The Hunt for Fresh Capital

The way forward for British borrowers in 2019 


20% of companies were declined a loan by their bank in 2018. Has your business growth been held back as a result of a lack of funding?

In 2018, the banking industry was mired in uncertainty, and businesses are only now feeling the consequences. Banks promised to be by your side, but our survey suggests they are now locking their vaults to one in five businesses that need a loan.  

We hear that banks have postponed all decisions on new sub-£10m loans until after 29 March 2019. And back in October 2018, Parliament's powerful Treasury Select Committee castigated banks for their "scandalous" treatment of small businesses, highlighting the case of RBS' Global Restructuring Group, which purposefully pushed firms to the brink of collapse in the hope of picking up their assets on the cheap. Enter 2019, and with a no-deal Brexit looking ever more likely - British enterprise fights on. 

To understand the 2019 reality for businesses, ArchOver commissioned in-depth research into the state of business lending in the UK in 2018.    

To find out more about ArchOver, visit our website or register on our platform

ArchOver connects businesses requiring finance with investors seeking a secure and favourable return

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Risk Warning - Please Read

Lenders: Your capital is at risk and interest payments are not guaranteed if the borrower defaults. Historic loan default rates are not necessarily indicative of future default rates. Lending over the ArchOver platform is not covered by the Financial Services Compensation Scheme. The current average return is based on the total amount raised over the platform. It is the result of calculating the average Lender return, before tax, of every loan funded over the ArchOver platform, 22 August 2014 to 28th November 2017. Borrowers: In the event of default ArchOver will seek to recover assets to the full value of the loan. For more information about the risks involved please read the full Risk Warning.