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Lending

  • Banks, Financial World, Loans

    Are unsecured loans really a “poison pill”?

    There are many different ways to get a loan. We’ve talked about a number of them in these blogs, and you’ll find even more on our website. However, the financial process has another part to it – security. Security is a deceptively complex topic, with a lot of different interpretations to be had. So, here’s...

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  • Banks, Finance, Financial World, Loans

    A Universal SME Finance Platform – Ideal Future, or a Pipe Dream?

    Lenders aren’t homogeneous. That’s one of the big challenges of SME finance. Different lenders will want things presented in different ways. We won’t lie, it can make for a challenging process sometimes where you have to re-arrange an application every single time you put it forward. A lot people think that should change. At an...

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  • ASC Newsletters, Finance, Financial World

    AI and Fintech – Can you trust a computer with your loan?

    There’s a strong argument being made to start leaving many major finance decisions to AI. An AI can react faster, spot trends sooner and analyse more data than any human – it’s easy to see why it’s a sensible decision. But is this wise for the broking world, where personality can mean so much? Fintech...

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  • Banks, Finance, Loans

    Bad Lender, Bad Loan, Bad Luck

    The lender is the linchpin of every finance deal. This might seem like a stupid statement to make – of course business finance relies on the person who provides the money! But what we mean isn’t that you need a lender to make a loan – it’s that you need the right lender to get...

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  • Financial World

    Experience and Understanding – Always Necessary!

    Nobody knows a business like its accountant. Their knowledge of a business’ books and finances means they have a better understanding of the exact situation a business is in than any other employee. This puts them in a unique position when it comes to business finance – their understanding of a business means they can...

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  • Banks, Finance, Financial World, Loans

    Knowledge at Your Fingertips

    The modern world runs on data analysis. Everything from stocks and finance trading to marketing and advertising runs on a foundation of solid data that helps direct decisions and focus attention on how a company’s actions impact its business offering. Whilst not as data-derivative as, say, stockbroking, the lending world is no different in this...

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  • Banks, Economy, Financial World, Government, Loans

    Basic Opinions

    It’s no secret that lenders live and die by their interest rates. Exactly what interest rates a lender charges has a major impact on potential clients. As such, a change in the Bank of England’s base rate is a serious event. If the base rate rises, it could mean more profit, but if their rates...

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