Insights & Guidance.
A library of articles, comparisons, and explainers on SME funding and cash flow. Written for owners, finance directors, accountants, and advisors who want substance, not summaries.
Everything here is free to read, free to share, and updated as the market changes.
CategoriesFour ways into the library.
Funding products
What each product is, how it works, what it costs, and when it's the wrong fit. Use these when you know the product you're considering.
Comparisons
Direct, side-by-side analysis where two products are commonly weighed against each other. Use these when you're choosing between options.
Cash flow & working capital
The mechanics of cash inside a business — forecasting, terms, collections, supplier negotiation. Use these when the question is broader than "what funding do I take?".
Opinion & analysis
Considered views on how the SME funding market is evolving — pricing, regulation, lender behaviour, the parts of the industry that don't get talked about.
In the library now.
Bank Rate held at 3.75 per cent: what it means for SME cash flow.
A rate hold is not cheap money. What it means for cash headroom, and how to match funding to a real need rather than a falling rate.
The 60 day payment cap is not a cash flow plan.
Late payment reform should help, but 60 days is still 60 days. How invoice finance and working capital fit the cash gap.
Open banking and AI can speed up funding, not fix weak cash flow.
Better data makes funding faster and clearer. It does not turn weak margins or poor records into a safe risk.
Companies House ID checks: why clean records matter for funding.
Identity verification makes director and ownership records more important. Messy filings slow funding down.
The bank said “no”. What now?
A practical guide for UK SMEs after a bank decline — what to check, what to fix, and which funding options may still be available.
Why profitable businesses still run out of cash.
Profit is an accounting result. Cash is what pays wages, suppliers and tax. Here is why the two often move at different speeds.
Late payment reform is needed. But funding should be part of the answer.
The Commercial Payments Bill caps payment terms at 60 days. But legal reform alone won’t fix the cash pressure — funding needs to be part of the debate.
Why business funding still feels harder than it should.
SME funding has more capital, more lenders and more technology than ever. Borrowers still feel the process is broken. Why.
What does the future hold for business funding?
Embedded finance, AI underwriting, regulation, new lender classes — what to expect over the next five years.
Funding is not failure: why good businesses use finance.
External funding is too often read as evidence something has gone wrong. The opposite is usually true.
Invoice finance vs business overdraft: which is actually cheaper?
Invoice finance and overdrafts solve different problems. Headline rates rarely settle which is cheaper.
Business cash flow funding explained in plain English.
What it actually is, when it helps, when it doesn't, and how to think about cost — written in plain English.
Why lenders ask so many questions before approving funding.
What lenders are really checking, and how to answer without losing your patience or your deal.
Complexity is killing financial products.
Why financial products feel deliberately confusing — and what good simplification actually looks like.
Who writes for Juno Funding.
Articles are written by experienced operators — finance directors, ex-lenders, and advisors who've worked inside SMEs. Bylines are real. Where an article reflects a single author's view rather than a settled position, we say so.
We don't take guest posts from lenders, brokers, or PR teams.