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Blue Thought Bubbles The ASC Blog

The ASC Finance for Business Blog – A collection of our thoughts, opinions, (and sometimes general musings) on everything to do with all aspects of business finance, commercial finance, small businesses, and general news about ASC Finance for Business.

Published 21/11/2017

Did you know that the banks have never been in such a good position to lend ever before? But how come many small businesses across the UK don’t have access to these funds?

The lending criteria at the major banks have never been so stringent. Cash levels are high but appetite for risk is low. This is where brokers come in. They know the lenders at the major institutions and have relationships in the burgeoning sector of alternative finance, from peer-to-peer lenders, asset financing, and invoice finance to name but a few.

Having a trusted broker in your corner can help match your finance application with the right lender. If you’re fed up of being treated like a form filling robot, give us a call. Find out why ASC.

Previous Blog Entries

Date Blog
14/11/2017 Is invoice discounting right for you?
07/11/2017 Have you prepared for the rise in interest rates?
31/10/2017 Commercial finance shouldn't be scary
24/10/2017 No time to waste
17/10/2017 There are brokers and then there is ASC
10/10/2017 You don’t need a solicitor, accountant, or a commercial finance broker – but it helps
03/10/2017 Why a successful track record of nearly 50 years can benefit you!
26/09/2017 Mission statements from banks
19/09/2017 Do you know the name of your bank manager? I didn’t think so.
12/09/2017 An internet search for commercial finance draws over 43 million results
05/09/2017 Is 3% base rate better than 2% over base rate?
29/08/2017 Why do you work with an accountant, but not a finance broker?
22/08/2017 Everybody wants the better deal
15/08/2017 Christmas in August – You must be joking!
28/07/2017 The most informed decision you'll ever make
21/07/2017 What can Peer2Peer lending do for me?
13/07/2017 Funding Circle recognition
04/07/2017 Award Winning ASC
19/06/2017 Which lender is the right lender?
06/06/2017 Why use a commercial finance broker at all?
18/05/2017 More awards for UK B&Bs!
09/05/2017 What is in your election manifesto for businesses?
13/04/2017 Small businesses are more confident about finance!
27/03/2017 Small business owners need more time to help them grow!
14/03/2017 Business finance should be simpler!
02/03/2017 New Business Rates to impact on Small Business
13/02/2017 Small Business Owners - Never enough time!
08/02/2017 Boom for UK Manufacturing
24/01/2017 There's nothing like a British Bed and Breakfast
21/01/2017 What do entrepreneurs worry about?
12/01/2017 Small business confidence grows, but access to finance is still tricky
03/01/2017 2017 – The year for your small business
20/12/2016 Merry Christmas from ASC Finance for Business
06/12/2016 Remembering the importance of small business
29/11/2016 Survey suggests that lenders don’t understand small businesses
15/11/2016 Our latest deals
08/11/2016 Small Businesses “value face-to-face interaction”
01/11/2016 What have ASC been up to?
25/10/2016 Short-Term Finance on the Rise
18/10/2016 When you need short-term finance
11/10/2016 You shouldn’t speak to the switchboard, when we can speak to the decision-maker!
04/10/2016 What have we been up to?
20/09/2016 Commercial Rates from as little as 2%
13/09/2016 Some kind words
06/09/2016 “They saved me the hassle” and other reasons why business people prefer ASC
30/08/2016 Why partner with ASC?
23/08/2016 Over £115,000,000 raised for small businesses in the last year
16/08/2016 When did your bank last speak to you?
09/08/2016 Why is it so difficult to get development finance?
02/08/2016 Should you use ASC, or go it alone?
26/07/2016 The right person makes all the difference
19/07/2016 Partnership Buyout? Finance is no issue with ASC
12/07/2016 Age is no barrier to commercial finance
29/06/2016 Our clients know we get results!
21/06/2016 Is the Enterprise Finance Guarantee Scheme right for my business?
14/06/2016 Would Peer-2-Peer Finance work for my business?
09/06/2016 What are the latest commercial finance rates?
24/05/2016 Make sure you can trust your commercial finance source
19/05/2016 Aged 60 or older? There may still be business finance for you!
10/05/2016 Buying commercial property at auction? What about the finance?
05/05/2016 Provide your business with access to exclusive lenders and terms!
26/04/2016 Making working capital, work - for you and your business
19/04/2016 Should I arrange Commercial Finance in a Limited Company or in my own name?
12/04/2016 Can I get property development finance without planning permission?
07/04/2016 Access to every lender at your fingertips!
17/03/2016 Did you know that 70% of businesses approach only one lender for commercial finance
15/03/2016 Alternative finance is growing – but is it right for your business?
08/03/2016 What deposit do I need to buy a business?
03/03/2016 You don’t always need a property as security for business finance
23/02/2016 Can I get finance for a property development?
16/02/2016 Know your budget before you buy!
09/02/2016 Backing up confidence with actions
04/02/2016 50,000 UK businesses have trusted us with their finance - here's why!
26/01/2016 High confidence – but low expectations!
19/01/2016 Why experience is so important
14/01/2016 Do you like paying more for your Business Finance?
05/01/2016 New Year and new opportunities for business finance
22/12/2015 Merry Christmas from ASC Finance for Business
08/12/2015 Most small businesses don’t know their finance options!
03/12/2015 Commercial finance is available from as little as 2%
24/11/2015 Small Business Saturday or small business every day?
17/11/2015 Don’t be a jack of all trades, yet a master of none
10/11/2015 Don’t be a fool, make sure you know the market!
05/11/2015 The Secret to Commercial Finance
27/10/2015 Wanting to beat the bag charge? Shop local!
20/10/2015 Small businesses breaking records!
13/10/2015 Is it time to stop the bank bashing?
08/10/2015 Why use a broker at all? Can’t I just raise finance myself?
29/09/2015 Party Conferences - We've been here before!
22/09/2015 Buying a business? How much can you afford?
15/09/2015 Why Commercial Finance is like the Grand National!
08/09/2015 Lifting Invoice Finance Restrictions for Small Business
03/09/2015 Even the banks choose ASC for their finance!
25/08/2015 The importance of understanding small business owners
18/08/2015 "The airplane takes off against the wind, not with it."
11/08/2015 Where have all the humans gone?
06/08/2015 What are the alternatives to alternative finance?
28/07/2015 The Government doesn't know what it is doing to help small business!
21/07/2015 Making commercial finance that little bit easier
14/07/2015 Forget the Jargon!
09/07/2015 Which lenders have the right appetite to lend you business finance?
30/06/2015 What are you looking for in next week’s budget?
23/06/2015 Small Businesses Growing Again!
16/06/2015 Understanding Small Business
08/06/2015 What is Crowdfunding?
04/06/2015 Raising Finance? Make sure you hold all the aces!
26/05/2015 “You learn by doing, and by falling over.”
19/05/2015 Commercial Finance is available for UK Businesses
12/05/2015 A positive future for small business finance!
29/04/2015 "The broker will identify the most suitable funder from their panel to provide the loan"
28/04/2015 Will the Political Parties offer anything for your business?
28/04/2015 “We recognise the value of entrepreneurship”
28/04/2015 “We must make sure that businesses have access to the finance they need”
28/04/2015 “Britain only succeeds when working people and businesses succeed”
21/04/2015 What is Invoice Discounting?
14/04/2015 When is a “quote” not a quote?
09/04/2015 Who would you sell your business to?
31/03/2015 Experienced hands are safe hands
24/03/2015 What is Bridging Finance?
17/03/2015 Do you think the Budget will be good for Small Business?
10/03/2015 What is Asset Finance?
05/03/2015 Why bother using a finance broker?
24/02/2015 “Success is often achieved by those who don’t know that failure is inevitable.”
17/02/2015 Do you run a small busy-ness?
10/02/2015 Small businesses on the rise!
05/02/2015 “When you are going through hell, keep on going. Never, never, never give up.”
27/01/2015 The Government is breaking its own promises to small businesses
20/01/2015 Do you agree with Lord Digby Jones?
13/01/2015 Train Fares continue to Rise
08/01/2015 “Yesterday’s home runs don’t win today’s games.”
23/12/2014 Merry Christmas from ASC Finance for Business
16/12/2014 Commercial Lending is on the Rise!
09/12/2014 Why you should always compare the market!
04/12/2014 The difference between business finance and Business Finance
25/11/2014 Small Business Saturday is Back!
18/11/2014 The usual please!
11/11/2014 Need finance to buy a business? It’s a chicken and egg situation!
04/11/2014 Funding for Lending may be Failing… But Finance is still Available!
29/10/2014 Pay Day Loan Brokers - Be careful where you go!
28/10/2014 What’s the most important piece of advice for a small business owner?
21/10/2014 Am I too old for business finance??
17/10/2014 Keeping the Tax Disc?
14/10/2014 Breaking down barriers for small businesses
10/10/2014 An extra-terrestrial Meat-ing!
09/10/2014 So you want to grow your small business? What’s stopping you?
30/09/2014 Do Politicians Understand Small Businesses?
23/09/2014 There’s more than one way to skin a cat
16/09/2014 Failing to Plan, is Planning to Fail
12/09/2014 Stress Relief!
09/09/2014 Why use a commercial finance broker? The numbers do not lie!
02/09/2014 Whether you think you can or whether you think you can’t, you’re right!
26/08/2014 Rail fare rises are not on track for small businesses
19/08/2014 Are Bankers Really Bonkers? Part 2…
19/08/2014 The CV Man
12/08/2014 Are Bankers Really That Bonkers?
05/08/2014 "Do not be embarrassed by your failures, learn from them and start again"
29/07/2014 Design your bank!
22/07/2014 Don’t call small businesses lazy! They are just disillusioned.
15/07/2014 The most valuable commodity for a business owner…
08/07/2014 British Manufacturing - Let the little guy grow!
01/07/2014 Don’t just talk the talk – you need to walk the walk!
24/06/2014 How long do you think it takes to get a mortgage appointment?
20/06/2014 Putting the fun into fitness
17/06/2014 This Time it’s not the Banks' Fault
10/06/2014 Help Us! – Another Initiative for Regulation
06/06/2014 The World is Watching
03/06/2014 The best call centre is no call centre!
30/05/2014 Think Bigger!
27/05/2014 The importance of direct communication
23/05/2014 High Street Revival!
20/05/2014 The “Legal Loan Sharks”
13/05/2014 Even the best laid plans can go astray
06/05/2014 Business finance - Ignore the headlines and don’t give up!
29/04/2014 What will the new mortgage rules mean?
22/04/2014 The value of customer service
15/04/2014 Good News for UK Businesses!
08/04/2014 The ideal bank manager - It’s not who you think it is!
04/04/2014 Pay as you Feel
02/04/2014 SME Finance – "It’s about awareness and access"
01/04/2014 Finance is Available! And this is not an April Fool!
28/03/2014 #nomakeupselfie success!
25/03/2014 Will politicians finally help the small business owner?
18/03/2014 The need for Independents!
11/03/2014 Premium Rate Numbers – A Call to Action!
07/03/2014 What should your CV look like?
04/03/2014 Business lending gone Wronga
27/02/2014 A natural entrepreneur… and only 3 year’s old!
25/02/2014 A taxing question?
21/02/2014 The Marketing Olympics
18/02/2014 What’s in a rebrand? From the FSA to the FCA
14/02/2014 Love is in the air!
11/02/2014 One less bank for small businesses
04/02/2014 The Banks say they are willing to lend. Do you believe them?
31/01/2014 From Lock Up to Start Up
28/01/2014 Has the branch manager actually disappeared?
24/01/2014 No longer a legal minefield
21/01/2014 Making the banks serve you
17/01/2014 One coffee? That'll be 3p per minute!
14/01/2014 Do you deserve a small business MBE?
10/01/2014 A social success!
07/01/2014 The Unsung Heroes of the Economy
03/01/2014 A small business delivering success!
31/12/2013 Another year over... and a new one just begun.
27/12/2013 Essential Christmas Viewing
24/12/2013 Merry Christmas from ASC
20/12/2013 Stay another day!
17/12/2013 The banks. Whose side are they on?
13/12/2013 Waste Not, Want Not
10/12/2013 Changing Small Business Saturday to Small Business Every Day!
06/12/2013 Sharing the load
03/12/2013 Do you like call centres? Yes or No?
29/11/2013 Deal or no Deal
27/11/2013 Pedalling bad regulations - Why we need more common sense!
26/11/2013 A (ridiculously priced) ticket to ride!
22/11/2013 Something fishy is in the water
20/11/2013 Why the Co-op Bank saga makes a mockery of the regulator
19/11/2013 Your dream job is a possibility... just make it happen!
15/11/2013 Taking off to new heights!
12/11/2013 Focus on Leisure and Tourism: Want an Olympic Legacy? Then Cut the VAT!
08/11/2013 For one night only...
07/11/2013 Last Call! Why we all need to help save small businesses.
01/11/2013 A close shave!
29/10/2013 The Lost Restaurant
25/10/2013 Suspend my coffee!
22/10/2013 Small Business Saturday - A Step in the right direction for Small Businesses
18/10/2013 Here's my card...
15/10/2013 Focus on Retail - Dear Government: Retailers do not need more reports, they need your support!
11/10/2013 A sharp idea!
08/10/2013 Focus on Retail - You are not bonkers if you are thinking about Christmas in October... You are bonkers if you are not!
04/10/2013 Sweet Success!
03/10/2013 Making banking easier for you - Have the bureaucrats lost the plot, again?
30/09/2013 Focus on Retail - William Grimsey: Why we need a plan for the British High Street
27/09/2013 A colourful way to stand out!
26/09/2013 Focus on Property Development: Why we need more property development - no we are not mad!
20/09/2013 Share an idea with...
19/09/2013 Focus on Property Development: Does Help to Buy actually help?
13/09/2013 Often, convention can stand in the way of innovation
12/09/2013 Focus on Property Development: Why should we support property developers?
06/09/2013 Hailing a good idea!
05/09/2013 The housing market is recovering, but the banks need to do more!
30/08/2013 Finding value in unexpected places
29/08/2013 Focus on Manufacturing: Small Firms are the Driving Force
23/08/2013 Sometimes thinking outside the box helps
22/08/2013 Manufacturing in Britain: Not stuck in 2nd Gear
16/08/2013 Explore your social side.
15/08/2013 Manufacturing; UK vs. China - are we really that different?
09/08/2013 A lot of energy - fuel for thought
08/08/2013 The best way to predict your future is to create it
02/08/2013 Successful Business Initiative; to infinity and beyond!
01/08/2013 Securing Lending - it's tougher than you think!
26/07/2013 Exploit your marketing . . . innovatively
25/07/2013 You have 3 options if you want to grow, so do you?
19/07/2013 Give a little, gain a lot
18/07/2013 Don’t give up before you’ve started
12/07/2013 Packaging a punch!
11/07/2013 Breaking bread with RBS Business Lending
05/07/2013 Appy Days!
04/07/2013 A lawyer who defends himself has a fool for a client
28/06/2013 Things Successful Business Owners Do Differently
27/06/2013 “The Government understands small businesses” – do they?
20/06/2013 Does regulation really benefit the consumer?
14/06/2013 A workforce with a difference!
13/06/2013 Lloyds Bank, Co-op Bank the financial regulator and you
07/06/2013 What makes a successful company . . . successful?
06/06/2013 It’s not the banks fault stupid
31/05/2013 Make the experience matter!
30/05/2013 Lloyds Bank, Co-op Bank the financial regulator and you
24/05/2013 There is success in the economy. Read about this hot idea for a business venture!
23/05/2013 Downing Street: “It’s never been easier to set up a business”
17/05/2013 A successful innovation
16/05/2013 A vicious circle – why RBS “can’t force businesses to borrow”
10/05/2013 Satch-el good idea!
09/05/2013 Funding for businesses is doomed - here's why
03/05/2013 Thinking outside the box!
02/05/2013 Will email die out? The future of business communication!
26/04/2013 A leap of faith for Mr Cake!
25/04/2013 Funding for Lending - here we go again
19/04/2013 Creating a sweat in the Lloyds vault!
18/04/2013 The cost of regulation
12/04/2013 Thinking outside the box does work
11/04/2013 Can Businesses learn from the Communist Politbureau in China?
04/04/2013 Business Finance - do you enjoy wasting your time?
28/03/2013 The effect of AAA on SME's? Nada, Niente, Njet, Nothing
21/03/2013 Negative Interest Rates?! The politicians should stop drinking
12/03/2013 Cap the Bankers bonuses - do we care?
08/03/2013 What a relief!
05/03/2013 I hate to say ‘I told you so.’
01/03/2013 Good Story; a charity with a mission!!
22/02/2013 Pop into this pop up!
19/02/2013 Look to the future! Where do you want to be?
15/02/2013 Advertising on a roll
12/02/2013 Can you put a price on loyalty?
05/02/2013 Are you fed up with modern banking?
01/02/2013 A refreshing twist to the surf and turf!
29/01/2013 Business Finance can be arranged
22/01/2013 Size does matter.
15/01/2013 Support your local football club and business!
11/01/2013 Zipcar
08/01/2013 Business Finance - Think outside the box!
20/12/2012 Money Supermarket
18/12/2012 Not enough bucks for the local boutique!
14/12/2012 Tyrells Potato Chips
14/12/2012 Acrylicize! It’s a passion
11/12/2012 Another New lending Scheme doomed for the dustbin – thankfully there is ASC
07/12/2012 One Scoop or two?
04/12/2012 A personalised plate, more than just numbers and letters!
30/11/2012 Great Business for Green Grocers!
27/11/2012 Have you got what it takes?
23/11/2012 UK permanent jobs grow at fastest pace since May 2011
20/11/2012 Sometimes the Banks are actually innocent
16/11/2012 Big Business for Baby Boutique
13/11/2012 Peer to Peer Lending - the Holy Grail for Commercial Finance?
09/11/2012 Making money from sweat and soil - BMF
06/11/2012 Business Finance for Humans or Robots? You decide!
02/11/2012 Trunki
30/10/2012 Pensions Pots & Policies for Mortgages
26/10/2012 The Cambridge Satchel Company
23/10/2012 More cash from Cables stash!
19/10/2012 John Wood
16/10/2012 Who is your favourite James Bond?
12/10/2012 Innocent
09/10/2012 No standards for standard variable rates!
05/10/2012 Joe&Seph
02/10/2012 Small Business Survey – what's the real story?
28/09/2012 Conrad Robbins testimonial
25/09/2012 Plans for a new state funded bank - Hurrah (or maybe not!)
21/09/2012 John Lewis – Success & its customers
18/09/2012 Money worries for business expansion
14/09/2012 ASC Finance for Business (ASC)
11/09/2012 Was it worth it? The financial cost of hosting the games
04/09/2012 Do you know your customers?
31/08/2012 Compare & Recycle
28/08/2012 Don't realise the truth until it's too late!
21/08/2012 Why low base rates do not result in low interest rates for businesses!
13/08/2012 Were the Olympic Games Good for Business?
06/08/2012 After the Tsunami, Libor and you
30/07/2012 Swaps for Businesses – It's not just daft today, it was always daft!
23/07/2012 Barclays Bank and LIBOR
16/07/2012 The Bank Manager has disappeared – ASC are still here
09/07/2012 Do your clients think you are a Bank?
02/07/2012 Interest rates for Small Business Loans
25/06/2012 Bank Bashing Continues – But is it fair?
18/06/2012 Business Finance & Banks – it is not a joke.
11/06/2012 Do you like Banks?
28/05/2012 If you like to pay 4000% for business loans – take it and enjoy it
21/05/2012 Hard Core Borrowing – I'm Not Kidding
14/05/2012 Bank Bashing Continues – take 2
10/05/2012 Trust seems to be a very old fashioned word in today's modern business world.
02/05/2012 £20bn raised by introducing one new tax – Yes – with one condition.
26/04/2012 Bad News for Journalists and Politicians – there is some good news
19/04/2012 Why Low Base Rates are Bad for You
12/04/2012 A better Idea for Quantitative Easing
05/04/2012 Where has the old fashioned bank manager gone?
29/03/2012 Message to our Banks - Businesses want to grow (and need to borrow)
22/03/2012 Corporate Cash at Record £731 billion
15/03/2012 You don't need a dentist to pull out your tooth
08/03/2012 Sale of Lloyds and RBS branches - has anyone asked the clients?
01/03/2012 AAA or Double Dutch - Take 2
23/02/2012 Good News or Bad News - High Street Closure Rates
16/02/2012 £1 Trillion Debt - Where has the money gone?
09/02/2012 George Osborne's Advice: Hamster food for China!
02/02/2012 Are Bridging Loans a Good Tool for Business Finance?
26/01/2012 The Bank of England looks after small businesses
19/01/2012 Risk - Regulation - Common Sense - who is winning?
12/01/2012 The reality of Government Initiatives
04/01/2012 Guess who is dispensing an array of marketing advice?
19/12/2011 Marketing advice from a bank manager
12/12/2011 Bank of England v Treasury
05/12/2011 If you love red tape...You'll love the new National Loan Guarantee Scheme
28/11/2011 Money Laundering Regulation Going Mad
21/11/2011 Mirror Mirror on the wall - who's the best risk advisor of them all (RBS?)
14/11/2011 Are Bankers bonkers (or are we bonkers?)
07/11/2011 Incentive for Banks - Quantitative Easing Translated in to English
31/10/2011 Economic Advisor required - No experience necessary?
24/10/2011 Trust me I am a Banker
17/10/2011 Edward Davenport is coming back
10/10/2011 After the Tsunami of Initiatives
03/10/2011 Modern Marketing - Is Spelling important?
26/09/2011 Call Centres
19/09/2011 UBS and You
12/09/2011 Double Dutch or Triple A (AAA)
05/09/2011 Undercover Survey Finds Banks Really Won't Lend
30/08/2011 Lenders keep zombie companies alive
08/08/2011 ASC and Amir Khan and Business Finance - we are not joking
27/07/2011 The Demise of PowerPoint Presentations?
14/07/2011 Today's Puzzle: Bank Loans Rejection Rate Rockets - Majority of SMEs 'successful in getting bank credit'
07/07/2011 It's time to step outside your comfort zone!
09/06/2011 Project Merlin
08/06/2011 We all just want a good night's sleep!
19/05/2011 Take the initiative like Branson and Roddick!
18/04/2011 Do we not deserve more than second best?
02/03/2011 Deals, Deals, Deals - Finance for Business can be arranged
14/02/2011 The Government has fixed it - we can all go home
04/02/2011 WANTED! - The good old fashioned business bank manager!
17/01/2011 Number of new regulations in Britain at record high
10/01/2011 You're set for a happy business year as new lenders join the ASC panel
01/12/2010 Can you access the funds you need - the rates you want - terms you are happy to work with?
15/11/2010 Bad business decisions in the past are no excuse to blame banks
19/10/2010 Why banks are structurally incapable of efficiency
23/09/2010 The reasons why small businesses don't want to borrow
26/06/2010 Positive lending criteria increases mortgage fraud

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10 reasons to
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10 Reasons

Why ASC?

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Why ASC?

You already know that arranging business finance can be a tricky experience.

We appreciate that your time is precious. With our extensive knowledge of business finance available in today’s SME market we can approach the lending institutions that are right for your business finance needs. You will be saved from the frustration of endless form filling, repeated conversations with numerous lenders, and save you from having to provide each different lender stacks and stacks of information.

Our job is to remove the ever increasing number of hurdles that are put in your path, by arranging business finance or commercial finance for you in a time-saving and more efficient manner.

ASC have been established for over forty years and we have experienced more recessions and ups and downs in the economy then we care to remember. Due to our clear focus on independent businesses and entrepreneurs we have developed a track record which is envied by our competitors. You will deal directly with an experienced Director who has a strong commercial background and real experience enabling him or her to find the business finance which is just right for your business.

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