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  • Banks, Business, Finance, Loans, Property, SME

    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...

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  • Banks, Business, Finance, Financial World, Loans, Property, SME

    Why do lenders need to see my bank statements?

    It is a question we often get asked by our clients. When we are discussing their commercial finance requirements with them, we go through the documentation that lenders might request as part of their underwriting. One thing lenders often ask for is the borrower’s bank statements. And one thing the borrower often asks is “why?”...

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  • Banks, Business, Finance, Loans, Property, SME

    You know the banks that don’t lend – we know the banks that do!

    Who can you actually speak to at your bank? Who answers your questions and actually makes decisions? If you cast your mind back, a business used to have a dedicated bank manager – someone who knew the business inside and out. And if you wanted to secure finance for your business, they had the knowledge,...

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  • Banks, Business, Loans, SME

    Looking for a business loan? Look no further.

    It’s not unusual, at all, and at some point, many businesses will need finance. Whether for small things such as office works through to major business expansions, partnership buyouts, or even the initial costs of starting up a business, business finance can be for any number of things. At ASC, we pride ourselves on our...

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  • Banks, Finance, Investment, Loans

    Do you know the difference between serviced monthly, rolled up, and retained interest?

    Interest rates are the main cost of borrowing money. When you borrow money from a lender you are expected to pay back the amount that you borrowed, plus the interest on the amount borrowed. The number of different interest rates available when borrowing can be confusing, and varied. The types of interest rates on commercial...

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  • Banks, Loans, Property

    Why a broker is like your back-up parachute!

    Do I need a finance broker? Can’t I just speak to my bank myself? Well in theory you can. If your bank has the time to speak to you, and you approach the right bank, and you are able to speak to a decision maker etc. etc.  A broker is not always a necessity for...

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  • Banks, Economy, Financial World, Loans

    Banks are making it difficult to get finance – is there another way?

    A survey last week by the All-Party Parliamentary Group (APPG) on Fair Business Banking looked into the main High Street Lenders and whether they were open or closed to providing SMEs with the Government’s Bounce Back Loans. In particular, whether they were open to helping customers who were not currently their clients. The results might...

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  • Banks, Loans, SME

    Raising business funding today - More than just CBILS

    The Government’s Coronavirus Business Interruption Loan Scheme (CBILS) has received plenty of press in recent weeks. It has provided an opportunity for some business to receive finance which they might not otherwise have been able to access. The scheme has also come into some criticism (which we won’t get into here). But there are other...

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  • Loans

    How to find a commercial lender that works for you and your business?

    Did you know that there are over 300 banks and 45 additional building societies in the UK? That’s quite a lot! So how do you know which lender is the right one for you and your business? At ASC we offer a refreshingly personal service for business owners. This is an experience that may not always be received...

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  • ASC Newsletters, Banks, Economy, Finance

    Bank Managers are people too – never forget that!

    We’re going to open this article up with a story straight from the archives. Once upon a time, we knew a bank manager who would never finance a baker. A middling pub with decent financials? He’d consider it. A leasehold manufacturer looking to buy its freehold? He’d make an informed decision. A freehold bakery, with...

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