Tools & Data

Data sources

Every figure cited on Established Finance, rates, thresholds, classification stats, comes from a real, named, dated source: the Bank of England, HMRC, Companies House, UK Finance and others, each cited on this page so you can check it yourself rather than take our word for it.

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Reviewed by Adam Parker, by name No obligation to talk this through No need to pick a facility first Timeline given after we understand your situation

Why this page exists

We'd rather you check than take our word for it

Every rate, stat and threshold used on this site is sourced below, with the body it comes from and, where relevant, a date. If a figure ever looks out of date, it's here so you can verify it directly rather than trusting a claim on a finance site.

Rates and lending data

Bank of England base rate — the official policy rate, set by the Monetary Policy Committee. Currently 3.75%, held at the 30 July 2026 decision (6-3 vote against a further hike). Next decision 17 September 2026. Source: Bank of England.
SME overdraft balances — £2.7bn outstanding at end-2024, against total SME loan-and-overdraft stock of £179bn. Source: Bank of England, Table A8.1 (monthly series since April 2011).
Business Finance Review (quarterly) — UK lending volumes across invoice finance, asset-based lending, and other commercial facilities. Source: UK Finance.
Small Business Finance Markets Report (annual) — SME finance usage and access patterns. Source: British Business Bank.

Company and classification data

Companies Act size thresholds — the official turnover, balance sheet and employee bands for micro, small and medium companies, effective for accounting periods beginning on or after 6 April 2025. Source: gov.uk.
SIC classification gap — 886,106 UK companies use at least one "not elsewhere classified" SIC code, around 1 in 5 of all UK companies on The Data City's own framing. A further ~740,000 of those have no other SIC code alongside the NEC one, genuinely hidden rather than just messily tagged. Source: The Data City, 2023 analysis of Companies House filings.
Audit-exemption threshold shift — an estimated ~113,000 companies moved from the small to the micro-entity band following the April 2025 threshold rise (the same reform separately moves ~14,000 medium companies to small and ~6,000 large companies to medium; 113,000 is the small/micro slice specifically, not the whole reform's headcount). Source: gov.uk, government impact assessment for the Companies Act thresholds change.
Company charges and filings — registered debentures, charges, and accounts. Source: Companies House.

Tax and regulatory sources

R&D tax relief rules and the merged scheme. Source: HMRC.
Tax adviser registration requirements — Finance Act 2026, Part 7, Schedule 20. Source: legislation.gov.uk.
Duty deferment account guarantee waivers. Source: gov.uk.

Spotted a figure that looks out of date? Tell us. Every figure on this site carries the date we last checked it against the source above, and we'd rather correct it than leave it stale.

The problem with unsourced claims

Most finance sites cite a figure without saying where it came from, which makes it unfalsifiable, you either trust the site or you don't. We'd rather you didn't have to. If a claim on this site can't be traced to something above, treat it as unverified and ask us directly.

Why a conversation, not a form

Most real situations don't map cleanly onto one page. A short conversation tells us more in five minutes than a form can, and it costs nothing to have it. We'll ask what's actually happening in the business, not which product you think you want.

Discuss Your Funding Requirement

What happens next

The process, plainly

Tell us your situation. A short email or call. No form to fill in first, no facility to pick in advance.
We work out what actually fits. Adam reviews it personally against the situations we see most often.
We introduce you to the right specialist partner. We're an introducer, not a lender, so this is a named handoff, not a black box.
No obligation at any point. An indicative answer costs nothing, and you decide whether to go further.

Adam Parker

Compiles and reviews the facility data on this site · a career in invoice finance and SME lending.

Established Finance is a trading name of Muswell Rose Consulting Ltd (Companies House 15269776). We are an introducer, not a lender or broker, and work with a named regulated partner for regulated activity.

Reviewed 05 Aug 2026

Practical questions

Before you get in touch

Does it cost anything?

No. There's no charge to describe your situation and get an indicative answer.

What happens after I contact you?

Adam reviews your situation personally, works out what’s likely to fit, and introduces you to a named regulated partner if it’s something we can help with. No automated routing, no call centre.

How long does it take?

It varies by facility, not a single number we can put on a page honestly. Some drawdowns against an existing facility complete within a day or two; arranging something new from scratch usually takes longer. We'll give you a realistic timeline once we understand your situation.

What information do I need?

To start, just a description of what’s actually happening in the business. If it progresses, the specialist partner will ask for the usual things: recent accounts, a sense of turnover and trading history, and details of the specific need.

Are you a lender?

No. Established Finance is a trading name of Muswell Rose Consulting Ltd, an introducer. We work with named regulated partners who handle the regulated activity.

What if I don't know which facility I need?

That's normal, most people don't. Describe the situation, not the product, and we'll work out what fits.

Am I under any obligation?

No, at any stage. An indicative answer, and even a full introduction, don’t commit you to anything.

Tell us what's actually happening in the business. We'll tell you honestly whether it's something we can help with.

Discuss Your Funding Requirement