsquo; requirements we&rsquo;re also required to prepare orderly wind down planning. These plans include the early identification of a potential insolvency event and the return of your funds before an insolvency process if possible. These plans are subject to external audit review. This further reduces the unlikely event of your funds having to be returned during our insolvency. In the event that Modulr becomes insolvent, your funds are separate from the funds of Modulr and therefore the creditors of Modulr (other third parties that are owed money from Modulr) are not able to make a claim or have effect on your funds.</p>
    <p>An independent insolvency professional (referred to as an &lsquo;insolvency practitioner&rsquo;) will be appointed to return your funds to you. However, where an insolvency practitioner is unable to take their costs of sending the funds to you from elsewhere (for example, the general pot of Modulr funds remaining or from the additional 2% own funds described above) they are entitled to take their costs from your funds. In this unlikely circumstance, while you&rsquo;ll likely receive most of your funds you may not receive the total value if costs are deducted. The process of returning your funds by an insolvency practitioner is likely to take longer than if you were making a claim in the FSCS.</p>
    <h5><span style="font-size: 18px;">Where is money safeguarded?</span></h5>
    <p>Modulr must deposit the value of all the e-money it has issued to customers at a credit institution (banks) or the Bank of England. Modulr uses a range of clearing banks to safeguard funds but, with our direct access to Faster Payments and Bacs, Modulr is one of a few non-bank Payment Service Providers to also be able to hold funds associated with GBP domestic flows directly at the Bank of England. Our safeguarding processes are subject to independent yearly external audit, providing further confidence that we adhere to the regulations required for safeguarding.</p>
    <h5><span style="font-size: 18px;">Who regulates Modulr in the UK?</span></h5>
    <p>Modulr FS Ltd (FRN: 900573) is licensed as an authorised E-Money Institution (EMI) and regulated by the Financial Conduct Authority (FCA). This enables Modulr to issue emoney to its customers, hold customer funds in safeguarded accounts and provide related payment services to customers. Modulr Finance Limited (FRN: 900699) is registered with the Financial Conduct Authority as an EMD Agent of Modulr FS Limited.</p>
    <h5><span style="font-size: 18px;">Who regulates Modulr in the EU?</span></h5>
    <p>Modulr Finance B.V. is licensed and regulated by De Nederlandsche Bank (Relatienummer R182870) as an Electronic Money Institution.</p>
</div>

How We Keep Customer Funds Safe

Best Bank Accounts Online for Easy Financial Management

<div data-w-id="10e2f763-e8d0-9686-10db-ef18e375913b" style="transform: translate3d(0px, 0px, 0px) scale3d(1, 1, 1) rotateX(0deg) rotateY(0deg) rotateZ(0deg) skew(0deg, 0deg); opacity: 1; transform-style: preserve-3d;" class="rich-text w-richtext"><h2>Best Bank Accounts Online for Easy Financial Management in the UK</h2><p>Technology has immense power in the way it shapes economies around the world. Yet, although several industries have accepted this truth, traditional banks, credit unions, and financial institutions have fallen behind.</p><p>However, business banking is transforming, and the global economy has seen the rise of neobanking solutions like Tide and Starling Bank that brought changes to consumer demands, banking systems, etc. Through these neo-banking solutions, traditional banks can incorporate advanced technology that will force them to embrace a digital transformation strategy.&nbsp;</p><p>According to <a href="https://www.gminsights.com/">GMI</a>, the market<strong> </strong>size of neobanking surpassed $45 billion in 2021 and is projected to increase at a compounded annual growth rate (CAGR) of over 45% from 2022 to 2028. The evidence can be seen already, as Tide managed to raise over £<a href="https://www.finextra.com/newsarticle/33511/tide-to-raise-60-million-for-business-banking-push?">160</a> million since 2016 in 10 fundraising rounds, the last one being approximately £86 million in a Series C funding round.&nbsp;</p><p>These stats show the rise of neobanking solutions. We will compare Neobanking with traditional banking to help you with the most suitable app-only business banking solutions. In addition, we will also look at some of the best online banks to save you a bit of research.</p><h2>Neobanking Vs. Traditional Banking</h2><p>Traditional banks like Barclays, Metro, etc., do not use AI technology as part of their business banking strategy. Instead, traditional banks follow an <a href="https://www.ibm.com/industries/banking-financial-markets/resources/omnichannel-banking-paper/">omnichannel approach</a> to business banking services, including physical banking through brick-and-mortar branches and ATMs and digital banking like mobile banking.&nbsp;</p><p>In contrast, Neobanks are incorporating new technology in their banking system to offer various personalisation services to customers. Neobanks provide different services to consumers of retail or small-to-medium businesses. These services include customer acquisition, remittances, money transfers, utility payments, etc.&nbsp;</p><p>Neobanking follows a design thinking approach to the business banking sector by modifying its goods and services to make banking simple and convenient for the end user.&nbsp;</p><h3>Advantages of Neobanks</h3><p>Many globally recognised businesses spend long, tiresome hours, payment schedules, and disbursement procedures that follow traditional business banking technology. As a result, due to problematic software and complicated infra systems, businesses are overspending.&nbsp;</p><p>In comparison, neobanks are entirely digital, and the end consumers can enjoy banking from their office desks. Here are some benefits of neobanks.</p><h4>Neobanking Account Creation Is Simple and Convenient</h4><p>With neobanking, opening a new bank account is easy since the process is simplified. Users won’t need to wait long hours to open an account. Moreover, there are fewer complications with account opening through neobanking than traditional banking due to the tedious documentation.</p><h4>Neobanking Interface is Simple and Easy to Use</h4><p>The primary goal of neobanking is to achieve greater customer satisfaction. With neobanking, users can free themselves from issues like lagging mobile apps, slow-loading internet banking websites, etc. Neobanking consists of apps that are user-friendly, efficient, and effective. They respond to customers’ queries immediately and are well organised to fulfil the customer’s needs.&nbsp;</p><h4>Efficient International Payments</h4><p>Traditional banks usually don’t offer users a debit card for international payments. However, some conventional banks allow users to possess an international debit card, for which they need to go through a proper procedure.&nbsp;</p><p>In contrast, with a neobanking card, the end consumer will not need to worry about it. However, the constant currency rates will affect when the users employ the debit card to make international or travel transactions.&nbsp;</p><h4>Neobanking Reporting Is Effective</h4><p>Another upper hand of neobanking includes instantaneous transactions. As a result, the transaction data is added efficiently and effectively to ensure that the users know up-to-date information on their financial status.</p><p>You can use a neobanking app further to track all transactions and payments. This feature enables you to see a breakdown of your spending and revenue. Moreover, through the app, you can see a savings target according to your financial circumstances. Hence, you can better manage your finances through updated information.</p><h2>Best Neobanking Business Account Solutions</h2><p>Choosing a new business bank account is vital for any new business or startup. You’ll need a scalable and flexible banking service if you don’t want to change your bank after a few years. Hence, new businesses must choose the best neobanking business account solutions that match their requirements and preferences.&nbsp;</p><p>The following section will look at the best neobanking business accounts that startups can choose.</p><h3>Starling Bank</h3><p>Starling Bank is an award-winning company recognised as the best all-around free business account. It is a fully licensed bank in the UK that provides 85,000 GBP coverage by the Financial Services Compensation Scheme (FSCS). The business account of Starling Bank is comprehensive for a standard free account. In addition, the customer service department is available around the clock to answer business owners’ queries.&nbsp;</p><p>Starling Bank is ideal for sole traders and companies that operate their businesses in the UK. Businesses can send money around the country and receive GBP in their account. Moreover, companies can make GBP payments and withdraw cash from ATMs free of additional costs. Businesses will incur 0.4% for each transaction for sending money outside the UK.</p><p>Businesses can also choose add-ons to their account by paying a fee. For example, creating and sending invoices through the app will cost £7 per month. For £2, you can get a European IBAN and receive money in Euros and an American one to carry out payments in the US for £5.</p><h3>Revolut Business</h3><p>Revolut is another leader in the online financial services sector in the UK since the multi-currency accounts cost less than its competitors. Moreover, Revolut has innovative features like budget analytics software, making it more unique. If your business is located outside the UK, you can easily open a neobanking business account with Revolut.&nbsp;</p><p>With Revolut, many sole traders, SMEs, and other businesses can get paid globally, manage their team’s expenses, and exchange currencies without incurring fees. In addition, since Revolut is registered with the FCA, many businesses can get deposit insurance and products comprising corporate cards and loans. The business account at Revolut is similar to a checking account used to manage the expenses a business incurs and the customer payments.&nbsp;</p><p>Revolut has various account offerings. With a standard account, businesses won’t pay anything upfront, and there are no monthly fees. Moreover, companies will get 5 free local payments.</p><p>Metal cards will incur £49, which cannot be waived off. With a growing account, businesses must pay £25 to get 100 free local and 10 international payments. Also, they can enjoy a £10,000 allowance for foreign exchange.&nbsp;</p><p>With a scale account, businesses must pay £100 per month, and in return, they will get 1000 free local payments, 50 free international payments, and a £50,000 allowance for foreign exchange. With an enterprise account, companies will get custom allowances specific to the needs of the business.&nbsp;</p><h3>Wise Business</h3><p>Wise is a money transfer operator in the UK that provides the best money transfer services on the market. Many organisations worldwide enjoy Wise’s legendary lowest–in–the–world international money transfer costs. Moreover, Wise offers a Business Bank Account at a lower price, and businesses can manage their finances in more than fifty currencies globally.&nbsp;</p><p>Businesses can withdraw their money from eCommerce stores in up to ten currencies. Through Wise, companies can convert their revenue in foreign currency to their local currency at industry-set rates. Hence, they can save several thousand GBPs when opening a business account at traditional banks.</p><p>Through Wise Business paid plan, businesses can enjoy a list of features by paying a one-time fee of £45. After paying this fee, some of the best Wise international features businesses can enjoy include withdrawing money from platforms like Shopify and Stripe. In addition, companies can also register Direct Debit to their account.&nbsp;</p><h2>What More Can You Do for Efficient Financial Management</h2><p>The business bank accounts on the market provide many other advantages, such as free access to accounting software, which will help you manage finances effectively. Managing finances is one side of the coin. The other is finding funds. Debite comes into the picture here to help you provide the finances to manage. In addition, Debite can also provide you with the tools for your business’s financial operation.</p><p>Debite is a dynamic financing platform that helps companies have funding to grow efficiently and effectively. With a Debite Business corporate card, companies can reach up to £250,000 credit and have built-in instalments that enable up to a 12-month repayment period. So, through Debite’s instalment plans, companies can get a flexible credit limit substantially higher than traditional banks’ offerings.</p><p>Managing your expenses will be much easier with the help of a 4% cashback reward, extended repayment periods, and a high credit limit.</p><p>Several startups face difficulty finding funding in stage A, but with Debite’s financial assistance, these companies can pass the stage and grow without dependency on another institution or investor. As a founder-led business, we know at Debite that it’s a challenging journey to start an innovative company and reach high growth rates. With Debite helping you on the road to lower churn and expand your runway, you will feel financially more secure and at ease. So you can focus more on what makes your company achieve its goals.</p><p>Whatever bank account you choose, consider applying for Debite today. <a href="https://www.debite.io/contact">Contact us</a> if you have questions so we can show you how Debite could transform your business.</p><p>&zwj;</p></div>

Best Bank Accounts Online

Best Banks in the UK for a Business Bank Account

<div data-w-id="10e2f763-e8d0-9686-10db-ef18e375913b" style="transform: translate3d(0px, 0px, 0px) scale3d(1, 1, 1) rotateX(0deg) rotateY(0deg) rotateZ(0deg) skew(0deg, 0deg); transform-style: preserve-3d; opacity: 1;" class="rich-text w-richtext"><h1>Best Banks in the UK for a Business Bank Account&nbsp;</h1><p>The easiest feat about starting a business is precisely just that - starting one. All the nitty-gritty comes after that. From managing payroll to handling inventory and beyond, a lot goes into keeping a business afloat. One of the most critical facets of business management is money. Money keeps the wheels turning and the lights on. And when it comes to managing money, you can’t keep the banks out for too long.</p><p>Businesses have evolved, but what about banking?</p><p>Luckily, business banking has come a long way since the days of waiting in line at the bank or having to fax over documents. With the <a href="https://www.forbes.com/advisor/banking/what-is-a-neobank/">emergence of neobanking</a> between 2013 and 2015, business banking has been completely revolutionised.</p><p>According to <a href="https://www.statista.com/outlook/dmo/fintech/neobanking/united-kingdom">Statista</a>, there will be around 28.2 million neobanking users in the UK by 2027. Most of which are expected to be young adults and Gen Z’ers.</p><p>So, before opening up a business bank account, let’s look at what exactly neobanking is and how does it differ from the traditional banking experience?</p><h2>What Is a Neobank?</h2><p>Neobank translates to ‘new bank.’ And as the name suggests, neobanks are digital-only banking solutions that started to emerge in response to the changing needs of consumers. In an era where we’re used to getting what we want, when we want it—be it a taxi or our groceries—why should banking be any different?</p><p>Neobanks don’t have any physical branches. Instead, they exist purely online or through a mobile app. And this means that you can do your banking anytime, anywhere.</p><p>Some popular neobanks include</p><ul role="list"><li>Starling Bank,</li><li>Revolut,</li><li>Tide,</li><li>and Monzo.</li></ul><h2>Some Popular Neobank Solutions</h2><p>Each of the mentioned neobanks offers a unique set of features. But what they all have in common is that they’re convenient, user-friendly, and often more affordable than traditional banking solutions.</p><h3>Starling Bank</h3><p>Are you a sole trader or a business with multiple directors looking for a free business banking solution? Then, <a href="https://www.starlingbank.com/">Starling Bank</a> could be a good fit for you. Founded in 2014, Starling Bank is one of the leading neobanks in the UK.</p><h4>Pros of Starling Business Bank Account</h4><ul role="list"><li>No monthly fees</li><li>Can send and receive international payments in over 30 currencies</li><li>Integrates with Xero, FreeAgent, and QuickBooks</li><li>No cost whilst spending internationally</li></ul><h4>Cons of Starling Business Bank Account</h4><ul role="list"><li>You can’t take out a business loan with Starling</li><li>There’s a 0.7% charge for cash deposits</li><li>Doesn’t offer an overdraft facility</li></ul><h3>Revolut</h3><p>Does your business deal in multi-currency payments? Are you a freelancer who works with clients abroad? If so, Revolut could be the neobank for you. Revolut was founded by Nikolay Storonsky and Vlad Yatsenko in 2015. And it has since amassed over 12 million users.</p><h4>Pros of Revolut Business Bank Account</h4><ul role="list"><li>Offers a range of accounts with varying fees from free to £100/month</li><li>Strong 24/7 customer support</li><li>Offers currency cards that can be used fee-free in over 150 countries</li></ul><h4>Cons of Revolut Business Bank Account</h4><ul role="list"><li>Doesn’t support overdrafts and loans</li><li>It charges a transfer fee within the UK</li><li>You can’t deposit cash or cheque</li></ul><h3>Tide</h3><p>Tide is an excellent option for people looking for various bank accounts, from basic to cashback. <a href="https://www.tide.co/">Tide</a> was founded in 2015 by George Bevis and is ranked as the 7th largest digital banking solution for UK’s SEMs, with a customer satisfaction rating of 82 per cent.</p><h4>Pros of Tide Business Bank Account</h4><ul role="list"><li>A wide range of features like automated bookkeeping, business spending insights, and even branding</li><li>Integrates with popular accounting software like FreeAgent, Xero, and QuickBooks</li><li>There’s no monthly fee</li><li>You can get 0.5% cashback with the Tide Cashback Business Account</li></ul><h4>Cons of Tide Business Bank Account</h4><ul role="list"><li>You need to pay 20p to transfer money within the UK</li><li>Charges £1 for every cash withdrawal</li><li>Doesn’t provide overdrafts or loans facility</li></ul><h3>Monzo</h3><p>The younger sibling of the neobanking world, <a href="https://monzo.com/">Monzo</a>, was founded in 2015 by Tom Blomfield. It offers two business accounts: Monzo Lite and Monzo Pro. From fee-free spending to integrated bookkeeping, Monzo has a lot to offer businesses of all shapes and sizes. However, whilst some features are free, others come at £5 per month.</p><h4>Pros of Monzo Business Bank Account</h4><ul role="list"><li>There are no monthly fees involved</li><li>You can spend fee-free abroad</li><li>Easily integrate with accounting tools</li></ul><h4>Cons of Monzo Business Bank Account</h4><ul role="list"><li>It doesn’t offer overdrafts or loans</li><li>Monzo Lite offers limited features</li><li>Monzo Pro features like tax posts and invoicing are charged</li></ul><h2>What is a Traditional Bank?</h2><p>A traditional bank is a brick-and-mortar institution offering digital and physical banking solutions. In addition, traditional banks offer various options for managing your finances, from in-person teller services to online banking and mobile apps.</p><p>When the user deposits money into their account, the bank will lend it to other individuals or businesses who have taken out loans. The bank charges interest on these loans to lend this money out.</p><p>There’s no shortage of traditional banks in the UK. Some of the most popular include</p><ul role="list"><li>Santander,</li><li>HSBC,</li><li>and Natwest.</li></ul><h2>Best Traditional Business Bank Accounts</h2><p>Whilst traditional banks have been around for centuries, they’ve had to adapt to the changing needs of consumers in recent years. As a result, for example, in response to the rise of neobanking, many traditional banks have started to offer digital-only solutions, like online and mobile banking.</p><h3>Santander</h3><p>Ageing back to 1988, <a href="https://www.santander.co.uk/business">Santander</a> is a British bank owned by the Spanish Santander Group. Santander offers its users a full range of banking services, from in-person teller service to an online app. The bank has over 150 million active customers and operates in 15 countries.</p><h4>Pros of Santander Business Bank Account</h4><ul role="list"><li>If you own the 1|2|3 business account, you’re entitled to £300 cashback annually</li><li>There are no cash deposit charges for amounts up to £1,000</li><li>Six-month discounted monthly maintenance charges for new 1|2|3 business account openers</li></ul><h4>Cons of Santander Business Bank Account</h4><ul role="list"><li>Currently, the bank is only supporting the existing customer with their business banking needs</li><li>The 1|2|3 Business account has a £12 monthly maintenance fee</li><li>The features and benefits are limited when compared to its rivals on the market</li></ul><h3>HSBC</h3><p>What’s now HSBC was first established in 1865 in Hong Kong. Over 150 years, it has grown to become a leading global bank with over 14.75 million UK-based customers. HSBC offers a wide range of banking services to individuals, small business owners, and large corporations. The <a href="https://www.business.hsbc.uk/en-gb/products-and-solutions/business-accounts">Kinetic Business account</a> is HSBC’s digital business bank account with a mobile app and online banking portal.</p><h4>Pros of HSBC Kinetic Bank Account</h4><ul role="list"><li>There is no monthly account fee for the first 12 months</li><li>A dedicated Relationship Manager to help with your business banking needs</li><li>Apply for an overdraft of £30,000</li></ul><h4>Cons of HSBC Kinetic Bank Account</h4><ul role="list"><li>A £6.50 monthly fee once the 12-month period expires</li><li>Requires an Android or an iPhone 6 or onward to access the online app</li><li>Charges a 2.75% fee for international spending</li></ul><h3>NatWest</h3><p>The National Westminster Bank, now called <a href="https://www.natwest.com/business.html">NatWest</a>, was established in 1968. It is among the most popular banks in the United Kingdom, with over 16 million customers. The bank offers digital and physical banking solutions to individuals and small businesses. NatWest’s startup account is a feasible option for new accounts with only 12-month trading history and a turnover of less than £1m.</p><h4>Pros of NatWest’s Startup Account</h4><ul role="list"><li>No monthly account management fees</li><li>You can use a mobile app to manage your finances</li><li>Users can have access to a free accounting tool</li></ul><h4>Cons of NatWest’s Startup Account</h4><ul role="list"><li>Charges transaction fees after 18 month</li><li>There’s an ATM withdrawal fee after the first 18 months</li><li>There’s a non-sterling transaction fee</li></ul><h2>How is Neobanking Different from Traditional Banking?</h2><p>For the longest time, business banking was synonymous with high street banks. Whilst there’s nothing wrong with that, the traditional banking experience often left much to be desired—especially for small businesses.</p><p>Let’s explore some of the key ways in which neobanking is different from traditional banking.</p><h3>Maximum Deposit Amounts</h3><ul role="list"><li>Traditional banks: There’s usually a limit on how much money you can deposit into your account per day. However, please note that FCA regulations don’t impose limits. Instead, it is a limit that the bank sets on its customers.</li><li>Neobanks: Since neobanks don’t have any physical branches, their costs are often lower than traditional banks. And as a result, they don’t need to place restrictions on how much money their customers can deposit.</li></ul><h3>Banking Licence</h3><ul role="list"><li>Traditional banks: Licensed and chartered banks guarantee the safety of your deposits up to a certain amount. In the UK, this amount is £85,000 under the Financial Services Compensation Scheme (FSCS).</li><li>Neobanks: Since neobanks don’t have any physical branches, they are not required to obtain a banking license. So, neobanks might not be licensed.</li></ul><h3>Target Markets</h3><ul role="list"><li>Traditional banks: Traditional banks often target both individuals and businesses. However, their business products are usually an afterthought.</li><li>Neobanks: Neobanks, on the other hand, are focused exclusively on SME business banking. And this focus allows them to offer products and services tailored to the needs of small businesses.</li></ul><h3>Customer Service</h3><ul role="list"><li>Traditional banks: If you’re comfortable with one-on-one interactions, traditional banks might be a good fit. However, the long lines and waiting times can be frustrating.</li><li>Neobanks: Neobanks offer customer service through various channels, including live chat, email, and social media. So, you can get the help you need when it’s convenient for you.</li></ul><h2>Utilise Debite for Optimising Your Business Banking Experience</h2><p>Businesses have a lot of options when it comes to choosing a bank. And whilst some great traditional banks are out there, neobanks are quickly becoming popular.&nbsp;</p><p>However, if you, as a growing business, want to optimise your financial management, it might be time to reap <a href="https://www.debite.io/">Debite</a>’s benefits.</p><p>Debite supports the growth of early-stage companies by offering fast and affordable funding via Debite’s Business corporate card, which brings a ray of sunshine to the dark world of business expenses.&nbsp;</p><p>Businesses can reduce costs with no subscription, FX, or card fees. Plus, the cashback feature allows companies to get up to 4% <a href="https://www.debite.io/cashback">cash back</a> on all their spending.</p><p>You don’t have to wait days to get your Debite Business corporate card; just apply online, and we will send your card within a day.&nbsp;</p><p>And if you need to pay for your transactions in instalments—we’ve got you covered there, too. So, <a href="https://dashboard.debite.io/auth/register">apply now</a> and be a part of Debite’s network.</p><p>&zwj;</p></div>

Best Business Bank Accounts

corporate cards for Small Businesses in the United Kingdom

<div data-w-id="10e2f763-e8d0-9686-10db-ef18e375913b" style="transform: translate3d(0px, 0px, 0px) scale3d(1, 1, 1) rotateX(0deg) rotateY(0deg) rotateZ(0deg) skew(0deg, 0deg); transform-style: preserve-3d; opacity: 1;" class="rich-text w-richtext"><h1>Business corporate cards for Thriving Small Businesses</h1><p>Business corporate cards for small businesses can be beneficial. Whether freelancing, running a side hustle, a startup, or anything similar, business corporate cards are significant in managing your finances and investments to grow your business—especially if you are aiming for high growth.&nbsp;&nbsp;</p><p>With careful planning and payment management, business corporate cards can help your business thrive and accomplish your short-term and long-term goals. We comprehensively discuss how corporate cards tackle the challenges your startup face; we also included a list of our top-picked business corporate cards suitable for small businesses in the UK. However, remember that having a corporate card calls for on-time payments and only affordable spending.</p><h2>Challenges the Small Businesses Face&nbsp;</h2><p>Small businesses undergo various challenges during their journey to compete in the market. The major one amidst multiple obstacles is the financing that can make and break the startups irrespective of the niché. Yet, it is difficult for them to borrow funds to generate capital, but business corporate cards can solve this problem by providing you with flexible repayment options or perks, such as cashback for certain purchases and no—or low—FX fees for international transactions.</p><p>It isn’t limited to new or small businesses. Even if you run a successful business but haven’t borrowed any funds, you won’t have any track record. Here, the trust issues of the lenders arise.&nbsp;</p><p>The lenders require a borrower’s credit history to ensure the credibility of paying back the loan. They extract it from the four central banks before approving anyone’s application. It is significant to note that no credit history doesn’t mean the business isn’t worthy enough for funding, but eventually, it symbolizes that the lender can’t evaluate its history to ensure that the funds are in the right hands.&nbsp;</p><p>However, it won’t be wrong to highlight that the lack of problem-solving skills alongside low capital can also destroy companies. The lenders only track the credit history to evaluate if the businesses have the potential to repay. If the respective company can not meet the lender’s capital requirements, the chances of application approval reduce.&nbsp;</p><p>Above all, most entrepreneurs struggle with accounting for their finances. Most business owners aren’t familiar with some metrics that are crucial to track for maintaining the required cash flow. It determines the company’s financial health. The default accounts management has already destroyed several well-established businesses. Therefore, the experts suggest that business owners of new companies and even hi-tech industries track the cash flow to evaluate their chances of receiving capital.</p><p>To build trust, you can apply for a business corporate card that asks for no credit history—or at least for a low credit score.</p><h2>How Can You Benefit from Business corporate cards?</h2><p>Depending on your industry, services and products you sell—or buy for your business—there is definitely a corporate card to meet your demands. Several beneficiary factors may affect your decision as the following.</p><h3>Enhance Credit Score&nbsp;</h3><p>The credit score is the driving sign that determines the company’s health and status in the market. Low credit scores make them less creditworthy for the lenders and vice versa.&nbsp;</p><p>Business corporate cards aid in generating the credit score of the businesses to enhance their credibility. So, if your business is struggling with credit growth or credit history, then business corporate cards can facilitate you in growing your company by holding your accountability.&nbsp;</p><h3>Identify and Track Profit-gaining Points</h3><p>corporate cards share the load of business owners in identifying positive points. It aids in targeting those points timely to gain maximum revenue. It tracks the company’s cash flow, credit score, and consumer spending for doing this.&nbsp;</p><h3>Rewards and Bonuses&nbsp;</h3><p>Several business corporate cards also offer additional rewards and bonuses to business owners. It is more like an incentive treat for them as their member. For instance, some cards provide traveling benefits, cash back, and other shopping discounts.&nbsp;</p><h3>Bookkeeping Facilitation&nbsp;</h3><p>Besides borrowing loans and rewards, business corporate cards also help account holders to manage their financial accounts single-handedly and conveniently. For example, they offer consumers an annual transaction and spending summary, which enables tracking the records more efficiently.</p><h2>List of Best Business corporate cards in the UK for Small Businesses&nbsp;</h2><h3>Barclaycard Select Cashback</h3><p>Barclays Select Cashback is a wise option if you travel for business often. The card offers 3% cash back on your business travel purchases and 1% on all other purchases with a 21.9% APR and no annual fees. On top of these perks, the Select Cashback corporate card allows you to get an additional 2% cashback on spending with BT and EE. So you can win on all your flights, accommodation and communication costs with Barclay Select Cashback.</p><p>Also, You will have free access to FreshBooks, one of the most popular accounting software, which saves you over £200 annually.</p><h3>Metro Bank Business corporate card</h3><p>First, you should have a Metro Bank business account to apply for a Metro Bank Business corporate card. If you already have one, you’re lucky. If you don’t, no worries, it doesn’t take too much effort to open one. Also, opening a business account allows you to access many business banking benefits Metro Bank offers.</p><p>Regardless of their limit, the Metro Bank Business corporate card comes with an APR of 14.9%, no annual fee, and free transactions in Europe. In addition, you will have a 56-day interest-free period if you pay your balance in full and on time.</p><h3>NatWest Business corporate card</h3><p>Similar to Metro Bank, NatWest offers business corporate cards to their business banking customers. They have two types: NatWest Business corporate card and Natwest Business Plus corporate card. If you run a small business, the former is a better option, but you can opt-in for the latter if you have a relatively high turnover.</p><p>NatWest Business corporate card has no annual fee for the first year, and you can waive each year’s fee by just spending over £6,000 in 12 months. Also, it has a 56-day interest-free credit period on purchases like Metro Bank Business corporate card and a representative 24.3% APR (variable). In addition to these perks, the card allows you to arrange flexible payments and access ClearSpend—a mobile app for Android and iOS—to manage your spending better.</p><h3>Lloyds Business corporate card</h3><p>You can apply for a Lloyds Business corporate card if you have a Lloyds business bank account like Metro Bank and NatWest. Lloyds’ card is particularly advantageous if you have up to 20 team members with authority for business spending. If you don’t, but if your business grows rapidly, it’s nice to know that you have the option to have up to 20 cards and to track and manage your teammates’ spending.</p><p>Lloyds Business corporate card has a minimum of £1,000 limit and goes up to £10,000. Also, you can have up to 46 days of interest-free period.</p><h3>HSBC Commercial Card</h3><p>&ZeroWidthSpace;&ZeroWidthSpace;You can apply for an HSBC Commercial Card if you have a business current account. HSBC is one of the most widespread banks globally, so you have the freedom to spend almost in any country, at any store.</p><p>HSBC’s card enables flexible payment options and credit limits depending on how your business develops. In addition, you can enjoy the first year without any fees, but you need to pay a £32 annual fee for owning the card. Unfortunately, Comercial Card doesn’t have a minimum spending quota that allows you to waive the following yearly fees like NatWest—the only bank with this perk on our list. Debite Business corporate card is an exception, though, which has no annual fees in any condition. We will come to that in a minute.</p><h3>Co-operation Bank Business corporate card</h3><p>As long as the outstanding balance is paid in full by the due date, the Co-operative Bank Business corporate card offers an interest-free period of 56 days on purchases.</p><p>Again, you need to have a business current account to apply for the corporate card, and you can have multiple card holders that you can add or remove anytime you want once the card is open.</p><p>Unlike some cards on our list, the Co-operative Bank Business corporate card doesn’t give you a fee-free option in the first year, but it has one of the lowest annual fees on the market, only £24. Still, you have to be careful about other additional fees you must pay, such as international transactions, cash withdrawals, and currency conversions.</p><h3>Debite Business corporate card</h3><p>Probably the most prominent advantage of the Debite Business corporate card compared to other cards on our list is that you don’t need to have a business current account. Because Debite solely focuses on providing the required finances to small businesses and early-stage and high-growth startups with ease. As a result, the application process only takes 5 minutes, and you will get a result in 24 hours.</p><p>Moreover, it does not charge any annual fee or a security deposit and provides the card holders quick-to-access and efficient banking interface. It has the highest possible credit limit, £250,000, and perks, such as 4% cashback and built-in instalments that allow you to spread your payments from 3 to 12 months.</p><h2>The Verdict</h2><p>Business corporate cards hold significant importance for small businesses through funds and other incentives. These are easy to get, provide financial security, and separate your account from the business expenses. Yet, most cards are expensive as they generally charge a hefty annual fee or other applicable charges.&nbsp;</p><p>Then, is there any corporate card only heavy on perks and not on a pocket? To your surprise, yes. Give Debite Business corporate card a try, and you surely won’t regret trusting us. At most, it offers more security, accountability, and funds to flourish your small business efficiently.</p><p>&zwj;</p></div>

corporate cards for Small Businesses

New Companies Can Gain an Edge in the Market by Using Business corporate cards

<div data-w-id="10e2f763-e8d0-9686-10db-ef18e375913b" style="transform: translate3d(0px, 0px, 0px) scale3d(1, 1, 1) rotateX(0deg) rotateY(0deg) rotateZ(0deg) skew(0deg, 0deg); transform-style: preserve-3d; opacity: 1;" class="rich-text w-richtext"><h1>New Companies Can Gain an Edge in the Market by Using Business corporate cards</h1><p>As a new business founder, you typically intend to enter the market with a groundbreaking advent, a slightly different goal from well-established businesses. Unfortunately, in most cases, you might not have enough funds to embark on the originality. But, with a business corporate card, consider yourself rescued. These cards may aid you in confronting financial challenges.&nbsp;</p><p>Business corporate cards can provide early-stage startup founders with substantial cash. The card owners can also generate their <a href="https://www.debite.io/blog/business-credit-score-what-is-it-and-how-to-build-your-business-credit">business credit score</a> through it for future concerns. This article highlights some of the best business corporate cards for new businesses. Yet, before noting these, let’s first research the significant hurdles the new companies face.&nbsp;</p><h2>Initial Challenges Startups Face</h2><p>Running a startup isn’t possible without facing different challenges in various competitive markets—primarily limited funding. Once a few clients fail to pay, or you haven’t managed the finances properly, destruction becomes inevitable. Savings, loans, and proper bookkeeping become your saviours. Additionally, attracting the right customers or clients and engaging the previous ones is momentous.&nbsp;</p><p>Moreover, the constructiveness of the startups becomes dependent on the clients or even the founder. If one bailed out, the new business collapses. Above all, competition becomes a detrimental challenge for new companies if not handled timely. Businesses strive to increase their credit score and credit limit to surpass their competitors.&nbsp;</p><h2>How Is a Business corporate card Crucial?</h2><p>You should select at least one of the business corporate cards specially designed for early-stage startups and new businesses to work more efficiently. It enables the owners to avoid extra expenses and manage the funds. Business corporate cards benefit the owners to save their personal credits from depletion. Separate individual and business corporate cards also make accounting and management effortless. For good measure, business corporate cards treat the owners with rewards, bonuses, and other ample offers. One can also gain fundings for their businesses to grow.</p><h2>Pick the Card that Fits Your Business Needs</h2><p>Business corporate cards can create a competitive advantage for startups. For this, founders must select the best suits their company’s interests. You may consider the following aspects of the different cards before selection.</p><h3>Without an Annual Fee and Security Deposit&nbsp;</h3><p>Generally, founders look for cards without annual fees and security deposits. This helps businesses to cater to lower capital availability and cash flow problems. The Debite business corporate card is one of those cards that pledges abundant rewards and benefits in exchange for nothing from the applicant.&nbsp;</p><h3>No Credit Score&nbsp;</h3><p>The credit score is a challenging concern for startups applying for <a href="https://www.debite.io/blog/business-loans-for-startups">business loans</a>. In the early years, startups struggle with increasing their credit limit. In this case, the credit inquisition of the borrower’s credit score lowers their reliability.&nbsp;</p><h3>Travelling Benefits&nbsp;</h3><p>If you run a travelling business or require travel benefits, choosing business corporate cards for this purpose will be beneficial.&nbsp;</p><h3>Long Repayment Plan&nbsp;</h3><p>A business corporate card with flexible repayment limits is also a treat for startups. For instance, Debite provides customers with a flexible installation plan from 3 to 12 months.</p><h3>Generous Rewards&nbsp;</h3><p>Business corporate cards with expansive rewards, cashback, and bonuses are appealing. It will aid you in covering your business expenses or saving more. You can even use cashback for purchasing utilities.</p><h2>Top-notch Business corporate cards for New Businesses</h2><p>As a new business, one of the leading challenges of getting a business card is having little or no credit score. Thankfully, a few business corporate cards help you tackle that problem—Debite being one of them. Also, it would be nice to skip most of the bureaucratic process, on top of that, have some extra benefits. So let’s check which business corporate cards on the market meet the demands of a new business.</p><h3>Royal Bank of Scotland corporate card&nbsp;</h3><p>This business corporate card is profitable for startups struggling with cash flow. It proffers its consumers fixed cash back on business purchases. It has a minimum credit limit of around £500. Moreover, you don’t have to pay any annual fee in the first year of your approval, but it charges £30 after the first year. However, you can also waive the annual fee by spending £6,000.</p><p>&zwj;</p><h3>Capital on Tap Business corporate card</h3><p>Capital On Tap Business corporate card doesn’t charge any annual fee. In addition, it assures a 1% cash back on every purchase. It also offers free-of-cost ATM withdrawals in the UK. Applying for this business corporate card isn’t difficult as the other cards.&nbsp;</p><h3>Barclaycard Select Cashback Business corporate card&nbsp;</h3><p>The rewarding offers make this business corporate card fortunate for early-stage startups. It offers a 3% flat rate cash back on the business spending for four months. Maximum credit level assurance without any annual fee has made it to our best cards list. However, it charges a standard interest rate of 21.9% on all purchases.&nbsp;</p><h3>Debite Business corporate card&nbsp;</h3><p>Debite business corporate card understands the hurdles of the new or growing businesses. Therefore, it has provided an easy-to-apply opportunity to founders. You can quickly issue a Debite business corporate card for your new businesses. The business corporate card offers <a href="https://www.debite.io/blog/essentials-of-startup-funding">startups funding</a> instantly up to £250,000 to grow their businesses, a credit limit approximately ten times more than the market average. There is also the highly rewarding 4% cash back which is delightful for new businesses. Furthermore, it allows the founders to improve their credit score by offering flexible payment options (instalments) ranging from 3 to 12 months, making Debite the most advantageous corporate card. Not only this, but Debite also gives an additional helping hand by responsibly managing the funds and cash flow.</p><h3>NatWest Business corporate card&nbsp;</h3><p>This business corporate card doesn’t charge any annual fee in the first year, but you have to pay £30 each year afterwards. This card is only eligible for UK businesses. In addition, you have to make a business account under the name NatWest to avail of its benefits.</p><h2>The Bottom Line&nbsp;</h2><p>Business corporate cards are essential tools for startups to flourish. However, selecting a suitable business corporate card can be challenging. Yet, it is worth the time. Above all, the business corporate card keeps the new businesses stable even if they are near to depreciate. That’s the primary key to prospering in the business market.&nbsp;</p><p>At Debite, we understand that a startup’s early years are a bit more formidable. Consistency and resource availability becomes the need of an hour. Therefore, we try to aid you in facing the challenges efficiently with our numerous financing and instalment options. It takes only five minutes to apply for a Debite business corporate card, and the decision and approval come within twenty-four hours.&nbsp;</p><p>Have your competitive advantage today!</p></div>

Business corporate card for New Businesses

Debite Pay is an innovative payment solution to send a payment directly from your Debite corporate card to a bank account

<div data-w-id="10e2f763-e8d0-9686-10db-ef18e375913b" style="transform: translate3d(0px, 0px, 0px) scale3d(1, 1, 1) rotateX(0deg) rotateY(0deg) rotateZ(0deg) skew(0deg, 0deg); transform-style: preserve-3d; opacity: 1;" class="rich-text w-richtext"><figure class="w-richtext-figure-type-image w-richtext-align-center"><div><img src="https://uploads-ssl.webflow.com/615c1700262745fbcbf9f5c4/636cb9b0662598036efee06f_DebitePay.png" loading="lazy" alt=""></div></figure><p>Debite Pay is an innovative payment solution that allows early-stage companies to send a payment directly from their Debite corporate corporate card to a bank account. &nbsp;</p><p>Early-stage companies can unlock the ability to use their line of credit to pay suppliers that prefer bank transfers or might not accept card payments. Companies can also split those payments up to 12 months using the “Pay-in instalments” feature, extending their runway and ensuring greater payment flexibility. &nbsp;</p><p>Debite Pay solves the long-standing problem founders have faced; making bank transfer payments when they don’t have enough cash in their bank account. When cash flow is low, large payments to suppliers can prevent or stunt growth and, in many circumstances, may even cause a business to close down. With Debite Pay, this problem is removed.</p><p>Debite was born with a mission to help businesses manage their cash flow more effectively and maximise their growth potential. This new feature provides even more flexibility to early-stage companies searching for new ways to smooth out business expenses, whether it is a card payment or bank transfer. </p><p>Debite Pay will initially be offered to companies in the UK market. It is an interest-free credit for up to 35 days, with transfer fees starting from only £5. It has a built-in instalment feature that can split payments over 3, 6, 9 or 12 months. &nbsp;</p><p>CEO Tayga Baltacioglu says about the launch: “I’m thrilled to launch Debite Pay. Having founded and invested in high-growth startups myself, I’ve personally experienced the deep frustration that can come from struggling to pay suppliers who insist on bank transfers and the big impact that can have on fueling growth. I know many founders will be excited to use this new product, and I’m delighted to be part of a team that is helping boost the growth of UK startups.” </p><p>Debite’s application process takes less than 5 minutes and is underpinned by its proprietary technology, with no personal guarantees required. A decision is made within 24 hours, with a credit limit available instantly. Customers can then easily use this limit to make card payments or bank transfers with the Debite corporate card or Debite Pay. </p><p>To be able to make bank transfers using a corporate corporate card, apply for your account at debite.io</p></div>

Introducing Debite Pay

We are extremely excited to announce a new partnership with Hotbed!

<div data-w-id="10e2f763-e8d0-9686-10db-ef18e375913b" style="transform: translate3d(0px, 0px, 0px) scale3d(1, 1, 1) rotateX(0deg) rotateY(0deg) rotateZ(0deg) skew(0deg, 0deg); opacity: 1; transform-style: preserve-3d;" class="rich-text w-richtext"><figure class="w-richtext-figure-type-image w-richtext-align-fullwidth" style="max-width:px"><div><img src="https://uploads-ssl.webflow.com/615c1700262745fbcbf9f5c4/632acc24018137957d291617_debite_hotbed.png" loading="lazy" alt="debite-hotbed"></div></figure><p>&zwj;</p><h4><strong>Debite and Hotbed join forces</strong></h4><p>&zwj;</p><p>We are extremely excited to announce a new partnership with <a href="https://www.thehotbed.co/" rel="nofollow" >Hotbed</a>, which creates free tools, content and programmes for early-stage startups worldwide.</p><p>Through our partnership, we'll support hundreds of early-stage businesses that need flexible credit to improve their cash flow and accelerate their growth.</p><p>As both Debite and Hotbed are focused on supporting pre-seed and seed stage startups, our team will be hands-on with Hotbed's community. In their next programme, Overrules, which is a free 10-week programme for women-led startups, our founders will share tactical tips on the Debite growth and fundraising journey, and will provide 1:1 support for the cohort whilst extending special offers for founders that use Debite.</p><p>The lack of accessible cashflow options for early-stage founders means startup growth is often stifled. We're excited to continue building and developing our product with feedback from Hotbed founders, whilst also providing our customers access to Hotbed's accelerator-style programmes.</p><p>You can find out more about <a href="https://www.thehotbed.co/overrules" rel="nofollow" >Overrules here</a>.</p></div>

Debite and Hotbed Join Forces

As an entrepreneur, you know the value of maintaining an adequate cash flow for establishing and growing a startup.

<div data-w-id="10e2f763-e8d0-9686-10db-ef18e375913b" style="transform: translate3d(0px, 0px, 0px) scale3d(1, 1, 1) rotateX(0deg) rotateY(0deg) rotateZ(0deg) skew(0deg, 0deg); opacity: 1; transform-style: preserve-3d;" class="rich-text w-richtext"><h1>Business corporate cards with Benefits for Startups in the UK</h1><p>As an entrepreneur, you know the value of maintaining an adequate cash flow for establishing and growing a startup or small business. The right amount of money needs to come in, and an appropriate—ideally smaller—amount needs to go out where required.</p><p>For success, all initial and recurring costs must be figured out realistically. Besides cash, certain services like product integration tools, customer relationship management software, and competent databases may still be needed.</p><p>Some platforms have outperformed their peers in terms of providing the aforementioned services. Therefore, business owners must be careful when choosing from various companies providing these services.</p><p>Several options are generally available to startup founders to obtain capital during the early and growth stages. Whilst an efficient financial plan can power your startup in case you go for peer-to-peer lending, angel investment or crowdfunding, you might still need a business corporate card for additional financial support.</p><h2>Importance of Business corporate cards</h2><p>A business corporate card is like a standard corporate card but has limits and rewards tailored to the client’s needs. It does not cater to personal or non-business purchases.</p><p>A business corporate card makes it easier to keep a separate record of your personal and business expenses. Its features also include gaining less costly capital, avoiding collateral, customising financial perks for your business, and providing a safety cushion in a financial emergency.</p><p>Reasons to use a business corporate card include low APRs and minuscule fees for the card provider. Cashback and bonuses are also often higher for business corporate cards as they tend to drum up a lot more business.&nbsp;</p><p>Let’s look at some of the best business corporate cards for startups and their main features.</p><h2>Best Business corporate cards for Startups</h2><p>Many business cards are available for startups and small businesses on the market. However, some business corporate cards are ahead of the curve in terms of quality, features, and reliability. Here are the three best business corporate cards that startups and SMEs can use.</p><h3>Capital On Tap&nbsp;</h3><p>The Capital On Tap corporate card allows you to apply in under two minutes and receive approval immediately. It has a credit limit of up to £150,000, whilst the funding limit can be adjusted to meet the business growth demands. It offers a 0% annual fee for basic cards and no account management fees. The number of cards for any startup company is also unlimited. It also carries an APR as low as 9.9%.&nbsp;</p><p>One of the most exciting features of Capital On Tap cards is 56 days of purchases for users without any interest. In addition, there are no foreign transaction (FX) fees and no charges for UK ATMs. It is also highly rated on Trustpilot—4.6 out of 5.</p><p>This business card lets you join your business perks to redeem points for Avios, i.e., discounted flight tickets, hotel stays, etc. The company promises to deliver its business corporate cards within four days.</p><p>It is providing its services to UK companies with a minimum turnover of £2,000 and no unsatisfied County Court Judgements against them in the previous year.</p><h3>Debite</h3><p>Debite is a dynamic financing platform assisting startups in infancy to grow by providing them with fast, flexible, and affordable funding. Debit Business corporate card is designed specifically for startups and their needs. Founders of the company realised that existing financing options were not able to meet the needs of a startup at early stages, so they have built Debite.</p><p>Startups can apply in 5 minutes. Within 24 hours of application, they can have Debite business corporate cards up to a £250,000 limit, offering instalment options starting from 3 months up to 12 months. Debit also offers a rewarding 4% cashback.&nbsp;</p><p>It takes pride in its built-in instalments plan whilst providing up to 20 times higher credit limits than traditional banks. The built-in feature helps to spread corporate card transaction costs over 3 to 12 months.</p><p>Debite has efficiently addressed the startup requirements by providing financial assistance at the three identified funding stages and attractive investment plans. In addition, it comes to its user’s aid during the three funding stages.</p><p>Series A, B, and C funding are three stages of investment after pre-seed and <a href="https://www.debite.io/blog/guide-to-seed-funding">seed funding</a>. Startups struggle to find Series A funding and get out of the “Series A crunch.” However, securing financing with Debite can help startups go through this phase relatively smoothly. During Series B and C, startups can elongate their runway and reduce their burn rate through similar options.</p><p>Debite business corporate card can help you save up to 30% on your <a href="https://www.debite.io/blog/top-15-saas-tools-for-startups-and-small-businesses">SaaS subscriptions</a>. It asks for no foreign transaction fees where a VISA card is accepted. Instalment costs are as low as 0.79% per month. It lets users know how much they save annually by switching from SaaS subscriptions via a <a href="https://www.debite.io/savings-calculator">Saas savings calculator</a>.</p><p>Debite is currently operational for UK companies with a three-month trading history and a £5,000 monthly revenue or at least £50,000 cash in the bank account.</p><h3>Cashplus</h3><p>Cashplus is an FCA-regulated company providing business corporate cards. It offers a 1% cash back on the first £100,000 of eligible card purchases each month. It also mentions purchases on which cashback is not available. It offers interest rates as low as 19% per annum, which can vary depending on the purchases.</p><p>It provides an appealing feature of a Digital Health Check to let users gauge whether their businesses meet the criteria of the evolving market, such as being more digital, online, and providing remote services. This Small and Medium Business (SMB) Digital readiness score is designed by MasterCard and incorporated by Cashplus in its features.&nbsp;</p><p>The company puts a £50 credit limit per ATM withdrawal and £150 in a single day. Cashplus can also increase the credit limit if startups meet their eligibility criteria. There is also a £12 late payment fee if you fail to make at least the minimum payment before the due date. Interest will also be charged if the 30-day limit is exceeded.</p><p>The startup owner has to be a UK resident with a registered company and over 18 to be eligible for its MasterCard business corporate card.&nbsp;</p><h2>Conclusion</h2><p>Business corporate cards come with their pros and cons. As mentioned above, business cards offer easier cash management and even APRs as low as 0%. Still, they require users’ personal guarantees and financial history to provide their services. It can lead to strict restrictions on the users’ ability to get further <a href="https://www.debite.io/blog/business-loans-for-startups">business loans</a> and liabilities on their personal credit spending in case their <a href="https://www.debite.io/blog/business-credit-score-what-is-it-and-how-to-build-your-business-credit">business credit score</a> gets below the bare minimum.&nbsp;</p><p>Interest rates are also slightly more volatile than traditional consumer corporate cards. Qualifying for some business corporate cards is in itself a challenge. In case your startup or business fails, the company’s debt may become your personal liability.&nbsp;</p><p>Still, if the startups want to charge ahead with their goals and ambitions, they should capitalise on the additional benefits over traditional business loans and utilise all the perks that business corporate cards such as Debite offer-12 months instalments, 4% cashback, and 20 times higher limits.</p><h1>&zwj;</h1></div>

Best Business corporate cards for Startups in the UK

Cash flow gets more important than ever with the global recession break out in 2022. Business corporate cards can be helpful.

<div data-w-id="10e2f763-e8d0-9686-10db-ef18e375913b" style="transform: translate3d(0px, 0px, 0px) scale3d(1, 1, 1) rotateX(0deg) rotateY(0deg) rotateZ(0deg) skew(0deg, 0deg); opacity: 1; transform-style: preserve-3d;" class="rich-text w-richtext"><h1>6 Best Business corporate cards (some with built-in instalment options) in the UK to Manage Your Company Costs, Expenses, Finances, and Cash Flow</h1><p>If you have searched your way till here, you probably already own a business. You would also agree that cash flow management is <a href="https://www.forbes.com/sites/forbesbusinesscouncil/2021/06/09/why-cash-flow-management-should-be-your-companys-top-priority/?sh=7504af8751bf" rel="nofollow">critical</a> when managing one. How many well-running companies have we witnessed shutting down due to poor financial management? We would say countless. And this is why we believe cash flow management lies at the heart of efficient business management.&nbsp;</p><h2>Why Get a Business corporate card?</h2><p>One key aspect of financial management in a business is purchasing things on credit. It allows you to buy something and pay for it later, which eases your corporate <a href="https://www.debite.io/blog/what-is-a-cash-flow-forecast">cash flow</a>. A great way to buy things on credit is to own a business corporate card.&nbsp;</p><h2>Are Business corporate cards Commonly Used?</h2><p>According to the <a href="https://www.fca.org.uk/publication/policy/ps18-04.pdf" rel="nofollow">Financial Conduct Authority</a> in the UK, there were approximately 500,000 issued business cards in 2018. So if we talk about <a href="https://www.ukfinance.org.uk/data-and-research/data/card-spending" rel="nofollow">corporate card usage</a>, there were about 320.7 million transactions in April 2022. And this goes on to emphasize that individuals and entrepreneurs in the UK use corporate cards quite often. And it is all because they are an effective way to manage cash flow, personal or corporate.&nbsp;</p><h2>Which New Business Cards Offer The Best Value?</h2><p>The business credit market is really saturated. However, it is also true that some cards outpace the others. To make your hunt for the best new business corporate cards easier, we have compiled a list of some fantastic products.</p><h3>American Express Business Basic Card</h3><p>Who doesn't know American Express? It is a leading institute in the world of finance and also offers some remarkable business corporate cards.&nbsp;</p><p>With numerous corporate card options, it has a variety that you can pick and choose from depending on your business needs. We particularly liked the Business Basic Card.</p><p>It offers a generous 42 days payment period with no annual fees.&nbsp;</p><p>The best thing about this card is that it has no spending limit. The basic business card gives you <a href="https://www.americanexpress.com/uk/charge-cards/basic-business-card/?linknav=uk-amex-cardshop-details-browse-SBSBasicCard" rel="nofollow">more spending power</a> and flexibility—seamlessly adjusts to your business needs.</p><p>The customer service is also top-notch. No matter where you are, you can get support on the phone and in your own language if you run into a problem.</p><h3>Debite</h3><p>If you are looking for a business corporate card that goes the extra mile in offering benefits, then this is the right pick for you. As a plus, Debite offers tailored financing programs to the high-growth and early-stage startups in the UK. <a href="http://debite.io">Debite business corporate card</a> offers a generous 4% cash-back reward which can be a nice side effect of using the card.</p><p>With Debite, you can spread your payments between 3 to 12 months instalments which gives quite the ease in your business cash flows. Moreover, this corporate card gives you credit limits that are twenty times higher than what traditional institutes offer.&nbsp;</p><p>Also, the application procedure is super simple, with the process only taking five minutes to complete and another 24 hours to get approved. How easy is that?</p><p>Debite is the new answer for all your business credit needs.</p><h3>HSBC Business corporate card</h3><p>HSBC is a renowned financial institute based in the UK but comparatively new in the business corporate card domain. Although new, their corporate card is full of exciting offers. For example, the first year is free of any fee whereas later they charge £32 annually.&nbsp;</p><p>HSBC Business Credit offers customized card limits based on your business needs. They also provide additional cards, which are usually available on request. In addition, the company gives you an interest-free period of 56 days coupled with flexible repayment options.</p><p>HSBC business corporate cards are highly secured, so you can use them online and anywhere in the world with complete peace of mind.</p><h3>Royal Bank of Scotland Business Plus corporate card</h3><p>RBS is another renowned financial institution that offers some outstanding services. However, it only provides business corporate cards to customers with an <a href="https://www.rbs.co.uk/business/cards/business-credit-card.html" rel="nofollow">existing business bank account</a>.&nbsp;</p><p>They give out two business corporate cards:&nbsp;</p><ul role="list"><li>The Business corporate card&nbsp;</li><li>Business Plus corporate card</li></ul><p>Our focus will be on the business plus card. If a 56-day interest-free credit period sounds good, check what else the card offers.</p><p>The Business Plus card charges a <a href="https://www.rbs.co.uk/business/cards/business-plus-credit-card.html" rel="nofollow">variable APR of 29%</a>, and its annual fee is £70. In addition, the Business Plus corporate card gets a cashback facility of 2% on certain eligible purchases.</p><h3>Santander Business Cashback corporate card</h3><p>This business corporate card is perfect for all your <a href="https://www.santander.co.uk/business/credit-cards/business-cashback-credit-card" rel="nofollow">business requirements</a>. The company offers a 1% cashback corporate card to businesses with two directors, partners, or owners. There are no charges on purchases made abroad. Like RBS, you have 56 days of interest-free credit time, but the card has a £30 annual cost.&nbsp;</p><p>The payment plans are flexible and straightforward, making it easier for businesses to manage and plan their finances.&nbsp;</p><h3>Barclaycard - Business Plus Cards</h3><p>Barclaycard also dishes out two business corporate cards.</p><ul role="list"><li>Select Charge Card</li><li>Business corporate card</li></ul><p>Our favorite is the Business corporate card, particularly convenient if you often travel because it offers 3% cash back on business travel without any capping. You will also get other travel-related perks like better exchange rates, more discounts on big brands, etc. Moreover, with Barclay Business corporate cards, you can easily manage and keep track of your spending online.&nbsp;</p><p>Barclaycard offers flexible borrowing, and there are many introductory offers available that you can look into. In addition, you can log into their <a href="https://www.barclaycard.co.uk/business/cards" rel="nofollow">website</a>, which also provides a card selector tool that will help you choose the right card for your business needs.&nbsp;</p><h2>Conclusion</h2><p>Managing business cash flow can sometimes be a real feat. However, getting the right business corporate card could be the first step towards better handling your business finances.</p><p>In terms of business cards, the market has a lot to offer. To make your search easier, we have mentioned some top picks above that you can look into. In addition, some business corporate cards provide low-interest rates, whilst some offer great cashback rewards.</p><p>You just have to pick the one that suits your business needs, and you are good to go!&nbsp;</p><p>&zwj;</p></div>

6 Best Business corporate cards in the UK to Manage Your Company Finances and Cash Flow

There were almost 500,000 business corporate cards issued in the UK. What is the best business card with rewards for you?

<div data-w-id="10e2f763-e8d0-9686-10db-ef18e375913b" style="transform: translate3d(0px, 0px, 0px) scale3d(1, 1, 1) rotateX(0deg) rotateY(0deg) rotateZ(0deg) skew(0deg, 0deg); opacity: 1; transform-style: preserve-3d;" class="rich-text w-richtext"><h1>5 Business corporate cards in the UK with Amazing Rewards </h1><p>Managing a business can sometimes feel too overwhelming, especially if you’re starting new or have too much on your plate. In addition, managing finances can quickly get messy, but simply hiring a finance specialist is not always the correct answer. So, what’s the solution?</p><h2>How to Ease Cashflow Management?&nbsp;</h2><p>One way to manage your business finances is to get a business corporate card. <a href="https://www.finder.com/uk/business-credit-card-statistics">According to a survey</a>, until 2021, there were almost 500,000 business corporate cards issued in the UK. And the number is increasing.</p><p>But choosing a business corporate card is also a confusing decision to make. Some offer minimal interest rates, while others offer great travel and cashback rewards. The options are countless; however, in this article, we have cherry-picked the ones with the best reward schemes.&nbsp;</p><h2>American Express Business Gold Card</h2><p>American Express offers three business cards. However, here we will discuss the Business Gold card, which offers some terrific rewards.</p><p>If you spend £3,000 in the first three months, you get a welcome bonus of 20,000 points. Later, you get one Membership Reward point for every £1 spent. The welcome bonus amounts to the value of two economy return tickets from London to Berlin. Amazing, no?</p><p>Apart from this, the card offers one-off rewards for spending until a specific limit. That means you are given 10,000 extra Membership Reward points if you spend £20,000 each quarter.</p><p>The card also charges an annual fee of £175, which is waived in the first year. The points system is quite rewarding; however, remember that this is a <a href="https://www.investopedia.com/terms/c/chargecard.asp">charge card</a>, meaning you must clear the dues monthly.&nbsp;</p><p>You also get a no pre-set spending limit which is perfect if you have colossal business spending.&nbsp;</p><h2>Barclays Select Cashback corporate card</h2><p>One feature that makes a corporate card instantly attractive is a cashback feature. Cashback is when you are returned a percentage of the amount you spend on certain products. For example, your corporate card could offer a 2% cashback on all spending on fuel or travel expenses.&nbsp;</p><p>Barclays has three corporate cards to offer. Here, we will talk about the Select Cashback corporate card, which gives you a 1% cash back on all your business spending. It also has no annual account fee.&nbsp;</p><p>This card also offers other rewards such as cashback on business health insurance, meals at select restaurants, and hotel expenses.</p><p>But remember that this card is only for businesses with an annual turnover of more than £10,000. It also charges a variable <a href="https://www.investopedia.com/terms/a/apr.asp" rel="nofollow">APR</a> of 21.90% but gives you an interest-free period of 56 days on your purchases.</p><p>Barclay Select corporate card is an excellent choice if you are a fan of cashback facilities!&nbsp;</p><h2>Debite Business corporate card</h2><p>If you are looking for a business corporate card that gives you the ease of payment, then the Debite business corporate card is perfect. It allows you to spread your payments over instalments of 3 to 12 months. Also, it provides a generous 4% cashback for all spendings. On the other hand, your monthly turnover only needs to be £5,000 to get a Debite Business corporate card.</p><p>Debite is a terrific solution for <a href="https://www.researchgate.net/publication/332591109_CHALLENGES_IN_STARTUP_ECOSYSTEM" rel="nofollow">early start-ups struggling</a> with cash flow.</p><p>The application process takes up to 24 hours, which is perfect if you need an immediate solution. In addition, you can use your Debite card for international transactions without any extra fees.</p><p>The Debite business corporate card also charges a minimal interest, starting from 0.79% per month.&nbsp;</p><h2>Santander Business Cashback corporate card</h2><p>If you are a small or medium-sized business, Santander’s business corporate card is designed for you.&nbsp;</p><p>It has minimal card costs and offers a 56 days interest-free period on your purchases. They provide a flat 1% cashback on all your business purchases and charge an annual fee of £30. The yearly cost is easily offset with the cashback if you spend more than £3,000 annually. They charge no transaction fees on purchases made abroad.&nbsp;</p><h2>RBS Business Plus corporate card</h2><p>The Royal Bank of Scotland offers two business corporate cards. Both provide excellent facilities, but the Business Plus card offers extensive cashback rewards. And this is what we will discuss here.&nbsp;</p><p>The annual charge on the card is £70 for every cardholder. However, you can easily offset this annual fee with cashback if you spend enough on the card.</p><p>The Business Plus corporate card gives you a generous cashback of 2%, depending on what you purchase. The least you get on every purchase is 0.5%; however, 1% cashback is available on select fuel and accommodation.&nbsp;</p><p>In addition, a cashback of 2% is available on particular business or trade suppliers up to a limit of £400 each year.&nbsp;</p><h2>Our Choice for The Perfect corporate card for Your Business</h2><p>Each corporate card offers an edge over others in certain aspects; what you choose depends on your business needs. However, there is one business corporate card we find one step ahead—the Debite business corporate card.</p><p>Most businesses get corporate cards to ease their cash flow by delaying the payments on purchases. With an easy instalment plan that can stretch up to 12 months, Debite gives you this comfort like none other. Moreover, the variable APR is also relatively minimal, which is good news for SMBs that already struggle with managing expenses.&nbsp;</p><p>Furthermore, You can get the Debite business corporate card within 24 hours and at an annual turnover of £5,000.&nbsp;</p><h2>Conclusion</h2><p>While providing an accessible overdraft facility, business corporate cards also give you rewards such as cashback and instalment plans that can tone down your expenses.&nbsp;</p><p>We have mentioned some of the best corporate cards above and hope that at least one of them can help you manage your business finances better. Until next time!</p><p>&zwj;</p></div>

5 Business corporate cards in the UK with Amazing Rewards

Business corporate cards can offer specifically tailored rewards such as cashbacks and provide benefits such as instalments.

<div data-w-id="10e2f763-e8d0-9686-10db-ef18e375913b" style="transform: translate3d(0px, 0px, 0px) scale3d(1, 1, 1) rotateX(0deg) rotateY(0deg) rotateZ(0deg) skew(0deg, 0deg); opacity: 1; transform-style: preserve-3d;" class="rich-text w-richtext"><h1>Applying For A Business corporate card With Instalment in the UK: Answering The Whys and Hows</h1><p>Do you believe owning a business corporate card is a hassle? If you replied in the affirmative, we are here to prove you otherwise.&nbsp;</p><p>Owning a business corporate card can have multiple benefits for your organization, from easing your cash flow to boosting your <a href="https://www.debite.io/blog/business-credit-score-what-is-it-and-how-to-build-your-business-credit">business credit score</a>.</p><h2>Three Reasons Why You Should Apply for a Business corporate card</h2><p>No matter the type of business, we believe a business corporate card is a must-have.&nbsp;</p><h3>Business corporate cards Help Keep Your Finances Separate</h3><p>Suppose you are a sole proprietor. It is easier just to use your personal corporate card for your business. However, imagine the struggle if you need to view your business spending separately. It will become nearly impossible to sort out the expenses. Moreover, even legally, keeping your business and personal finances separate is advisable as it may cause inconvenience later.&nbsp;</p><h3>Business corporate cards Offer Specifically Tailored Rewards Such As Cashbacks and Benefits Such As Instalments&nbsp;</h3><p>Financial institutions tailor business corporate card plans with the needs and requirements of companies in mind. So, it may seem harmless to use a personal corporate card for your business; however, you might just miss out on many of the perks business corporate cards offer.&nbsp;</p><p>For example, the <a href="http://debite.io">Debite</a> business corporate card allows you to switch to an annual <a href="https://www.debite.io/blog/top-15-saas-tools-for-startups-and-small-businesses">SaaS tool</a>&nbsp; (software-as-a-service) plan without paying the entire upfront costs. Instead, you can pay it off on 12 monthly instalments and get up to 30% discounts for using Debite. You can never get this offer on a personal corporate card.</p><h3>Business corporate cards Can Help Build Credit Score</h3><p>We all know how finance is critical to running a business. You often need external finance to maintain or expand the business activities. This is where <a href="https://www.brex.com/learn/loans-credit-scores/what-is-business-credit-score/#:~:text=Lenders%20and%20creditors%20also%20use,is%20around%20700%20or%20higher." rel="nofollow">credit scores</a> come in handy.&nbsp;</p><p>Lenders will likely trust you more if you have a sound credit score. In addition, your <a href="https://www.debite.io/blog/business-loans-for-startups">business loan</a> applications can get approved quickly with better rates since lenders rely on you to pay back on time.&nbsp;</p><p>Therefore, owning a business corporate card and maintaining an impeccable credit history is a great way to keep your future financing plans sail smooth.&nbsp;</p><h2>How to Apply for a Business corporate card?</h2><p>Just go to the <a href="http://debite.io">Debite</a> homepage, sign up, and apply for your business corporate card with instalment. So now that we have put the reservations aside and agreed that business corporate cards are a must, let us see how we can apply for any business corporate card.</p><h3>Check if You Are Eligible For A Buiness corporate card</h3><p>You are mistaken if you believe your sole proprietorship may not be eligible for a business corporate card. There is no restriction on the business scale or the work you do per se.&nbsp;</p><p>However, the type of business card you are eligible for depends significantly on your credit history. If your business doesn’t already have one, the corporate card companies may look into your personal credit history. This is why keeping an impeccable credit record on your personal accounts is best, as it may also affect your business borrowings.&nbsp;</p><p>Moreover, your income and assets also play a huge role in determining the credit limit you are allowed. For example, a flourishing business with substantial revenue is more likely to get a corporate card with higher credit limits and better perks.&nbsp;</p><h3>Look into Your Options, Compare and Choose</h3><p>You will find many options when you step out into the market searching for the perfect business corporate card. But not all corporate cards suit every venture. Some are mainly designed for startups, whilst others focus on lending to well-established entities.&nbsp;</p><p>For example, the Santander Business Cashback corporate card suits small and medium-sized companies since it has minimal card costs and offers a cashback of 1% on all business purchases.&nbsp;</p><p>On the other hand the <a href="http://debite.io">Debite Business corporate card</a> offers a more generous cashback of 4% on all business purchases.</p><p>Moreover, some business corporate cards offer perks that may suit your business better. For example, if you or your employees often travel on business trips, a card offering discounts or cashback on travel or hotel accommodation may be the best pick for you.</p><p>Also, whilst choosing the right card for your business, do not forget to consider the interest rate, the interest-free period, the annual fee expense, and any other extra charges. These considerations can be a deal breaker since such fees can instantly increase your business expenses.&nbsp;&nbsp;</p><p>The perfect way to go about it is to know your requirements, surf your way through all products available, and then decide the one that suits your needs the best.&nbsp;</p><h3>Gather the Information Needed And Apply</h3><p>Whilst the corporate card company might focus more on your credit history, they also enquire about other essential details.&nbsp;&nbsp;</p><p>This information might include your company name, address, the number of employees, estimated spending needs, annual revenue, etc.&nbsp;</p><p>Once you start the application process, the corporate card company will ask you to fill out forms with all the information required. Then, they may verify and enquire further. Therefore, you must provide the necessary documents to make the process easier.&nbsp;</p><p>Once everything is verified, you will receive your business corporate card. The entire process can typically take up to 15 days.</p><h3>How Issuing a Debite Business corporate card Is Easier?</h3><p>Applying for a corporate card can sometimes be a daunting process. And this is why some owners prefer avoiding the extra hassle and continue using their personal corporate cards for the business.&nbsp;</p><p>However, <a href="http://debite.io">Debite</a> is a corporate card company that issues its business corporate card in merely 24 hours. Yes, you read that right. The application process takes five minutes. And the corporate card is given to you within the next 24 hours. Remember how long it takes to get a business corporate card from traditional banks? Up to 15 days.</p><h3>Benefits of Getting a Debite Business corporate card</h3><p>Most business corporate cards you will get on the market allow you an interest-free period of 45-56 days. However, <a href="http://debite.io">Debite</a> offers to pay your dues in 3 to 12-month instalments.&nbsp;</p><p>You can use this feature to help you manage your cashflows better. Also, Debite charges a very minimal monthly variable starting from a monthly interest rate of 0.79% which means your annual interest rate charge will not be a blow to your overall business spending.</p><p>Furthermore, Debite business corporate card focuses on providing <a href="https://www.debite.io/blog/essentials-of-startup-funding">startups funding</a>, with the necessary financing. Most corporate card companies are skeptical of providing finance to small and medium-sized companies because of the risk involved. But, Debite offers its services to entities that are not making substantial annual revenue.&nbsp;</p><h2>Conclusion</h2><p>If you already don’t have one, consider getting a business corporate card now. The steps are super simple, and the process doesn’t take long if you have a good credit history. Also, a business corporate card will help you streamline your <a href="https://www.debite.io/blog/what-is-a-cash-flow-forecast">business cash flows</a> in multiple ways.</p><p>Trust us; if you don’t have one, you’re missing on some great opportunities.</p><p>&zwj;</p></div>

Applying For A Business corporate card With Instalment in the UK: Answering The Whys and Hows

Choosing the best business card for your needs that offer generous rewards and business-friendly perks can be beneficial.

<div data-w-id="10e2f763-e8d0-9686-10db-ef18e375913b" style="transform: translate3d(0px, 0px, 0px) scale3d(1, 1, 1) rotateX(0deg) rotateY(0deg) rotateZ(0deg) skew(0deg, 0deg); opacity: 1; transform-style: preserve-3d;" class="rich-text w-richtext"><h1>Top Business corporate cards In The UK</h1><p>Business corporate cards are a blessing in disguise for both startups and well-established businesses. Yet, choosing a suitable corporate card for your company is not less than a task. So, to ease your tension, we have shortlisted the best business corporate cards in the UK that suit the best startups.&nbsp;</p><p>But before that, let’s study what makes these cards crucial for businesses and what to look for when selecting corporate cards.&nbsp;</p><h2>Why Are Business corporate cards Important for Startups?</h2><p>Business corporate cards make up one of the fundamental tools for startups. Although it seems like a regular corporate card, it can aid your company with managing cashflows and also treat you with the funds and rewards to back you up. You can save yourself from bankruptcy by avoiding personal corporate cards for business purchases with business cards. Being a registered corporate card owner gives your business a separate legal identity and a liability.&nbsp;</p><p>Besides, building a <a href="https://www.debite.io/blog/business-credit-score-what-is-it-and-how-to-build-your-business-credit">business credit score</a>, provision of financial security, and treating you with profitable rewards and bonuses are all the benefits that aid you in taking your startup to the top of the success stairs.</p><h2>The List of Best Business corporate cards in the UK&nbsp;</h2><p>You can choose from various business corporate cards on the market, but that would mean loads of work, and you may get overwhelmed, especially if you’re running a startup. We saved you the trouble and shortlisted some business corporate cards for startup founders. You may choose what suits you best:</p><h3>Debite Business corporate card&nbsp;</h3><p>With no annual fees and other processing charges, <a href="https://www.debite.io/">Debite</a> offers up to 12 instalment options to the new companies. Unlike other corporate cards, startups can easily apply for Debite business cards with almost guaranteed approval. This facet makes Debite beneficial for startups having no or low credit scores. The generous rewards and bonuses besides funding can also back you financially.</p><h3>NatWest Business Plus corporate card&nbsp;</h3><p>This business corporate card charges an all-time high annual fee of £70. It represents a variable APR of 29% but offers 56 interest-free days. It also charges a £30 to £70 annual fee on applying for an additional corporate card. However, this card is only limited to UK residents of 18 or above. As a plus point, it treats its customers with £400 cashback yearly.&nbsp;</p><h3>Vanquis Chrome Business corporate card&nbsp;</h3><p>This corporate card provides a credit limit of £1,200. However, it ensures a substantial increase in the credit limit every five months. Vanquis Chrome business corporate card has a variable APR of 29.5% with an interest rate of 19.5% on all business purchases.&nbsp;</p><h3>Clydesdale Bank Business corporate card&nbsp;</h3><p>This corporate card charges an annual fee of £28 after the first year of approval. It also offers 59 interest rate-free days with a 22.4% variable APR. However, only the Clydesdale Bank business customers can avail of the benefits of this business corporate card.&nbsp;</p><h3>HSBC Commercial corporate card</h3><p>This business corporate card charges an annual fee of £32. Yet, it treats its new customers with a first free year welcome offer. It offers free-of-cost additional business corporate cards for employees. However, it is also only for registered UK residents.&nbsp;</p><h2>Payment Processing Problems: Debite Is Your Solution</h2><p>Owning a startup means you multitask, due to which one doesn’t get time to go through every detail. In this instance, payment options and processing becomes challenging to handle. So, choosing the secure payment processing method can aid startups in processing and securing payments.&nbsp;</p><p>However, due to their rigid rules, business founders may find it difficult to access business corporate cards. At Debite, we understand the struggles of new businesses. Therefore, we offer startups various payment options with a secured and easy-to-do processing system. It ensures the company’s and consumer’s payment records and assures timely payments irrespective of the currency and payment mode.&nbsp;</p><h2>How to Choose a Suitable Business corporate card for Your Company?&nbsp;</h2><p>There is a long list of business corporate cards in the UK. Yet, choosing the best one for your company becomes challenging. So, let us highlight some essential points you should check before getting your hands on one.</p><h3>Choose the Card that Matches Your Business Domain</h3><p>Before selecting any corporate card, ensure that you have analyzed your business domain. The business corporate cards offer several benefits, like a 0% interest rate on all purchases, no foreign exchange charges, etc. So, go for the one that meets your company’s needs.&nbsp;</p><h3>Are the Additional Charges Justified?&nbsp;</h3><p>Several business corporate cards ask for annual fees and other management charges. Ensure that it is worth paying before you apply.&nbsp;</p><h3>Can You Pay Back What You Owe?&nbsp;</h3><p>Don’t spend more than you can repay. Despite it, all the benefits you avail of will get wasted.</p><h3>Look for the Reviews in the Market</h3><p>Choosing a business corporate card calls for extensive research. That’s why don’t forget to check out the reviews of the cards in the market to select the best one for you.</p><h3>How Will the Card Aid Your Business?&nbsp;</h3><p>Choose the card that can fulfil the needs of your business. It is significant to select the card that benefits your business, like cash rewards or other flexible options.</p><h2>What Makes Debite Stand out from Its Competitors?&nbsp;</h2><p>Whether you are a startup owner, freelancer, or sole retailer, Debite business corporate cards have much to offer your company. Its advantages don’t limit to separating your business finances from the personal. Let’s sneak into the benefits debite holds for the new businesses.&nbsp;</p><h3>No Annual Fee or Other Management Charges&nbsp;</h3><p>Startups struggling with finances can be at ease with Debite as it doesn’t charge any annual fees. Also, there aren’t any other hidden management and processing charges.&nbsp;</p><h3>Managing Cashflow and Finances</h3><p>Debite business card supports the new businesses by sharing their burden. It promises to manage cash flow and fundings effectively to stay on budget.&nbsp;</p><h3>Higher Credit Limits and Flat Cashback</h3><p>It also offers the highest credit limit of up to £25,000. It also ensures 4% guaranteed cashback on all purchases and the funds starting from £1,000 to £250,000 to the startups.&nbsp;</p><h3>Helping Businesses Generating a Good Credit Score</h3><p>Debite understands that building a good credit score increases a company’s reliability for funding and investments. Therefore, it helps the startups in generating the credit history. It also increases the chances of getting better funds to grow their businesses.&nbsp;</p><h2>The Bottom Line&nbsp;</h2><p>Starting a new business requires multitasking, substantial investments, and a burden of <a href="https://www.debite.io/blog/business-loans-for-startups">business loans</a>, and holds your saving and dreams at stake. The business corporate card provides an easy way to handle your cash flow besides financial security and flexibility.&nbsp;</p><p>Combine these benefits with additional rewards and offers, and you will see how these cards aid the startup founders in growing their businesses.</p><p>&zwj;</p></div>

Best Business corporate cards in the UK

I am very excited to announce the launch of Debite’s superpowered corporate card for early-stage companies.

<div data-w-id="10e2f763-e8d0-9686-10db-ef18e375913b" style="transform: translate3d(0px, 0px, 0px) scale3d(1, 1, 1) rotateX(0deg) rotateY(0deg) rotateZ(0deg) skew(0deg, 0deg); opacity: 1; transform-style: preserve-3d;" class="rich-text w-richtext"><figure class="w-richtext-figure-type-image w-richtext-align-center"><div><img src="https://uploads-ssl.webflow.com/615c1700262745fbcbf9f5c4/62ce803ae6734076279d2e81_Debite_card.png" loading="lazy" alt=""></div></figure><p>&zwj;</p><p>Dear friends and founders,</p><p>I am very excited to announce the launch of Debite’s <em>superpowered</em> corporate card for early-stage companies.&nbsp;</p><p>As Tayga mentioned in a previous post, we are on a mission to transform the financing landscape for early-stage companies once and for all. The existing system is broken, and we’re here to fix it. It’s a SUPER entrenched problem that needs a SUPERpowered solution.&nbsp;</p><p>Debite believes that to make financing better for early-stage companies, we need to make it more dynamic and cost-effective. And that’s exactly where Debite’s “superpowers” lie:&nbsp;</p><ol role="list"><li><strong>Built-in instalments </strong>- spread your costs over 3 to 12 months for as low as 0.79% per month - all at the click of a button</li></ol><ol start="2" role="list"><li><strong>More financial firepower</strong> - enjoy credit limits that increase in lock-step with your business and can go up to 20x higher than what traditional banks offer</li></ol><ol start="3" role="list"><li><strong>Transparent pricing</strong> - spend monthly with 0% interest and no FX fees&nbsp;</li></ol><p>We want to make our superpowers <em>your</em> superpowers. With Debite, your company can grow faster and manage cash flow more effectively. And most importantly, we don’t slow you down. Banks say they want Superman as a customer, but then give him a Kryptonite pen to fill out endless forms.&nbsp;</p><p>Unlike traditional lenders, startups are our main customers. We designed our application process with small but ambitious businesses in mind. So, throw away that Kryptonite pen! We use technology to help us focus on the metrics that matter and make faster, better credit decisions.&nbsp;</p><p>At Debite, we know the pain that early-stage companies face. As founders, we have been there before, and it’s why we chose to build Debite in the first place.&nbsp;</p><p>Our corporate card is free to sign up and use for monthly spending. So put on that red cape and give it a go!</p><p>Andres</p><p>Co-founder &amp; CFO</p></div>

Andres Korin

Andres Korin’s Founder Letter for Debite’s Corporate Card Launch

Debite is today announcing the appointment of Uma Balachandra as Head of Revenue

<div data-w-id="10e2f763-e8d0-9686-10db-ef18e375913b" style="transform: translate3d(0px, 0px, 0px) scale3d(1, 1, 1) rotateX(0deg) rotateY(0deg) rotateZ(0deg) skew(0deg, 0deg); opacity: 1; transform-style: preserve-3d;" class="rich-text w-richtext"><h3><strong>Debite appoints fintech specialist Uma Balachandra as Head of Revenue</strong></h3><figure class="w-richtext-align-floatright w-richtext-figure-type-image"><div><img src="https://uploads-ssl.webflow.com/615c1700262745fbcbf9f5c4/62bae5bb5cb2e29f690b0652_Uma%20Balachandra%20Headshot.JPG" loading="lazy" alt=""></div></figure><p>Debite, the financing platform for early-stage companies, is today announcing the appointment of Uma Balachandra as its first Head of Revenue.</p><p>Uma most recently served as General Manager, UK &amp; Europe at Jeeves, an all-in-one credit and expense management platform. During his time at Jeeves, Uma led the expansion of the fintech to new markets and established a local cross-functional team, while at the same time driving revenue growth through business development and partnerships.&nbsp;</p><p>Before this role, Uma worked in a variety of roles across the fintech and payments space, including as VP, Strategic Partnerships at Global Processing Services, a leading card payments processing platform and in a similar position at cross-border payments service, WorldRemit. He also held senior roles at Virgin Money and NatWest Group.</p><p>Uma will be responsible for Debite’s sales, customer success, business development and partnerships, as well as identifying and implementing new revenue opportunities.</p><p>Commenting on the appointment, <strong>Tayga Baltacıoğlu, CEO at Debite</strong> said: “We are excited to welcome Uma on board who brings nearly 15 years of experience across fintech, payments and banking.</p><p>“As a highly-regarded specialist, Uma has an impressive track record of growing fintechs and rapidly building a customer base. His energy and drive will be important assets as we forge ahead on our mission to maximise the growth potential of early-stage companies.”</p><p><strong>Uma Balachandra </strong>added:<strong> </strong>“I am delighted to be joining Debite which is redefining financing for start-ups. Working alongside its talented team of experts, I’m looking forward to contributing to its mission in this new role.”</p><p>Tackling one of the main reasons why most start-ups fail, Debite is on a mission to help early-stage companies effectively manage their cash flow through a range of innovative financing solutions. Its corporate card offers up to 20x higher credit limits than traditional banks and provides startups with built-in instalment options for up to 12 months.&nbsp;&nbsp;</p><p>Ahead of its <a href="https://www.debite.io/blog/financing-platform-debite-launches-to-fuel-uk-start-up-growth">launch</a>, Debite raised £2.5million in pre-seed funding earlier this year, with backing from leading VCs and angel investors and is preparing for a further investment round in the coming months. Its founder team is led by Tayga Baltacıoğlu and co-founders former J.P. Morgan Vice President Andres Korin and Engin Attar of Bain&amp;Co.&nbsp;</p></div>

Debite appoints fintech specialist Uma Balachandra as Head of Revenue

It is often frustrating and demoralising to raise equity capital for your startup.

<div data-w-id="10e2f763-e8d0-9686-10db-ef18e375913b" style="transform: translate3d(0px, 0px, 0px) scale3d(1, 1, 1) rotateX(0deg) rotateY(0deg) rotateZ(0deg) skew(0deg, 0deg); opacity: 1; transform-style: preserve-3d;" class="rich-text w-richtext"><p>It is often frustrating and demoralising to raise equity capital for your startup. However, if you succeed, you walk away with money that can help you grow your startup funding into everything you hope it will be. For this reason, fundraising can become <em>a round</em> that often takes longer than expected, which is one of the founders' significant challenges. In addition, it is hard for a founder to convince other investors to invest thousands, and possibly millions, of dollars in their startup. That being said, it should never demoralise you. Many different opportunities—such as Series A, B, and C funding options—are at your disposal, and Debite is at your side, as always, to make business funding for startups easier.</p><h2>Fundamentals First: What Is a Funding Round?</h2><p>A funding round is how startups raise money. After a startup proves its probability of success and grows a customer base, it undergoes several rounds of valuation that increase in value.</p><p>Startups can receive funding through a variety of funding rounds. The most common startup funding rounds are Seed, Series A, B, and C. There are additional rounds, but these first rounds are essential for early-stage startup growth.</p><h2>Planting the Seeds of Your Startup: Seed Funding</h2><p>You can consider the first money that passed through the hands of your business as seed funding. The name is self-explanatory. Taking advantage of this money can be seen as planting seeds that will eventually grow into trees due to your success. You can count on this money to implement a detailed product development or market research process. Many other necessities that come along with the first steps of having a startup business can be addressed thanks to this initial seed.</p><h2>Where Can You Find Seed Investors for Your Startup?</h2><p>A startup’s first round of funding may come from family and friends, angel investors, incubators, and venture capital firms that focus on early-stage companies. Investors, particularly angel investors, are often involved at this stage. Startups usually end up at the hands of some courageous business person ready to tackle the challenges along the journey. Their business model will fail if they cannot gain traction before the money runs out (also known as running out of runway). Some startups, however, decide they don’t need to raise more money, while others choose to stop raising funds through funding rounds because they’ve reached their seed goal. However, It is not that easy to secure this initial source most of the time. Many people on the internet look for possible ways of achieving this dream and often struggle to find a solution. But have no worries! Debite will definitely make this process reasonably easy for you and your startup, thanks to its financing offers from £5K up to £50K. It allows you to extend your runway with the 12-month instalment refund option.</p><h2>How Ready Your Business Should Be for Startup Series Funding</h2><p>If you’re looking for seed money, your business should be further along than before. Although the borders between pre-seed and seed investment might blur at times (especially for digital firms), the following are some of the milestones you should achieve before raising a seed round:&nbsp;</p><ul role="list"><li>You’ve progressed beyond prototypes and Figma files to create a fully functioning product,</li><li>A certain amount of congruence,</li><li>Users of your product who enjoy it,</li><li>More sophisticated market research,</li><li>Team with the bare minimum of success (these should be your first hires)&nbsp;</li></ul><p>Many businesses already have some revenue—as much as a few hundred thousand pounds per year—but this isn’t necessarily essential. On the other hand, you should have proof that people enjoy your business and want to use it.</p><p>Three series (A, B, and C) emerge as the most significant specific ways of achieving funding after the pre-seed and seed rounds.</p><h2>Series A Funding</h2><p>Once a business has progressed through the seed stage and gained some traction—whether in terms of users, profit, views, or whichever KPI they’ve established for themselves—they’re ready to raise a Series A financing to help them take that next step.</p><p>Startups require a business model in a Series A round, even if they haven’t done so. Later, they need to utilise the funds to boost revenue.</p><h3><strong>How Much Money Gets Involved in Series A Funding</strong></h3><p>One investor who anchors the round generally leads the Series A and subsequent rounds. Getting that initial investment is critical since entrepreneurs will frequently discover that subsequent investors will follow after the first one has committed.&nbsp;</p><p>Losing that initial investor before the round is closed, on the other hand, might be disastrous because other investors may withdraw as well.&nbsp;</p><p>Venture capital firms are the most common source of Series A investment; however, angel investors may also be involved. In addition, more businesses are turning to equity crowdsourcing for seeking Series A fundraising.&nbsp;</p><p>Not all businesses can get a Series A round investment. Even firms that have raised a seed round might struggle to get series A financing due to a phenomenon called the “Series A crunch.” However, securing a certain amount of financing with Debite may help you go through this phase much more effortless.</p><h2>Series B Funding</h2><p>A firm that has reached the stage of raising a Series B financing has already discovered product/market fit and requires assistance in expanding.&nbsp;</p><p>The primary concern is whether you can scale up the firm you’ve built. For example, is it possible to grow from 100 to 1,000 users? How about a million pounds?&nbsp;</p><p>After a Series B investment, the firm expands by getting more clients and expanding its personnel to support that growing customer base.&nbsp;</p><p>Any startup that wants to compete must employ exceptional individuals in various areas. Because the entrepreneur can no longer “wear all the hats,” raising enough funds is critical to pay competitive compensation.</p><h3><strong>How Much Money Gets Involved in Series B Funding</strong></h3><p>The Series B round typically ranges from £7 million to £10 million. Companies could expect a valuation of £30 million to £60 million.&nbsp;</p><p>Venture capital companies often provide Series B investments, frequently the same investors who drove the prior round. Because each round results in a new value for the firm, earlier investors frequently prefer to reinvest to ensure that their slice of the pie remains considerable.&nbsp;</p><p>Companies at this level may also be interested in venture capital firms, which finance late-stage startups.</p><h2>Series C Funding</h2><p>Companies that reach the Series C investment level perform exceptionally well and are poised to grow into expanded areas, acquire other firms, or create new products.&nbsp;</p><p>Typically, Series C firms want to push their product outside their native country and into an international market. They may also want to raise their valuation before implementing an Initial Public Offering (IPO) or acquisition.&nbsp;</p><p>Series C is frequently the final round a firm raises, while some get to raise Series D, Series E, and even Series F rounds—or even beyond.&nbsp;</p><p>A Series C round, on the other hand, is more commonly seen as the final effort to prepare a firm for an IPO or takeover.</p><h3><strong>How Much Money Gets Involved in Series C Funding</strong></h3><p>Startups generally raise £25 million for their Series C round. Series C firms are typically valued somewhere around £100 million and £120 million, while they can be worth considerably more, especially with the rapid proliferation of “unicorn” startups.&nbsp;</p><p>At this level, valuation is based on actual data points rather than aspirations and assumptions. For example, what is the company’s client base? What is the company’s revenue? What are its present and projected growth rates?</p><p>Late-stage venture capital companies, private equity funds, banks, and sometimes even hedge funds provide Series C investment.</p><p>As the firm and product have established themselves, significant financial entities may opt to invest at this stage in the startup lifecycle. Although this is not compulsory, previous investors may opt to contribute extra money in the Series C stage.</p><h2>Some Final Remarks</h2><p>Funding has never been an easy process for startup owners. However, making the startup funding process much more comfortable is equally possible. Especially with Debite, a simple solution for saving up to 30% on your subscriptions by giving you upfront cash. By doing this, you can acquire every tool you need to reach your business goals faster than you think, leading to a hockey stick growth, an investor favourite growth graph.</p><p>&zwj;</p></div>

Essentials of Startup Funding

It’s the tedious but crucial part of running a business to get funding or manage your capital as a startup.

<div data-w-id="10e2f763-e8d0-9686-10db-ef18e375913b" style="transform: translate3d(0px, 0px, 0px) scale3d(1, 1, 1) rotateX(0deg) rotateY(0deg) rotateZ(0deg) skew(0deg, 0deg); opacity: 1; transform-style: preserve-3d;" class="rich-text w-richtext"><p>It’s the tedious but crucial part of running a business to get funding or manage your capital as a startup. As a business owner, finding adequate funding sources is essential to the process. But how can you do that?&nbsp;&nbsp;</p><p>You must consider every financial challenge that could arise while building your company’s present and future. You should determine how investors can invest in your company and when you will need new shareholders. Often the challenges involved are even more significant than finding a potential unicorn idea. However, moving in the right direction shouldn’t be a problem if you know how to proceed. And that’s why funding series have various types. One of them will fit your company and help you act quickly and with more funds. Now let’s deep dive into series A investments and understand them better. It won’t be painful if you know the basics.&nbsp;</p><h2>What Is Series A Funding?</h2><p>After establishing a track record, a company may opt for Series A funding to further optimise its user base and product offering. In addition, after setting up a track record, the company may expand its product into different market segments. During this round, it is essential to have a plan for constructing a business model that will generate long-term profits.&nbsp;</p><p>Series A financing (also known as Series A round or Series A funding) is a startup’s capital-raising process. The Series A round of startup financing is the second stage of the startup financing process and the first stage of the venture capital financing process.</p><p>As with seed funding, Series A investment involves equity financing. A company can raise the necessary capital from investors by issuing its shares to investors. Generally, though, Series A financing includes anti-dilution provisions. Companies typically give preferred shares with no voting rights at this stage.</p><p>It is also quite common for companies to issue convertible preferred shares that may be converted into common shares in the future. Investors with these preferred shares can convert their desired stock into common stock in a predetermined future. It is worth noting that the investors’ returns from Series A financing are lower than those derived from Seed Funding. Equity crowdfunding can also be used to raise Series A funding and more conventional methods.</p><p>sIn Series A investments, investors don’t just look for great ideas. The competition’s goal is not to find companies with great ideas but rather companies with a concrete strategy for turning that idea into a profitable, successful business. To be successful, you must carefully build every step of your company. It is not just about the logic behind your idea but also how you would implement it. Ideas are important, but they are not enough. To get investors’ attention, you have to do more than simply have good ideas. You will obviously need to focus on the structure and strategy as much as you will think about the primary purpose of your company. The situation seems complicated but also logical, doesn’t it?&nbsp;&nbsp;&nbsp;</p><h2>So, How Do You Raise Series A Funding?</h2><p>The process is strictly formal, unlike seed capital, which follows a more informal approach. As part of the capital-raising process, venture capitalists who represent the majority of investors in this financing round are willing to undertake due diligence and valuation procedures. Therefore, these processes are initiated every time substantial Series A funding is received.</p><p>A startup’s valuation is one of the most fundamental parts of the Series A funding process. A company seeking funding in its seed stage can provide much more information than a startup looking to secure seed capital, which can then be used to make informed investment decisions.</p><p>The valuation goals in Series A fundraising include identifying and assessing a company's progress using its seed capital and the efficiency of its management team. Additionally, the valuation process demonstrates how well a company and its management use the available resources to earn profits in the future. Venture capitalists will invest in a company only when the due diligence and valuation processes are completed.</p><h2>How to Successfully Cope with the Funding Process?</h2><p>Having an investment suitable to your needs is essential, but you also need to figure out how to make your business work without investments so that the funding would be icing on the cake. It will allow you to spend the extra cash to accelerate your company’s growth. Also, well-managed, even bootstrapped startups may gain the interest of the investors because it’s mostly proof of nicely-executed financial planning. Your potential investors will analyse the financial status, ask critical questions about the finances, and explore some pain points. It is not because your investors do not like you; they do not want to invest their hard-earned money into a risky company.&nbsp;</p><p>Therefore, you need to consider the amount you expect to spend on any investment tour. Your company should fix its budget without any help. And it means you need to reduce your expenses. For this, Debite is the best friend of your startup. As a startup-friendly solution, Debite is here to assist you with your SaaS-related costs and help you reduce your spending. With Debite, you can subscribe to annual SaaS plans to reduce your average monthly expenses. So, whilst building more efficient workflows, you will secure your budget without a sweat.</p></div>

Everything You Need to Know About Series A Funding

Securing a budget, whether you are talking about personal or business finance, is something you can’t ignore

<div data-w-id="10e2f763-e8d0-9686-10db-ef18e375913b" style="transform: translate3d(0px, 0px, 0px) scale3d(1, 1, 1) rotateX(0deg) rotateY(0deg) rotateZ(0deg) skew(0deg, 0deg); opacity: 1; transform-style: preserve-3d;" class="rich-text w-richtext"><p>Securing a budget, whether you are talking about personal or business finance, is something you can’t ignore. Sometimes you need to loan money, and your previous payment performance is the only proof. To have a reliable profile, you should consider creating a better financial image of your company. So, Business Credit Score is all about your credibility. You should have an outstanding payment record and reliable balance as a small-sized startup or a huge company.</p><p>A clean business credit score can open doors to new funding and investment opportunities. But building a score to get these funds takes time, which can be a luxury, especially if you’re managing an early-stage startup. Debite can provide you with the financial resources that may give you the initial push to accelerate your startup’s and its credit score’s growth.</p><h3>What Is a Business Credit Score?</h3><p>A business credit score can give you valuable insight into a company’s financial health and reliability. Lenders use a credit score to assess whether a business poses a high level of financial risk. This information is based on the business credit reports submitted whenever a company applies for a credit line.</p><p>A company with a high business credit score indicates that it makes timely payments and will reliably make these payments in the future. As a result, it will be more likely that the company’s credit application will be accepted and that they will be offered more competitive interest rates. It is also possible to access this score as everyone can see it, from vendors to suppliers to landlords and business partners.</p><p>You mustn't neglect your credit score as a company. You must take all the steps necessary to keep it as healthy as possible.</p><p>In the same way, as many factors determine a personal credit score, several factors determine a business credit score. Credit reporting agencies generate the company’s credit score. It is calculated based on various factors, including the company’s payment history.</p><p>The information usually consists of financial data that is publically available and information that is provided by the company itself, lenders, and other vendors. In determining a company’s credit score, there are several variables to consider, such as the size of the company, its level of credit utilisation, any current debts owing, and the length of its credit history. In fact, this list is not even close to being comprehensive.</p><p>Providing accurate and current financial information can help you improve your business credit rating. Checking your company’s credit report regularly will enable you to discover any errors or inaccuracies that may be present. If you find anything that needs to be corrected, notify the corresponding credit bureau.</p><p>It is crucial to have good credit for personal credit; however, it can be equally vital to understand how bad credit can impact your business when it comes to business credit. In the simplest terms, your ability to obtain funding is the most critical aspect of your business credit. Whether you qualify for loans, corporate cards, or other types of financing will come up if you have substandard credit. New businesses on the brink of growth may suffer a severe blow. Nav reports that 82% of small business owners don’t interpret their business credit score. You are on the right track to running a successful business when you understand your credit score and maintain it at a high level.</p><h3>Why Is It Crucial to Have a Good Business Credit Score?</h3><ol role="list"><li><strong>Easier and Cheaper Financing</strong></li></ol><p>In addition to being able to qualify for loans and other business financings, a good business credit score can also enable you to be eligible for lower interest rates on those loans. Because of this advantage, your business can borrow at lower interest rates, thereby saving you money in the long run. Moreover, the ability of the borrower to obtain a loan from an institution with favourable rates and terms is a vital component of getting a loan from a conventional bank. Therefore, the borrower’s credit score can be one of the most important aspects of getting a loan.</p><ol role="list"><li><strong>Fewer Prepayment Requirements</strong></li></ol><p>In some cases, you may have to pay in advance for B2B products and services. However, you might not need to put down any money to get started with these vendors and service providers, provided that you have a good business credit score. Establishing services in this manner can optimise cash flow management for your business. These benefits might seem small, but they have a significant financial impact on your business.</p><ol role="list"><li><strong>Better Terms for Loan Agreements</strong></li></ol><p>If you wish to negotiate a deal with your vendor or supplier, your credit score can be used as a bargaining chip. With a good credit score, if you are interested in the item, you may be able to negotiate a lower price, extend the contract or even negotiate a lower interest rate if you are financing the purchase.</p><ol role="list"><li><strong>Financial Stability</strong></li></ol><p>Taking risks when investing in new expansion is a vital part of long-term success in business and building on a conservative financial basis. Therefore, developing certain financial habits to improve your credit score and maintain it for a long time is indispensable. You’ll eventually save a lot of money, plan for your financial future, and build a company that will be stable and sustainable for a long time. Building a successful, long-term company begins with having a good business credit score and maintaining it over time.</p><h3>What Is Business Credit Risk Score?</h3><p>Essentially, it is a number that indicates how likely it is for a business to become severely delinquent in paying its debts. Assessing a company's probability of making late payments or even missing them altogether is a valuable indicator to lenders, creditors, and other business partners. Additionally, lenders and creditors use it to determine the terms under which credit is extended to their clients.</p><p>Businesses are ranked on a scale of 101 to 992 based on the likelihood of delinquency. The lower the score, the greater the chance of delinquency. Generally, a score of 700 or above is a good score for business credit risk.</p><h3>What is a Business Failure Score</h3><p>It is a measure that, as its name suggests, measures the likelihood that a business will cease operations within the next 12 months. As part of determining this score, Equifax uses a variety of sources, including the customer’s legal records, the credit and payment history of the company, and demographic data.</p><p>There are different types of ratings ranging from 1,000 to 1,880. A low score indicates the existence of a greater risk of insolvency. For example, a business failure score of 1,315 is typically considered high quality.</p><p>The early days are critical for creating a positive business credit score. Whether you apply for government loans or look for private investors, your score will be a blessing or a curse. At Debite, we can help you improve your score so that it won’t haunt you at later stages. So check our financing options now.</p></div>

Business Credit Score: What Is It and How to Build Your Business Credit

Do you know why many startups fail to get off the ground, let alone scale, despite having the potential to be market disrupto

<div data-w-id="10e2f763-e8d0-9686-10db-ef18e375913b" style="transform: translate3d(0px, 0px, 0px) scale3d(1, 1, 1) rotateX(0deg) rotateY(0deg) rotateZ(0deg) skew(0deg, 0deg); opacity: 1; transform-style: preserve-3d;" class="rich-text w-richtext"><p>Do you know why many startups fail to get off the ground, let alone scale, despite having the potential to be market disruptors? As a freshly blooming business, you may have handled pre-seed funding and committed yourself to a path of success. However, there are still many things left to consider and take care of before you can grow and play with the big kids in the garden. Most of it comes down to funding.</p><p>You need money to purchase, from buying equipment to renting a space to work. You also need to form a team to take your dreams off the paper and turn them into reality.&nbsp;</p><p>To drive growth in a startup, founders need to possess the necessary capital for profitability. Usually, neither the founders nor their friends and family have the funds to make it happen. Instead, private investors typically provide these funds, who in exchange may ask for a stake in the company or a share of a product’s profits.&nbsp;</p><p>If you are eager to learn more about seed funding and how to manage it, keep reading.</p><h2>What Is Seed Funding and Why Do You Need It?</h2><p>As its name suggests, seed funding refers to money that helps a startup get on its feet and establish itself in the crucial phase of its development. In its most basic form, this early-stage funding helps startups get their bearings, become viable, and grow into legitimate businesses.&nbsp;</p><h3>What is the Goal of Seed Funding?</h3><p>The goal of seed funding is to help startups scale to a point where they can attract venture capital and where investors can make a high return on investment. There are, of course, exceptions to the rule. For example, some startups may fund themselves. However, if you want to become a high-growth company, you must burn cash to maintain growth before becoming profitable. So, to put it simply: you need funds.</p><p>Money allows a startup to stay afloat and grow and provides an advantage in a competitive market. If you already have successful competitors, you may need more than a good idea to get ahead. Your company’s business plan, sales, marketing, growth strategy, public relations, social media management, and many other aspects depend on a competent team. You must also choose the tools and technologies most beneficial to your business. By securing sufficient funds to hire the most qualified team, use the right software and hardware, and maybe get a great office, you will gain an edge over your competitors.</p><p>Nevertheless, getting seed funding is not an easy process. But we’ll try to make it make sense to you.</p><h2>How to Get Seed Funding</h2><p>As an entrepreneur, you need to learn different ways to increase your chances of getting seed funding, But it is also valuable to know when you should seek to raise funds. Before anything else, you should know that investors are willing to offer funds when they believe in your ideas. To achieve this goal, the key is successfully telling your company’s story.</p><p>A concrete business plan, realistic projections for costs and profit, and a clear understanding of the company’s product-market fit are all indicators of a founder ready to tell their story. Thus, founders should seek funding to identify the market opportunity and target audience and provide a product that aligns with their needs and generates interest.&nbsp;</p><p>The magic happens when investors are convinced that the founders can realise their vision and that the prospect is real and substantial enough to justify their investment.</p><h2>How do you get started?</h2><p>The first step is to build your credibility. Participating in networking events, attending conferences, and using social media to promote your company increases your chances of attracting investors’ attention.</p><p>Moreover, you will also need to know how potential investors make their investment decisions so that you can prepare accordingly. Naturally, investors consider several factors, including the amount of funding your startup requires, how you will use the money, and whether or not you are willing to give up a portion of your business. So be sure to know the answers to these questions before you go to investors.&nbsp;</p><p>You may not be aware of it, but there are other ways to take advantage of investors besides raising seed capital. For example, your business can benefit if your investors take an active role in your operations and share their extensive knowledge and insights about the industry. Thus, matching the right investor is vital to get the most out of your seed funding.&nbsp;</p><h2>Can You Ask for too Much Seed Funding?&nbsp;</h2><p>Yes, you can. But, how much capital should you go after? Inherently, you need to raise as much money as you need at the moment, and your main goal should be to become profitable as quickly as possible. With loads of funding, you may never have to worry about seeking funding again or find it easier to raise funds in the future. Some startups could increase as high as £2M in the seed round, but it depends on your industry; on the other hand, it’s not a common practice. So, managing your finances is essential, especially in the early stages of your startup.</p><p>The easiest way to get started is to estimate your current monthly costs. Once you figure out your expenses, estimate how long it will take you to get your business up and running. After completing the initial calculations, you should consider any changes your business might undergo—positive and negative—and develop plans for various funding amounts.</p><p>The money raised by companies varies enormously. The average seed funding typically ranges from a few hundred thousand pounds to two million pounds. It is crucial to remember that investments in early rounds are often driven more by their growth potential than their value. So, you need to present a clear vision to your potential investors.&nbsp;</p><h2>Create a Compelling Pitch Deck</h2><p>You can rely on a pitch deck whilst creating an engaging narrative about your business. A pitch deck is a concise presentation that enables you to convey a crystal clear image of your business. Organising a pitch deck according to its audience is one of the most crucial aspects of making it effective. Knowing what your investors are looking for is vital.&nbsp;</p><p>Also, showcase your knowledge of your market and sector and convince them that you can control your business’ growth.&nbsp;</p><p>Considering it should be a concise presentation, rather than using tons of text, keep slides to one main idea each, and use plenty of visuals. &ZeroWidthSpace;&ZeroWidthSpace;Furthermore, a demo of your product is an excellent way to show potential investors something tangible. It is also your chance to detail your future plans. Therefore, do not just focus on how the seed funding will help your company in the short term but also emphasise how it will help you grow the business in the long run.&nbsp;&nbsp;</p><p>However, perhaps the most vital part of the entire process is concluding with an explanation of how much seed funding you seek and what you can offer in return. Please also remember that you can benefit from your potential investors’ expertise. Therefore, you should be as specific as possible regarding what you need during your growth process.</p><h2>Support Your Finances Before and After Seed Funding</h2><p>As we’ve previously stated, being able to tell your business’ story to potential investors might be more critical than the business itself. However, figuring out certain elements is the key to creating a compelling narrative.&nbsp;</p><p>Your ideas, ambitions, and products need a voice, and that voice needs to reach the right ears. Therefore, having the right investor list to pitch to is imperative. Nonetheless, gathering information about your specific sector, competitors, market, and production is equally important as putting together a capable team that carries out your vision to convince them. All these aspects of preparation for seed funding require time, energy, and money.&nbsp;</p><p>So, managing your costs effectively is incredibly substantial during this phase. Ideally, you should keep your expenses to a minimum in areas to maximise the seed funding’s effect; later, you can use the excess money where it is needed.</p><h3>How Debite Can Help You?</h3><p>With Debite, you can achieve this goal. For example, Debite’s financing options enable you to subscribe to annual plans for the SaaS tools and take advantage of the discounts for yearly packages. Alternatively, unforeseen circumstances may require you to seek immediate external assistance, and Debite can provide you with a loan within 24 hours to cover the expenses. You can also take advantage of the Debite virtual card that allows you to spend now, pay later with an option to split repayments up to 12 months.&nbsp;</p><p>You can sign up to Debite in minutes and start using your virtual card immediately. Or, apply for loans in the range of £5K to £50K within 24 hours. Make Debite a valuable asset whilst preparing your business for seed funding, whether you need funding for research, creating a prototype for your product, or hiring the first team members.</p><p>&zwj;</p></div>

Guide to Seed Funding

The act of projecting cash flow into and out of a firm over a given period is known as cash flow forecasting.

<div data-w-id="10e2f763-e8d0-9686-10db-ef18e375913b" style="transform: translate3d(0px, 0px, 0px) scale3d(1, 1, 1) rotateX(0deg) rotateY(0deg) rotateZ(0deg) skew(0deg, 0deg); opacity: 1; transform-style: preserve-3d;" class="rich-text w-richtext"><p>The act of projecting cash flow into and out of a firm over a given period is known as cash flow forecasting. That being said, another essential question appears: what is the cash flow forecast in business? One can argue that an effective cash flow prediction assists businesses in forecasting future financial situations, avoiding severe cash shortages, and earning profits on any cash surpluses in the most efficient manner.&nbsp;</p><p>Cash flow forecasting is usually the duty of a company’s finance team. However, developing a projection necessitates involvement from multiple stakeholders and data sources inside a corporation, particularly in larger organisations.&nbsp;</p><p>Here’s a fast introduction to cash flow, through which you will learn how to get better at it in a much more efficient way for your company.</p><h3>How to Make a Cash Flow Forecast</h3><p>The following are the foundations of optimised cash flow forecasting for your firm.</p><ul role="list"><li>Your business objectives</li><li>The needs of your management team or investors</li><li>The availability of information inside your organisation</li></ul><p>Of course, there are several other factors. For example, a firm that wants insight into its quarter-end covenant status would require a different forecasting strategy than one that has to manage debt obligations weekly. So here’s the approach we advocate for developing a cash forecasting model and the kind of data you’ll need to do so.</p><h3><strong>Identify Your Forecasting Goal(s)</strong></h3><p>To ensure that a cash flow forecast provides managing data from varied sources, you should first identify the business purpose the forecast may serve. For instance, most firms utilise cash predictions to achieve one of the following goals.</p><ul role="list"><li><strong>Short-term liquidity planning</strong>: Monitoring the cash allocated daily to guarantee your company can satisfy its short-term commitments. On that specific basis, Debite gives you a fantastic way to have a better short-time liquidity planning: spend now, pay later option—a virtual corporate card allows you to spend now, pay later anywhere, anytime where Visa is accepted.</li><li><strong>Interest and debt reduction:</strong> Assuring the company has adequate liquid assets to deposit funds on whatever liabilities or debt it has embarked on.&nbsp;</li><li><strong>Visibility of the covenant and important dates: </strong>Portraying current cash balances for critical reporting periods such as the end of the fiscal year, quarter, or season.&nbsp;</li><li><strong>Management of liquidity risk</strong>: Providing transparency into any liquidity concerns that may change shortly thus that you may handle them sooner. Again, on that point, you may think of using Debite’s flexible pay over time feature, which allows you to set your terms and split your expenses up to 12 months. By doing so, you can decrease the risk and increase the benefits.</li><li><strong>Growth strategy</strong>: Ensure the company has enough operating cash available to cover potential revenue operations.</li></ul><h3><strong>Understand What is Cash Flow Projection</strong></h3><p>The best way to completely understand cash flow’s function is to base a projection on the type of your organisation. For instance, companies already in debt will benefit from developing a cash projection to plan for upcoming expenses. However, they don’t need a projection that promotes relatively brief liquidity management unless they are similarly cash-strapped.</p><h3><strong>Determine a Forecasting Period for Your Business</strong></h3><p>After you’ve identified the business goal you want to accomplish with a cash flow projection, the following item to consider is how far into the horizon your forecast will reach.</p><p>In general, there is a trade-off between information availability and prediction length. That is, further and further into the distance the prognosis appears to be, the less comprehensive or accurate it is likely to be. As a result, selecting the appropriate quarterly report can significantly influence the results and dependability of your prediction.&nbsp;</p><p>Here are some other forecasting periods we propose, as well as potential answers to a question like “what does a cash flow forecast show”:</p><ul role="list"><li><strong>Forecasts for the short term</strong>: Short-term predictions are generally up to four weeks before the event and include a continuous analysis of money transfers and revenues. As one might think, short-term forecasts are frequently particularly fit for short-term liquidity forecasting, when day-to-day granularity is crucial to guarantee a corporation can fulfil its contractual needs.</li><li><strong>Medium-term projections</strong>: Moderate predictions, which usually look two to six months ahead, are particularly beneficial in debt and deficit reduction, financial risk mitigation, and crucial data visibility. The continuous 13-week cash flow prediction is perhaps the most common medium-term prediction.</li><li><strong>Long-term projections</strong>: Relatively long predictions usually look 6–12 months ahead and are frequently used as the beginning point for yearly financial planning procedures. They’re also helpful in determining the cash needed for lengthy development initiatives and infrastructure investments.</li><li><strong>Forecasts over many periods</strong>: Mixed-period projections combine the three aforementioned periods and are mostly used for capital adequacy. A mixed period prediction, for example, may include weekly projections for about the first three months and then monthly forecasts for the next six months.</li></ul><p>Direct forecasting, in general, delivers the highest level of accuracy. Nevertheless, this is mostly wildly inaccurate for annual financial statements longer than 90 days since budgeted and actual data isn’t always accessible beyond that door.</p><h3><strong>Which Forecasting Method to Choose</strong></h3><p>Forecasting methods are classified into two types: direct and indirect. The primary distinction is that direct forecasting is based on actual data flow, whereas indirect forecasting is based on the anticipated income statements and balance sheets.&nbsp;</p><p>Direct forecasting, in general, delivers the highest level of accuracy. Nevertheless, this is mostly wildly inaccurate for annual financial statements longer than 90 days since budgeted and actual data isn’t always accessible beyond that door.</p><h3><strong>Find the Information You May Need for Your Cash Flow Forecast</strong></h3><p>A straight prediction has the precision and succeeds for the number of corporate objectives forecasts are built to serve. As a result, in this part, we’ll concentrate on where to get accurate cash flow data for your prediction.&nbsp;</p><p>The best place(s) to get working capital data for your prediction is determined by how your company handles its finances. However, much of the real cash flow data you’ll need to develop your projection may be found in savings accounts, contracts current, trade receivables, or your accounting software.&nbsp;</p><p>What you’ll want to get out of those systems is as follows:</p><ul role="list"><li><strong>Your Forecasted Period’s Initial Cash Sum</strong>: These are typically depicted out of the most recent and precise representation of current circumstances.</li><li><strong>Your Anticipated Cash Inputs During the Forecast Timeframe</strong>: The significant information collection for your future cash flows comes from sales revenues inside the forecast timeline. Intercompany funding, dividend income, revenues from divestments, and inflows from third parties are all examples of cash inflows to take into account.</li><li><strong>Your Anticipated Cash Expenditures During the Forecast Timeframe</strong>: Wages and salary, rent, investment opportunities, credit transactions, and accrued expenses are recommended. However, you are free to incorporate anything important to your business.</li></ul><h3><strong>The Benefits of Cash Flow Forecasting</strong></h3><p>Aside from ensuring that a firm avoids financial shortages and receives a yield on any cash excess, cash flow forecasting assists enterprises in a variety of ways, including:</p><ul role="list"><li><strong>Assisting organisations in getting out of debt quicker than regular</strong>: Debt repayments are frequently significant financial withdrawals that must be budgeted. Cash flow forecasting can assist firms in debt in ensuring that they have enough cash available to fulfil such instalments (and any interest payments linked with that debt) on time.</li><li><strong>Guarantee that firms follow collateral requirements under which they may be held responsible</strong>: Debt securities are financial considerations imposed by a creditor on a firm. Some borrowers, for instance, want a firm to retain particular cash balances to verify that it can generate profits enough to make monthly instalments on what it owes. A cash flow prediction can assist businesses in identifying possible cash flow concerns that could lead to a covenant violation, requiring them to pay the remainder of their mortgage in advance upon request.</li><li><strong>Taking steps for firms to expand more unsurprisingly</strong>: When a company grows thru investment, it generally does so at the expense of cash flow. Because cash flow predictions assist firms in more successfully planning their cash surpluses, they also find things simpler to implement a strategic plan in a more consistent pattern.</li></ul><h3>Save and Spend on Better terms to Smooth Out Your Cash Flow&nbsp;&nbsp;</h3><p>You can save up to 30% by getting annual subscriptions using Debite’s financing options, or you can spend on anything and split it into 12 monthly payments. But it is not the only option you will have to benefit the most from your Debite experience regarding controlling your cash flow. For instance, you can benefit from a subscription discount on many different prominent SaaS providers by simply using the services that come with your Debite account.</p><p>&zwj;</p></div>

What is a Cash Flow Forecast

Whether a customer or an investor, startup conferences or industry-specific conventions are the perfect places to meet people

<div data-w-id="10e2f763-e8d0-9686-10db-ef18e375913b" style="transform: translate3d(0px, 0px, 0px) scale3d(1, 1, 1) rotateX(0deg) rotateY(0deg) rotateZ(0deg) skew(0deg, 0deg); opacity: 1; transform-style: preserve-3d;" class="rich-text w-richtext"><figure class="w-richtext-align-center w-richtext-figure-type-image"><div><img src="https://uploads-ssl.webflow.com/615c1700262745fbcbf9f5c4/62a9905bb1a810704efa7ec1_elWFs6otnDAafN6GKmit_jHjO2TC0ap9wzzPo6pTO_my4MBWoesruSWrT6Gx7GuLLyBMLpZ9s9sIEnTHIAHep2Wy5iAFP8C3S3-cU4Wut2YJZDEqlZjTu9Z9TwaUc0csFAXYs_MrK-x_-u9hxw.jpeg" alt=""></div></figure><p>Your journey as a startup has begun; you have a business plan, a product, or a disruptive, industry-changing service ready for the market. The only problem is that there is no traction coming your way. So startup events can be your saviour. Whether a customer or an investor, startup conferences, business shows, or industry-specific conventions are the perfect places to meet the right people. Startup conferences are, in simplest terms, networking events for startups that can help you take your business in the right direction.</p><p>The event aims to create an ecosystem where leaders, investors, entrepreneurs, and mentors from various industries can connect and share their experiences. As a result, there are all kinds of events. Some are for finding investors and funds, whilst others are pitch events during which you may present your brand or product to prospective customers and investors. These events are also designed to help you acquire skillsets that aid your startup’s growth.</p><p>Often hosted online, especially after the Pandemic, free events are easy to find. Some conferences, however, charge a fee. If you wish to follow particular events yearly, you may need to set aside a separate budget. In this article, we will cover some of the best startup events in London, both in-person and virtual.</p><h2>Hopin Events&nbsp;</h2><p>If you cannot attend startup conferences physically, you can turn to websites like <a href="https://hopin.com/" rel="nofollow">Hopin</a>, where you can find conferences like London Startup Fair in their past events. In their own words, “Hopin is a virtual venue with multiple interactive areas that are optimised for connecting and engaging.” Promising high show-up and low drop-off rates, Hopin is popular among event organisers who often utilise this type of service. Plus, you can look up startup events regardless of where you are, eliminating location as your enemy.&nbsp;</p><h2>London Startup Fair 2022</h2><p>Co-hosted by Imperial College London, UCL, and LSE, London Startup Fair caters to entrepreneurs of many industries, such as FinTech, cryptocurrencies, healthcare, and renewable energy. If you want to discover more about the inner workings of the startup ecosystem, this is the event for you. Of course, you will be able to grow your network, but you will also learn about work opportunities and internships and attend relevant workshops while being in close contact with the top brains in your sector.</p><p>So, clear your calendar for February and follow <a href="https://www.linkedin.com/company/london-startup-fair-lse-imperial-lse/" rel="nofollow">here</a> to be the first to know when the tickets are launched for the next gathering.</p><h2>Techstars Startup Week London</h2><p>If your startup’s niché is tech, you are in for a treat this October. The Techstars Startup Week is one of London’s best tech startup events. This five-day event is organised by entrepreneurs and run by volunteers to remain free of charge. The organisers emphasised providing a sense of community to the local startups. It aims to create a better environment to start a business and eliminate the loneliness of being a startup founder.</p><p>Techstars Startup Week is typically structured around “tracks,” a set of themes on which panels and speakers are based. The attendees can pick whatever activities they wish to attend over the week from those distributed across the city. The theme of this year’s event is <a href="https://startupweek.london/" rel="nofollow">Climate Tech</a>. You can find a calendar of all Teachstars Community Events <a href="https://www.techstars.com/events#search_events=Startup%20Week" rel="nofollow">here</a>.</p><p>&zwj;</p><figure class="w-richtext-align-center w-richtext-figure-type-image"><div><img src="https://uploads-ssl.webflow.com/615c1700262745fbcbf9f5c4/62a9906e176e15dc69ea59b7__C9Q9a5emBXNhwjDm9FmUlpQduPq47DVaYLbDgNiUqoqKfH0p7XLqQV_qwbFTQ4QowIh1LgmgQmhKKNfGGNUmd4v2mgxN7ab2l8AAaDvj_3nWTaZK2ZD8nQrN2_l4UU3GlyluWqrVxjrZpmATg.jpeg" alt=""></div></figure><p>&zwj;</p><h2>Entrepreneurs Collective (EC) Events</h2><p>So far, Entrepreneurs Collective has had over 5,000 attendance across events and over 50 speakers and panel members; it arranged over 80 events in 2021. Its events had more than 100 participants on average. EC conducts in-person and virtual events with guest speakers. In addition, they host Business Networking Nights and Pitch Competitions in which founders and investors interact. Don’t miss these <a href="https://www.entrepreneurscollective.biz/startup-events/" rel="nofollow">events</a> if you don’t want to be left behind in London’s startup scene.</p><h2>Startup Summit 2022</h2><p>Startup Summit is actually celebrating its 10th year in 2022. Representatives of globally recognised brands share their stories and experiences with budding entrepreneurs. The Startup Summit aims to educate attendees on the foundations of running a business, such as marketing, strategy, leadership, sales, and investment, among other topics. You can <a href="https://futurex.typeform.com/to/J5IVK3D9?typeform-source=www.startup-summit.com" rel="nofollow">sign up</a> for the Startup Summit 2022 event to be notified when the tickets begin to sell and access previous years’ talks.</p><h2>The Business Show 2022</h2><p>Identifying the tools and products your company needs to persist in the business world is crucial. The Business Show offers attendees the secrets of business adaptation and innovation to grow your startup. This year, the <a href="https://www.excel.london/whats-on/working-from-home-live-2022" rel="nofollow">Working From Home Live</a> and <a href="https://www.excel.london/whats-on/retrain-expo" rel="nofollow">Retrain Expo</a> will also accompany the event in ExCel on 16-17 November. Working From Home Live provides the necessary tools and assets to work remotely, whereas Retrain Expo helps you adapt your skills and upgrade your knowledge for the future.</p><p>On the flip side, <a href="https://www.excel.london/visitor/whats-on/going-global-2022" rel="nofollow">Going Global</a> will also be there, offering unmatched education and information regarding trade agreements on how to strategise internationally and account for cultural and economic discrepancies. You will also get the chance to be in the same room with countless potential investors who seek to invest abroad. With over 750 exhibitors, 350 seminars, and masterclasses, The Business Show promises almost everything you may need to scale up your startup for free. So if it sounds alright to you, you can register <a href="http://www.greatbritishbusinessshow.co.uk" rel="nofollow">here</a>.</p><p>&zwj;</p><h2>Startup Grind Global Conference 2022</h2><p>Startup Grind caters to leading startups and scale-ups worldwide that contribute to the transformation of the web. This year, it is “going truly global with a one-of-a-kind decentralised conference” to reach as many willing participants as possible. Over 50 satellite events will be held in Startup Grind Chapters worldwide in the week preceding the main event, which will be live in Silicon Valley and online on April 12-13, 2022.&nbsp;</p><p><a href="https://startupgrind.tech/conference/" rel="nofollow">Startup Grind Global Conference</a> is expected to draw 15,000 people who will “explore the next wave of the web, bridging the gap between web2 and web3, producing human-centric businesses, touching various communities, and more.”</p><p>&zwj;</p><h2>The Entrepreneurs Network (TEN)</h2><p>A little differently, The Entrepreneurs Network is the Secretariat of the All-Party Parliamentary Group (APPG) for Entrepreneurship, endeavouring to bridge the gap between entrepreneurs and policymakers. Their network consists of over 10,000 people. They believe that entrepreneurs who work to solve issues like climate change, educational equality, creating new jobs, expanding consumer choice, and supporting higher-quality public services “will raise long-term living standards of future generations.” Their objective is to make Britain the best place to start and grow a business by drawing policymakers’ attention to innovation, talent, investment, and competition. If you want to be a part of their dream, follow all of their <a href="https://www.tenentrepreneurs.org/events" rel="nofollow">events</a> here; select the event you are interested in and fill out the application form.</p><p>&zwj;</p><figure class="w-richtext-align-center w-richtext-figure-type-image"><div><img src="https://uploads-ssl.webflow.com/615c1700262745fbcbf9f5c4/62a9906eb8629c5ff8e2cb16_LP7vAC2SoHiVDBji7x6e8yQ9KnuLc9qukVM80eLqNKtiiiMU_ZaYVWNVyZBjMKqiIgno0PvC0xXRnhWgk8lwEBZaQ2hppCMK7C1lJO-0jAn8_wW8toTis5xXpqADVeIeGHbG-kZ7iTgaEAhBbg.jpeg" alt=""></div></figure><p>&zwj;</p><h2>Women in Business &amp; Tech Expo</h2><p>Women in Business &amp; Tech Expo is a conference that prioritises women-led startups. So if you hit the bill and want to further your career or business, you should leave 12-13 October empty for this event. WBTE not only inspires but also offers guidance and recruitment opportunities, as well as business services to aid your growth. Options like finding an employer that supports female leadership, entering the tech field and progressing in it, finding support for your existing business or launching a new one, or even returning to work after you take a break from your career can be effortless to come by for WBTE visitors. You can find more information by following the <a href="https://www.wibexpo.co.uk/" rel="nofollow">link</a>.</p><h2>Entrepreneurs In London&nbsp;</h2><p>With significant numbers come great networking opportunities. Entrepreneurs in London is an extensive meetup network made up of over 22,000 members. You can still benefit from their workshops, seminars, and startup networking events even if you are a fresh startup or in the growth stage. This is one of the event networks that can be constant in your calendar since they organise events every two months. Make sure to check <a href="https://www.meetup.com/tr-TR/EntrepreneursInLondon/" rel="nofollow">meetup</a> and their <a href="https://www.facebook.com/EntrepreneursInLondon/">Facebook</a> page to keep tabs on their event schedule.</p><h2>Women Who Code</h2><p>Women Who Code is an all-inclusive network. It is “dedicated to providing an empowering experience for everyone who participates in or supports our community, regardless of gender, gender identity and expression, sexual orientation, ability, physical appearance, body size, race, ethnicity, age, religion, socioeconomic status, caste, creed, political affiliation, or preferred programming language(s).” So if you are a woman looking to progress your career in tech, WWCode’s events are just the thing for you. In addition, their strict policy of no tolerance of harassment creates a safe space for anyone who might be intimidated by crowded events.&nbsp;</p><p>Be a part of their vision while they try to create “a world where women are proportionally represented as technical leaders, executives, founders, VCs, board members, and software engineers.” All of their events are free, and you can access them <a href="https://www.womenwhocode.com/events" rel="nofollow">here</a>.</p><h2>Founders &amp; Coders</h2><p>If you are a founder, you may need to acquire skills you thought you would never need to grow your business. One of these skills is coding. Regardless of having a technical co-founder, an entrepreneur's coding skills are always advantageous. To get your hands dirty, Founders &amp; Coders provides an entirely free and highly interactive coding bootcamp. Aside from the bootcamp, you are welcome to attend their meetup events where peer-led coding activities are organised. You can apply to their Summer and Autumn Programmes <a href="https://www.foundersandcoders.com/apply/" rel="nofollow">here</a> and connect with the group on <a href="https://www.facebook.com/foundersandcoders/" rel="nofollow">Facebook</a> and <a href="https://twitter.com/founderscoders">Twitter</a>.</p><h2>Youpreneur Summit</h2><p>Youpreneur Summit will occur in Queen Elizabeth II Centre in London, between 12-14 November. However, Youpreneur is doing things a little differently from other events. It’s a zero-pitch event, meaning presenters won’t try to sell anything and will deliver practical knowledge for entrepreneurs and company owners. The purpose of the event is to arm you with a versatile skill set that will help you in many ways to reach your target audience, ranging from creating the right online content to employing the correct marketing strategies for establishing your brand. Another critical point is how to monetise your passions and ideas so that you can grow your startup in a future-proofed way. So be quick to snatch your tickets <a href="https://www.youpreneursummit.com/" rel="nofollow">here</a>.</p><h2>Big Data London</h2><p>The previous year’s Big Data London show included 130 industry leaders, 9 conference theatres that held 150 professionals with significant knowledge, meetings, first-person consultations, and product launches and demos. Although the new Seminar Guide has not yet been released, if you are interested in customer and company data and want to learn how to make the most of it, you may visit their <a href="https://bigdataldn.com/" rel="nofollow">website</a> to get an idea and stay up to date on the news.</p><h2>Upstream’s Coffee Club</h2><p>Another locally organised event, Upstream’s Coffee Club, targets science-tech-creative startups or organisations based in Hammersmith and Fulham. Upstream is a collaboration between Imperial College London and Hammersmith and Fulham Council aimed at connecting and supporting the borough’s Science, Technology, and Creative sectors and assisting in the transformation of White City into a centre of innovation.&nbsp;</p><p>If you want to share your experiences as a startup with fellow entrepreneurs and brainstorm with like-minded people, <a href="https://www.eventbrite.co.uk/o/upstream-13700360875" rel="nofollow">Upstream’s Coffee Club</a> events are a gem to grow your network. By filling out an application regarding your needs as a business, Upstream tries to make sure you can be supported in the best way.</p><p>&zwj;</p><p>You now know what startup events to look forward to in 2022. However, besides preparing your proposals for Pitching Competitions or attending speaker seminars or bootcamps to increase your knowledge of your specialised business and gain a new skill set, you must consider another factor when applying to these events: expenses. And, it’s not only the ticket prices. If the event you’re interested in doesn’t have a virtual leg and you’re operating outside of London, you’ll need to factor in costs like travel and housing.&nbsp;</p><p>If you have a limited budget or wish to attend these events to get seed funding, you must be mindful of your cash flow. Whether you want to bring your founder team to an event or get your hands on tickets to as many bigshot conferences as you can that are happening towards the end of the year, you may need to set aside a hefty sum. However, do not waste your time taking out loans that take too long to come in and risk sold-out tickets. Debite can assist you in getting where you want to go. You can quickly and efficiently finance your tickets and other costs with your Debite’s Save and Spend Loan, which you can obtain within a day. You can spend with your virtual card to secure your tickets immediately and pay back in up to 12 months’ instalments. This way, you will never have to sacrifice other things to set aside a budget and miss another event season.</p><p>&zwj;</p></div>

Startup Events in London

Funding is probably the most important thing for startups—as it is vital for every company.

<div data-w-id="10e2f763-e8d0-9686-10db-ef18e375913b" style="transform: translate3d(0px, 0px, 0px) scale3d(1, 1, 1) rotateX(0deg) rotateY(0deg) rotateZ(0deg) skew(0deg, 0deg); opacity: 1; transform-style: preserve-3d;" class="rich-text w-richtext"><p>&zwj;</p><figure class="w-richtext-align-center w-richtext-figure-type-image"><div><img src="" alt=""></div></figure><p>&zwj;</p><p>How does it feel to be a business owner? A founder? Someone with a dream, a plan, to nudge the world around them toward a better, more practical, sustainable, or even more accessible future? You might have already managed to turn your dream into reality. But, of course, there are inevitable matters you need to consider even before founding your business or startup. First and foremost, you need funding.</p><p>Funding is probably the most important thing for startups—as it is vital for every company. But, unlike regular businesses, startups’ disruptive nature makes them appealing to high-risk reward investments. Some of the most successful companies like Uber and Airbnb were just ideas to transform an industry or create an alternative solution.</p><p>All those fantastic ideas and projects need money to come to life, and seed funding gets them off the ground. Angel investors for startups are excellent sources that provide this funding. There are alternative ways to tackle your financial demons. So first, let’s take a look at Angel investors.</p><h2>What Is an Angel Investor</h2><p>Angel investors or business angels are usually people of high net worth who aim to invest in startups and high-growth businesses in return for a share of stakes or profit. Although their contribution to the company is monetary, they can also lend their experience and expertise to support your startup’s growth. Therefore Angel investors differ from Venture Capitalists in that they might be more hands-on with the startups they invest in. So, you can get the funding you need and mentorship that can guide you through the chaotically dynamic world of startups.&nbsp;</p><p>The amount of investment a single angel makes can vary; however, a group of angel investors can form an angel investment network, thus enabling themselves to invest in much more significant sums.</p><p>It is worth keeping in mind that there will be expenses before a startup is ready to look for investors. So, keep reading to learn how to manage your costs before your seed funding comes around. But let’s focus on how to find angel investors first.&nbsp;</p><h2>How to Find Angel Investors</h2><p>What you need from an investor can significantly change from your fellow startups. There are several ways to determine the best Angel investors for specific businesses. The investment usually comes from individuals or platforms that see eye to eye with the startup. Managing your existing income and expenses, your ambitions or business plan, or your motivations to keep your startup going are valid points for potential investors. Being on the same wavelength with whomever your helper will, naturally, propel you in your desired direction.&nbsp;</p><p>There are also external factors, such as your location, business sector, and how big or small of an investment you’re looking for. So, here’s a list of top Angel investors in the UK to help you find the best one whether you want to acquire your seed funding or budget to scale up.</p><h2>Different Segments of Angel Investors</h2><p>We categorised Angel investing platforms to help you focus on finding the best possible match between your startup and an Angel investor. Below, you can find investors based on their location or sectors they prioritise. Make sure to jot down their contact information to create yourself an opportunity.</p><p>&zwj;</p><h3><strong>Tech-focused Platforms</strong></h3><p>The interest in technology is not going anywhere any time soon. If your journey is also through the tech field, the investors below are in your corner.&nbsp;</p><p>&zwj;</p><h4><strong>24 Haymarket</strong></h4><p>Headquarters in London with a regional office in Edinburgh, 24 Haymarket consists of more than 100 investors. Their investments change between £500K and £5M, usually focusing on disruptive healthcare, industrial/consumer technology, and media startups.&nbsp;</p><p><strong>Website:</strong> <a href="https://24haymarket.com/" rel="nofollow">https://24haymarket.com/</a></p><p><strong>Contact:&nbsp;</strong></p><p><strong>For Investor enquiries</strong></p><p>investor@24haymarket.com</p><p>+44 (0) 20 3865 8200</p><p><strong>For General enquiries&nbsp;</strong></p><p>contact@24haymarket.com</p><p>+44 (0) 20 3865 8200</p><p><strong>London Office:</strong> 3rd &amp; 4th Floor, 24 Haymarket, London SW1Y 4DG</p><p><strong>Scotland office:</strong> 44 Charlotte Square, Edinburgh EH2 4HQ</p><p>&zwj;</p><h4><strong>Galvanise</strong></h4><p>Edinburgh-based Galvanise focuses on early-stage startups in MarTech, AdTech, and data analytics industries. The investments vary from £150K to £1M.</p><p>Website: <a href="https://www.galvanise.co/" rel="nofollow">https://www.galvanise.co/</a></p><p>Contact: team@galvanise.co</p><p>Edinburgh Office: RTW Studio, 40 Constitution Street, Edinburgh, EH6 6RS</p><p>&zwj;</p><h4><strong>Cambridge Angels</strong></h4><p>Cambridge Angels is an investment network of 60+ individuals. They invest throughout the UK, focusing on Cambridge, London, and Oxford. Throughout their funding history, they helped build high-quality CleanTech, Hi-Tech, digital healthcare, life sciences, software, and hardware startups. They also mentor early-stage startups since they have experience in these fields. The investments range from £50K to £500K.</p><p><strong>Website:</strong> <a href="https://cambridgeangels.com/" rel="nofollow">https://cambridgeangels.com/</a></p><p><strong>Contact:</strong> info@cambrdigeangels.net</p><p>&zwj;</p><h4><strong>Angels Den</strong></h4><p>This platform consists of over 6,000 angel investors who mainly focus on technology. Angels Den also manages an online crowdfunding platform by the same name. They usually invest between £50K and £1M.</p><p><strong>Website:</strong> <a href="https://www.angelsden.com/" rel="nofollow">www.angelsden.com</a></p><p><strong>Contact:</strong> info@angelsden.com</p><p>&zwj;</p><h3><strong>Platforms Focused on Supporting Women</strong></h3><p>Everybody is the protagonist of their own lives. However, one must admit that some protagonists may struggle more than others whilst reaching their goals. Thankfully, some Angels are trying to even out the field and give everybody an equal chance. Check them out to see the opportunities these platforms provide.&nbsp;&nbsp;</p><p>&zwj;</p><h4><strong>Angel Academe</strong></h4><p>To be eligible for an investment from Angel Academe, a startup must have at least one woman on its founding team. Eighty per cent of the network itself is comprised of women. They typically invest in ambitious tech startups. Until now, they have invested over £5M.</p><p><strong>Website:</strong> <a href="https://www.angelacademe.com/" rel="nofollow">https://www.angelacademe.com/</a></p><p>&zwj;</p><h4><strong>Astia</strong></h4><p>Astia—originally from Silicon Valley—is a network that supports women-led startups. They hold events in the UK and US from their offices in New York, San Francisco, and London. Their startup investments have exceeded $20M worldwide.&nbsp;</p><p><strong>Website:</strong> <a href="https://www.astia.org/" rel="nofollow">https://www.astia.org/</a></p><p>&zwj;</p><h4><strong>Investing Women</strong></h4><p>Investing Women is based in Edinburgh, and they support both women-founded startups. They also seek to raise women’s involvement in investing and educate potential and existent women angels. Their investment varies between £50K and £250K.</p><p><strong>Website:</strong> <a href="https://www.investingwomen.co.uk/" rel="nofollow">https://www.investingwomen.co.uk/</a></p><p>&zwj;</p><h4><strong>Rising Tide</strong></h4><p>This platform is made up of 160 women from five continents. They are interested in driving growth in the fintech sector. So far, they have invested over £2M.</p><p><strong>Website:</strong> <a href="http://risingtide.eu/" rel="nofollow">http://risingtide.eu/</a></p><p>Contact: info@risingtide.eu</p><p>&zwj;</p><h3><strong>Scotland-based Platforms</strong></h3><p>We mentioned investors sometimes choose to invest locally or in specific regions. Most of the platforms are based in Edinburgh. They give a chance to startups not on the UK-wide radar and do business in their hometowns. So, you can stay where you are, where you can make a direct impact on your environment.&nbsp;</p><p>&zwj;</p><h4><strong>Archangels&nbsp;</strong></h4><p>Founded in Edinburgh in 1992, Archangels is the oldest angel network. They typically invest in startups from Scotland in the technology, life sciences, alternative energy, biopharmaceuticals, and bionics sectors. These businesses must qualify for the Enterprise Investment Scheme (EIS) or Seed Enterprise Investment Scheme (SEIS). They invest between £50K and £2M.</p><p><strong>Website:</strong> <a href="https://archangelsonline.com/" rel="nofollow">https://archangelsonline.com/</a></p><p><strong>Tel:</strong> 0131 221 9876</p><p><strong>Address: </strong>Archangel Investors Limited, 20 Rutland Square, Edinburgh, EH1 2BB</p><p>&zwj;</p><h4><strong>London &amp; Scottish Investment Partners</strong></h4><p>This Edinburgh-based network’s investors are from London, Scotland and part of LINC, the Scottish Angel Network. They focus their investments on life sciences, technology, oil and gas, food and drink, and manufacturing. The investments range from £300K to £500K.&nbsp;</p><p><strong>Website:</strong> <a href="http://www.lsip.co.uk/" rel="nofollow">http://www.lsip.co.uk/</a></p><p><strong>Contact:</strong> glenn@lsip.co.uk</p><p><strong>Address:</strong> London &amp; Scottish Investment Partners, 8 Walker Street, Edinburgh, EH3 7LH</p><p><strong>Tel:</strong> +44 (0) 131 226 1589</p><p>&zwj;</p><h4><strong>Equity Gap</strong></h4><p>This Edinburgh-based angel network invests in high-growth startups. They invest throughout the UK with a focus on Scotland. Except for property and traditional retail, they invest in various sectors. They also seek early-stage businesses and mentor their investees. Their investments vary between £100K and £500K.&nbsp;</p><p><strong>Website:</strong> <a href="https://www.equitygap.co.uk/" rel="nofollow">www.equitygap.co.uk</a></p><p><strong>Contact:</strong> enquiries@equitygap.co.uk</p><p>&zwj;</p><h4><strong>Kelvin Capital&nbsp;</strong></h4><p>Founded in Glasgow, Kelvin Capital focuses on businesses with growth potential and scale internationally. At first, they started by investing in early-stage tech companies; however, they are now investing in diverse sectors. They have raised over £27M for 23 companies to date.</p><p><strong>Website:</strong><a href="https://www.kelvincapital.com/" rel="nofollow"> </a><a href="http://www.kelvincapital.com" rel="nofollow">www.kelvincapital.com</a></p><p><strong>Contact: </strong>theteam@kelvincapital.com</p><p>&zwj;</p><h4><strong>Tricapital&nbsp;</strong></h4><p>This Scotland-based angel network focuses on SMEs with high-growth located in Scotland and North England. They typically invest in early-stage startups in the IT, biomedical, optoelectronics, engineering, and textiles sectors. Their average deal size is £862K, and they invested almost £70M.&nbsp;</p><p><strong>Website:</strong> <a href="https://tricapital.co.uk/" rel="nofollow">https://tricapital.co.uk/</a></p><p><strong>Contact:</strong> info@tricapital.co.uk</p><p><strong>Address:</strong> Tricapital LTD, St Dunstan’s House, High Street, Melrose, TD6 9RU</p><p>&zwj;</p><h3><strong>London-based Platforms</strong></h3><p>Like Scotland-based investors, London-based platforms also focus on the location of their potential startups. So whether you are a startup in your growth phase or a small business looking for your seed funding, you may take advantage of the wide range of sectors these investors are interested in.&nbsp;</p><p>&zwj;</p><h4><strong>Newable</strong></h4><p>Newable is an angel investing platform that acquired London Business Angels and Highland Venture Capital and focuses on AI, robotics, and FinTech.&nbsp;</p><p>The network typically invests between £250K and £2.5M.</p><p><strong>Website:</strong> <a href="https://newable.co.uk/" rel="nofollow">https://newable.co.uk/</a></p><p><strong>Contact:</strong> BuildingConfidence@newable.co.uk</p><p><strong>Tel:</strong> 02072603100</p><p>&zwj;</p><h4><strong>Angels in MedCity</strong></h4><p>This platform seeks to gather investors and startups in the life sciences business, including diagnostics, digital health, and medical device technologies. Since being founded, it has invested £14M and supported 43 healthcare and life sciences companies.&nbsp;</p><p><strong>Website:</strong> <a href="http://www.angelsinmedcity.org.uk/" rel="nofollow">http://www.angelsinmedcity.org.uk/</a></p><p><strong>Contact:</strong> jnevesdosreis@medcityhq.com</p><p><strong>Tel:</strong> +44 (0)20 3179 8100</p><p>&zwj;</p><h4><strong>Fig</strong></h4><p>Based in London, this platform invests in startups in any sector. They are active in the US, Europe, and Asia. They usually seek to invest between £500k and £5M.</p><p><strong>Website:</strong> <a href="https://fig.vc/" rel="nofollow">https://fig.vc/</a>&nbsp;</p><p><strong>Contact: </strong>info@fig.vc</p><p><strong>&ZeroWidthSpace;&ZeroWidthSpace;Tel: </strong>(+44) 0330 122 4336</p><p><strong>Address: </strong>Fig, 2-4 Packhorse Road, Gerrards Cross, Buckinghamshire, SL9 7QE</p><p>&zwj;</p><h4><strong>Minerva</strong></h4><p>As a University of Warwick network, Minerva was founded in 1994. Its investors focus on budding tech startups. Their investments range from £25K to £500K.</p><p><strong>Website:</strong> <a href="https://minerva.uk.net/">www.minerva.uk.net</a></p><p><strong>Contact:</strong> enquiries@minerva.uk.net</p><p>&zwj;</p><h3><strong>As a Bonus</strong></h3><p>&zwj;</p><h4><strong>Dragons’ Den&nbsp;</strong></h4><p>Dragon’s Den is a reality TV show on BBC. Entrepreneurs pitch their ideas and business plans to five angel investors. The funding can be provided to any sector, but the majority has gone to businesses in the food and drink sectors. They usually offer seed funding to early-stage startups, and the investment can range between £35K and £250K.</p><p>You may suspect that BBC’s show is a “mise-en-scène,” but you should have learned that you must calculate every expense carefully to convince your investors.&nbsp;</p><p>&zwj;</p><p>Startup costs are an important section you must consider while drawing up a roadmap for your business. There, of course, are different costs to consider depending on the company you are launching.&nbsp;</p><p>If you are in SaaS, you may have to account for online tools and server expenses; on the other hand, if you are a sale-oriented business, you have to consider material costs like warehouses and merchandise. In any scenario, you must have a solid business plan and be prepared for rough patches if you want your pitches to be well received by potential angel investors.</p><p>&zwj;</p><p>Debite can help you during your startup’s early stages. On your journey, there will be times that you will need urgent cash for whether fundamental or unexpected expenses. These costs can shorten your runway and may require agile solutions, which you can’t get from conventional methods. So we build Debite to offer financing options ranging from £5K to £50K within a day. By simply signing up to Debite, you cover most if not all of your initial expenses while starting a business or during your pre-investment stage without worrying about your cash flow. This way, you can protect yourself from significant financial fluctuations with Debite’s fast and easy financial solutions. While saving time, you can also switch to yearly plans on various SaaS tools, saving you money.</p><p>&zwj;</p></div>

The Most Active Angel Investors in the UK

At Debite, we know these crucial requirements of SaaS tools for your business and developed a solution for your startup.

<div data-w-id="10e2f763-e8d0-9686-10db-ef18e375913b" style="transform: translate3d(0px, 0px, 0px) scale3d(1, 1, 1) rotateX(0deg) rotateY(0deg) rotateZ(0deg) skew(0deg, 0deg); opacity: 1; transform-style: preserve-3d;" class="rich-text w-richtext"><figure class="w-richtext-align-center w-richtext-figure-type-image"><div><img src="https://uploads-ssl.webflow.com/615c1700262745fbcbf9f5c4/62a994af60b6a07c7e498638_b4r0cr5i_CL5OtY1FR14ypjAH4-AzOonUKho8m45jqJb-trPqiZrtbhl7knaPFpKmIEmQ6J3u-wHzBLyxyklJdHPHREREWtHi4OnjUjdws-X0Wg-fSRdBOcV0eYlRZoQuOKv4Jh3AZev7lSo0w.png" alt=""></div></figure><p>&zwj;</p><p>At Debite, we know these crucial requirements of SaaS tools for your business and developed a solution that will give you the edge to grow your business efficiently.</p><p>Today, choosing the best, most suitable, affordable and practical tools for your business is vital. So, here are some excellent SaaS tools to improve your way of working and create a seamless workflow. You can take advantage of annual plan discounts using the upfront cash you got from Debite.</p><p>&zwj;</p><h2>Why Do You Need SaaS Tools?</h2><p>Simply put, you can easily manage and monitor your workflow with SaaS tools. You can find many different options for your needs in SaaS alternatives and choose an affordable, useful, user-friendly one for your business. You don’t even need to be a techie, employ or outsource an IT person to implement these tools most of the time. They are designed to be used by all your team members and created to help you easily digitalise your business. So, here are some of the most common benefits and reasons to use SaaS tools:</p><ul role="list"><li>No hardware: SaaS tools don’t need any hardware to work. Primarily, they work within cloud servers, and that’s why they are swift and secure. Also, your expenses will be lower with SaaS products without any hardware need. So, they are good to use when you kick off your business with a relatively small budget!&nbsp;</li><li>Manage the scale: SaaS products have good scalability options. So, no matter how big or small your business is, you can scale and tailor the software for your business.</li><li>No maintenance expense: While using a hardware-free product, you don’t have to worry about hardware maintenance fees. That’s what makes SaaS solutions affordable and accessible.</li></ul><p>If you have a small business or are about to kick off a startup, using SaaS applications for your processes is the easiest, most logical and affordable way to manage your company. Just figure out your company’s needs and find suitable solutions for your business structure.&nbsp;</p><p>SaaS products help you create a low-budget and enhanced structured workflow to make a new way of working. Whenever you need a tool to improve your company, you can find a SaaS tool to help you. So, they will be there for you anytime you need them.&nbsp;</p><p>We have gathered some of the best and most used SaaS tools.</p><h2>Most Popular SaaS Applications</h2><p>You can find lots of different SaaS tools suitable for your business. They are well-designed and well-optimised products to ensure a high-performance digitalisation experience in your industry. During the golden age of digitalisation in the 2020s, it is still not late to catch the wind and improve the performance of your business with next-generation products.&nbsp;</p><p>We have gathered the 15 most used and most important SaaS products for you that are almost applicable to businesses in diverse industries. You can save money with Debite’s loan on your SaaS subscriptions by switching to the annual plans that offer massive discounts. Discover Debite’s practical, highly-recommended and easy-to-use world.&nbsp;</p><h3><strong>Zoom for Online Meetings and Remote Working</strong></h3><p>No one can talk about this subject without mentioning Zoom! Online meetings have changed our lifestyle, working routine, and meeting attitude. Zoom is one of the most used SaaS tools between 2020-2022, and we still use it almost daily.</p><p>Zoom’s popularity is primarily because of the flexibility and diversity the tool offers and its simplicity. From online webinars to team meetings and university classes, Zoom uses various ways. Also, you can use Zoom on any device and platform, which eliminates the dependency on limited device solutions. In addition, The tool doesn’t require a high-performing computer or mobile phone. You can join meetings with your Android or iOS smartphone, share your screen, open polls, etc.&nbsp;</p><p>Zoom can easily be your best friend within minutes if you are looking for a SaaS tool to organise your online meetings. You can check Zoom’s business plans and simply integrate the product into your workflow. Your employees can set Zoom meetings on Outlook and send meeting invitations to each other in less than a minute. Also, you can use Zoom to present your new ideas and projects to your customers, regardless of wherever they work.&nbsp;</p><p>If you have already transformed your working routine to the hybrid or fully remote model, you need to have an online tool to organise meetings, right? Here is where Zoom can assist you with its easy-to-use and responsive interface. You don’t need to have physical meetings; you don’t have to fly all over the country to meet your potential customers. Simply claim Zoom’s Premium version to create your company's fully digital meeting organisation. Moreover, a loan from Debite can add the benefit of saving money because Zoom offers 17% off for your annual purchases.</p><h3><strong>Slack for Team Communication</strong></h3><p>Momentarily communication is a must for every company. However, paying substantial mobile phone bills has been out of topic for years, and you need to separate your personal WhatsApp account with business communication, right? Slack is here to create compelling and fast communication for you.&nbsp;&nbsp;</p><p>The multifunctionality of the communications platforms has become one of the fundamental parts of digitalisation. Because mailing is usually not agile enough to meet a startup’s communication needs. On the other hand, Slack provides a refined interface, user experience, and high compatibility with other tools you may have been using, such as Google Docs or Trello. So when it comes to internal communication, Slack makes the top of the list.</p><p>You can use Slack for your text, video, and audio communications. Also, you can simply create teams and channels on Slack to connect your employees. In addition, Slack can help you connect other SaaS products to your communication channel with numerous integrations. For example, you can follow up on ongoing and following projects and their status with agile board extensions. Also, Slack has Android and iOS applications; you can even connect with your employees when they are out of the office.&nbsp;</p><p>As a global love brand, Slack is more than a communication application nowadays. Slack will be your partner during your digitalisation process to make internal communication more fun and easy. Are you looking for a tool to improve your company communications and operations at a faster pace and save some money? Get a loan from Debite in 24 hours and invest it in Slack’s annual plan to get a 17% discount.&nbsp;</p><h3><strong>Figma for Collaborative Design</strong></h3><p>Whatever your industry is, marketing is a vital part of the journey. And when it comes to marketing, design is one of the main pillars. But, have you ever checked the design software prices? Yes, they are expensive, aren’t they? But on the other hand, they are super important to have. So, how can you manage a marketing team with a fully-equipped creative workflow? Figma can solve the problem for you. An affordable and exciting tool to use, no matter what your marketing project is.&nbsp;&nbsp;</p><p>Figma makes design a simple, enjoyable process. Your employees can be a part of the design workflow with Figma’s straightforward interface and well-adjusted user experience. You can even learn how to design with Figma from scratch.</p><p>Figma will be one of the most used SaaS tools in your business’s marketing department. Apply for a loan on Debite to start using Figma today and get a 20% off with a yearly plan. We are sure they will appreciate your move and immediately begin to use this brilliant tool with joy!</p><h3><strong>Canva for Designing Social Media Posts</strong></h3><p>Gaining new customers is the number one target for your company, right? We can’t think about gaining customers without social media efforts nowadays. So, having an excellent social media design tool is a must-have.&nbsp;</p><p>Social media changed how we communicate with our customers and promote our products. Canva is a tool to simplify your social media design and post processes.</p><p>From printable brochures to Instagram posts, Canva has tens of template categories that are easy to redesign. Using Canva is easy; you don’t need to learn to design with Canva’s beautiful templates. The tool also provides free stock photos, videos, and illustrations for you to use on your designs. So check Canva and discover the new way of communication with eye-catching visuals.</p><h3><strong>Dropbox for Cloud Server</strong></h3><p>You can’t buy external hard drives for every single team member. It would be so expensive and also useless effect. On the other hand, you need to store your data online at affordable prices to share your files with peers, right? Then you are in the right place, and Debite is here to back you up with good discounts. Storing data and files on your physical hard disk or USB flash disk is outdated. So you need to rethink how you store your documents online and offline as soon as possible. And Dropbox is an outstanding solution for that.</p><p>With Dropbox’s business plans, you can simply move your offline files to cloud servers and securely store them. Also, you can share any file you want with your peers. So if you’re going to have a business managed as a 21st-century company, you should consider cloud storage servers. Dropbox is one of the best solutions for that, and you can save cash with Debite on your Dropbox purchases, too!</p><h3><strong>Asana for Scalable Team Management</strong></h3><p>Agile is a workflow term and an attitude to have in your company. Being agile has been the main target for every company for years now. It is the right time to redesign your team members’ workload and workstream with an agile mindset. Asana can help you with that.</p><p>Asana is an excellent agile board to manage your projects and follow up on the current workload, backlog and completed teams’ tasks. Discover new ways of working with your employers to help them be more agile and self-starters. Create small groups with an agile mindset and make them run sprints to complete complex tasks within shorter times than expected. They will use Asana to manage their sprints and outputs.&nbsp;&nbsp;</p><h3><strong>Trello for Simple Project Coordination</strong></h3><p>Completing a complex task with an extensive team sometimes becomes a colossal disaster. And creating agile teams is the best way to separate big tasks into small pieces. You need to let your employees work with a self-starter attitude. Thereby you can expect them to complete complex tasks in a limited time. Trello is one of the most used and straightforward agile boards. For years, the tool has become a love brand with a user-friendly and simple design.&nbsp;</p><p>Trello helps you create boards, add the team members, follow the sprints and complete tasks. You can assign tasks to respective employers and add due dates, detailed pieces of information, files, and so on. You can simply debrief your employers and follow the current work status. With Debite, you can have Trello with a 25% price advantage in a yearly plan.&nbsp;</p><h3><strong>Hubspot for Marketing Boost</strong></h3><p>Hubspot is a powerful marketing automation tool. Your marketing team can manage their workload easily with this well-designed tool and perform better. Especially when it comes to understanding your customers' needs, recent activities, and purchases, you’ll need an effective tool like Hubspot to complete that tasks.&nbsp;</p><p>Your marketing team needs an excellent tool to have good quality leads. Thereby, they can manage their workflow. The tool has its own CRM module, and with this module, you can easily monitor your customers’ profiles and address their needs.</p><h3><strong>Zendesk for Efficient Customer Management</strong></h3><p>Customer support is a must-have service, and it is pretty expensive. But with Debite’s special offer, one of the best customer management tools is affordable for your company. Zendesk is an excellent tool for having a customer support system. With Zendesk, you can easily have your helpdesk ticket system and manage all support requests with one software.&nbsp;</p><p>You can integrate your mail and chat support services to Zendesk, manage every helpdesk source on one platform, and easily connect with your customers. Solving their problems faster is your main objective and managing tickets seamlessly with Zendesk is easier than you can imagine.</p><p>With the help of Debite’s loan, you can integrate Zendesk into your business for a fair price—a 24% discount is available if you subscribe to the annual plans.</p><h3><strong>Mailchimp for Effective Outreach</strong></h3><p>Mailchimp is an easy tool for creating mail newsletters and mail campaigns for your customers. Also, you can track the performance of your mailing campaigns with their KPIs and monitor them.</p><p>Mailchimp allows you to design your company’s branding on mail inboxes with lots of lovely templates. It is nice to have an easy-to-use mailing partner create amazing marketing campaigns.&nbsp;</p><h3><strong>Notion for All-in-one Digital Workspace&nbsp;</strong></h3><p>Notion can help you to connect your teams, projects, and documents. Thereby, you can manage almost everything on a single interface. You can store your meeting notes, key projects and anything you want with tags. Also, you can use Notion even as an agile board to create workflows. Why do you need Notion, though? This question has a simple answer. Because we all need to combine different data, documents, and tasks in an elaborately designed dashboard, we can present them anytime and to anyone we want. Furthermore, with Notion, you can easily track the current status of tasks and complete every single step in a well-orchestrated organisation.&nbsp;</p><p>As one of the most popular SaaS tools, Notion offers a well-prepared, organised, easy-to-follow workflow to make your business even more optimised and organised with digital attributes.</p><p>You can enjoy up to a 20% discount if you spend the cash you got from Debite on long-term subscriptions and discover a new way of working with one of the most popular organisers.</p><h3><strong>Hootsuite for One-stop-shop Social Media Management</strong></h3><p>Social media management and monitoring are pivotal for business management nowadays. Hootsuite is one of the most productive tools for that.</p><p>You can manage multiple social media accounts on Hootsuite, schedule posts for various accounts, and monitor your social media interactions. From Facebook to Linkedin, Hootsuite makes social media management an end-to-end journey for everyone.&nbsp;</p><h3><strong>Calendly for Precise Planning</strong></h3><p>Do you want to schedule demo days or meetings with your customers easily? Then why don’t you give Calendly a shot to simplify this process?</p><p>Calendly has a simple interface to easily set meetings and share them with your customers. Also, this tool has nice integrations with Gmail, Office365, and more. On the other hand, if you want to implement your meeting schedule on your website, Calendly can be used for that.</p><h3><strong>SEMrush for Taking Care of SEO</strong></h3><p>Search engine optimisation and search engine marketing are essential for almost every business—you already know that by now, having a fancy website is not enough to reach your customers, and you need to create content. So how do you measure and improve the success of your content? First, you need to understand how SEO and SEM work and how you can improve your website’s traffic, attract more visitors, and convert them to paying customers.</p><p>Your potential customers are now on Google and searching with different keywords to find your products. So, how can you determine which keywords suit your blog or product pages? How can you be in the top positions on Google search results pages? SEMrush will provide whatever you need with incredible insights, tools, analysis, and more.</p><h3><strong>Grammarly for Exquisite Use of the English Language</strong></h3><p>Even in your native language, sometimes it is hard to write grammatically correct and easy-to-read copies. However, Grammarly can correct your grammar and suggest improvements to all of your text. So whether you need blog articles with perfect English or your team members to be more careful with their typos and narratives in emails, Grammarly has a solution.</p><p>&zwj;</p></div>

Top 15 SaaS Tools for Startups and Small Businesses

This manual will introduce you to some possible ways of making organising these vital documents much more comfortable.

<div data-w-id="10e2f763-e8d0-9686-10db-ef18e375913b" style="transform: translate3d(0px, 0px, 0px) scale3d(1, 1, 1) rotateX(0deg) rotateY(0deg) rotateZ(0deg) skew(0deg, 0deg); opacity: 1; transform-style: preserve-3d;" class="rich-text w-richtext"><figure class="w-richtext-align-center w-richtext-figure-type-image"><div><img src="" alt=""></div></figure><p>&zwj;</p><p>You possibly have already heard something about the term sheets as a startup entrepreneur. It is a critical interaction between a startup owner like you and your potential financiers. Irrespective of where you sit at the desk, it’s essential to spell out all of the asset’s terms &amp; conditions before making any commitment.</p><p>We know this crucial function of a term sheet; understanding the process is necessary for your investment and business goals. So we compiled the following short, albeit informative and introductory guide that will undoubtedly facilitate your preparation of a term sheet for your business.</p><p>Starting from a brief explanation of what a term sheet is, this step-by-step manual will introduce you to some possible ways of making organising these vital documents much more comfortable.</p><h2>What Is a Term Sheet Exactly?</h2><p>You can imagine the term sheet as a deal between the founder and the investors of the startup. It’s comparable to a pact between you two, except it’s typically non-binding. However, when acknowledged in the term sheet, the covenant becomes “legally binding” to a certain extent. For example, this is when founders are prohibited from making further decisions on specific subjects. Logically, this brief definition needs further detailing of a term sheet’s components to comprehend the concept better.</p><h2>What Is in a Term Sheet?</h2><p>Unsurprisingly, one of the questions people wonder about is the contents of a term sheet. Although it is hard to put exact borders on these substances, we can argue that a well-structured term sheet example is mostly between 15 to 25 pages in length. Moreover, it should clearly and understandingly explain the essential details regarding conditions and regulations between the investor and the startup (or business) owner (in this case, that’s you) so as not to have any problems regarding these first substantial steps later on.</p><p>What are these details? The target company and its starting value and the investors involved in the process constitute the backbone of the essential details of a term sheet. Other than these, the list of contents of a term sheet can be expanded to cover the following.</p><ul role="list"><li>Common shares</li><li>Other significant financial perspectives of the investment</li><li>Post-money value of the company/startup</li><li>Liquidation preference</li><li>Confidentiality agreement</li></ul><p>Interestingly, many people also want to understand the legal binding of a term sheet; therefore, we believe it is equally essential to talk a bit about this particular perspective.</p><h2>How Much “Legally Binding” Is a Term Sheet?</h2><p>A fundamental legal approach <a href="https://uk.practicallaw.thomsonreuters.com/2-382-3876?transitionType=Default&amp;contextData=(sc.Default)&amp;firstPage=true" rel="nofollow">argues</a> that whilst term sheets are not legally enforceable most of the time, save in the cases of secrecy, exclusivity (if applicable), expenses, and jurisdiction, they demonstrate the parties’ purpose. As a result, it may be difficult for both parties to renew once a term sheet has been agreed upon. Even though renegotiation is conceivable, you could be compelled to give up another contract item that is equally vital to you.</p><p>Transitional deals may have a consequence on the parties’ relationship, which may mean that the agreement never moves on from this point. To put it more simply, the ramifications of agreeing to a non-binding commercial point early in the process of a prospective deal may be more catastrophic than you imagine. Therefore, we can say that these are what it contains rather than what it is that makes a term sheet have a position of being “legally binding,” at least to a certain extent within a specific context.</p><p>All of these critical details make people think about whether there can be someone that can help them on the path of preparing a term sheet. Here is a brief explanation regarding such potential people.</p><h2>Who Can Help You with Preparing a Term Sheet?</h2><p>Term sheets contain some of the most critical commitments about your business or startup initiative. However, there might be times when you will look for help from outside to avoid any possible costly mistakes.</p><p>As noted above, especially when there are cases connected to legal matters, asking for the help of a law professional might be beneficial. Under such circumstances having lawyers for startups is a good option. Furthermore, to avoid any misunderstanding between the parties of a term sheet, you can have these lawyers who will protect the lawful rights of the startup as well. Other than this “humanised” option, several legal SaaS companies can make this process much easier for you. Also, this is where we, Debite, come into the picture to support the costs of your legal needs whilst preparing your term sheet.</p><h2>Using Legal SaaS Tools Whilst Preparing a Term Sheet</h2><p>It might also be a good option for you to use specialised software, known as Legal SaaS (or SaaS Legal), whilst dealing with the term sheet preparation. Two of the leaders in the field are Seedlegals and Orrick. Again, you can take advantage of the capital <a href="https://www.debite.io">Debite</a> provides.</p><p>Whilst reading their respective SaaS Legal Documents, including SaaS Legal Agreements and SaaS Software License Agreements, you should be careful to ensure what you can do with them.</p><h3><strong>SeedLegals</strong></h3><p><a href="https://seedlegals.com/resources/seedlegals-term-sheet-clinic/" rel="nofollow">SeedLegals offers</a> tools and solutions for investor and creator parties of a term sheet. Analysing the specific needs of these two groups, SeedLegals software makes the process much easier and comfortable and more trackable for anyone involved in it.</p><h3><strong>Orrick</strong></h3><p><a href="https://www.orrick.com/en/Total-Access/Tool-Kit/Term-Sheet-Creator" rel="nofollow">Orrick’s Term Sheet Creator</a> lets you produce drafts of startup and venture finance contracts based on your answers to a series of interactive questions, from business formation to preferred stock financing. Among the tools Orrick offers, Incorporation Term Sheet, Convertible Note Financing Term Sheet, and Preferred Stock Financing Term Sheet appear to be the most intriguing.</p><p>Lastly, don’t forget to check the opportunities Debite provides to you in this process. Paying for these software and many more is now much more accessible and beneficial, thanks to Debite’s financing options. In less than 24 hours, you can secure your loan from Debite and utilise additional benefits, including available savings and the opportunity of lowering your expenses up to 30% by selecting annual subscription offers. After explaining these tools and their potential, now a brief rewind for the overall process of preparing a Term Paper looks pretty tempting.</p><h2>Fastly: Steps of Preparing a Term Sheet</h2><p>Generally speaking, preparing a Term Paper is much easier than you might expect. There are just a few crucial steps to which you should pay the highest possible attention, and the rest of the process will come upon you much faster.</p><h3><strong>Identify the Purpose of the Term Sheet Agreements</strong></h3><p>Your defying the objective of the term sheet should not be confined to the model designed above; it should also include gathering any information required to succeed phases in the term sheet development.</p><h3><strong>Briefly Summarise the Terms and Conditions&nbsp;</strong></h3><p>The summary may go into greater depth, referring to unique components depending on the nature of the term sheet, including the document’s objective and the kind of investment/sale engaged.</p><h3><strong>List the Offering Terms</strong></h3><p>This text chapter generally aims to solve the so-called “offerings on the table.” However, it is just another part of a term sheet that delves into considerable depth about the fundamental tenets of the conversation.</p><h3><strong>Include Dividends, Liquidation Preference, and Provisions</strong></h3><p>For example, let’s imagine your business runs into some difficulties early on and utterly fails. Investors would receive a portion of their money back if these settings were in place. Those are essentially the rights in place in terms of provisions, if things do not go as planned and the business and the investors’ money are jeopardised. Safeguarding measures are put in place in the term sheet in this instance, and they should cover what will be refunded to investors if the business’s market falls.</p><h3><strong>Identify the Participation Rights</strong></h3><p>The participation rights chapter of a term sheet is mostly a section where both parties have difficulty when it comes to striking a deal. It is primarily attributable to the fact that investors frequently favour participation rights for apparent reasons, whilst entrepreneurs do not.</p><h3><strong>Create a Board of Directors</strong></h3><p>A company’s board of directors is an essential governing body, and term sheets typically include provisions outlining how it will be organised and who will influence crucial board votes. The board of directors is, in many respects, <a href="https://discover.shareworks.com/a-private-company/term-sheets-the-definitive-guide-for-entrepreneurs" rel="nofollow">argued</a> to be one of the most fundamental methods of control of a typical VC-backed enterprise.</p><h3><strong>End with the Voting Agreement and Other Matters</strong></h3><p>Never forget to leave an alternative path that can be taken to reach a challenging situation between the parties of a term sheet. Clarifying what can be done in such instances will help you avoid a stalemate, in which many jurisprudential and stressful steps will have to be taken.</p><p>&zwj;</p><h2>Final Words</h2><p>Preparation of a term sheet includes many essential phrases, which sometimes even evolve into jurisprudential means. Successful planning of a startup (or business) will definitely have significant implications coming from such a process. Understanding what can be done and from whom you can get an extra hand dealing with these steps will make this operation much more comfortable for both parties of a term sheet. Debite gives you a great opportunity through which you will be able to attract even a significant number of investors to your startup. You can illustrate your efficient usage of the Debite credit as another vital proof of your company being investable. This is your story, and Debite will continue to offer many possible ways to make it much easier for you.</p><p>&zwj;</p></div>

How to Prepare a Term Sheet: A Step-By-Step Guide

Startup Loans for New Businesses are designed for small businesses trying to expand or entrepreneurs starting an enterprise.

<div data-w-id="10e2f763-e8d0-9686-10db-ef18e375913b" style="transform: translate3d(0px, 0px, 0px) scale3d(1, 1, 1) rotateX(0deg) rotateY(0deg) rotateZ(0deg) skew(0deg, 0deg); opacity: 1; transform-style: preserve-3d;" class="rich-text w-richtext"><h1>Business Loans for Startups</h1><p>&zwj;</p><p>You already took a big step by following your dreams through a new startup you have initiated. These initial steps should be the pioneers of what is to come afterwards. To sustain a viable income flow for the future of your startup, logically, you will look for loan possibilities. Moreover, other significant concerns of people like you remain unanswered on the internet, such as how to qualify for a loan, apply for these loans, and which specific form of a startup loan might be the most beneficial for your application. You will benefit from the advantages Debite offers and save quite an amount of money, which you may use for other significant expenses of your startup project. Before getting into the details of these intriguing points, it might be more helpful to understand the potential challenges that you might come across in this long but, at the same time, inspiring journey. We want to add a cheerful reminder that we, as Debite, will help you on the path to your startup’s financial stability; we can also be your trusted companion throughout your trials by fire.</p><h2>Which Challenges Await on the Path of Startup Loans?</h2><p>Reaching the rainbow won’t be easy when it comes to overcoming the obstacles that await you on the road to securing a viable loan for your startup. So, be ready to face many challenges from the starting point until dealing with the interest rate applied to you. You must be careful whilst preparing any necessary documents, especially if you haven’t asked for additional stress from Santa. Regardless of the exact aim of your startup, looking for a source to sustain your plans will be a bit tough.</p><h2>How to Qualify for a Loan?</h2><p>After leaving behind the nerve-racking list of challenges, the next important step is understanding what to do and achieve to fulfil the eligibility requirements for a business loan. It is better to remember that these requirements can vary according to the context and country. Nevertheless, a few common and particular points still appear that you should accomplish.</p><h3><strong>A High Credit Score</strong></h3><p>Often, these lenders presume that past results hint at future outcomes. They get this information via personal and commercial credit ratings. For example, one of the first criteria for a business loan is that both the firm and the owner have solid credit scores. According to lenders, the lower the credit score, the greater the uncertainty.</p><h3><strong>A Sustainable Annual Revenue</strong></h3><p>Almost all creditors will also want records of your bank account activities to validate the net income reported on your accounting records. Recall that the prerequisites for a startup loan are centred on profitability growth instead of revenues.</p><h3><strong>An Updated Business Plan</strong></h3><p>Wherever you obtain your loan, these people and institutions will want to learn how you plan to spend their investment. Even if that money was given to you to be repaid soon, don’t forget that people will not lend a penny to a brand that has no credibility in their eyes. Therefore, you should have a clear roadmap that will positively impress your potential supporters considering this vital fact.</p><p>&zwj;</p><h3><strong>And Others</strong></h3><p>In addition to these vital requirements, a couple or more can appear depending on the conditions, location, and timing. Referring to your exact business definition, a loan giver can also ask for your driving records and relevant documents on that aspect or even request more information about your financial conditions without having any limitations to be themed around the startup scheme.</p><p>Before jumping right into the process through which you will apply for business funding for startups, you should compare and comprehend some of the most well-known types of startup loans. Keep in mind that these loan types have their respective regulations; thus, it is best to analyse them in-depth.</p><h2>Which Startup Loan is the Best for Your Business?</h2><p>Unlike overall expectations, there is a great variety when finding a viable loan option for startups. Depending on the prospects of your project, you can find different possible funding institutions, including government startup loans, startup loans for new businesses (or business funding for startups), and new business startup loans are just some of the examples of many opportunities. Startup loan companies are also there to help you, so keep in mind to check what they offer. Here is a brief introduction to some of the mentioned services above. Regardless of which option will be your final decision, don’t forget this fundamental motto: “just have enough strength to take your first steps; the rest will eventually come after them.”</p><h3><strong>Government Startup Loans</strong></h3><p>The British Government <a href="https://www.gov.uk/apply-start-up-loan" rel="nofollow">allows</a> startup owners to apply for a startup loan package ranging from £500 to £25,000. There are several requirements to be eligible to apply, including living in the UK, being older than 18, and owning—or planning to own—a UK-based business that has been trading for shorter than 24 months.</p><p>The government guarantees startup loans with an annual 6% fixed interest rate. You can pay back your loan over one to five years, and there are no application fees or charges for early repayment.</p><h3><strong>Startup Loan for New Businesses</strong></h3><p>Startup Loans for New Businesses are designed for small businesses trying to expand or new entrepreneurs starting a new enterprise. Before seeking a startup business loan, the step is understanding how they operate and picking the right loan for your needs. Sadly, unlike a grant, a non-repayable resource that an institution or group can award to select firms for a specified purpose, a Startup Loan must be refunded over a predetermined period.</p><h3><strong>Options Coming from Startup Loan Companies</strong></h3><p>Keep in mind that the tracks are under the complete control of private companies when you decide to apply for their specific programs on such matters. For instance, Nationwide Finance’s New Start Finance <a href="https://www.nationwidefinance.co.uk/eligibility-checker/?utm_source=kym&amp;utm_medium=table&amp;utm_campaign=startups" rel="nofollow">allows</a> you to apply for an amount between £8K to £500K for one to five years-long periods.</p><p>Another alternative, <a href="https://www.startuploans.co.uk/affiliate/?utm_source=Tradedoubler&amp;utm_affiliate=http%3A%2F%2Fwww.knowyourmoney.co.uk+%28GB%29&amp;tduid=ae900ddf52b56d0c50d18a60fcf72004" rel="nofollow">coming</a> from British Business Bank, has a fixed 6% interest rate and lets you apply for an amount varying between £500 and £25K.</p><p>You can also take advantage of the financial support <a href="https://www.debite.io">Debite</a> provides, especially if you’re in the early stages of your business and need affordable SaaS solutions. Debite offers £5K to £50K financing for your SaaS needs, but you can use your money for other costs, such as marketing and office supplies. You can spend your loan from Debite on hundreds of service and supplies providers, taking advantage of discount options of the annual plans. In the future, you can show them as evidence of “smart spending” to the investors when you start to look for more funding.</p><h2>How to Apply for a Startup Business Loan?</h2><p>The recipe is quite simple and easy. After making your mind on what exact type of a startup business loan to acquire, perhaps from the description made regarding the above, you should be confident about both your respective personal and business credits. Then, if you calculate that these conditions will be easily actualised, you can move towards the next step, in which you will have to deal with an incredible amount of paperwork—unless you apply for a loan from Debite.</p><p>Do you have everything well prepared? Then be sure that you will get the best deal by scrolling carefully among the lend offers, and apply for the ones that sound the most plausible to your reasoning.</p><h2>Final Words</h2><p>Establishing a new startup business has never been so easy. However, the many alternatives proposed to the potential startup owners make the process more accessible than ever. Understanding the requirements and what to do to achieve the ultimate efficiency in financing will give a most required hand on these matters. Debite will stay with you throughout this process and make the whole process much easier and cheaper for your startup.</p><p>&zwj;</p></div>

Business Loans for Startups

Financing platform Debite launches to fuel UK start-up growth

<div data-w-id="10e2f763-e8d0-9686-10db-ef18e375913b" style="transform: translate3d(0px, 0px, 0px) scale3d(1, 1, 1) rotateX(0deg) rotateY(0deg) rotateZ(0deg) skew(0deg, 0deg); opacity: 1; transform-style: preserve-3d;" class="rich-text w-richtext"><p><strong>LONDON, 31 May 2022 </strong>– Debite, the dynamic financing platform for early-stage companies, has today announced its UK launch with a mission to help businesses more effectively manage their cashflow and maximise their growth potential.</p><p>Tackling one of the primary reasons why most start-ups fail, Debite’s Buy Now Pay Later model means customers benefit from smoothing the cost of expensive business payments, such as subscriptions, marketing and inventory, via a flexible and affordable repayment plan. </p><p>The platform has been built to serve the needs of early-stage companies that are currently underserved by traditional lenders. Debite will offer dynamic spending limits considerably higher than the typical loan and credit products available to this customer segment, with interest rates starting at 0%. Debite’s long-term ambition is to become a comprehensive banking and financial management solution for underserved early-stage businesses.</p><figure style="max-width:1430px" class="w-richtext-align-center w-richtext-figure-type-image"><div><img src="https://uploads-ssl.webflow.com/615c1700262745fbcbf9f5c4/6294ec497ac49f2d08346d33_Picture%201.png" loading="lazy" alt=""></div></figure><p>Debite will initially offer two main products in the UK –<strong> Save &amp; Spend Loans </strong>and<strong> Boosted Debite Card.</strong></p><h4>Save &amp; Spend Loans</h4><p>Debite’s easy-access loans offer instant cash to help businesses manage the high-cost of growth critical initiatives.</p><p>Whether that be saving on day-to-day operational costs, such as SaaS subscriptions through enabling the purchase of an annual vs monthly payment plans, or supporting spend on key marketing campaigns to drive customer acquisition, Debite’s Save &amp; Spend Loans help scale-up businesses navigate a number of major financial hurdles. </p><p>Businesses will be able to access funds, normally unavailable from traditional lenders, of between £5,000 to £50,000 at competitive interest rates starting at 1.40% per month. </p><figure style="max-width:1430px" class="w-richtext-align-center w-richtext-figure-type-image"><div><img src="https://uploads-ssl.webflow.com/615c1700262745fbcbf9f5c4/6294ecf63e36c671d9575103_Picture%202.png" loading="lazy" alt=""></div></figure><h4><strong>Boosted Debite Card</strong></h4><p>Alongside this, the Boosted Debite Card offers dynamic credit limits that are typically 20 times higher than traditional lenders at 0% interest if paid within 30 days. Similar to Save &amp; Spend, customers will benefit from a range of flexible repayment terms offering greater control over day-to-day cashflow and the power to unlock growth opportunities. </p><p>For both products, Debite’s application process is underpinned by its proprietary technology with no personal guarantees required. A lending decision is made within 24 hours, with cash available instantly. Customers are then easily able to track spending and make changes to their repayment plan through an interactive online portal. </p><p>Demand for both products has already been impressive with over 100 companies registering on Debite’s pre-launch waiting list requesting access to over £1m of potential credit. </p><h4><strong>Backing from leading fintech investors</strong></h4><p>The company has ambitious hiring plans with over 20 new hires across sales, finance, risk, technology and marketing planned by the end of the year. To fuel this growth, Debite completed a £2.5m pre-seed equity funding round, plus debt financing, from fintech funds and angel investors, including backing PlatformXit, co-founded by the former CEO of Mox Bank, one of the first neobanks in Hong Kong; the co-founder of e-wallet firm Papara; and QNBEYOND Ventures, the VC arm of QNB Group, the largest financial institution in the MENA region. </p><p>Debite is headquartered in London to reflect the company’s initial focus on the UK. </p><h4>Unrivalled management team</h4><figure style="max-width:40%" class="w-richtext-align-floatleft w-richtext-figure-type-image"><div><img src="https://uploads-ssl.webflow.com/615c1700262745fbcbf9f5c4/6294ed055b813dc34dfc7f91_Picture%203.jpg" loading="lazy" alt=""></div></figure><p>Debite’s management team comprises a blend of experts in financial services and entrepreneurialism. Co-Founder and CEO, Tayga Baltacıoğlu, is a serial entrepreneur with first-hand experience of the financial challenges facing early-stage companies having successfully built and scaled the global cleaning technology venture, Cleanzy. It was in this role that he realised traditional lenders were failing start-ups through a lack of funding support. </p><p><strong>Commenting on the launch, Debite CEO Tayga Baltacıoğlu, said</strong> “We are beyond excited to be making our vision a reality with the launch of Debite. So many early-stage companies start out with amazing ambitions and the potential to do incredible things, but issues with managing the heavy burden of operational costs, and a lack of attractive funding options from traditional lenders to help smooth cashflow, means that growth is often stifled. We know this market is ripe for innovation and we have huge growth plans to meet this challenge. We cannot wait to fuel the success of the next generation of business champions.” </p><p>Co-Founder and CFO Andres Korin spent 12 years at J.P. Morgan where he served as Vice President in a risk management role. Following this, he founded his consumer fintech start-up and advised other early-stage companies across a range of sectors. </p><p>Debite’s third co-Founder is Engin Attar who will serve as Head of Product and Growth. Attar previously worked as a management consultant at Bain &amp; Co. advising clients in the aviation and retail sectors, overseeing projects with a total value of $1.7 billion. He also has experience building and scaling an international start-up, in addition to managing large product and growth teams.</p><p><strong>Get started by applying for fast, flexible and affordable financing at</strong> <a href="https://www.debite.io">www.debite.io</a></p><p>&zwj;</p><h4><strong>About Debite</strong></h4><p>Debite is on a mission to help early-stage companies grow, by providing funding to help manage business costs. </p><p>Debite offers fast, flexible, and affordable financing which can be used for a range of large business costs. Debite solves the cash flow management problem many early-stage companies face, allowing them to focus on pursuing growth.</p></div>

We are on a mission to transform the financing landscape for early-stage companies once and for all.

<div data-w-id="10e2f763-e8d0-9686-10db-ef18e375913b" style="transform: translate3d(0px, 0px, 0px) scale3d(1, 1, 1) rotateX(0deg) rotateY(0deg) rotateZ(0deg) skew(0deg, 0deg); opacity: 1; transform-style: preserve-3d;" class="rich-text w-richtext"><p>Dear friends and founders,</p><p>Today, I am proud to announce the launch of Debite.</p><p>We are on a mission to transform the financing landscape for early-stage companies once and for all. The existing system is broken, and we’re here to fix it. </p><p>Debite helps start-ups grow faster and manage their cash flow with our flexible financing solutions. Unlike traditional lenders, start-ups are our main customers. Our application process has been designed with small but ambitious businesses in mind. We don't waste your time by asking you to fill out endless forms, detailing your financials, or submitting an exhaustive transaction history. We don't take months to make a decision, and, importantly, we choose to lend based on factors that make sense to a young business.</p><p>We’re built to make sense in today’s fast-moving world and are a game-changer for ambitious businesses with big growth plans.</p><p>We all know getting a business off the ground and scaling it can be a challenging and inefficient process. Operational costs, like office equipment and subscriptions, are essential outgoings but drastically eat into cash reserves. Extensive marketing campaigns have the power to offer great returns, but require paying large sums up front. In the early stages of a company's journey, managing these costs is the difference between surviving and thriving.</p><p>Yet, there are very few attractive options to help ease this cash flow pressure. Traditional lenders are often slow and expensive and rely on a system that supports only well-established businesses with regular income. More recent challengers are doing well but only focus on small areas of the market.</p><p>I founded Debite because I have first-hand experience of the pitfalls of growing a start-up. In my previous business, I felt all too painfully, the frustration of being unable to realise growth potential because of cash-flow constraints. If I had a partner like Debite beside me, I believe I could have reached more of my goals faster and easier.</p><p>Our initial products have been designed for two essential purposes: Debite’s easy-access Spend &amp; Save Loans offer instant cash of between £5,000-£50,000 to help businesses manage the high cost of growth critical initiatives, such as marketing or SaaS subscriptions. While the Boosted Debite Card offers dynamic credit limits that are typically 20 times higher than banks, providing greater control over day-to-day cash flow. Our customers will be able to track their spending and make changes to their flexible repayment plans through an interactive online portal.</p><p>I am passionate about helping ambitious early-stage companies achieve their goals by providing attractive funding support which nurtures growth, not hinders it.</p><p>My team and I can't wait to get started.</p><p>Onwards and upwards,</p><p>Tayga</p></div>

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