Business Tax Changes Explained: How They Impact Your Next Finance Application

The Budget outlined Labour’s tax direction, but many details remain unsettled. Labour argues its plan brings long-term stability, while the Conservatives warn of pressure on already-strained businesses. Lenders are reacting cautiously, adjusting models as tax shifts feed directly into cashflow and affordability. One client strengthened their asset-finance case thanks to improved allowances, securing better terms. Conversely, a consultancy paused a growth-loan application amid uncertainty over future liabilities. Historically, unclear tax policy slows borrowing, while generous reliefs unlock it.

Kara CookDecember 9, 2025Budget, Small Businesses, Tax policy, Finance Broker, Loans, Tax Changes

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

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