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.
We recently came across possible the lowest residential mortgage rate we’ve ever seen. A leading high-street bank had a mortgage available at 60% or lower LTV at just .98%! Even when you consider the impact that recent politics and the financial crises of the last few years have had on interest rates, that’s still an...
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We’re going to open this article up with a story straight from the archives. Once upon a time, we knew a bank manager who would never finance a baker. A middling pub with decent financials? He’d consider it. A leasehold manufacturer looking to buy its freehold? He’d make an informed decision. A freehold bakery, with...
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Business banks are masters of unclear language. If you ever want to find someone who’s saying “no” at the exact same time as they’re saying “yes”, talk to a business loan underwriter. There’s a saying in finance that you’ll get one of three answers from a bank if you’re looking for finance on your own...
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No matter which way you cut it, finance is a specialist industry. You need specific knowledge and years of experience to properly navigate the financial world and find the right products. It’s one of the reasons we’re so emphatic that any business looking for finance has a broker. However, even in specialised fields, some are...
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Does anybody know what’s going on in the UK at the moment? We’d say that it’s fairly unlikely. With all the political dramatics and potential economic effects that’re being prepared for at the moment, the only thing that anyone can say for certain is that we’re in for interesting times. In times like these, the...
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Finance is a world in which knowledge is power. There are thousands of options to consider – finance can be tailored to fit almost any viable business. It’s one of the big reasons why we’re so emphatic in our view that you should always use a broker. It’s a broker’s job to research those options...
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Attitudes change over time. That’s one of the inveterate facts of the world. What was once an outlandish and ridiculous suggestion, ten years later becomes the de facto norm. Finance is no exception to this – a fully-computerised loan process must have seemed mad when first suggested! The newest change in the status quo of...
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We’ve been helping businesses find finance for over 50 years – we know that we provide a good service. The fact that our clients come back to ASC again and again only proves it! Here’s one such recent example: Our client is an experienced professional landlord, with a number of different properties. We were originally...
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