Insights & Guidance.
A library of articles, comparisons, and explainers on SME funding and cash flow. Written for owners, finance directors, accountants, and advisors who want substance, not summaries.
Everything here is free to read, free to share, and updated as the market changes.
CategoriesFour ways into the library.
Funding products
What each product is, how it works, what it costs, and when it's the wrong fit. Use these when you know the product you're considering.
Comparisons
Direct, side-by-side analysis where two products are commonly weighed against each other. Use these when you're choosing between options.
Cash flow & working capital
The mechanics of cash inside a business — forecasting, terms, collections, supplier negotiation. Use these when the question is broader than "what funding do I take?".
Opinion & analysis
Considered views on how the SME funding market is evolving — pricing, regulation, lender behaviour, the parts of the industry that don't get talked about.
In the library now.
Why business funding still feels harder than it should.
SME funding has more capital, more lenders and more technology than ever. Borrowers still feel the process is broken. Why.
What does the future hold for business funding?
Embedded finance, AI underwriting, regulation, new lender classes — what to expect over the next five years.
Funding is not failure: why good businesses use finance.
External funding is too often read as evidence something has gone wrong. The opposite is usually true.
Invoice finance vs business overdraft: which is actually cheaper?
Invoice finance and overdrafts solve different problems. Headline rates rarely settle which is cheaper.
Business cash flow funding explained in plain English.
What it actually is, when it helps, when it doesn't, and how to think about cost — written in plain English.
Why lenders ask so many questions before approving funding.
What lenders are really checking, and how to answer without losing your patience or your deal.
Complexity is killing financial products.
Why financial products feel deliberately confusing — and what good simplification actually looks like.
On the editorial pipeline.
- Why most merchant cash advances cost more than the headline rate suggests
- How to read a 13-week cash flow forecast — and what to fix when it tells you something is wrong
- Bridging finance: when speed is worth the cost, and when it isn't
- Asset-based lending explained, without the jargon
- The hidden cost of customer concentration in invoice finance facilities
- How to negotiate longer supplier terms without damaging the relationship
- Term loan vs revolving credit: the right tool for the job
- Trade finance for first-time importers: what your bank won't explain
- Personal guarantees: what they really mean, and how to limit them
- When a CBILS or RLS legacy loan is quietly capping your next facility
- Why "1.2% all-in" almost never means 1.2%
- Supplier finance vs invoice finance: opposite ends of the same problem
- Cash flow red flags every founder should be tracking weekly
- How lenders actually decide — what underwriters look at, and what they ignore
Who writes for Juno.
Articles are written by experienced operators — finance directors, ex-lenders, and advisors who've worked inside SMEs. Bylines are real. Where an article reflects a single author's view rather than a settled position, we say so.
We don't take guest posts from lenders, brokers, or PR teams.