Is Now the Time to Invest? The Budget’s Impact on Asset Finance Decisions

Asset finance is often the first area to shift after a Budget. Labour wants to spark investment in productive, greener equipment, while the Conservatives warn that pushing spending during high-cost conditions could expose SMEs to risk. Lenders are similarly split: some are widening appetite for machinery finance, others holding conservative loan-to-values. A construction firm recently secured competitive terms for a new excavator, helped by the Budget’s infrastructure focus, while a transport operator faced higher deposits due to cost pressures. As in 2017, caution dominates.

Kara CookDecember 29, 2025Financial Adviser, Borrowing, Lenders, Invest

Are Borrowing Costs About to Drop? What SMEs Should Know After the Budget

Many SMEs are wondering whether borrowing costs will finally ease. Labour says its Budget lays the foundations for stability and gradual rate reductions, while the Conservatives argue it falls short on tackling inflation. Lenders are equally split: some have trimmed margins slightly, others are holding firm until the Bank of England signals a clearer shift. Recent refinancing cases show mixed outcomes, and today’s cautious market contrasts sharply with 2021’s cheap credit.

Kara CookDecember 3, 2025Budget, SME, Small Businesses, Autumn Budget, Borrowing, Lending, Finance Broker

How the Next Budget Could Shift Commercial Lending – What Borrowers Should Know

The next UK Budget could quietly redraw the map for commercial borrowing – from how tough lenders’ criteria are to what it actually costs to raise finance. With rates still elevated, stricter affordability tests and nervous valuations, any shift in business rates, tax incentives or SME support could tip the balance between “approved” and “declined”.

This piece breaks down what the Chancellor’s decisions might mean for your funding options, refinancing plans and growth strategy – and the practical steps borrowers should be taking before Budget day to stay one step ahead.

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