What SMEs need to know about pension investing

clock

Figures show lending to small businesses have dropped over recent times. Are we seeing a rise in SIPP and SSAS investments via SMEs? Fiona Murphy investigates the benefits and potential pitfalls

While lending to small businesses may have hit a ‘two-year high’, between May and June of this year, lending to both small and large businesses from banks has been on a downward spiral over the past four years. There have been fears that some business owners are looking to alternative means such as SIPPs and SSAS to raise capital. In terms of using a pension fund to grow a business, what are the key points advisers and business owners should consider? The first issue is that it should never be a transaction of last resort. Dentons Pension Management director of technical services Mart...

To continue reading this article...

Join Professional Adviser for free

  • Unlimited access to real-time news, industry insights and market intelligence
  • Stay ahead of the curve with spotlights on emerging trends and technologies
  • Receive breaking news stories straight to your inbox in the daily newsletters
  • Make smart business decisions with the latest developments in regulation, investing retirement and protection
  • Members-only access to the editor’s weekly Friday commentary
  • Be the first to hear about our events and awards programmes

Join

 

Already a Professional Adviser member?

Login

More on Pensions

Govt ignores pension tax lock call as petition responses top 18,500

Govt ignores pension tax lock call as petition responses top 18,500

AJ Bell started petition; Govt forced to respond after 10,000 signatures

Jenna Brown
clock 23 October 2025 • 2 min read
How SIPPs and SSASs could help power the UK's energy goals

How SIPPs and SSASs could help power the UK's energy goals

'The role of pensions in supporting renewable energy deserves further consideration'

Caitlin Southall
clock 23 October 2025 • 4 min read
IHT on pensions: A moment in time for the profession to shine

IHT on pensions: A moment in time for the profession to shine

'Bringing pensions into the IHT net marks a structural change in how wealth is transferred'

Andrew Zanelli
clock 21 October 2025 • 4 min read