Why SMEs Won’t Borrow, Arbuthnot Latham Bank, and Business Optimism – BFB Epsd 183

Continuing our review of the findings from the latest SME Finance Monitor report, we look at what is holding small businesses back from borrowing. The survey revealed four reasons why businesses feel uncomfortable in taking on debt. Whilst many businesses think that lenders are reluctant to support businesses, one bank is actively looking to assist […]

September 23, 2017 / Comments Off
Small Business Borrowing Appetite, Asset Finance and North West Business Growth Fund – BFB Epsd 182

Is appetite amongst small businesses to borrow money on the wane? According to the latest SME Finance Monitor Report this is the case. We take a look at how more business owners are opting out of taking on debt in favour of pursuing a ‘slow growth or no growth’ strategy. On a more positive note, […]

September 16, 2017 / Comments Off
Late Payment, Small Business Borrowing and Watching Your Credit File – BFB Epsd 181

Late payment is a continual challenge for small businesses and a recent survey carried out by Zurich lays the blame at the door of the larger businesses. We share the findings of this latest research and what you can do to combat suffering from late payers. With many people being uncertain about the current performance […]

September 8, 2017 / Comments Off
Demand for Small Business Borrowing Slips but Success Rates Are Up

The latest ‘Voice of Small Business Index’ from the FSB for Quarter 2 to June 2017, shows that only 14 per cent of small firms applied for external finance in the three months to June. The FSB commented that the low figures are being driven by lower investment intentions and confidence levels on the back […]

August 25, 2017 / Comments Off
How Do Banks Assess Your Finance Request? The CAMPARI Framework – Part 2

Once again, as we’re in the middle of the holiday season, we’re still on our brief break in our usual weekly Bulletins. Following on from last week’s look at “How Do Banks Assess Your Finance Request?”, we now move on to Part 2. As outlined in Part 1, when applying for business finance, it’s useful […]

August 19, 2017 / Comments Off
How a Bridging Loan Helped Save a Business

Have you ever wondered how a Bridging Loan can help a business? Last week we demonstrated exactly how such a finance facility can be used by helping a business secure its future. BLS’ Sue Lewis was approached by an Accountant asking if she could help his client. The business was faced with an uncertain future […]

August 14, 2017 / Comments Off
How Do Banks Assess Your Finance Request? The CAMPARI Framework – Part 1

When applying for business finance, it would be useful to understand what lenders are looking for. In this first of videos, I will be sharing a framework which guides banks when assessing a finance request. Understanding the framework, referred to as CAMPARI, means you can be better prepared when presenting your request. In Part One, […]

August 12, 2017 / Comments Off
Buy To Let Mortgages – Important Changes to Borrowing Assessment

Here is a useful overview from Shawbrook Bank on the changes being implemented on 30th September 2017 in respect of Buy to Let mortgages for those landlords holding more than four properties. The changes, which are being brought in by the Prudential Regulatory Authority (PRA), will make it more onerous in terms of the information […]

August 7, 2017 / Comments Off
Business Loan APRs, Businesses in Financial Distress, and Peer to Peer Lending Figures – BFB Epsd 180

A year after a Competition and Markets Authority report on transparency in the finance services market, lenders to small businesses are now required to quote an APR on lower value loans. Will it help boost competition? More evidence that businesses are beginning to feel the strain with the latest Red Flag Alert report from Begbies […]

August 5, 2017 / Comments Off
Small Business Challenges, Finance Raising Feedback and Keyman Insurance Cover – BFB Epsd 179

Early signs are coming through that some small business owners are beginning to experience a downturn. To start this Bulletin, we review the latest survey from Bibby Financial Services as part of its regular SME Confidence Tracker series which sets out a number of challenges business owners say they are facing. When it comes to […]

July 29, 2017 / Comments Off

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