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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.

  • Uncategorised

    The right time to apply for finance

    So you’re looking at buying a business. When is the right time to start thinking about business finance? Before you look? After you have made an offer? After the initial visit? Obviously, it is important to have an understanding of what finance might be available before you begin your journey. There is no point spending...

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  • Uncategorised

    Old-fashioned is sometimes better

    The old-fashioned way is sometimes better. Don’t get me wrong, there are obvious benefits in technological advancements. You can now order a taxi at the touch of a button on your phone. You can instantly video-call a relative on the other side of the world. And you can go online and buy that pair of...

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  • In The Press, SME

    SME confidence is returning

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  • Business, Investment, Loans

    What interest rate can I borrow at?

    It is a simple question, but when it comes to commercial finance, it is not one which comes with a simple answer. But we understand how important it is to know what the answer to the question is before you start looking at whether or not it is worth you considering raising business finance. The...

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  • Economy, Finance, Investment

    Get your working capital working for you

    When every business had a dedicated bank manager, things were more straightforward. They understood your business, and could easily discuss overdraft facilities or working capital loans to help you out of any tight spots or cashflow difficulties which may arise. Now the bank manager has disappeared, you don’t have someone who understands your business, so...

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  • Business, Finance

    Business Finance gone Wronga

    By now you will have heard that Wonga has gone into administration. But you may not have known that it served as a resource for a high number of small businesses – we remember a statistic from a few years ago which said that 20% of small businesses had applied for a payday loan. That...

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  • Banks, Finance

    Bank Managers and Bank Holidays

    The bank manager is now on annual leave. Does that sound familiar? And I’m not just talking about last Monday (they are after all entitled to a bank holiday). The traditional bank manager, who knew and understood your business is no more, and is being replaced by call centres and online chat services. According to...

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  • Business, Economy, Finance

    Business Finance, but Better!

    We were recently introduced to two clients. They were looking at buying the freehold to their day-nursery, and they had already approached their bank – who had said that they could provide finance, but at an amount lower than what was required, and requiring them to put up their home as extra security. Fortunately, they...

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