For many UK SMEs, day-to-day financial management often focuses on cash flow, investment, and business growth. But one area that’s frequently overlooked is having a clear, tailored business savings strategy – and it can make a real difference.
A smart savings approach doesn’t just help businesses earn more on surplus funds. It also strengthens financial resilience, supports long-term business planning, and reduces reliance on short-term borrowing. At Aldermore, we work with SME businesses just like yours to help their money work harder – through savings solutions that fit their unique needs.
Every business is different. Some are looking to build a financial buffer, others are planning for future investment, and many need to manage seasonal fluctuations or prepare for unexpected costs.
That’s why a savings strategy should be aligned to your business’s short, medium, and long-term goals. Whether you need instant access to funds or can afford to lock away surplus cash for a higher return, choosing the right mix of savings products is key.
Whatever your individual goal as a business is, here at Aldermore, we offer a range of business savings accounts designed to suit different needs:
Notice accounts combine accessible savings with competitive interest, they’re ideal for funds you don’t need immediately but want to access with a set notice period, for example, Aldermore’s Notice Account is 95 days.
Earn higher interest while planning ahead.
These accounts are a great fit for businesses that want to stay in control while making their money work harder.
Easy Access accounts offer instant access to your funds, making them ideal for managing short-term cash flow or day-to-day operational needs.
Fixed-rate savings accounts are designed for funds that can be set aside for a defined period – for example, Aldermore’s fixed rate accounts offer terms of six months and a year – in exchange for a higher interest rate.
Top tip: a blended approach = a smarter way to save
Many businesses benefit from using a combination of savings accounts. For example:
This approach helps balance flexibility, return, and financial control – key elements of business development growth strategies.
A strong savings strategy doesn’t replace business finance – it complements it. By establishing a cash buffer, businesses can:
At Aldermore, we offer both business savings and business finance solutions, helping SMEs manage cash flow, invest in growth, and plan for the future. Our goal is to support businesses holistically –whether they’re saving, borrowing, or both.
Proactive saving is about more than just earning interest. It’s about creating stability, building confidence, and being ready for what’s next. Whether you’re just starting to think about your savings strategy or looking to refine it, Aldermore can help you explore the options that best fit your goals.
We offer a range of business savings accounts and finance solutions designed to support UK SMEs. To learn more, explore our:
Subject to status. Security may be required. Any property or asset used as security may be at risk if you do not repay any debt secured on it.