recovery loan scheme venn diagram

Why Use Recovery Loan Scheme?

Reasons Why Recovery Loan Scheme Works Let’s start with the obvious. The Coronavirus Business Interruption Loan Scheme (CBILS) was a one off, really good, never to be repeated loan scheme so anything you compare to that is going to leave you disappointed. What you need to do is compare what the Recovery Loan Scheme offers
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business lending misconceptions

Misconceptions About Business Finance

Not A Lot Of People Know That The best way to demystify a few misconceptions about business lending is to start by quoting Michael Caine. Whilst I can’t promise this will blow your blo*dy doors off, it may make you think a little differently. I Never Used To Use Amazon Roll the clock back 10
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lost in transalation 1

Lost In Translation

Why Lenders and Borrowers Fail to Understand Each Other Having been a credit underwriter and worked in the commercial lending sector it is easier to take a step back and look at what the lender hears when the borrower says something. I hear the message from my clients but a lender commonly hears something totally
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credit repair lightbulb

Solving & Repairing Credit

Solving & Repairing Credit Credit scores? I argued for a long time that credit scores don’t actually exist. All lenders take a view on what is and isn’t acceptable to them. The more interesting part is the detail that makes up the credit rating. That still stands. However, more and more suppliers, as well as
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CBILS to RLS

The Solution For When CBILS Repayments Bite Back

When CBILS Bites Back CBILS finally ended on 31st March 2021, as of June 2020 £38bn had been advanced to 910k businesses. Between now and March 2022 businesses will need to start making repayments to these loans or seek agreement from their lender for special terms outside of the standard CBILS scheme. Many of these
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mortgage arrears statistics

The Mortgage Arrears Dilemma

The Mortgage Arrears Dilemma A recent report highlighted the increase in severe mortgage arrears had increased 16% from Q2 2020 through Q2 2021. Severe mortgage arrears are those loans where the arrears balance is between 2.5% and 5% of the loan total. Buy to let mortgage arrears in the same category have increased 134% in
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rental yields flat

Rentals incomes on the move

Rental Incomes on The Move It seems to have been a rollercoaster ride for the residential rental sector over the last 18 months, leading us to a place where very few would have predicted when the pandemic began. Back at the start of the pandemic we saw lenders withdraw, nervous of job losses, voids and
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