For most small and medium-sized businesses (SMEs), their bank is their first port of call for commercial finance. So what happens when your business needs a loan, and your bank says no? There are many reasons why a bank may reject a loan application, and it’s generally not straightforward to pin down the cause. Your...
Read moreIf your business needs finance, the default scenario is to go to your bank. However, the days of having a dedicated bank manager who knows your business inside out and can get you the loan you need are, unfortunately, behind us in most cases. So, what’s the alternative? Instead of seeking a bank loan, you...
Read moreWhen it comes to commercial mortgages, many business owners wonder whether their personal credit score plays a significant role in the loan approval process. While commercial mortgages differ from personal mortgages in several aspects, your credit score can matter when applying for a commercial mortgage, though it will depend on the type of finance you...
Read moreIf 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...
Read morePeer-to-peer commercial funding, is a form of financing that connects businesses in need of funds with investors who are looking for attractive returns on their investments. The process typically works as follows: A business applies for a loan, either directly or through a broker such as ASC, through a peer-to-peer lending platform. The application includes...
Read moreAre you thinking of buying a pub, but you’re not sure if it’s the right decision? This article will list the top reasons why it can be a practical investment. Do you want to buy a pub in the United Kingdom? Discover why it is a smart choice from industry experts. We’ve asked our friends...
Read moreBridging finance is a short-term loan used to bridge a financial gap between the purchase of a new property and the sale of an existing property. There are two main types of bridging finance; open and closed. Open Bridging Finance has no set date for the loan to be repaid. This type of bridging finance is...
Read moreThe 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...
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