Bridging 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...
Read moreA 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...
Read moreValuations 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...
Read moreDetermining 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,...
Read moreWe 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%...
Read moreI 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...
Read moreIt 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?”...
Read moreOK, so we are probably not going to win any awards for our Valentines poetry. But that’s ok. At ASC we pride ourselves on helping small businesses, and being part of the UK’s SME community. So we wanted to take a break from telling everyone how great we are and how we can help small...
Read moreWith over 20 offices nationwide, there is always a local director to assist you
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