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The ASC Finance for Business Blog – 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.

  • Banks, Finance, Financial World, Loans

    A Universal SME Finance Platform – Ideal Future, or a Pipe Dream?

    Lenders aren’t homogeneous. That’s one of the big challenges of SME finance. Different lenders will want things presented in different ways. We won’t lie, it can make for a challenging process sometimes where you have to re-arrange an application every single time you put it forward. A lot people think that should change. At an...

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  • Banks, Finance

    When a bank is selling itself, how can it be financing you?

    It’s a little odd to hear, but banks fairly regularly get sold. Whilst the high-street banks that everybody knows are too big to be bought and sold wholesale, smaller parts of them and other smaller banks are fairly constantly being bought, sold, and traded for various purposes. Now, you might think “so what” to this...

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  • Banks, Finance, Loans

    How many banks are there? So many more than you think.

    If you asked your average business owner to name as many banks as they could think of, we’d bet that they’d struggle to get past 10, and almost definitely wouldn’t hit 20. Once you get past the big high-street banks like Barclays, Lloyds and HSBC, most peoples’ knowledge of banks dries up. This is emblematic...

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  • Economy, Financial World, SME

    Uncertain Economy? The perfect time for expansion!

    If you had a chance to read our Newsletter last week, you’ll have seen us talking about how the world’s in a bit of a bind at the moment. With the economic situation uncertain and many businesses suffering, what’s a SME to do? Well, here’s an interesting idea – rather than trying to “hunker down”...

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  • ASC Newsletters, Finance, Financial World

    AI and Fintech – Can you trust a computer with your loan?

    There’s a strong argument being made to start leaving many major finance decisions to AI. An AI can react faster, spot trends sooner and analyse more data than any human – it’s easy to see why it’s a sensible decision. But is this wise for the broking world, where personality can mean so much? Fintech...

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  • ASC Newsletters, Financial World, SME

    Do small businesses really need to get bigger? How business expansion factors into finance.

    Every business needs finance. It’s practically a fact of a business owner’s life. At some point, your business will want to grow, and you’ll need the funds to make it happen. However, there’s a prevailing myth about what comes with finance that we’d like to talk about. That myth is the idea that every business...

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  • ASC Newsletters, Financial World, Loans

    What does it mean to “know” a bank? How brokers and bankers do business together.

    At ASC, we’re proud of knowing our lenders. We think we have a right to be – not many brokers have 50 years of experience doing business. So, where some might only know the banks that won’t lend, we know the banks that will. But what exactly does “knowing” a bank mean? How does it...

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  • ASC Newsletters, Financial World, Loans, Property, SME

    A Manufactured Issue – Financing Medium Businesses

    Here at ASC, we write a lot about the work we do with small businesses. When you work in the SME sector, it’s a reasonable thing to do – 95% of companies in the UK have fewer than 5 staff. However, just because the majority of businesses are small, it doesn’t mean that we should...

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  • ASC Newsletters, Loans, SME

    These are uncertain times – but you can be sure of your finance. The ASC Summer Newsletter 2019

    There’s an air of uncertainty across the UK business world at the moment. After everything that has happened in the last few months, no business is really sure what’s going to happen next, and what the future of the business world will look like. What does this mean for small businesses? Well it can be...

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  • Finance, Financial World, Loans

    Variety is the spice of life – you have more options than you think!

    When people think finance, they tend to default to a small, set series of options. Ask your average business owner what they think of as “finance”, and you’ll get one of two answers most of the time – a secured business loan, or a mortgage. It’s easy to see why – they’re the “standard” options...

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