Stef’s market update – July 2025 – Summer, slower weeks and smarter thinking

It’s been a whirlwind few months in the world of commercial finance – and for many of us, the pace has been relentless. June and July have been especially busy at Evolve, with record levels of deal activity as clients moved quickly to secure funding before the summer holidays hit.

Because – let’s face it – August is traditionally a slower month for business. With schools breaking up and inboxes full of out-of-office replies, activity tends to dip. That’s why our message to clients has been simple: get your deals over the line before the kids break up. Lenders, valuers and legal teams all slow down in August so if there’s funding to be secured or decisions to be made, the time is now.

But there’s also another side to this quieter spell and I’d argue it’s just as valuable. August is a great time to recharge. I’ll be taking a couple of weeks off with my family and I’d encourage anyone reading this to do the same. There’s something incredibly productive about stepping away from your screen, spending time with people who matter and letting your brain do some background thinking.

In fact, some of the best business decisions I’ve made have come when I’m not ‘on’. Whether that’s walking the dog, sitting by a pool or just clearing your head, space creates clarity.

It’s also vital for mental health. Running or growing a business is hard work and I’ve found that when we come back after a proper break, we’re sharper, more focused and ready to help our clients hit the ground running again in September.

So whether you’re closing deals, heading to the beach or just planning your next move: use the summer well. And if you’re thinking ahead to autumn and need funding lined up, we’re here when you need us.

Just give us a call on 0115 648 3400. We’re always happy to help.