Loans For Business – Why So Hard?

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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Why It Pays Not To Be Too Sensitive

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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The Benefit of Business Plans

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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Computer Says No! AKA – How Does Credit Scoring Work?

  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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What Do Banks Really Mean??

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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