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Lending

  • 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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  • Banks

    Lenders, Lenders everywhere – which one is right for you?

    If you had to name every lender in the UK, do you think you could? We doubt it. When most people think of “lenders”, what they’re really thinking of is high-street banks. It’s certainly possible to name all of those, but at most that’s going to be around 20-25 different lenders. This might seem like...

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  • ASC Newsletters, Financial World

    Time Marches On – Finance is no exception to the rule!

    Attitudes change over time. That’s one of the inveterate facts of the world. What was once an outlandish and ridiculous suggestion, ten years later becomes the de facto norm. Finance is no exception to this – a fully-computerised loan process must have seemed mad when first suggested! The newest change in the status quo of...

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  • 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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