Resources

Guides & resources

Practical guidance for UK business owners on payments, high-risk sectors, banking and funding.

8 resources

The words 'BAD CREDIT' spelled out in blue letter tiles with yellow letters on a bright orange background Guide
Funding 11 min read

Business Funding for Bad Credit: Your Options With No Credit Check

What 'no credit check' really means, the realistic routes for a poor or thin credit file - including merchant cash advances and business credit cards - what they cost, and how to improve your approval odds.

An illuminated Lloyds Bank branch sign with its black horse logo lit up at night on a UK high street Guide
Banking 7 min read

How to Open a Business Bank Account in the UK

The documents you need, sole trader versus limited company requirements, the step-by-step process, digital versus high-street routes, and what to do with bad credit.

Illustration of a hand holding a bank card surrounded by pound-sign coins, a dispute message, a warning sign and a padlock Article
Payments 8 min read

Chargebacks Explained: What They Cost and How to Cut Them

What a chargeback is, how the process works, what it really costs your business, how it differs from a refund and Section 75, and how to reduce them and protect your merchant account.

A hospitality worker in an apron taking a payment on a handheld card terminal at the counter Guide
Payments 9 min read

How to Switch Payment Providers in the UK

What to check first, how to choose a replacement, and how to move without losing a sale, held funds, or surprise exit fees.

A card payment terminal on a cafe counter printing a receipt Article
Payments 6 min read

Interchange++ (IC++) Pricing Explained

What IC++ pricing is, the three fees it breaks out, how it compares to blended pricing, and which model suits your business.

Numbered lottery balls in a draw machine Article
High Risk 10 min read

Prize Competition vs Lottery vs Raffle: The UK Rules Explained

How the categories differ, the skill test, the free entry route, and which ones need a licence.

A luxury car prize, the kind a UK prize competition business gives away Guide
High Risk 15 min read

How to Start a Prize Competition Business in the UK

The legal model, business setup, compliance, and the payments-and-banking hurdle most guides skip.

A UK Gambling Commission operating licence application form Guide
High Risk 12 min read

Do You Need a Licence to Run a Prize Competition or Raffle in the UK?

When you do and do not need a Gambling Commission licence, and the routes commercial operators actually use.