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.
If you own a business and need finance to secure premises, you might wonder if it’s possible to secure finance without a trading history. The short answer is yes, but it’s not always straightforward. Lenders value certainty. Commercial mortgage lenders seek reassurance that a business can repay the loan, making your trading history crucial. Your...
Read moreAt ASC Finance for Business, we believe that securing business finance should be simple, straightforward and stress-free. That’s why we’ve spent over 50 years helping business owners, property investors, and entrepreneurs find the right funding, without the fuss. Whether you’re looking to purchase premises, refinance existing debt, begin a property development or raise working capital,...
Read moreAI is transforming all aspects of life, and commercial finance is no exception. Traditionally, applying for a business loan has been a complicated process involving filling out forms, underwriters scrutinising every detail, and long waits. However, all of that is changing with the development of AI. From accelerating decisions to transforming the risk assessment process,...
Read moreWhen it comes to business finance, many options are available, and no single solution fits all. If your business needs extra cash to cover the day-to-day running, cash flow lending could be a potential option. What is cash flow lending? Cash flow lending is a type of unsecured loan. It allows businesses to borrow money...
Read moreApplying for development finance is often a detailed and structured process, which can seem overwhelming if you’ve not been through it before. If you’re new to the process, here’s a step-by-step guide to help you understand how it works. Step 1: Preparation Before approaching any lenders, you’ll need to compile all the necessary information and...
Read moreNavigating the world of business finance can be challenging for small and medium-sized enterprises (SMEs), especially with so many lenders and funding facilities on the market. From understanding eligibility criteria to securing the best terms, the process is often time-consuming and complex, yet help is at hand. A commercial finance broker is an expert guide...
Read moreFor many property investors, residential property often feels the safer choice, so it is consequently the most common, particularly among first-time buyers. However, semi-commercial properties are growing in popularity among savvy investors. Investing in semi-commercial properties provides an opportunity to diversify portfolios. A semi-commercial building combines commercial and residential elements, presenting dual-income potential. Residential tenants...
Read moreWhether you’re embarking on your first development project or you’re a seasoned developer, you’ll probably require development finance to get your scheme off the ground. Understanding how lenders decide on development finance applications helps determine your project’s feasibility. Like all types of finance, lenders assess the risk versus reward when deciding whether and how much...
Read moreSecuring commercial finance is often essential for business growth, but not all applications are successful. When deciding whether to lend, banks assess several factors to determine the risk level and the business’s ability to repay the loan. Any red flags can lead to rejection. Understanding the barriers to finance can help you improve your chances...
Read moreThe National Association of Commercial Finance Brokers (NACFB) annual impact report reveals that, on average, lenders attribute 67% of their SME portfolios to intermediaries. In 2024, NACFB members facilitated £26.5 billion of the UK’s £38 billion broker-led SME lending market. Commercial finance brokers have strong relationships with lenders and know how to present a finance...
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