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From: "Funding Circle" <noreply@email.fundingcircle.com>
To: <bob@sarahharvey.com>
Subject: What you need to know for the new tax year
Date: Wed, 18 Feb 2026 08:21:34 -0000
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Your Monthly Toolkit: Get prepared for the new tax year

With the current tax year end in sight, are you ready? Small business owners 
have just over a month to finalise their end-of-year reports, assess their 
financial health and plan for the new tax year. It’s also a key time to 
realise your cash flow and identify any gaps.

To help you prepare, we’ve got cash flow tips and a deep dive into the heavy 
costs of late payments on small businesses, plus advice on how to deal with 
the HR policy changes that come into force from April.

If you’re planning for the new tax year, further finance can help move your 
business forward. Sign in to apply for a loan today.

Sign in to apply






Action on late paymentsFair 
payment isn’t just good practice, it’s essential for small businesses to 
thrive. As a newly accredited Silver Fair Payment Code holder, we explore 
the impact of late payments on SMEs.Why 
it mattersNeed to know: HR policy changes
The first major milestones in the new Employment Rights Act 2025 come into 
force in April, including new laws on sick pay and paternity leave. If you 
employ staff, you’ll want to read this.Stay 
compliant




6 ways to improve short-term cash flowWorried 
about cash flow with tax bills looming? From invoicing tweaks to smart 
finance options, here are our cash flow tips so you can plan ahead with 
confidence.Quick 
tipsNew tax breaks on business assets
If you’re looking to invest in the new tax year, capital allowances could 
save you money. Here we explain how the changes in April could benefit many 
businesses.What’s 
changing?“Absolutely amazing company to deal with! Straightforward application, kept 
me informed at every stage. Money in my account in less than 48 hours”– 
Jennifer, February 2026For Limited Companies and LLPs, we use soft credit searches when you apply 
and a hard credit search will only be run if you choose to accept any loan 
offer you receive. For other company types, a hard credit search will be run 
when you submit your application.

Funding Circle is the UK's largest online small business loans provider. We 
also operate a business credit broker service, working with trusted third 
party finance providers to help support UK businesses access more finance 
options. The asset finance product mentioned in this email is not provided 
directly by Funding Circle Ltd. Subject to an eligibility survey, our team 
will attempt to get in touch with you to help process a referral to any 
applicable and relevant lending partners.

Funding Circle Ltd is authorised and regulated by the Financial Conduct 
Authority under firm registration number 722513. Funding Circle is not 
covered by the Financial Services Compensation Scheme. Registered in England 
(Co. No. 06968588) with registered office at 71 Queen Victoria Street, 
London, EC4V 4AY.
Copyright © 2026 Funding Circle. All rights reserved.

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letter-spacing: -0.3px; padding: 30px;"><strong>Your Monthly Toolkit: =
Get prepared for the new tax year </strong></td> </tr> <tr> <td =
style=3D"padding-bottom: 0px;"> <div class=3D"mfz-16 mlh-22 ltspn-02" =
style=3D"color: #381b50; font-family: 'Inter', Arial, sans-serif; =
font-size: 16px; line-height: 22px; text-align: left; letter-spacing: =
-0.2px;">With the current tax year end in sight, are you ready? Small =
business owners have just over a month to finalise their end-of-year =
reports, assess their financial health and plan for the new tax year. =
It=E2=80=99s also a key time to realise your cash flow and identify any =
gaps.<br><br>To help you prepare, we=E2=80=99ve got cash flow tips and a =
deep dive into the heavy costs of late payments on small businesses, =
plus advice on how to deal with the HR policy changes that come into =
force from April.<br><br>If you=E2=80=99re planning for the new tax =
year, further finance can help move your business forward.&nbsp;<a =
class=3D"link c-purple" =
href=3D"https://link.email.fundingcircle.com/u/click?_t=3Dda5a84ecbd58453=
7a8adf00b00308a34&_m=3Ddb744fb9869646fab61d247055e0f371&_e=3DEdRs0796wZ2u=
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target=3D"_blank"><span class=3D"link c-purple" =
style=3D"text-decoration: underline; color: :#a619c9;"><strong =
class=3D"fw-600" style=3D"font-weight: 600;">Sign in to apply for a =
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btn-16-32 c-white l-white mfz-16 mlh-22" style=3D"font-family: 'Inter', =
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18px; line-height: 24px; mso-padding-alt: 16px 32px; color: #fffffe;"><a =
class=3D"link-tdn c-white" =
href=3D"https://link.email.fundingcircle.com/u/click?_t=3Dda5a84ecbd58453=
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block; padding: 16px 32px; text-decoration: none; color: #fffffe;" =
target=3D"_blank" data-mktcloud-name=3D"Html Link 629970074 Button text" =
data-mktcloud-xt=3D"SPCLICK"> <span class=3D"link-tdn c-white" =
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class=3D"fw-500" style=3D"font-weight: 500;">Sign in to =
apply</strong></span> </a></td> </tr> </tbody> </table> </td> </tr> =
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text-align: left; padding-bottom: 50px;">&nbsp;</td> </tr> </tbody> =
</table> <!-- END Spacer 50-30 --><!-- Newsletter - 2 Columns --> <table =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"> <tbody> =
<tr> <td class=3D"mpx-20" style=3D"padding-left: 40px; padding-right: =
40px;"> <!-- Item Article 1 --> <table border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" width=3D"100%"> <tbody> <tr> <td =
style=3D"padding-bottom: 30px;"> <table border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" width=3D"100%"> <tbody> <tr> <th class=3D"column-top" =
style=3D"font-size: 0pt; line-height: 0pt; padding: 0; margin: 0; =
font-weight: normal; vertical-align: top;" valign=3D"top" width=3D"200"> =
<div class=3D"fluid-img" style=3D"font-size: 0pt; line-height: 0pt; =
text-align: left;"><a =
href=3D"https://link.email.fundingcircle.com/u/click?_t=3Dda5a84ecbd58453=
7a8adf00b00308a34&_m=3Ddb744fb9869646fab61d247055e0f371&_e=3DEdRs0796wZ2u=
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target=3D"_blank"><img alt=3D"Alt copy" border=3D"0" class=3D"bdrs-24" =
height=3D"200" name=3D"Cont_1" =
src=3D"https://library.eu.iterable.com/134/661/8f010975f3a1429d99833b58a7=
1453b7-feb-newsletter-1.png" style=3D"border-radius: 24px;" =
width=3D"200"></a></div> </th> <th class=3D"column" style=3D"font-size: =
0pt; line-height: 0pt; padding: 0; margin: 0; font-weight: normal;"> =
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"> =
<tbody> <tr> <td class=3D"mpt-20 mpx-0" style=3D"padding-left: 30px; =
padding-right: 0px;"> <table border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" width=3D"100%"> <tbody> <tr> <td class=3D"mfz-16 =
mlh-22 ltspn-03" style=3D"color: #381b50; font-family: 'Inter', Arial, =
sans-serif; text-align: left; font-size: 22px; line-height: 28px; =
letter-spacing: -0.3px;"><strong>Action on late payments</strong></td> =
</tr> <tr> <td class=3D"mfz-16 mlh-22 ltspn-02" style=3D"color: #381b50; =
font-family: 'Inter', Arial, sans-serif; text-align: left; font-size: =
16px; line-height: 22px; letter-spacing: -0.2px; padding-top: =
10px;">Fair payment isn=E2=80=99t just good practice, it=E2=80=99s =
essential for small businesses to thrive. As a newly accredited Silver =
Fair Payment Code holder, we explore the impact of late payments on =
SMEs.</td> </tr> <tr> <td class=3D"mfz-16 mlh-22 ltspn-02" =
style=3D"color: #381b50; font-family: 'Inter', Arial, sans-serif; =
text-align: left; font-size: 16px; line-height: 22px; letter-spacing: =
-0.2px; padding-top: 10px;"><a class=3D"link c-purple" =
href=3D"https://link.email.fundingcircle.com/u/click?_t=3Dda5a84ecbd58453=
7a8adf00b00308a34&_m=3Ddb744fb9869646fab61d247055e0f371&_e=3DEdRs0796wZ2u=
x_nLbTSXB5ms1nHeBrOdWMSHNKaK7jzqfSav0FtYVt5dMcq8JTC6coxe3PbxGcTNl4u4dgmxW=
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mo7rCO-DkHQFMyOtFxAu2Em2KF8VIcSPzjqGpjnNfdP72T4wYUJD6nKHYZDschmA0t4tZsho3=
m2W0vLTmQ4SR3RvOVNiIaocmqtjwoAGbzirSBkLbeutBvYww3sowxT1L1HeUs4-dU8pHiG5P-=
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DNM09CdAF7ayXI%3D" name=3D"Article1_Link" rel=3D"noopener" =
style=3D"text-decoration: underline; color: #a619c9;" =
target=3D"_blank"><span class=3D"link c-purple" =
style=3D"text-decoration: underline; color: #a619c9;"><strong =
class=3D"fw-600" style=3D"font-weight: 600;">Why it =
matters</strong></span></a></td> </tr> </tbody> </table> </td> </tr> =
</tbody> </table> </th> </tr> </tbody> </table> </td> </tr> </tbody> =
</table> <!-- END Item Article 1 --><!-- Item Article 2 --> <table =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"> <tbody> =
<tr> <td style=3D"padding-bottom: 30px;"> <table border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"> <tbody> <tr> <th =
class=3D"column-top" style=3D"font-size: 0pt; line-height: 0pt; padding: =
0; margin: 0; font-weight: normal; vertical-align: top;" valign=3D"top" =
width=3D"200"> <div class=3D"fluid-img" style=3D"font-size: 0pt; =
line-height: 0pt; text-align: left;"><a =
href=3D"https://link.email.fundingcircle.com/u/click?_t=3Dda5a84ecbd58453=
7a8adf00b00308a34&_m=3Ddb744fb9869646fab61d247055e0f371&_e=3DEdRs0796wZ2u=
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5M3VMu6inzVxxwej-ceJq1o84nbDhdSJIHvuI4QWkiWBQ3Kg8-99eq4gPTqBpHorDwcl_T8TJ=
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alt=3D"Alt copy" border=3D"0" class=3D"bdrs-24" height=3D"200" =
name=3D"Cont_2" =
src=3D"https://library.eu.iterable.com/134/661/10781dca93c84c6398f490bc06=
aee13f-feb-newsletter-3.png" style=3D"border-radius: 24px;" =
width=3D"200"></a></div> </th> <th class=3D"column" style=3D"font-size: =
0pt; line-height: 0pt; padding: 0; margin: 0; font-weight: normal;"> =
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"> =
<tbody> <tr> <td class=3D"mpt-20 mpx-0" style=3D"padding-left: 30px; =
padding-right: 0px;"> <table border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" width=3D"100%"> <tbody> <tr> <td class=3D"mfz-16 =
mlh-22 ltspn-03" style=3D"color: #381b50; font-family: 'Inter', Arial, =
sans-serif; text-align: left; font-size: 22px; line-height: 28px; =
letter-spacing: -0.3px;"><strong>Need to know: HR policy changes =
</strong></td> </tr> <tr> <td class=3D"mfz-16 mlh-22 ltspn-02" =
style=3D"color: #381b50; font-family: 'Inter', Arial, sans-serif; =
text-align: left; font-size: 16px; line-height: 22px; letter-spacing: =
-0.2px; padding-top: 10px;">The first major milestones in the new =
Employment Rights Act 2025 come into force in April, including new laws =
on sick pay and paternity leave. If you employ staff, you=E2=80=99ll =
want to read this.</td> </tr> <tr> <td class=3D"mfz-16 mlh-22 ltspn-02" =
style=3D"color: #381b50; font-family: 'Inter', Arial, sans-serif; =
text-align: left; font-size: 16px; line-height: 22px; letter-spacing: =
-0.2px; padding-top: 10px;"><a class=3D"link c-purple" =
href=3D"https://link.email.fundingcircle.com/u/click?_t=3Dda5a84ecbd58453=
7a8adf00b00308a34&_m=3Ddb744fb9869646fab61d247055e0f371&_e=3DEdRs0796wZ2u=
x_nLbTSXB5ms1nHeBrOdWMSHNKaK7jzqfSav0FtYVt5dMcq8JTC6iby44c_wk7z-nyAVme55E=
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 name=3D"Article2_Link" rel=3D"noopener" style=3D"text-decoration: =
underline; color: #a619c9;" target=3D"_blank"><span class=3D"link =
c-purple" style=3D"text-decoration: underline; color: #a619c9;"><strong =
class=3D"fw-600" style=3D"font-weight: 600;">Stay compliant =
</strong></span></a></td> </tr> </tbody> </table> </td> </tr> </tbody> =
</table> </th> </tr> </tbody> </table> </td> </tr> </tbody> </table> =
<!-- END Item Article 3 --><!-- Item Article 3 --> <table border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"> <tbody> <tr> <td =
style=3D"padding-bottom: 30px;"> <table border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" width=3D"100%"> <tbody> <tr> <th class=3D"column-top" =
style=3D"font-size: 0pt; line-height: 0pt; padding: 0; margin: 0; =
font-weight: normal; vertical-align: top;" valign=3D"top" width=3D"200"> =
<div class=3D"fluid-img" style=3D"font-size: 0pt; line-height: 0pt; =
text-align: left;"><a =
href=3D"https://link.email.fundingcircle.com/u/click?_t=3Dda5a84ecbd58453=
7a8adf00b00308a34&_m=3Ddb744fb9869646fab61d247055e0f371&_e=3DEdRs0796wZ2u=
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2aRysom9wB8ifY%3D" name=3D"Article3_image" rel=3D"noopener" =
target=3D"_blank"><img alt=3D"Alt copy" border=3D"0" class=3D"bdrs-24" =
height=3D"200" name=3D"Cont_3" =
src=3D"https://library.eu.iterable.com/134/661/5618d09863ec47f0b056303a03=
5a4f0a-feb-newsletter-6.png" style=3D"border-radius: 24px;" =
width=3D"200"></a></div> </th> <th class=3D"column" style=3D"font-size: =
0pt; line-height: 0pt; padding: 0; margin: 0; font-weight: normal;"> =
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"> =
<tbody> <tr> <td class=3D"mpt-20 mpx-0" style=3D"padding-left: 30px; =
padding-right: 0px;"> <table border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" width=3D"100%"> <tbody> <tr> <td class=3D"mfz-16 =
mlh-22 ltspn-03" style=3D"color: #381b50; font-family: 'Inter', Arial, =
sans-serif; text-align: left; font-size: 22px; line-height: 28px; =
letter-spacing: -0.3px;"><strong>6 ways to improve short-term cash =
flow</strong></td> </tr> <tr> <td class=3D"mfz-16 mlh-22 ltspn-02" =
style=3D"color: #381b50; font-family: 'Inter', Arial, sans-serif; =
text-align: left; font-size: 16px; line-height: 22px; letter-spacing: =
-0.2px; padding-top: 10px;">Worried about cash flow with tax bills =
looming? From invoicing tweaks to smart finance options, here are our =
cash flow tips so you can plan ahead with confidence.</td> </tr> <tr> =
<td class=3D"mfz-16 mlh-22 ltspn-02" style=3D"color: #381b50; =
font-family: 'Inter', Arial, sans-serif; text-align: left; font-size: =
16px; line-height: 22px; letter-spacing: -0.2px; padding-top: 10px;"><a =
class=3D"link c-purple" =
href=3D"https://link.email.fundingcircle.com/u/click?_t=3Dda5a84ecbd58453=
7a8adf00b00308a34&_m=3Ddb744fb9869646fab61d247055e0f371&_e=3DEdRs0796wZ2u=
x_nLbTSXB5ms1nHeBrOdWMSHNKaK7jzqfSav0FtYVt5dMcq8JTC6Ds6vUqEv_KgXqjYRnrFep=
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PyiNQLX6zZuP_CJYfH7vgBzRZadFtECilJkswa57qZipCYOHFnwTNeNnolqruLXjqm5fYVH_2=
pZzb_w-8N6K6cBW-jsxRpSIqZ_P32bUwcENhba5cFm8-nVp7H0B9LZHx1MHQOcr6cnCwEdspx=
iGjdbpc25YvCQ0DocsUoGDHG9HaLm4OP9iaEtgVECvbPbdCCsg0pWWVO5GtUiOqaGaXjKTfRf=
J5O0Urb5PlgPF3V4TT_CE7mWGBYMskGvW0L6AzCNLXEZwvfvJCoU4LQjKauzfdj4pT5aX2IKW=
xpfQvc7gWW2D-wJtpN-3DxEZ6r7EwCCW9IBjtxkalscC6f38kRhZzL9ACjvPjWVQRS4neyEMl=
NPhv00vT43Qn4Pjs4bZMtiO_lQXqhLbn_yTJHUsyFVwaoRd-nhjwGEPlyKD7S7ylm59MXO6B_=
sg85-q1RvoxPBwYzyiXtkwHcSIVmLQECy0kFBv32ejl22gL4yBaCC84nW4h_519aaxonxMcQA=
dZnkwDV12yeRTY%3D" name=3D"Article3_Link" rel=3D"noopener" =
style=3D"text-decoration: underline; color: #a619c9;" =
target=3D"_blank"><span class=3D"link c-purple" =
style=3D"text-decoration: underline; color: #a619c9;"><strong =
class=3D"fw-600" style=3D"font-weight: 600;">Quick =
tips</strong></span></a></td> </tr> </tbody> </table> </td> </tr> =
</tbody> </table> </th> </tr> </tbody> </table> </td> </tr> </tbody> =
</table> <!-- END Item Article 2 --><!-- Item Article 4 --> <table =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"> <tbody> =
<tr> <td style=3D"padding-bottom: 30px;"> <table border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"> <tbody> <tr> <th =
class=3D"column-top" style=3D"font-size: 0pt; line-height: 0pt; padding: =
0; margin: 0; font-weight: normal; vertical-align: top;" valign=3D"top" =
width=3D"200"> <div class=3D"fluid-img" style=3D"font-size: 0pt; =
line-height: 0pt; text-align: left;"><a =
href=3D"https://link.email.fundingcircle.com/u/click?_t=3Dda5a84ecbd58453=
7a8adf00b00308a34&_m=3Ddb744fb9869646fab61d247055e0f371&_e=3DEdRs0796wZ2u=
x_nLbTSXB5ms1nHeBrOdWMSHNKaK7jzqfSav0FtYVt5dMcq8JTC65mXdhVxSx4_UrYqlyoa9p=
nT8g6zt0HR9YkWdvI07F2oMwH9h8ohwermA-4If7e03X16ewWOJRu54bScuX_698l4JHdAbMO=
YI1P1sbd-DCzDCWgTiEM4TTA6ymk-I8Wb1_f8tMYNTYJnJ84-IhixPxNTm388GZnPBeS2V-0q=
pB3ZN79QzhOU62gvjyMLpuPnJNqwnGeXsA7zRqauxnxsDDyW0a4s9lG9aCORjp-HV1VdOOpDm=
Cjk-1ClhvDd04snreHXv1eRmhZoJidDmF1_lnD8r_F0HOEEVlqGJtfkplEQ8S_OVwLRIb839N=
nuzTePHnfUCnx3iPju-Sj0oi2LOvAIZoMpvngkB8ClU_qmTbGbH0onss3lIGZ4aB5NYHGFWHy=
bB6oY3GiVkUKzeN7SPdh6S2QImX5xntEWCTnHG5JX2zE2CQobc5T_5Vp71_Ue7yldtMeqjXtA=
d7wVGJuCM3sfSaP7hKBKRxamrHT8niMxisDta2T6ZrRvxJVC79KQntzO9KVcnOfzL9romF_5z=
LngQcwQ5cwCzrhdxChs7ZJTjA8KPKt0AGqZWZ4NJMkp4" name=3D"Article4_image" =
rel=3D"noopener" target=3D"_blank"><img alt=3D"Alt copy" border=3D"0" =
class=3D"bdrs-24" height=3D"200" name=3D"Cont_4" =
src=3D"https://library.eu.iterable.com/134/661/0c0c3a06eff6431f924254f59f=
6139f0-feb-newsletter-5.png" style=3D"border-radius: 24px;" =
width=3D"200"></a></div> </th> <th class=3D"column" style=3D"font-size: =
0pt; line-height: 0pt; padding: 0; margin: 0; font-weight: normal;"> =
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"> =
<tbody> <tr> <td class=3D"mpt-20 mpx-0" style=3D"padding-left: 30px; =
padding-right: 0px;"> <table border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" width=3D"100%"> <tbody> <tr> <td class=3D"mfz-16 =
mlh-22 ltspn-03" style=3D"color: #381b50; font-family: 'Inter', Arial, =
sans-serif; text-align: left; font-size: 22px; line-height: 28px; =
letter-spacing: -0.3px;"><strong>New tax breaks on business =
assets</strong></td> </tr> <tr> <td class=3D"mfz-16 mlh-22 ltspn-02" =
style=3D"color: #381b50; font-family: 'Inter', Arial, sans-serif; =
text-align: left; font-size: 16px; line-height: 22px; letter-spacing: =
-0.2px; padding-top: 10px;">If you=E2=80=99re looking to invest in the =
new tax year, capital allowances could save you money. Here we explain =
how the changes in April could benefit many businesses.</td> </tr> <tr> =
<td class=3D"mfz-16 mlh-22 ltspn-02" style=3D"color: #381b50; =
font-family: 'Inter', Arial, sans-serif; text-align: left; font-size: =
16px; line-height: 22px; letter-spacing: -0.2px; padding-top: 10px;"><a =
class=3D"link c-purple" =
href=3D"https://link.email.fundingcircle.com/u/click?_t=3Dda5a84ecbd58453=
7a8adf00b00308a34&_m=3Ddb744fb9869646fab61d247055e0f371&_e=3DEdRs0796wZ2u=
x_nLbTSXB5ms1nHeBrOdWMSHNKaK7jzqfSav0FtYVt5dMcq8JTC65mXdhVxSx4_UrYqlyoa9p=
nT8g6zt0HR9YkWdvI07F2oMwH9h8ohwermA-4If7e03X16ewWOJRu54bScuX_698l4JHdAbMO=
YI1P1sbd-DCzDCWgTiEM4TTA6ymk-I8Wb1_f8tMYNTYJnJ84-IhixPxNTm388GZnPBeS2V-0q=
pB3ZN79QzhOU62gvjyMLpuPnJNqwnGeXsA7zRqauxnxsDD17XLAsZ8X-KyMAe4UdtMF1VP204=
FR4Lf_alEI2elKhEP8WYOZ4Fjp0rSowf8MIGTxK1m8MNhW7_40wzVxM0fN-1Y40tVfEPn4uGA=
S5pjXslE9_oZNyoUuofnoW76OuSrV255J7jLM_aeNuWwDBfIcKWjH4g3owDYEHx3GzlsG3VH6=
8Xyy2nUj91xUGYeKoGsmTD8dupiWYBKscjH4f4I3ONZrJn6Cj5IDPf2ET__F3QSgCbpr1JV8Z=
sf6wG7cxtQ2ol4pJZogFwXp9XD8DflP5hH9xlZ__FbmPiwqUolQ5E7aZilKW4x3PO1V2wmrs-=
qasZurJnvngVKnubYSG68xjuE62FdfPaqUaK2fKwSEzU" name=3D"Article4_Link" =
rel=3D"noopener" style=3D"text-decoration: underline; color: #a619c9;" =
target=3D"_blank"><span class=3D"link c-purple" =
style=3D"text-decoration: underline; color: #a619c9;"><strong =
class=3D"fw-600" style=3D"font-weight: 600;">What=E2=80=99s =
changing?</strong></span></a></td> </tr> </tbody> </table> </td> </tr> =
</tbody> </table> </th> </tr> </tbody> </table> </td> </tr> </tbody> =
</table> <!-- END Item Article 4 --></td> </tr> </tbody> </table> <!-- =
END Newsletter - 2 Columns --><!-- Spacer 50-30 --> <table border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"> <tbody> <tr> <td =
class=3D"mpb-30" style=3D"font-size: 0pt; line-height: 0pt; text-align: =
left; padding-bottom: 30px;">&nbsp;</td> </tr> </tbody> </table> <!-- =
END Spacer 50-30 --><!-- Image Fullwidth --> <table border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"> <tbody> <tr> <td =
class=3D"fluid-img" style=3D"font-size: 0pt; line-height: 0pt; =
text-align: left;"><a =
href=3D"https://link.email.fundingcircle.com/u/click?_t=3Dda5a84ecbd58453=
7a8adf00b00308a34&_m=3Ddb744fb9869646fab61d247055e0f371&_e=3DEdRs0796wZ2u=
x_nLbTSXB5ms1nHeBrOdWMSHNKaK7jyiVPYFECDcLCIwGRnYhVeySSf7RRK26coJB-Q1N9i2r=
Sz3IoJMKGwbHy_X5In0NOPhWIdcrQGvS_YTJdDfucorVGsfOFnOFXyzn3X6UWkjsp3pEAMS8d=
XgoaNYiUOCMue7xwrRBH9roNm9XF6fk91N56glmLj3c_yqocvnOpX2u427lMQ14Lvn2rQTYl5=
lvEBO0Tc9YVj58RPw6nYjuv169hXR_pM7OmsjHFYycP8Zpqsfd-plbjhJXEywiwdiBey0ckq6=
PHoVpKkEcE7gBvbBU2dm-sLj0w9QJ97LD1I0GIHxworluxkjjIs18up9bhJnKeFpRDgXg_wHt=
O0QNVf1OZXJaph6PXt8Em9Qg0kfi3JEP_8XeSzmhvCnBWdbu5YPlGODGwKns-NnjjfRggXV8s=
2LAm4q7McPp0khEkgGgmftC3adcimkPoQn8YgQcks2sL1UC_cjKu4qM16Ip14TlYtXIOaG-mt=
3jIKIamzNAs0eNUjlqkHPANIJ7eqjiWzPvYZEcsKD4b9NHdEcOOiLKkvMLyTdWY7ZCXOnAMnu=
SvW5ZhoOsvotyc9FIZ6MC2_4t7Dw-_HRLS2B6O4xDU0UasBeKTRLGW9FBp_GnYi6lg%3D%3D"=
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alt=3D"assetfinance" border=3D"0" height=3D"424" name=3D"Cont_0" =
src=3D"https://library.eu.iterable.com/134/661/99aa90b436b44b9b9ef2edd379=
d23f89-c5-25-af-banner-dark-updated-copy.jpg" width=3D"600"></a></td> =
</tr> </tbody> </table> <!-- END Image Fullwidth --><!-- Trustpilot --> =
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"> =
<tbody> <tr> <td bgcolor=3D"#FBFAFC" class=3D"mpx-20" =
style=3D"padding-left: 40px; padding-right: 40px; padding-top: 30px;"> =
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"> =
<tbody> <tr> <td style=3D"border-bottom: 1px solid #D9D9D9; =
padding-bottom: 30px;"> <table border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" width=3D"100%"> <tbody> <tr> <td class=3D"img-center" =
style=3D"font-size: 0pt; line-height: 0pt; text-align: center; =
padding-bottom: 20px;"><a =
href=3D"https://link.email.fundingcircle.com/u/click?_t=3Dda5a84ecbd58453=
7a8adf00b00308a34&_m=3Ddb744fb9869646fab61d247055e0f371&_e=3DEdRs0796wZ2u=
x_nLbTSXB4Ym6MnaFxN6pIQzJiKbYdvEC-omDVTTkr3H-TkERwlLPCohqNZWBjpnmU4-gYFoa=
g7xdpdH_jexi40ukfOSw8PZu07KCENWNjNNhtDAScatq95S_s1S6_n-KXUJWZ83f36ENbdlvv=
GNV09GV70B6VCIkZqnyGPlXVCw_VhqmbTA6xizlZh-f0ZAAt9x1Ul_fPPziGL-v-I0VWBE-kV=
SOYWAg-VOp6vRT1krQNZUMqsDES05dO4gyskwr4BKh41u2IJ1podgFVerOzqwU53fBoB7Pyr5=
IrzM3pSRduPx8GF3brP0KUpKKtMAIVWZm07GvefgI6nvnV1YXakzPsx_h_QERNj4AbxWZQlXd=
-eXu2fXN6-66bDcLB84Vhx-SUOt-MslfzyLhbFsVMvOkYDhHlG3yGUuBbQmKbAhgwvsgCnq2g=
xzvxBMJsgZrsg7dqqlzxbsUBJhb1pL4g2U1CDwACxWeiJOACkeYZrkEjNyicWINxDm2JgIGXA=
VkeDoJWFQlxVYMASqPsH9sv6cj8d4sx0Rok_gw2uCDjskslPvTwn_" =
name=3D"Trustpilot" target=3D"blank"><img alt=3D"Trustpilot_img" =
border=3D"0" =
src=3D"https://library.eu.iterable.com/134/661/056ee3b68c6d4cdcab7609fdcb=
23bf49-sizedesktop-rating-typetrustpilot-colourlight.png" =
width=3D"275"></a></td> </tr> <tr> <td class=3D"mfz-14 mlh-19 ltspn-02" =
style=3D"color: #381b50; font-family: 'Inter', Arial, sans-serif; =
font-size: 16px; line-height: 22px; text-align: center; letter-spacing: =
-0.2px;">&ldquo;Absolutely amazing company to deal with! Straightforward =
application, kept me informed at every stage. Money in my account in =
less than 48 hours&rdquo;</td> </tr> <tr> <td class=3D"mfz-14 mlh-19 =
ltspn-02" style=3D"color: #381b50; font-family: 'Inter', Arial, =
sans-serif; font-size: 16px; line-height: 22px; text-align: center; =
letter-spacing: -0.2px; padding-top: 10px;"><strong class=3D"fw-600 =
ltspn-03" style=3D"font-weight: 600; letter-spacing: -0.3px;">&ndash; =
Jennifer,</strong> February 2026</td> </tr> </tbody> </table> </td> =
</tr> </tbody> </table> </td> </tr> </tbody> </table> <!-- END =
Trustpilot --> <!-- Footer --> <table border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" width=3D"100%"> <tbody> <tr> <td bgcolor=3D"#FBFAFC" =
class=3D"mpx-20" style=3D"padding: 30px 40px 30px 40px;"> <table =
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%"> <tbody> =
<tr> <td> <table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" =
width=3D"100%"> <tbody> <tr> <td class=3D"c-lilac" style=3D"font-family: =
'Inter', Arial, sans-serif; text-align: left; font-size: 10px; =
line-height: 16px; color: #9a8aa7;">For Limited Companies and LLPs, we =
use soft credit searches when you apply and a hard credit search will =
only be run if you choose to accept any loan offer you receive. For =
other company types, a hard credit search will be run when you submit =
your application.<br><br>Funding Circle is the UK's largest online small =
business loans provider. We also operate a business credit broker =
service, working with trusted third party finance providers to help =
support UK businesses access more finance options. The asset finance =
product mentioned in this email is not provided directly by Funding =
Circle Ltd. Subject to an eligibility survey, our team will attempt to =
get in touch with you to help process a referral to any applicable and =
relevant lending partners. <br><br>Funding Circle Ltd is authorised and =
regulated by the Financial Conduct Authority under firm registration =
number 722513. Funding Circle is not covered by the Financial Services =
Compensation Scheme. Registered in England (Co. No. 06968588) with =
registered office at 71 Queen Victoria Street, London, EC4V =
4AY.<br>Copyright &copy; 2026 Funding Circle. All rights =
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