# The Business Hub > The Business Hub Limited is a UK SME consultancy and credit broker, helping > small and medium-sized businesses compare and source business mobiles, business > phone systems, broadband, IT managed services, business insurance, business > energy and commercial finance — including UK government-backed loans through > the Growth Guarantee Scheme. Trading as "The Business Hub" and a part of The > Business Hub Group Limited. The Business Hub acts as a credit broker (not a lender) for finance products and as an introducer/specialist for telecoms, IT and energy services. We do not charge fees to UK SMEs for finance enquiries; we may receive commission from lenders, networks or carriers when a customer places business through us. UK SMEs use The Business Hub to: - Compare unsecured business loans, secured loans, asset finance, invoice finance, merchant cash advances and the UK government-backed Growth Guarantee Scheme. - Compare business mobile contracts and networks (EE, O2, Vodafone, Three). - Source business broadband, leased lines and full-fibre connectivity. - Buy or upgrade VoIP/cloud business phone systems. - Procure IT-managed services, cyber-security and Microsoft 365 support. - Compare business energy contracts and business insurance products. ## Commercial finance - [Commercial Finance overview](https://thebusinesshub.co.uk/commercial-finance/): Master overview of every type of UK SME funding we broker — unsecured loans, secured loans, MCAs, the Growth Guarantee Scheme, asset finance and invoice finance. - [Growth Guarantee Scheme (GGS)](https://thebusinesshub.co.uk/growth-guarantee-scheme/): UK Government-backed loans up to £2m via the British Business Bank — successor to the Recovery Loan Scheme. 70% lender guarantee, terms up to 6 years, supports term loans, overdrafts, asset finance, invoice finance and asset-based lending. - [Unsecured Business Loans (UK)](https://thebusinesshub.co.uk/unsecured-business-loans/): Pillar page on UK unsecured business loans £5k–£500k. No property security, fixed monthly repayments, decisions in 24–48 hours, comparison of 250+ UK lenders. - [Merchant Cash Advance Funding](https://thebusinesshub.co.uk/merchant-cash-advance/): Pillar page on UK merchant cash advances. Repaid as a small percentage of daily card sales — flexible funding for retail, hospitality and e-commerce SMEs. ## Unsecured business loans — helper articles - [Unsecured Business Loan Calculator](https://thebusinesshub.co.uk/unsecured-business-loan-calculator/): Estimate monthly repayments, interest and total cost of credit for a UK unsecured business loan. - [Unsecured Business Loan Lenders UK](https://thebusinesshub.co.uk/unsecured-business-loan-lenders-uk/): Directory and comparison of major UK unsecured business loan lenders, direct lenders vs brokers, and how the best UK unsecured loans get matched. - [Unsecured Business Loan Rates & APR](https://thebusinesshub.co.uk/unsecured-business-loan-rates-apr/): Typical UK rates from 6%–25% APR, fixed vs variable, fees, term lengths and the true cost of credit on UK unsecured business loans. - [Unsecured Business Loans for Startups & New Businesses](https://thebusinesshub.co.uk/unsecured-business-loans-for-startups/): Start-up loans, new-business unsecured options, the British Business Bank Start Up Loan, and lenders that fund first-time UK founders. - [Unsecured Business Loans for Sole Traders & Self-Employed](https://thebusinesshub.co.uk/unsecured-business-loans-for-sole-traders/): How sole traders, freelancers and self-employed UK applicants are underwritten, what evidence to provide and which UK lenders accept them. - [Unsecured Business Loans with No Personal Guarantee](https://thebusinesshub.co.uk/unsecured-business-loans-no-personal-guarantee/): Where to find genuine no-PG unsecured business loans in the UK, the criteria, the trade-offs and how directors limit personal liability. - [Unsecured Business Loans with Bad Credit, CCJs & Defaults](https://thebusinesshub.co.uk/unsecured-business-loans-bad-credit/): UK lenders for businesses with CCJs, defaults or limited credit; what happens if you default; rebuilding lender trust. - [Secured vs Unsecured Business Loans](https://thebusinesshub.co.uk/secured-vs-unsecured-business-loans/): Side-by-side comparison of secured and unsecured UK business loans — security required, typical size, APR, speed, term length and which is right for which business. ## Merchant cash advance — helper articles - [Merchant Cash Advance Calculator](https://thebusinesshub.co.uk/merchant-cash-advance-calculator/): Estimate factor rates, daily holdback and total payback on a UK merchant cash advance before applying. - [Merchant Cash Advance Lenders, Direct Lenders & Brokers UK](https://thebusinesshub.co.uk/merchant-cash-advance-lenders-uk/): UK MCA lender directory, direct vs broker, how to choose the right MCA provider for your card-based SME. - [Merchant Cash Advance Rates, Factor Rates & APR](https://thebusinesshub.co.uk/merchant-cash-advance-rates-apr-cost/): How MCA pricing works — factor rates explained, equivalent APR, holdback percentages and the total cost of capital. - [Merchant Cash Advance for Retail, E-commerce & Startups](https://thebusinesshub.co.uk/merchant-cash-advance-retail-ecommerce/): MCA structures suited to UK retail, online sellers and early-stage businesses with card revenue. - [Merchant Cash Advance for Pubs, Bars, Restaurants & Hospitality](https://thebusinesshub.co.uk/merchant-cash-advance-pubs-restaurants-hospitality/): How MCAs work for the UK hospitality sector, including seasonality, typical advance sizes and lender appetite. - [Merchant Cash Advance from Card Acquirers (Stripe, Worldpay, Dojo, Square)](https://thebusinesshub.co.uk/merchant-cash-advance-providers-uk/): Comparison of MCA-style products offered direct by Stripe, Worldpay, Dojo and Square, vs broker-led MCAs. - [Merchant Cash Advance with Bad Credit / No Credit Check](https://thebusinesshub.co.uk/merchant-cash-advance-bad-credit-no-credit-check/): What "bad-credit MCA" really means in the UK, what underwriters check, and which lenders accept adverse credit profiles. - [Merchant Cash Advances for Seasonal Businesses](https://thebusinesshub.co.uk/merchant-cash-advances-for-seasonal-businesses/): How MCAs flex with revenue for seasonal UK businesses (tourism, hospitality, garden centres, etc.). ## Telecoms & connectivity - [Business Mobile](https://thebusinesshub.co.uk/business-mobile/): SIM-only plans, business handsets and mobile contracts on EE, O2, Vodafone and Three for UK SMEs. - [Business Phone System](https://thebusinesshub.co.uk/business-phone-system/): Cloud / VoIP business phone systems, hosted PBX and Microsoft Teams Phone for UK SMEs. - [Broadband](https://thebusinesshub.co.uk/broadband/): Business broadband, full-fibre and leased lines for UK offices, retail and multi-site organisations. ## IT, insurance & other business services - [IT Managed Services](https://thebusinesshub.co.uk/it-managed-services/): UK SME IT support, Microsoft 365, cloud, networking, cyber-security and managed-IT services. - [Business Insurance](https://thebusinesshub.co.uk/business-insurance/): Public liability, employer's liability, professional indemnity, cyber and other UK SME insurance lines. - [Keyman Insurance](https://thebusinesshub.co.uk/keyman-insurance/): UK keyman / key-person protection insurance — corporate-owned life and critical illness cover on directors and essential employees, with quotes from Aviva, Legal & General, LV=, Royal London, Vitality, Zurich and Scottish Widows. - [Keyman Protection](https://thebusinesshub.co.uk/keyman-protection/): Key-person and shareholder-protection insurance for UK businesses dependent on a small number of individuals. - [Web Design & Build](https://thebusinesshub.co.uk/web-design-build/): Website and digital build services for UK SMEs. ## Keyman insurance — helper articles - [What Is Keyman Insurance?](https://thebusinesshub.co.uk/what-is-keyman-insurance/): Plain-English UK 2026 guide to what keyman insurance is, how it works, who it covers, what it costs and how it differs from personal life insurance. - [Keyman Insurance UK Cost 2026](https://thebusinesshub.co.uk/keyman-insurance-uk-cost-2026/): Real 2026 UK premium ranges by age, cover and smoker status, with worked examples for £250k, £500k and £1m of cover. - [How to Get a Keyman Insurance Quote (UK)](https://thebusinesshub.co.uk/how-to-get-keyman-insurance-quote-uk/): The 5-step UK process for getting an accurate quote, what insurers ask, and how to avoid load-on errors. - [Keyman Insurance & Corporation Tax](https://thebusinesshub.co.uk/keyman-insurance-corporation-tax/): UK 2026 deductibility under HMRC's Anderson principles — when premiums reduce taxable profit and when payouts are taxable. - [Keyman Insurance Policy Explained](https://thebusinesshub.co.uk/keyman-insurance-policy-explained/): Inside a UK keyman policy — parties, term, sum assured, cover types, premium types, exclusions and the claim process. - [Best Keyman Insurance UK 2026](https://thebusinesshub.co.uk/best-keyman-insurance-uk-2026/): 2026 UK insurer comparison by price, claims-paid percentage, underwriting flexibility and policy features. - [Best Keyman Insurance Policies for UK SMEs](https://thebusinesshub.co.uk/best-keyman-insurance-policies-sme/): Recommended policy structures by SME profile, sector and risk. - [Best Keyman Insurance Providers UK 2026](https://thebusinesshub.co.uk/best-keyman-insurance-providers-uk-2026/): Provider-by-provider review of Aviva, Legal & General, LV=, Royal London, Vitality, Zurich, Scottish Widows. - [Key Person Protection vs Keyman Insurance](https://thebusinesshub.co.uk/key-person-protection-vs-keyman-insurance/): Same product, different name — terminology, structure and when each phrase is used. - [Key Person Income Protection (UK)](https://thebusinesshub.co.uk/key-person-income-protection-uk/): The income-replacement cousin to lump-sum keyman cover — pays the business a monthly income during long-term incapacity. - [Key Person Protection for Limited Companies](https://thebusinesshub.co.uk/key-person-protection-insurance-limited-companies/): UK 2026 guide for company-owned protection — board approval, premium tax treatment, integration with bank loans and personal guarantees. - [How Much Keyman Cover Do You Need?](https://thebusinesshub.co.uk/how-much-keyman-cover-do-you-need/): Three industry-standard methods (multiple of salary, gross profit contribution, debt) with worked UK examples. - [Keyman Insurance by Business Type](https://thebusinesshub.co.uk/keyman-insurance-by-business-type/): How keyman insurance differs for sole traders, ordinary partnerships, LLPs and limited companies. ## Sole trader & business insurance — helper articles - [Sole Trader Insurance UK 2026](https://thebusinesshub.co.uk/sole-trader-insurance-uk-2026/): The complete 2026 cover stack for UK sole traders — public liability, professional indemnity, employer's liability, income protection and life cover. - [Public Liability Insurance for Sole Traders UK 2026](https://thebusinesshub.co.uk/public-liability-insurance-sole-traders-uk-2026/): Cost ranges for £1m / £2m / £5m cover by trade, what is and isn't covered, and how to compare quotes. ## Resources & blog - [Resources & Articles](https://thebusinesshub.co.uk/category/resources-articles/): The Business Hub blog and resources hub — long-form guides on finance, telecoms, IT and SME operations. - [Best iPhone for Business Users 2026](https://thebusinesshub.co.uk/best-iphone-for-business-users-2026-the-master-guide/): Master guide to choosing an iPhone for UK business use in 2026. - [Best Business Mobile Networks UK 2026](https://thebusinesshub.co.uk/best-business-mobile-networks-uk-2026-full-comparison/): Full comparison of EE, O2, Vodafone and Three for UK SMEs. - [How to Get a Business PAC Code](https://thebusinesshub.co.uk/how-to-get-a-business-pac-code-the-complete-uk-sme-guide/): Complete UK SME guide to porting a business mobile number with a PAC code. - [How to Move Your Business Mobile Network](https://thebusinesshub.co.uk/how-to-move-your-business-mobile-network-a-2026-guide-for-uk-smes/): 2026 step-by-step guide to switching UK business mobile networks. - [How to Cancel an EE Business Mobile Contract](https://thebusinesshub.co.uk/how-to-cancel-an-ee-business-mobile-contract-the-complete-sme-guide/): Complete UK SME guide to ending an EE business mobile agreement. - [How to Cancel a Three Business Mobile Contract](https://thebusinesshub.co.uk/how-to-cancel-a-three-business-mobile-contract-the-complete-sme-guide/): Complete UK SME guide to ending a Three business mobile agreement. - [Are You Overpaying for Business Mobiles?](https://thebusinesshub.co.uk/are-you-overpaying-for-business-mobiles-a-quick-guide-to-spotting-hidden-costs/): Hidden costs and overcharges in UK business mobile contracts and how to spot them. - [How to Choose the Right VoIP Setup for Your Team](https://thebusinesshub.co.uk/how-to-choose-the-right-voip-setup-for-your-team/): Choosing the right VoIP / cloud phone system for a UK SME. - [The Full Fibre Future: Ofcom Final Phase Rollout](https://thebusinesshub.co.uk/the-full-fibre-future-what-ofcoms-final-phase-rollout-means-for-uk-businesses/): What Ofcom's final-phase full-fibre rollout means for UK businesses. - [SME Cyber Risk Checklist](https://thebusinesshub.co.uk/sme-cyber-risk-checklist-protect-your-business-from-phishing/): How UK SMEs should protect themselves from phishing emails and cyber attacks. ## About & support - [About The Business Hub](https://thebusinesshub.co.uk/about/): Company, mission and team behind The Business Hub Group Limited. - [Contact Us](https://thebusinesshub.co.uk/contact-us/): Phone, email and contact form for UK SMEs. - [How does it work?](https://thebusinesshub.co.uk/how-does-it-work/): How our enquiry, comparison and onboarding process works. - [Services overview](https://thebusinesshub.co.uk/services/): All services The Business Hub offers UK SMEs. - [Testimonials](https://thebusinesshub.co.uk/testimonial/): UK SME customer testimonials. ## Optional - [Sitemap (XML)](https://thebusinesshub.co.uk/sitemap_index.xml): Complete machine-readable Yoast XML sitemap of every indexed URL. - [Privacy Policy](https://thebusinesshub.co.uk/privacy-policy/): How The Business Hub handles personal data. - [Cookies Policy](https://thebusinesshub.co.uk/cookies-policy/): How The Business Hub uses cookies. - [Terms & Conditions](https://thebusinesshub.co.uk/terms-conditions/): Terms of use for thebusinesshub.co.uk.