Days Beyond Terms Invoice Value

Why Cash and Cash Flow are Changing, Quickly

Why are cash and cashflow changing? The oldest phrase in business is that cash is king. That has never changed. What has changed is that for the average business cash flow is quickly becoming life and death, no delays, no hesitation. The impact is quicker and deeper than it has ever been. This statement is
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GDPR Rights related to automated decision making including profiling

Why GDPR Could Help Businesses Access Lending

Why GDPR could help your business access lending If there is one thing taking a lot of time and attention in businesses across the UK (and EU) then GDPR sits firmly at the top of the agenda. Whilst it is a headache and something that is taking valuable time, within the GDPR requirements sit a
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credit checking for cash flow

Cash Flow – Why Credit Checking Customers Doesn’t Work

Credit Checking Customers? It’s Your Cash Flow  Is pretty common these days for businesses to undertake credit checks on their customers. It is a fairly standard practice and something which is generally recommended when deciding what payment terms to offer after all cash flow is essential and understanding the risks that sit within your debtor
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HS2 route

When a Property Becomes Unmortgageable

When a property becomes unmortgageable An interesting case came across my desk recently. The client had two buy to let properties in the North West, the client himself lived on the South Coast. I received a call from the client after he had applied to remortgage the properties and after a valuation had been undertaken.
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Laffer Curve

The Laffa Curve – Buy to let mortgages

The Laffer curve I love analogies and business models that can be applied to real world scenarios. My previous favourite was the Dunning Kruger model, now I think that the Laffer Curve has taken top spot. The reason this model grabbed my attention was an article about how revenue generated by buy to let stamp
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business premises

Rent to Buy – The Business Advantage

Rent to Buy In the personal borrowing sector, there is a big argument to say that a history of paying rent should be used as proven affordability for the same level of mortgage repayment. Currently, the ability to afford rent is not considered when applying for a mortgage, the criteria and affordability tests are regulated
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