Financial information disclaimer

What this means

• –Nobody here is authorised by the Financial Conduct Authority, and nothing on this site is a personal recommendation.
• –Calculator outputs are arithmetic performed on figures you supply. They are planning aids, not valuations, forecasts or guarantees.
• –Business credit carries real risk. Interest, fees, personal guarantees and the effect on your credit file are matters to weigh before applying, and the provider's terms are the only authoritative source.
• –If money is already tight, free independent debt support — including Business Debtline — is the right first call, not a new credit product.

Before you act

Decisions about borrowing, structure, pricing strategy and reserves should be taken with your own accountant or a qualified adviser who knows your circumstances.