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.

Kara CookNovember 17, 2025Budget, Financial Adviser, Finance Broker, Borrowing, Lending, Commercial Finance

Interest Rates, Inflation & the Budget: Why It All Matters for Business Borrowing

Interest rates and inflation aren’t just economic headlines – they’re changing what it costs your business to borrow, refinance and grow. With the upcoming UK Budget, the stakes are high: a tax-cutting, big-spending package could keep rates higher for longer, while a more cautious approach may open the door to earlier rate cuts and cheaper debt.

This piece explains how the Budget influences borrowing costs, what it could mean for your refinancing or investment plans over the next 6–12 months, and the practical steps every business should be taking now – from reviewing existing facilities to stress-testing different interest-rate scenarios.

At Otium Partners, we help businesses use this uncertainty to their advantage. Read on to understand the risks, the opportunities, and how to position your funding strategy before the Budget lands.

Kara CookNovember 13, 2025Interest Rates, Budget, Financial Adviser, Commercial Finance, Financial Consultant

The Role of Private Equity in Large-Scale Commercial Finance

Private equity plays a transformative role in modern commercial finance, offering substantial capital and strategic expertise to businesses aiming for significant growth or restructuring. At Otium Partners, we specialise in connecting businesses with private equity opportunities, ensuring access to tailored solutions that drive success. From navigating due diligence to maximising growth potential and crafting exit strategies, our expertise makes the complex private equity process seamless. Ready to explore private equity’s potential for your business?

Financing Commercial Property in Wales and the South West: Key Considerations

Looking to finance commercial property in Wales or the South West? From understanding diverse financing options and budgeting effectively, to researching the local market and ensuring legal compliance—every step counts. Discover the key considerations that could impact your investment…

What is Commercial Finance and How to Choose the Right Financial Adviser?

The world of Commercial Finance can be daunting... understanding what commercial finance is and how to make sure you choose the right commercial finance broker is essential when running a business.

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