Business Finance Blog

What have the new lending changes meant for BTL investors?

With cuts to the tax breaks and allowances in 2016, maintaining and investing in buy to let property has become much more awkward and harder to turn a regular profit in. Tax changes made it especially difficult for higher tax band payers, and the new PRA lending changes brought in in 2017 are set to…
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The 3 Ways You Can Fund Trade Capital Gaps

If you are a UK or Global business that buys and sells goods and services, you will be familiar with the need to bridge gaps in cash flow or funding requirements, either from time to time, or on an ongoing basis. We are going to discuss some interesting new options, how this increasingly fragmented finance…
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Post Brexit Update: UK Property Development Finance

Brexit is a quite unprecedented moment for the UK economy, with every sector trying to understand the impact as the weeks and months go by. Property Developers looking for funding are anxiously wanting to know whether rates and terms will impacted upon as credit teams around the country analyse and assess. As a development finance business,…
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4 Revealing Development Finance Insights

This excerpt is taken from our recently launched Development Finance Guide, and provides property developers with 4 unique insights (out of 11 in the Guide) into the Development Finance marketplace today: 1. Why selecting Lenders by their Interest Rate is an inaccurate & misleading practice Most will understand that the headline rate offered by any lender is…
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The New Breed of Supply Chain Finance

For many global trading businesses, funding the gap between paying the supplier and receiving payment from the customer continues to frustrate. Whilst new products have entered the marketplace, the continuing frustration from borrowers relates to the lack of a mid market product, the ability to fund multi-million Pound/Dollar contracts as well as a constantly restrictive approval…
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The 9 Secrets to finding hidden funding sources

It used to be so easy, and fairly quick, to source funding for your business. In fact there was hardly any trouble. A handful of well known banks and major niche lenders and you took your pick. Post 2008 and now it’s not so easy. There are not only a lot more options that are growing…
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How to Compare Business Finance Products

One of the hardest aspects for businesses looking for funding is the ability to compare all of today’s options in an effective manner. More and more products are entering the marketplace, and there is some real variety in how they are structured. It's therefore important to know how to analyse and compare. Below are my…
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Manufacturers: Funding Component Purchases

A major change has happened recently in trade finance that now allows a whole new sector in the supply chain to get access to funding. That sector is the manufacturing industry. It has long been known in the trade finance game that lenders in this arena will usually only fund the purchase of stock as…
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How Banks Assess Your Business (and why you need to know)

I’ve thought for a while that an article should be written on how the banks actually assess businesses when applying for overdrafts, mortgages and loans. Why? As yet, I don’t believe this has been written about properly, and with better information to hand, there is an opportunity for businesses currently struggling to put a plan…
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The Emergence of Export Finance (and how to unlock it)

For firms that are involved in importing and exporting goods, there has always been access to import finance, but rarely export finance. But this is now changing rapidly. Firms can now look to fund not only the purchase of finished goods, but also the purchase of raw materials along with the funding of their overseas…
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