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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.

  • ASC Newsletters

    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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  • 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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  • Financial World

    The joys of simplicity

    Over choice is a phenomenon which occurs when there are too many options for our brains to process. We can find this mentally draining and can end up making the wrong decision. We like things simple. That means that anything in life which helps make things easier and simpler for us is usually (but not...

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  • Banks, Loans

    The lowest interest rate is not always right

    We often ask clients what they are looking for in terms of finance. Quite often the answer is the lowest interest rate. And, we can understand why. The lower the rate the less they will pay per month. However, it is not the only factor which comes into consideration. Lenders can sometimes charge an arrangement...

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  • Banks, Finance, Financial World, SME

    You've got an accountant, you should have a finance broker too

    You’re running a business. It’s more than sensible to engage the services of an accountant to assist you with its running, isn’t it? And if you were after a complex legal settlement, you’d no doubt use the services of a solicitor that you trust. It’s the same for commercial finance. A specialist broker will make...

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  • Banks, Finance, Loans, SME

    How do you pass the lending criteria with little to no security?

    Take this scenario; your business is relatively new to the market, but you’ve already shown that you’re viable, and now you’re all set to grow. But you can’t get the finance. The lending criteria are too strict for you to get through. What do you do? Other than going to see a specialist commercial finance...

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  • Banks, Loans, Property

    Could a commercial mortgage help supercharge your business?

    With the increased elasticity in the property market, many current landlords are looking to dispose parts of their portfolios and realise their capital gains. But what does that mean for a sitting business tenant? Opportunity. Many lenders, both alternative and traditional, are looking to the seemingly safer shores of property. Here at ASC we currently...

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