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News and Information

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.

  • Miscellaneous

    Securing Commercial Finance – The Key Players

    There are currently over 6 million SMEs in the UK, and accessing finance is well known to most of these businesses. Having the right team behind you can ensure that you not only get the right finance, but that it is secured in a timely manner, without any hiccups. There are a few different players in the process of...

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  • Banks, Business, Investment, Loans

    Less financial products available, but don’t worry ASC can help!

    Since the start of the pandemic the majority of brokers have seen reductions in the financing products available from lenders. Close to 90% of brokers believe the most affected in 2021 will be commercial mortgages, unsecured loans and secured facilities.   Why is this likely to happen? There has been a lot of lending over 2020, but the majority of lending capacity has...

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  • Business, Finance, Government, Loans

    Nearly 100,000 CBILS loans!

    The Government have released the latest statistics for their government-guaranteed COVID loan schemes which were introduced to support business through the coronavirus – namely, CBILS, CLBILS and BBL. And it is fair to say that there has been a wide take-up of the various schemes. In total, £75bn(!) was lent to businesses during this period,...

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  • Banks, Business, Economy, Property

    Is it a good idea to buy a business during an economic downturn?

    Short answer: Yes. Many small and big brands worldwide have started and flourished during economic downturns. As an example, “essential” business such as grocery stores, utility companies and service providers have proven to be relevant and are currently thriving – They are pulling hefty funds, especially business that made smart adaptations to social distancing measures....

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  • Banks, Business, Economy, Finance, Investment

    Will lending ever go back to “normal”?

    According to a recent Bank of England report, net bank borrowing by small and medium sized businesses was a record £43.3 billion in 2020 compared to £1.4 billion in 2019.  It is expected that by the end of 2021 UK small business borrowing will exceed £60bn. For small business using governmental and private financing options...

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  • Finance, Government, SME

    The end of CBILS – but what comes next?

     The government announced the March 2021 Budget last week to continue support some of those hit the hardest by the global pandemic with extensions to Furlough, self-employed support, business grants, loans and VAT cuts.   There isn’t much that impacts commercial finance, except the confirmation that CBILS loans and Bounce Back loans will end at...

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  • Business, Finance, Investment

    Asset finance – what are your options?

    Many businesses use asset finance to increase business growth, spread costs further, and allow fixed payments for simpler budgeting, to name a few. But do you know what Asset Finance really is? There are three main types of Asset Finance – Hire Purchase, Leasing and Asset Refinance. Hire Purchase allows your business to purchase the...

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  • Business, Investment, Property

    Commercial Property as my Pension? It’s a SIPP!

    What is a SIPP? A self-invested personal pension is designed for people who want to manage their own pension funds. The main difference between a SIPP and other pensions is that you can invest in commercial property through a SIPP.  This means that investors will sometimes purchase a commercial property (either their own business premises...

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  • Housing, Investment

    Why are HMOs attractive for property investors?

    Many property investors are attracted to HMOs (Houses of Multiple Occupation). This is mainly driven by the potential for higher returns on their investment. There are many reasons as to why the return can be higher. To being with, the total rent charged out to multiple tenants can be higher on a per week basis...

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  • Banks, Loans, Property

    Why a broker is like your back-up parachute!

    Do I need a finance broker? Can’t I just speak to my bank myself? Well in theory you can. If your bank has the time to speak to you, and you approach the right bank, and you are able to speak to a decision maker etc. etc.  A broker is not always a necessity for...

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