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News and Information

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.

  • Business, SME

    How to clear the bottlenecks of business

    How to clear the bottlenecks of business. Starting a business is a daunting prospect. There are many hurdles which you, as a business owner, might need to navigate over the initial period. Setting up your procedures, getting the word out, and managing to make your initial investment go far are all difficult challenges. But if...

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  • Business, Financial World, Government

    Will Budget 2020 affect small business access to finance?

    Next week sees the first Budget of the Boris Johnson Government, and the first since the UK formally left the European Union at the end of January. And nobody is quite sure what to expect. More questions were raised with the recent surprise resignation of the Chancellor, Sajid Javid in the recent reshuffle. Now, all...

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  • Loans

    How to find a commercial lender that works for you and your business?

    Did you know that there are over 300 banks and 45 additional building societies in the UK? That’s quite a lot! So how do you know which lender is the right one for you and your business? At ASC we offer a refreshingly personal service for business owners. This is an experience that may not always be received...

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  • Property

    Buy-to-Let Property – Limited Company or Own Name

    Thinking of buying a buy-to-let property? We will always say that a borrower should talk to their financial advisor or accountant when considering whether or not to purchase an investment property in their own name or through a limited company. You need to ensure that the structure is right for you in terms of taxation,...

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  • Banks, Finance

    Do you know the name of your bank manager?

    If you answered “yes”, that will put you in the minority. The traditional bank manager has disappeared. Gone are the days when you had a dedicated contact who understood your business. Someone you can pick up the phone and actually talk to. Nowadays, if you tried to ring your branch, you probably wouldn’t even be...

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  • Banks, Loans

    Presentation is important.

    We were in conversation with a lender recently about the quality of applications they receive from different brokers. And they mentioned a stark difference between the two types of application they receive from different brokers. The first type (and we are happy to say this includes ASC), provide them with a summary of the transaction,...

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  • In The Press

    The first of a three part series: Finding the Funds - Pro Landscaper Magazine

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  • Banks, Business, Loans

    Bespoke, tailored exactly to fit you, created by experts with decades in the field. A suit? No, a loan!

    When many people look at business finance, there’s a strong temptation to apply the same assumptions that you would when looking at personal or residential loans. The bank deals with hundreds of loans every day, so they must have a variety of different loans to offer and for you to choose the best one. Right?...

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  • Business, Loans, Property

    Buying a Business - Leasehold vs Freehold

    You’ve got two options when it comes to buying a business. You can buy the leasehold, where you’re purchasing the right to use the land for a set period of time, but don’t have the same property ownership rights. On the other hand, you can buy the freehold, where you’re outright purchasing the property itself,...

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  • Finance, Loans

    What do lenders want to see? Experience.

    In past blogs, we’ve talked about a number of different things lenders will look at in any application for finance. But there’s one that we haven’t covered just yet – the importance of experience. When a lender offers you a loan, they want to be as certain as possible that they’re going to get their...

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