Banks and Business Continue to be Cautious When it Comes to Credit

The latest quarterly Credit Conditions Survey from the Bank of England for Quarter 3 2018 reveals that both bank and businesses appear to be adopting a cautious stance when to comes to lending and borrowing. This quarterly survey of bank and building society lenders is to assist the Bank of England in understanding trends and […]

October 12, 2018 / Comments Off
Businesses Cautious on Borrowing, Curbing Late Payment and Regional Angel Investors – BFB 229

A recurring theme in recent Bulletins has been emerging evidence of reluctance among small business to borrow and this trend is a highlight of the latest SME Finance Monitor Report. The report also reveals the top three issues which are of most concern to small businesses. Is access to finance still an issue? Late payment […]

October 6, 2018 / Comments Off
Why Businesses Borrow, Small Business Confidence and Crowdcube Milestone – BFB 228

Of those businesses which borrow money, what do they typically spend it on? To open this Bulletin, we review findings from Liberis, the short term lender, when they posed this question to their clients. The feedback reveals a variety of uses for finance raised, however one reason given does flag up a potential area of […]

September 29, 2018 / Comments Off
Peer-to-Peer Lending Continues to Grow

The alternative finance market continues to power ahead in terms of support provided to businesses and individuals. The latest figures released by the Peer-to-Peer Finance Association (P2PFA) reveals that the peer-to-peer lending industry lent £750 million which brings the total lent by its members to just under £10 billion. The P2PFA was established in 2011 […]

September 28, 2018 / Comments Off
Mandate Fraud, Accessing Growth Finance and HSBC’s 2018 SME Fund – BFB 227

Financial fraud can be complex but sometimes a fraud can be relatively simple. We open our latest Bulletin with findings from research undertaken by RSM into the rising frequency of mandate fraud. What is it and what can you do to avoid being taken in by this fraud? According to a new survey carried out […]

September 22, 2018 / Comments Off
Barclays and Marketinvoice, Company Insolvencies, and Business Borrowing – BFB 226

In recent Bulletins, we have shared news of various collaborations between finance providers. The latest is an announcement from Barclays Bank of a tie-up with online Invoice Discounting firm MarketInvoice. This is another example of Old World meets New World. The most recent statistics to Quarter 2 2018 on company insolvencies has been released by […]

August 4, 2018 / Comments Off
British Business Bank Finance, Support for Vulnerable Businesses, and Mid-Size Business Optimism – BFB 225

We often share news of how the British Business Bank has supported lenders by providing funding for on-lending to growing businesses. We open this Bulletin by taking a look at the British Business Bank’s contribution to improving access to finance as detailed in their latest Annual Report. New research carried about by the Lending Standards […]

July 28, 2018 / Comments Off
What is Loan to Value?

If you have ever applied for a Commercial Mortgage to purchase a property, your lender may have quoted a maximum Loan to Value or LTV. What is this and why would your lender restrict the amount they will lend to you?

July 25, 2018 / Comments Off

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