Growth Voucher Approved We are delighted to have been vetted and approved as a Government Approved Growth Voucher advisor. This means that if you are looking for any of the following, then the Government will provide up to £2,000 of match funding through the Growth Voucher scheme; Loan Finance Cash Flow Finance Mortgage Finance Growth
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New Business Ideas The small business has one advantage over it’s large corporate cousins. It can adapt, be innovative and apply those innovations at short notice. This flexibility and adaptability is the USP the small business has, after all small businesses are built on the ability to meet a gap in the supply/demand chain. Small
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Loans For Business We hear enough about government initiatives and schemes to make banks lend more to the small business. However we never really seem to see a great shift in delivery or genuine desire to lend to the SME sector. There are often good reasons why loans for business are declined, refused, knocked back
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Sensitivity Analysis ‘Sensitivity Analysis’ may sound a scientific or complicated term, but really it is very simple but too often misunderstood or ignored. Here we look at how the business owner and lender view sensitivity differently, and how unless one understands the other it will end in tears. OK, What is it? Many businesses will
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Business Plan, I remember having one of those when I first started… I cannot remember how many times we hear a quote like that. The real conundrum here is the question of what is a business plan? Not what it tangibly is, but what the point and benefit of it are to the business. Airfix
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We have worked with a number of clients recently who had taken a commercial loan from their bank in the last few years. So What is The Risk, I Have Made All The Repayments? This is a common misconception, that if all the repayments have been made then there is nothing more to be
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Computer Says No, or What Is Credit Scoring? We often get asked this, or rather asked to explain how the decision made by the bank has been arrived at. Firstly, Credit Scoring is a statistically based system which judges each proposal on a set of criteria driven from past experience. It doesn’t judge you
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We often find clients asking us why they have been asked something by their bank, or being asked to provide something they have never been asked for previously. Here we try to shed a little light on things, and give you some insider information… Can I Have a Business Plan? Normally asked in conjunction with
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