If 2025 Felt Like a Waiting Game, 2026 is the Year to Take Bold Action

As a business owner or director, navigating the world of finance, mortgages, and funding hasn’t been easy. Changing interest rates, tough lender criteria, and economic uncertainty have made it challenging.

But here’s the good news: 2026 is shaping up to reward those who take their business finance readiness seriously and act early.

Whether you’re based in Kingston, Croydon, Guildford, or Brighton, this is your chance to take control and move forward with confidence.

What to Expect in 2026: Finance Trends That Matter to Business Owners

1. Lenders Will Be Picky But Open for Business

Access to commercial and property finance is improving, but lenders are still cautious. This means only well-prepared applicants will get fast approvals.

If you’re self-employed, a company director, or running an SME, now’s the time to:

• Organise your accounts

• Prepare your SA302s and tax documents

• Understand how your income is viewed (salary vs dividends vs retained profit)

  
  

Tip: Present your case like a business plan. The more clarity you provide, the faster decisions will be made.

2. Self-Employed Mortgages Will Become More Accessible

If your income comes from dividends or retained profits, traditional banks may still struggle to assess your affordability.

However, more lenders are recognising the true picture, especially for limited company directors with a solid trading history.

To get mortgage-ready in 2026, make sure you have:

• Two years of finalised accounts

• Evidence of regular income

• A clear explanation of your business structure

  
  

3. Short-Term Finance Will Fuel Faster Growth

In 2026, short-term finance will no longer be seen as a last resort.

Business owners are using it to:

• Bridge tax liabilities

• Fund refurbishments

• Secure property deals quickly

• Cover short-term cash flow gaps

  
  

With interest rates expected to soften slightly, these deals could become even more attractive.

4. Growth Capital Will Get Smarter and More Flexible

Traditional business loans can be slow, complex, and rigid. In 2026, we’ll see a rise in revenue-based and unsecured funding that adapts to how modern businesses trade.

You could be eligible for growth finance if:

• You’ve been trading for at least 12 months

• Your turnover is £250,000+

• You can show consistent revenue

  
  

Forget waiting three months for a decision. Fast, fair funding is the new normal if you know where to look.

5. Energy Efficiency Will Impact Commercial Mortgages

EPC ratings aren’t just for show anymore.

If you’re buying or refinancing a semi-commercial or investment property, your energy performance could affect:

• Your loan rate

• Lender appetite

• Property valuation

  
  

If your property’s EPC is below a C, now is the time to make upgrades before compliance becomes non-negotiable.

The Importance of Being Prepared

Preparation is key in 2026. The biggest shift we’ll see this year is business owners who stop waiting and start preparing.

If you’re thinking about:

• Buying or refinancing property

• Releasing cash from your business

• Planning a big year of growth

  
  

Don’t wait for the “perfect” time. Start packaging your finances now, and take advantage of the opportunities 2026 will offer.

Download the Checklist to Boost Your Business Finance Readiness in 2026

I’ve put together a practical 7-minute checklist that helps business owners and directors understand how lenders actually assess funding and mortgage applications.

It’s called the 2026 Funding Strength Check™, and I’ll send it to you personally.

✅ Check your affordability & cash flow

✅ See how your business is viewed by lenders

✅ Know your real approval chances before you apply

Message me “READY” (via LinkedIn, Instagram, or the site contact form), and I’ll email it straight to you.

Let’s make 2026 the year you stop guessing and start moving forward with clarity.

Visit www.financewithstuart.co.uk

Kingston Finance Ltd is an Appointed Representative of Connect IFA Ltd. Finance is subject to status and affordability. Terms and conditions apply.

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Why Taking Action Matters

In the fast-paced world of business finance, inaction can lead to missed opportunities. The landscape is changing, and those who adapt will thrive.

Here’s why taking action is essential:

• Market Dynamics: The finance market is evolving. By being proactive, you can position yourself ahead of competitors.

• Financial Security: Taking steps now can secure your financial future. It’s about building a safety net for your business.

• Growth Opportunities: The right financial moves can open doors to new opportunities. Whether it’s expanding your operations or investing in new technologies, being prepared is crucial.

  
  

How to Stay Informed

Staying updated on finance trends is vital. Here are some practical ways to keep yourself informed:

1. Subscribe to Industry Newsletters: Regular updates can provide insights into market changes.

2. Attend Workshops and Webinars: These events can offer valuable information and networking opportunities.

3. Engage with Financial Experts: Building relationships with finance professionals can help you navigate complex situations.

   
   

Conclusion: Your Next Steps

As we approach 2026, it’s time to take charge of your financial journey. Don’t let uncertainty hold you back.

• Evaluate Your Current Situation: Take stock of your finances and identify areas for improvement.

• Set Clear Goals: Define what you want to achieve in the coming year.

• Seek Professional Advice: Don’t hesitate to reach out for help. Expert guidance can make a significant difference.

  
  

Let’s make 2026 a year of growth and success. Together, we can navigate the complexities of finance and unlock your business's potential.