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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.

  • Banks, Economy, Finance, Loans

    Traditional lending? What's the alternative?

    What do traditional and alternative lenders ask you when applying for business finance and what’s the difference? Well, traditional lenders will inevitably ask for a good credit score for both the business and the directors personally, an alternative provider may be willing to overlook a less than perfect score as they have a greater appetite...

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  • Finance, Financial World

    Are your finances keeping you up at night?

    Whether you’re running a start-up, opening an SME, or are a well-established business, confidence is central in your ability to succeed. A core part of this is your confidence in the long-term financials of your business. Many an entrepreneur and small business owner has been kept awake by the impending movements of the interest rate,...

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  • Finance, Investment, SME

    You're growing but can you afford to?

    Good news, you’ve secured the contract you were bidding for! Bad news? You’re now realised that you’re unsure on how to fund the new work. What you need to remember before you panic that there are options out there for you. Invoice discounting and factoring can give quick access to cash that you are owed....

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  • Banks, Loans

    You want to borrow how much?

    Imagine you’re looking at buying a business. Perhaps you want to run and own a hotel in Devon? Or you want to change your career path and buy a local restaurant? Well, how do you know if you can afford it? The options available to you for finance are impacted by the business that you’re...

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  • Banks, Business, Finance

    You wouldn't take the first price offered when buying a car…

    Imagine yourself walking in to a car showroom to take a look at a car that you think would be perfect for your needs. Now imagine that when you say hello and shake the hand of the sales person, you immediately say, “Yes! I will buy that car for that much!”. Would you do that?...

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  • In The Press

    Finance guide to buying a Bed & Breakfast

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  • Business, SME

    What do you want? What does your business need?

    There are two core policies being pursued by the government to incentivise the small business market and entrepreneurs. Firstly, Entrepreneurs Relief, which incentivises by reducing the Capital Gains Tax when selling a business down to 10%. Secondly, tax reductions that are available for research and development and schemes to reduce tax on investment gains. What...

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  • Finance

    You don't waste time, why should anyone else?

    When your business requires funding, there’s no time to waste. The trouble lies with the reams of forms that all lenders make you fill out when applying, not to mention that every lender will ask for different information. If you use a broker who specialises in business finance, and nothing else, you have a direct...

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  • Banks, Finance, Loans

    What are the lenders looking at?

    It’s not just your credit score. They want to see that you’re in control of your business; that you know what monies are coming and what are going out, that you’re aware of your marketplace, that the opportunity you’re offering is one that makes sound business sense. But there are many more factors that go...

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  • Business, Loans, SME

    Are you secure enough for an unsecured loan?

    As many businesses trade upon their intangible assets, such as a consultancy trading on its contacts and knowledge, the traditional secured loan has ceased to be an effective product for many companies looking to grow. As technology has allowed alternative finance streams to come online, in addition to some of the traditional lenders opening up...

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