I need money but don't know my optionsThe debt landscape is complex and fluid and riddled with acronyms. Its a blackbox that seems never to have been intended to be understood. Consequently, SME business owners have difficulty matching their requirements with the pros and cons of what is available and from whom

My funder doesn't understand my business70% of the lending market is served by the high-street banks, monumental institutions with tens of thousands of people within. The banks are built to distribute money and dont have the will or means to understand the often changing circumstances of their clients. This often leads to no contact in the good times and over-reaction or failure to act in difficult times.

How do I know my deal is the best available?In a market underpinned by complexity, limited transparency and no obvious means of comparing providers and products easily, ascertaining what the best and worst deal available to a borrower is fiendishly difficult to comprehend and yet the wrong choice could cost great sums and have great consequences on what a business can or cannot achieve.

Whenever I need something my funder is not availableBorrowers often take the deal which feels right at the time from the lender who seems right at the time. But circumstances change and a borrowers requirements can change too. In that circumstance it's important to be with a lender which suits the size, circumstances and aspirations of the borrower, especially in order to receive a timely and supportive decision.

I am paying more than expected for my facilitySince the global financial crash, the regulators have worked hard to ensure regulated lending serves customers with the best outcomes. But not all lending is regulated (almost all business-to-business is not) so how do borrowers understand fully the invariably complex products & documents they are being served and avoid agreeing to facilities which have unintended costs and consequences?