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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, Financial World

    Do you know the name of your bank manager? I didn't think so.

    If you went back 10 years ago, I’m sure most small business owners could tell me the name of their bank manager. You had a dedicated representative who not only understood your business, but you were able to contact them directly, and they would go out of their way to help your business. Perhaps you...

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  • Economy, Financial World

    Is 3% base rate better than 2% over base rate?

    It sounds like a silly question, doesn’t it? Instinctively you might say 2% is cheaper than 3% and therefore this must be the better deal. But what happens if the first deal has a repayment programme of 15 years and the second deal has a repayment programme of 10 years? The impact on monthly cashflow...

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  • Financial World

    Why do you work with an accountant, but not a finance broker?

    If you run a business, you would automatically see the need and benefit of appointing an accountant to deal with your accounting and tax affairs, or a solicitor to deal with the conveyancing process when buying property, or an architect if you want to build an extension to your business premises. They are all professionals...

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  • Business, Finance

    Everybody wants the better deal

    75% of all enquires start with the question “What is the best deal I can get?” It is an important question, but unfortunately there is no simple answer, because the question is actually not one dimensional. If it would only refer to interest rates or loan amounts, then yes, there is a simple and clear...

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  • Banks, Business, Finance

    The most informed decision you'll ever make

    We keep our eyes on the market, so you can make the best decision for funding your business. As with any financial decision – or decision in general – it’s important to know the market. Whether it be buying a new car, finding the right insurance for your phone, or the best place to go...

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  • Finance, Loans

    What can Peer2Peer lending do for me?

    [image] The beauty of peer-2-peer lending lies in its efficiency, and versatility. The practice involves borrowing money for many different individual lenders, as opposed to sourcing funding from just one. This provides freedom, in certain circumstances, to acquire funding with different criteria and in different circumstances. In real terms, it means that small businesses may...

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