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.

What is a SIPP? The self-invested personal pensions (SIPP) are designed for people that want to manage their own pension funds. SIPPS can provide a cheap, flexible and straightforward way to save for your retirement. SIPPs are primarily for those who don’t want a pension company deciding how their pension savings are invested and prefer...
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A few weeks ago, we wrote to explain what invoice financing is and how it works (here in case you missed it). Have you thought about Invoice Discounting? In our experience, clients don’t think about it often enough. Below are some reasons why invoice financing would be something for your business to think more carefully...
Read moreThe short answer here is that it can be hard to know. Only 36% of SME’s utilise external finance, and in our experience not as many business owners are as aware of how a cash injection can help them. What signs are there that raising some finance could help you? Well, these will vary, but...
Read moreFor the past year SMEs across the nation have had to adapt to all the new changes and challenges presented to them in many forms due to the pandemic. For most that means it’s been quite difficult to plan for the future. With things levelling off, SMEs are now starting to make and even implement...
Read moreInvoice financing is a term you might have heard without necessarily knowing what it is and how it can help you. There are broadly two types of invoice finance available; invoice factoring and invoice discounting, and both are efficient depending on the situation where it applies to. Invoice Discounting enables businesses to gain instant access to...
Read moreA record new 41,700 new buy-to-let limited companies were formed in 2020, and 2021 looking no different due to the new regulations in place having landlords looking at other options to reduce taxes. There have been a few important rule changes this year and recently, which include: Tax relief on buy-to-let mortgages: this one won’t...
Read moreTo become a property developer, you need to do extensive research and factor in many different things. Our six steps to success are below: Creating a business plan: set out in detail what you would like to do with your business (Target market, Property types, Timescales, Costs) Buy-to-let vs buy-to-sell: Buy-to-let may take continued maintenance...
Read moreAlthough the past year has had its difficulties, market confidence is now slowly growing again, fuelled by the vaccination programme and the easing of restrictions. There are a few points which developers should pay attention to when taking their projects forward, and they include: Increase loan terms due to potential delays: although the industry did...
Read moreAs a start, what does it mean? Property development means purchasing a property, developing it through renovations, and then selling it on for a profit or renting it out to tenants. Often, developers will look for cheaper properties so they can be improved through new furnishings, repairs, or maintenance. Is it a good plan? Well,...
Read moreAfter a strange 2020, the property market has proved itself to be fairly resilient. It’s also now being boosted by the recently announced, long-awaited, planning bill to modernise the planning system so more homes can be built. It’s a great time for property developers to look at diversifying their portfolio, and we share a few...
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