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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.

  • Finance

    The differences between secured and unsecured commercial loans 

    Business loans can be categorised as either secured or unsecured loans. The primary difference between the two is the use of collateral: A secured business loan requires collateral in the form of business or personal assets as a guarantee for the lender. An unsecured business loan doesn’t require collateral, but lenders may ask for a...

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  • Loans, Property

    What lenders look for in commercial mortgage applications

    A commercial mortgage is a secured loan used to purchase a commercial property. When deciding whether to lend, lenders assess several key factors to determine the borrower’s creditworthiness and the overall loan risk. Each lender may have slightly different criteria, but generally, they look at the following: Business and financial information Business history and type:...

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  • Business, Finance, SME

    Top 10 questions to ask when buying a business

    While buying a business can be a thrilling experience, there are various steps you’ll need to tackle. One of these is asking a seller the right questions. To support you in your buying journey, our friends at the world’s number one business for sale website have provided their insight. Here’s what they have to say....

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  • Finance

    A guide to invoice finance: how it works and benefits for businesses 

    Invoice finance, or factoring, is a financing solution that allows businesses to access funds by selling their outstanding invoices to a lender at a discounted rate. This guide will walk you through the process of invoice finance and provide key information to help you understand this financing option. There are two main types of invoice...

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  • Finance, Loans

    Short-term finance options explained 

    There are many instances when your business may require short-term finance. Perhaps you might need to cover an unexpected large expense such as new equipment or require help to manage cash flow fluctuations. Whatever the reason, it helps to understand your short-term finance options. Short-term financing is usually for working capital purposes and has a...

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  • Banks

    Bank versus a commercial finance broker

    If your business needs finance, the default scenario is to go to your bank. However, the days of having a dedicated bank manager who knows your business inside out and can get you the loan you need are, unfortunately, behind us in most cases. So, what’s the alternative? Instead of seeking a bank loan, you...

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  • Finance

    What does a commercial finance broker do? 

    ASC Finance for Business is a commercial finance broker. This blog post explains what that means and how using a commercial finance broker could benefit your business. What is a commercial finance broker? A commercial finance broker is an intermediary between businesses seeking financing and lenders or financial institutions providing commercial loans. Professional brokers are...

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  • Loans

    Pros and cons of bridging finance 

    Bridging finance is a short-term loan (typically 12 months or less) that provides an immediate cash boost. A bridging loan could be beneficial if you need a short-term loan or access to finance quickly. However, as with all commercial finance options, bridging finance does have some drawbacks. Here’s a summary of the pros and cons...

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  • Banks, Business, Finance, Financial World, Loans, SME

    Does my personal credit score matter if I’m getting a business loan?

    When it comes to commercial mortgages, many business owners wonder whether their personal credit score plays a significant role in the loan approval process. While commercial mortgages differ from personal mortgages in several aspects, your credit score can matter when applying for a commercial mortgage, though it will depend on the type of finance you...

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  • Banks, Business, Finance, Financial World, Loans, Property, SME

    A Short Guide to Refinancing a Commercial Loan

    If your business has a commercial loan, then you should regularly consider whether refinancing can help improve your financial situation. It could provide you with the opportunity to secure improved terms or achieve specific objectives. However, it’s important to approach refinancing with careful consideration. In this short guide, we have outlined the key factors to...

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