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  • Finance, Loans

    Bridging Loans – Closed vs Open

    There are times where your business will only need finance for a short period of time. Whether it’s two months or two years, these can be for anything ranging from a small commercial project to big business improvements that you want to quickly pay off. Different types of short-term financing include closed bridging and open...

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  • Finance, Loans

    An introduction to invoice financing

    What is Invoice Finance? “Cash is King.” Many small businesses have problems with cashflow which are due to late paying invoices. The average reported time to pay an invoice is 38.97 days and 27% of invoices in the UK are paid beyond the agreed terms. This can complicate cash work for businesses and in turn can...

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  • Business, Finance

    Why do our clients use ASC?

    We can tell you all the reasons why business people like you choose to use ASC to assist with raising business finance. We can point you to examples of the loans we have successfully raised over the last 50 years, and we can highlight the refreshingly personal service you will receive. But ultimately, why should...

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  • Banks, Economy, Government, Loans

    Update to the emergency loans scheme

    Last night the Government announced some upcoming changes to the CBILS loan scheme aimed at supporting small businesses during the coronavirus lock down. The details of the changes, are still to be outlined, but the key points which were announced are: Preventing banks from requiring personal guarantees for loans under £250,000 Removing the restriction that...

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  • Finance

    Why a broker is like a travel agent

    Who would you trust to get the right deal on a flight? A one-off customer who logs into an airline’s website, or A travel agent, booking hundreds of flights a year who can speak to a senior member of staff, and knows how the system works? Most of you would understandably say B. And commercial...

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  • Business, Finance, Financial World, Loans

    ASC Update - Covid 19

    Dear all, 95% of business might be impacted by the Coronavirus, with the majority hit by uncertainty or decreased demand. We understand that this is a challenging time for small businesses, and that despite everything you still have a business to look after. We wanted to ensure you that ASC are still here to support...

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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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  • Property

    Buy-to-Let Property – Limited Company or Own Name

    Thinking of buying a buy-to-let property? We will always say that a borrower should talk to their financial advisor or accountant when considering whether or not to purchase an investment property in their own name or through a limited company. You need to ensure that the structure is right for you in terms of taxation,...

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  • Banks, Finance

    Do you know the name of your bank manager?

    If you answered “yes”, that will put you in the minority. The traditional bank manager has disappeared. Gone are the days when you had a dedicated contact who understood your business. Someone you can pick up the phone and actually talk to. Nowadays, if you tried to ring your branch, you probably wouldn’t even be...

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  • Financial World, SME

    What’s made ASC so successful over the years?

    Here at ASC, we don’t exactly make our age a secret. In fact, we’re proud of it – if you’ve been following us, you’ll have seen many messages about our 50th anniversary. But it does lead to one particular question every now and then – how have we been so successful for so long? When...

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