Industry insights from Funding Xchange's front-row seat in commercial lending
While business formation in the UK remains strong, reaching a record 5.6 million registered firms, access to finance continues to lag. Many businesses are borrowing to manage cashflow rather than to invest in growth, with affordability pressures, COVID-era debt, and higher interest rates reshaping demand. As cash reserves fall and rejection rates remain high, improving support and feedback for business owners will be key to avoiding a growing pool of firms locked out of funding.
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