Featured in The Fintech Times: Building Smarter SME Lending in the UK
Juice was featured in The Fintech Times in a profile of Katherine Chan, CEO of Juice, focusing on leadership, product discipline and the future of SME finance.
The article looks at how Juice is approaching business funding differently. The emphasis is on clarity, sustainability and funding structures that work for modern SMEs, not legacy assumptions.
Leadership grounded in real SME challenges
In the profile, Katherine Chan reflects on her experience in fintech and the gaps she has seen in traditional lending.
“Too many small businesses are declined not because they are risky, but because they do not fit outdated lending frameworks.”
Katherine Chan, CEO of Juice, via The Fintech Times
The article highlights a core belief at Juice. SME lending should reflect how businesses actually operate today, especially digital and ecommerce businesses.
This includes recognising:
- Irregular revenue patterns
- Seasonal cash flow
- Inventory-led growth
- The need for flexible working capital
Turning insight into practical funding for SMEs
The Fintech Times profile highlights a recurring theme. Many SME funding problems are not about access to capital. They are about how that capital is structured.
For founders, flexibility matters as much as availability. Funding needs to reflect changing cash flow, seasonality and the realities of running a digital business.
Juice’s approach focuses on giving businesses access to capital that can be used when needed, repaid as revenue comes in and adjusted over time. This helps founders manage working capital more deliberately and avoid carrying debt they do not immediately require.
The emphasis is not on maximising borrowing. It is on giving businesses the confidence to invest when opportunities arise, without compromising cash flow or profitability.
Why traditional small business loans no longer fit
The Fintech Times profile outlines why many small business loans fail to support growth.
Banks often rely on static data and inflexible products. This creates friction for SMEs that are profitable but do not meet rigid criteria.
As a result, founders are left with limited options. They either delay investment or accept funding that puts pressure on margins and cash flow.
This is where alternative approaches to debt financing are gaining relevance.
Supporting sustainable growth in ecommerce financing
The article also highlights how this approach is particularly relevant for ecommerce financing.
Online businesses often face:
- Seasonal demand
- Inventory spikes
- Changing customer acquisition costs
Flexible access to capital allows founders to respond to these dynamics without compromising profitability.
The goal is not maximum leverage. It is resilience and long-term growth.
What this means for business loans in the UK
The Fintech Times feature reflects a broader shift in business loans in the UK.
SMEs are moving towards funding that prioritises:
- Flexibility over fixed commitments
- Transparency over complexity
- Profitability over aggressive expansion
This shift is reshaping how founders think about capital.
If you are looking for business funding that supports sustainable growth and gives you control over cash flow, you can explore Juice here.