Where does the saying “Cash is King” actually come from?

The saying “cash is king” is a common phrase used in the financial world. It means that cash (or liquid assets that can be easily converted into cash) are the most valuable assets to have, especially in times of uncertainty.  The origins of the phrase are not clear, but it has been used in the financial...

Why you should consider buying a business!

A lot of people aspire to be their own boss – one way of doing this is to look at buying your own business.  Buying a business can be daunting, but it can also be a smart investment decision, and there can be specific benefits to business ownership. If you’re considering buying a business, it’s...

Are lenders putting clients under too much pressure to refinance? 

A lot has changed in the commercial lending market over the last few months. We have seen record rises in interest rates – and lenders have had to quickly change and update their criteria to respond to the changing landscape. One knock-on effect of this has been an increase in the number of lenders who...

Why are valuations essential for property loans?

Valuations are essential for property loans for several reasons:  Determine the Loan Amount: Valuations help to determine the current market value of the property, which is then used to calculate the maximum loan amount that can be offered. Lenders need to know the value of the property to ensure that the loan amount is appropriate...

What to consider when choosing a commercial mortgage

Determining the right commercial mortgage for you depends on several factors, including your financial situation, the type of property you are purchasing, and your long-term goals. We’ve highlighted just a few of the factors to consider when choosing the right commercial mortgage for you. Loan Type: Commercial mortgages come in different types, including fixed-rate, variable-rate,...

Exeter - A city of Opportunity

ASC’s rgeional Director for Devon, Conrad Robins was featured in the Intermediary discussing the property market in Exeter and the commerical finance opportunities. You can read what Conrad had to say here. 

We asked AI whether AI could replace a commercial mortgage broker. This was their response. What do you think ?

Most people who have been on social media recently will have seen that there’s a lot going on with AI advancements at the moment. While AI technology has advanced significantly in recent years, it is unlikely that it will entirely replace the need for a commercial mortgage broker. Well of course we would say that,...

ASC Finance comment on BusinesessForSale.com's recent survey about financing a business purchase

Looking for evidence that a broker matters? Almost a third of broker clients have secured finance, despite having been declined elsewhere!

We often get asked why people should use a broker if they are looking to raise commercial finance. In their recent survey, the @National Association of Commercial Finance Brokers, highlighted one particular statistic which we thought really showed the value of a commercial finance broker. Of all the clients that brokers secured finance for, 29%...

Voice activated Phone Systems – ARGHH!!!!

I had a frustrating experience the other day. I had to phone up our bank (who I won’t name), to ask a question about our business account. Now, we are all used to being asked for security information (whilst it is annoying, it serves a purpose of keeping our accounts secure!). But this bank had...