Commercial Finance Archives - ASC Finance for Business

24/11/2025 Finance

How does refinancing a business loan work, and what are the benefits?

Running a business often involves obtaining a business loan to cover daily expenses or support expansion plans. Over time, interest rates may fluctuate, cash flow can vary, and your company’s needs may change. Refinancing a business loan can help you adapt to these variations by restructuring existing borrowing to better match your current circumstances and...

16/07/2025 Finance

Will AI change the way your business gets a loan?

AI is transforming all aspects of life, and commercial finance is no exception. Traditionally, applying for a business loan has been a complicated process involving filling out forms, underwriters scrutinising every detail, and long waits. However, all of that is changing with the development of AI. From accelerating decisions to transforming the risk assessment process,...

21/05/2025 Finance

A guide to the development finance application process

Applying for development finance is often a detailed and structured process, which can seem overwhelming if you’ve not been through it before. If you’re new to the process, here’s a step-by-step guide to help you understand how it works. Step 1: Preparation Before approaching any lenders, you’ll need to compile all the necessary information and...

15/04/2025 Finance

Why might your commercial finance application get rejected?

Securing commercial finance is often essential for business growth, but not all applications are successful. When deciding whether to lend, banks assess several factors to determine the risk level and the business’s ability to repay the loan. Any red flags can lead to rejection. Understanding the barriers to finance can help you improve your chances...

02/04/2025 Finance

Commercial lenders rely on brokers for nearly two-thirds of SME finance transactions

The National Association of Commercial Finance Brokers (NACFB) annual impact report reveals that, on average, lenders attribute 67% of their SME portfolios to intermediaries. In 2024, NACFB members facilitated £26.5 billion of the UK’s £38 billion broker-led SME lending market. Commercial finance brokers have strong relationships with lenders and know how to present a finance...

23/09/2024 Finance, Loans

How to prepare your business for securing commercial finance

Whether you’re seeking commercial finance to help with cash flow, fund expansion plans, or refinance existing loans, good preparation will maximise your chance of success. Lenders will scrutinise your business before deciding whether to lend, so you want to present it in the best possible light. Here are our five tips to help you prepare...

06/06/2023 Banks, Business, Finance, Financial World, Loans, Property, SME

A Short Guide to Refinancing a Commercial Loan

If your business has a commercial loan, then you should regularly consider whether refinancing can help improve your financial situation. It could provide you with the opportunity to secure improved terms or achieve specific objectives. However, it’s important to approach refinancing with careful consideration. In this short guide, we have outlined the key factors to...

28/09/2021 Business, Finance, Loans

Case Study: Finance for Dog Kennels and Cattery? ASC has delivered!

It is becoming increasingly common for family members to be working together and support each other in business opportunities. That can bring with it its own challenges and in this recent deal, successfully completed by Conrad Robins, ASC Director in Devon, we overcame some of the expected issues and more. A multi-generational family were looking...

13/04/2021 Finance, Loans, Miscellaneous

Securing Commercial Finance – The Key Players

There are currently over 6 million SMEs in the UK, and accessing finance is well known to most of these businesses. Having the right team behind you can ensure that you not only get the right finance, but that it is secured in a timely manner, without any hiccups. There are a few different players in the process of...

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