Email us

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.

  • 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...

    Read more
  • 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...

    Read more
  • 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...

    Read more
  • Banks, Loans

    Scattergun Approach vs Targeted Precision – What works best for business finance?

    We were speaking to one of our lenders the other day. They were telling me that they kept getting applications from a finance broker, which they always looked at, but always knew that they wouldn’t do the deal. Why? Because that particular broker just sent a two-line e-mail to every lender they could find, in...

    Read more
  • Finance, Loans

    Can I get a business loan with bad credit?

    It is a question we often get asked. A client wants to borrow finance for their business or a property project but has a poor credit history. They are therefore concerned that they might be declined by lenders for this reason. The short answer is that lenders do take an applicant’s credit history into consideration....

    Read more
  • Finance, Property

    Do I need planning permission to get development finance?

    Good question! And it is one we get asked often, as clients can sometimes be caught in a chicken and egg situation. They want to buy a property to carry out a development, but need the finance to buy the property, which might need the planning permission in place to be allow them to buy...

    Read more
  • Finance, SME

    Why it pays to use the right broker

    Do I really need a broker if I’m looking for business finance? Of course, if you ask us, as a commercial finance broker, we would give you a resounding “yes”! However, we truly believe that using a broker is the better option for a business looking to find finance. Why? The world of commercial finance...

    Read more
  • Business, Economy, Financial World

    What does 2021 bring for UK Businesses?

    So, we have finally seen the back of 2020, a difficult year for many reasons and one which provided many challenges for small businesses across the country, dealing with the effects of a global pandemic, lockdowns, and many other issues which made it such a challenging time. But now the new year has arrived, what...

    Read more
  • Miscellaneous

    30 years supporting local business in Devon and Cornwall!

    ASC Director, Conrad Robins, opened ASC Finance for Business in St Austell in 1990. Today, with offices based in Truro and Exeter, he is celebrating 30 years of helping businesses in Devon and Cornwall raise the finance they need.  We interviewed Conrad and his team to find out more about his work with local business....

    Read more
  • Business, Financial World

    Merry Christmas and a Happy New Year from ASC!

    We’ve just about reached that time of year again when the whole world slows down for a few weeks. Christmas will be a time to relax, kick back and, we all hope (even more so this year), enjoy time with loved ones. We are no exception. After this week, this will be our last blog...

    Read more