Why Your Bank Might Be Slowing Down Your Business

And What Smart Business Owners Across SW London & the South East Are Doing About It?

If your business turns over £250,000+, you’re married or in a long-term relationship, and you're based in SW London, Surrey, Kent, Hampshire or Sussex you already understand the cash flow pressure in today’s economy.

But here’s something few business owners are told:

The traditional banks you trust might be slowing your growth.

With lending criteria tightening and decision times dragging, a growing number of directors and self-employed professionals are turning to www.financewithstuart.co.uk for independent, FCA-regulated access to business funding fast, flexible and fit for purpose.

1. What’s Going On with Business Lending?

Mainstream banks have been pulling back from SME finance. The Financial Times reports falling approval rates, and The Guardian notes the UK government is actively pressuring banks to get cash flowing again.

Meanwhile, the smart money is moving elsewhere towards:

• Independent commercial brokers

• Invoice and asset finance specialists

• Regulated peer-to-peer and fintech lenders

That’s where Finance With Stuart comes in.

2. What You Can Access

Through Finance With Stuart, business owners are connecting with a wide panel of regulated lenders offering:

• Invoice Finance – get 80–90% of your invoice paid up front

• Asset Finance – fund new equipment or vehicles without large upfront costs

• Working Capital Loans – flexible, short-term funding to manage operational needs

• Commercial Mortgages – for owner-occupiers and investors

Every lender is FCA-authorised. Every facility is tailored to your business goals.

3. Why It Matters in 2025

Your Business Need	Potential Solution*
Chasing late payments	Invoice finance through trusted commercial funders
Scaling operations	Asset finance or capital loan, unsecured where possible
Preparing for tax or seasonal dips	Working capital solutions with fixed monthly terms
Moving premises	Commercial mortgages with flexible deposits

*All finance is subject to status, underwriting and, where applicable, personal or business security.

4. Real Outcomes, Not Just Offers

We recently helped a Hampshire-based logistics company secure short-term funding to win a national contract. A Kent-based consultancy used invoice finance to bring forward nearly £90,000 locked in their debtor book unlocking cash to reinvest in their team.

And both were under 3 years old.

That’s the Finance With Stuart difference: smart, fast, human-led funding.

A Word on Risk

Borrowing is subject to status and affordability. Property or other assets offered as security may be at risk if you do not keep up with repayments.

We’ll always assess your circumstances to ensure suitability and sustainability.

🚀 Ready to Take the Next Step?

If you’re a business owner in SW London, Surrey, Sussex, Kent or Hampshire, and you're looking to move faster than your bank allows let’s talk.

✅ FCA-regulated

✅ Independent and impartial

✅ Access to over 200 trusted UK lenders

Visit www.financewithstuart.co.uk or contact Stuart Johnston today for a no-obligation conversation.

Finance With Stuart is a trading style of Kingston Finance Ltd (FRN: 982690), an appointed representative of White Rose Finance Group Ltd (FRN: 630772), which is authorised and regulated by the Financial Conduct Authority. We are a credit broker, not a lender.