UK B2B Credit Digest
Bought, not broken: a motor-finance bill is redrawing who owns SME credit
A motor-finance bill put an SME bank on the block while merchant volumes fell 5.8%.
UK B2B Credit Digest
Nine hundred letters: the FCA turns to the lenders it doesn’t regulate
The FCA stepped up scrutiny of unregulated lenders the week FLA data showed non-banks writing 41% of members’ new finance.
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Three votes to hike: the lending boom just got a higher price tag
Institutional capital committed $1.5bn to SME lending the same week the Bank signalled rates stay higher for longer.
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Sixty days, no opting out: Westminster rewrites the terms of trade credit
Westminster will legislate 60-day payment terms and mandatory interest — the biggest rewrite of UK trade credit rules in a generation.
UK B2B Credit Digest
The week Westminster widened SME credit — into an economy still contracting
Mansion House week widened SME credit supply — a £6.5bn BBB package, ten-year guarantee terms, a bank-capital review — while the private market added record facilities (Capital on Tap £750m, Funding Circle £900m). It all flows into a real economy that keeps contracting.
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More capital to lend, less economy to lend into
The constraint on UK B2B credit just moved: capital is no longer the limit on lending — underwriting judgment is.
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Credit keeps flowing, the risk keeps building
This week's UK B2B credit signal: credit supply is loosening while receivables risk is rising.
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Activity turns down while pricing turns back: the squeeze that the insolvency print still won’t show 🤷♂️
UK B2B credit and lending news digest, 21–27 June 2026 Summary UK private-sector activity tipped into contraction this week. The flash S&P Global UK Services PMI fell to 48.7 in June from 49.3 in May — a second straight month below 50 and the steepest
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UK credit signals point to challenger growth and specialist lending friction
UK B2B credit and lending news digest, 17–23 May 2026 Opening Summary The British Business Bank confirmed a £350m ENABLE Guarantee with Allica Bank, including Sona Asset Management as another investor, to unlock up to £700m of SME asset-finance lending.¹ This is the week’s clearest credit-supply
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Alt-lenders now lead UK SME credit as risk signals diverge
UK B2B Credit and Lending News Digest 10–16 May 2026 – Covering 10–16 May 2026. Summary Funding Circle’s 2025 Economic Impact Report, produced with Oxford Economics, confirmed that alternative providers and challenger banks now account for 68% of UK SME lending, making the Big Four the structural minority.
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Banks adjust to a slower economy while credit remains open
UK B2B Credit Intelligence Digest — 3–9 May 2026 Summary The Construction Products Association cut its UK construction forecast to −2.5% for 2026, its biggest single downgrade on record, and the April construction PMI collapsed to 39.7 (from 45.6 in March). Two things to watch underneath the
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UK credit & lending weekly digest
Risk moves off bank balance sheets — toward directors, suppliers and specialist finance — Covering 19–25 April 2026 · Published Tuesday 28 April 2026 Summary This week’s credit signal is fragmentation, not uniform tightening. Banks are still competing on mortgage pricing, while SME risk is surfacing through director guarantees, supplier payment