Tools & Data
Data sources
Every figure cited on Established Finance, rates, thresholds, classification stats, comes from a real, named, dated source: the Bank of England, HMRC, Companies House, UK Finance and others, each cited on this page so you can check it yourself rather than take our word for it.
Reviewed by Adam Parker, by name No obligation to talk this through No need to pick a facility first Timeline given after we understand your situation
Why this page exists
We'd rather you check than take our word for it
Every rate, stat and threshold used on this site is sourced below, with the body it comes from and, where relevant, a date. If a figure ever looks out of date, it's here so you can verify it directly rather than trusting a claim on a finance site.
Rates and lending data
- Bank of England base rate — the official policy rate, set by the Monetary Policy Committee. Currently 3.75%, held at the 30 July 2026 decision. Source: Bank of England.
- Business Finance Review (quarterly) — UK lending volumes across invoice finance, asset-based lending, and other commercial facilities. Source: UK Finance.
- Small Business Finance Markets Report (annual) — SME finance usage and access patterns. Source: British Business Bank.
Company and classification data
- Companies Act size thresholds — the official turnover, balance sheet and employee bands for micro, small and medium companies, effective for accounting periods beginning on or after 6 April 2025. Source: gov.uk.
- SIC classification gap — 886,106 UK companies use at least one "not elsewhere classified" SIC code. Source: The Data City, 2023 analysis of Companies House filings.
- Company charges and filings — registered debentures, charges, and accounts. Source: Companies House.
Tax and regulatory sources
- R&D tax relief rules and the merged scheme. Source: HMRC.
- Tax adviser registration requirements — Finance Act 2026, Part 7, Schedule 20. Source: legislation.gov.uk.
- Duty deferment account guarantee waivers. Source: gov.uk.
Spotted a figure that looks out of date? Tell us. Every figure on this site carries the date we last checked it against the source above, and we'd rather correct it than leave it stale.
The problem with unsourced claims
Most finance sites cite a figure without saying where it came from, which makes it unfalsifiable, you either trust the site or you don't. We'd rather you didn't have to. If a claim on this site can't be traced to something above, treat it as unverified and ask us directly.
Why a conversation, not a form
Most real situations don't map cleanly onto one page. A short conversation tells us more in five minutes than a form can, and it costs nothing to have it. We'll ask what's actually happening in the business, not which product you think you want.
Discuss Your Funding Requirement Practical questions
Before you get in touch
Does it cost anything?
No. There's no charge to describe your situation and get an indicative answer.
What happens after I contact you?
Adam reviews your situation personally, works out what's likely to fit, and introduces you to a named regulated partner if it's something we can help with. No automated routing, no call centre.
How long does it take?
It varies by facility, not a single number we can put on a page honestly. Some drawdowns against an existing facility complete within a day or two; arranging something new from scratch usually takes longer. We'll give you a realistic timeline once we understand your situation.
What information do I need?
To start, just a description of what's actually happening in the business. If it progresses, the specialist partner will ask for the usual things: recent accounts, a sense of turnover and trading history, and details of the specific need.
Are you a lender?
No. Established Finance is a trading name of Muswell Rose Consulting Ltd, an introducer. We work with named regulated partners who handle the regulated activity.
What if I don't know which facility I need?
That's normal, most people don't. Describe the situation, not the product, and we'll work out what fits.
Am I under any obligation?
No, at any stage. An indicative answer, and even a full introduction, don't commit you to anything.