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  • Business, Government, SME

    Businesses on Tenterhooks

    Business owners around the country are bound to be on tenterhooks this week. Not only are we back in that scenario of uncertainty with the government changing guidance on what the new lockdown measures look like on an almost hourly basis, but we are also waiting to hear from Chancellor, Rishi Sunak, whether he will...

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  • Government, Loans

    Don’t miss the deadline for CBILS Applications!

    The Coronavirus Business Interruption Loan Scheme has supported many small businesses across the UK who have been adversely affected by the coronavirus. As we wrote earlier, applicants which went through a broker were 33% more likely to be successful through the scheme than if they applied by themselves. But don’t delay! The scheme is scheduled...

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  • Loans

    More than an Interest Rate!

    What is the cheapest interest rate I can get? This is a question we often get asked. And we understand why. After all the interest rate is an important number if you are trying to evaluate whether a loan is the right one for your business. But (and it may sound stupid!) there is a...

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  • Banks, Economy, Financial World, Loans

    Banks are making it difficult to get finance – is there another way?

    A survey last week by the All-Party Parliamentary Group (APPG) on Fair Business Banking looked into the main High Street Lenders and whether they were open or closed to providing SMEs with the Government’s Bounce Back Loans. In particular, whether they were open to helping customers who were not currently their clients. The results might...

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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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  • 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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  • Finance, Loans

    What do lenders want to see? Experience.

    In past blogs, we’ve talked about a number of different things lenders will look at in any application for finance. But there’s one that we haven’t covered just yet – the importance of experience. When a lender offers you a loan, they want to be as certain as possible that they’re going to get their...

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  • Finance, Loans

    We’ve got long-term and short term already – now we have long-term-short-term?

    In the “traditional” world of looking for a loan, you’ve got two sets of timeframes when you’re looking at payment schedules. The option known to most is long-term mortgages or unsecured loans. These are normally aimed to take around 15-20 years to pay off, and most businesses looking at major projects will be pursuing them....

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  • Finance, Loans

    Finance has more options than you can shake a stick at – here are a few you might not have heard of!

    When we say that the finance world is vast, we’re not being flippant. Finance is an ever-growing world, and new options to find the loan you need are being created and tested constantly. With such a vast array of ever-changing options to get the funds you need, it’s perhaps not surprising that most businesses only...

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