There is a clear shift starting to emerge across UK SMEs. Costs are rising. Margins are tightening. Confidence is becoming more cautious. And much of this is being driven by ongoing global disruption, with knock-on effects now being felt across multiple sectors.

We are already seeing:

• Fuel prices increasing rapidly, particularly impacting transport and equipment-heavy businesses

• Supply chain disruption affecting availability and delivery timelines

• Planned capital expenditure being delayed or cancelled

• Stock levels rising as demand softens in certain markets

• Interest rates edging upwards, with lenders tightening their risk appetite

At the same time, renewed focus on late payments is highlighting ongoing cashflow pressures across the SME market.

The UK Government has published its official response to the Department for Business and Trade’s call for evidence on small business access to finance. The review highlights several long-standing challenges for small and medium sized businesses when trying to secure funding. It also outlines the steps the Government will take to widen financial support and improve the way businesses understand and access finance.

As we approach the final stretch of the year, it’s fair to say things at Enduro Finance have moved at pace. Since launching earlier this year, we’ve quietly built a multi-million pound funding pipeline, grown a loyal customer base, and expanded our presence across the UK and Ireland. Now, as we head into the final quarter, we’re stepping it up once again with new faces, new space, and a renewed focus on helping businesses power through the winter months.

In today's competitive landscape, dealers and distributors face the constant challenge of maintaining a robust inventory without overextending their capital. At Enduro Finance, we recognise this hurdle and offer tailored stocking facilities designed to empower your business' growth.

Since our launch in January 2025, Enduro Finance has remained focused on providing transparent, relationship-led financial solutions for businesses across the UK and Ireland. In just four months, we’ve delivered over £8 million in funding, supporting a broad mix of customers with the right products at the right time.

VAT bridging loans for UK real estate acquisitions

Delivering specialist finance tailored to our clients’ specific needs is at the heart of Enduro Finance’s mission, and our new VAT funding facility is a prime example of our innovative solutions in action.

For businesses operating in industries like cranes, container leasing, ports, and maritime, accessing finance can be a challenge. Our new partnership changes that, offering flexible terms, longer repayment periods, and innovative funding structures to support growth and investment in these critical sectors.

At Enduro Finance, we’ve always believed that the strength of our business lies in the people behind it. Although we only began trading at the start of 2025, our ambition has always been clear: to build a finance brokerage that delivers meaningful solutions with integrity, expertise, and a commitment to long-term relationships. As part of this growth, we are thrilled to announce Roberta Maginnis as Sales Director, Ireland.

Launching a business is never straightforward, and the journey to opening Enduro Finance has been one of learning, adapting, and refining our approach. While we’ve only just started trading, the groundwork has been laid over many months, particularly in preparing for the onboarding processes with our funder partners. Now that we’ve begun to see the fruits of those efforts, it’s clear that the timing and support for an ethical and transparent brokerage like ours couldn’t be better.

In today’s fast-paced business landscape, securing asset finance is a critical step for many companies looking to expand operations, acquire new equipment, or strengthen cash flow.

Starting a new business is never without its surprises, but we didn’t expect to launch Enduro Finance in the midst of a regulatory shake-up. When the UK Court of Appeal mandated full commission disclosure for brokers, it sent ripples through the finance industry.