Posts Tagged ‘Bank Referral Scheme’

Managing Working Capital, Bank Referral Scheme & Business Confidence – BFB Epsd 167

Posted on: May 6th, 2017 by blsuser1 No Comments Tags: , , , , , , , , , , , , , , , , ,
Posted in Business Finance Bulletin

The one problem that comes along with growth is finding the right balance between having too much or too little cash tied up in working capital. In this Business Finance Bulletin, we look at a survey which reveals how much surplus working capital businesses are carrying.

The Bank Referral Scheme, which was launched late last year to help SME improve their access to finance, appears to have stumbled. We look at news that the government has instigated a review into why banks are not referring on enough clients who don’t meet their criteria.

To close the Bulletin we share findings that UK business confidence is at a 4-year high with SMEs appearing to shrug off any doubts about a lacklustre year ahead.

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In the Bulletin we mention three other videos to look at on how to manage your working capital:

How to Calculate Your Stock Turnover Ratio

How to Calculate Your Debtor Days Ratio

How to Calculate Your Creditor Payment Ratio

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If you would prefer to listen to the podcast version you can click below or download to listen to later via our Soundcloud, Stitcher or itunes channel.

Bank Referral Scheme Launch, Insolvency on the Up, SME Finance Updates – BFB Epsd 144

Posted on: November 4th, 2016 by blsuser1 No Comments Tags: , , , , , , , , , , , , , , , , , , ,
Posted in Business Finance Bulletin

After 18 months in the planning the government’s Bank Referral Scheme has been launched. In this episode of the Business Finance Bulletin we look at how the scheme is designed to improve small business access to finance.

Despite post-Brexit confidence remaining relatively high we take a look at the latest statistics from the Insolvency Service, which reveals an up-tick in the number of businesses going down the insolvency route.

On a more positive note we close the Bulletin looking at news from the Bank of England that bank lending to small businesses continues to rise. We also share news from Crowdcube on how they are supporting a record number of businesses looking to raise finance by selling equity.

If you would prefer to listen to the podcast version you can click below or download to listen to later via our Soundcloud, Stitcher or itunes channel.

Mixed Messages on Business Confidence, Bank Referral Scheme, Commercial Mortgage Warning – BFB Epsd 139

Posted on: September 30th, 2016 by blsuser1 No Comments Tags: , , , , , , , , , , , , , , ,
Posted in Business Finance Bulletin

In this Business Finance Bulletin, we look at the mixed messages coming out about business confidence amongst small business owners with a survey from the FSB which features both bad news and good news.

Much has been made of the Bank Referral Scheme which will see banks referring businesses they can’t assist on to a panel of government-approved funding platforms. We look at how the scheme is taking shape.

When you take a commercial mortgage from your bank you may think that’s it. However, following a call for help from a business owner, we share one thing you should watch out for if you unwittingly change the basis on which your commercial mortgage was agreed.

If you would prefer to listen to the podcast version you can click below or download to listen to later via our Soundcloud, Stitcher or itunes channel.

Help to Grow, Tax Investigations, Credit Reports & Bank Referrals – BFB Epsd 123

Posted on: May 27th, 2016 by blsuser1 No Comments Tags: , , , , , , , , , , , , , , , , , , , , , , , , ,
Posted in Business Finance Bulletin

In this Business Finance Bulletin, a look at the launch of the British Business Bank’s ‘Help to Grow’ scheme with £30m of loans being channelled through Lloyds Bank aimed at helping high growth and innovative firms.

New research from UHY Hacker Young has revealed how small businesses are taking a disproportionately high share of fines imposed by HMRC compared to their larger counterparts. We take a look at why that is.

It’s important you know what’s contained in your Credit Report and yet according to a recent survey carried out by Which, a large number of people have never looked at their report. We explain why you should do so when it comes to borrowing money.

And to close we have news from the Royal Bank of Scotland on how it’s going to signpost businesses it can’t help to alternative lenders via its new Capital Connections platform. It’s all part of the government’s drive to encourage banks to offer alternative lenders if they say ‘no’.

If you would prefer to listen to the podcast version you can click below or download to listen to later via our Soundcloud, Stitcher or itunes channel.

The Budget & Small Business Finance, Just Cashflow, Crowdfunding Awareness – BFB Epsd 113

Posted on: March 18th, 2016 by blsuser1 No Comments Tags: , , , , , , , , , , , , , , , , , , , , , , ,
Posted in Business Finance Bulletin

In this episode of the Business Finance Bulletin a look at the announcements in this week’s Budget focusing on small business finance issues. There’s news of a fund for growing businesses, Help to Grow, an extension of the Enterprise Finance Guarantee programme and a further step forward in the launch of the Bank Referral Scheme.

When comes to dealing with finances time is also short and that’s why clients of alternative lender Just Cashflow can now benefit from the launch of a new mobile app. We take a look at how it can help time-stretched business owners.

Concluding our look at the findings from the latest SME Finance Monitor report we review small businesses attitude to debt and awareness levels of alternative funding sources such as crowdfunding.

In the Business Finance Tip of the Week a signpost to a video on how to calculate and use the Stock Turnover Ratio to improve your stock management and boost your cash position.

If you would prefer to listen to the podcast version you can click below or download to listen to later via our Soundcloud, Stitcher or itunes channel.

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  • Rob kindly agreed to attend the recent Pontypridd RFC sponsors networking evening and delivered what can only be described as an excellent talk on 5 Tactics to Boost Your Business and Your Profits. He kept the audience engaged throughout and the feedback from everyone was excellent. Rob is very knowledgeable on business and finance and on top of that is a genuine nice guy. We hope to have him back at a future event and I have no hesitation in recommending Rob’s services.

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    Kay Hyde | Hyde & Hyde Architects
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    Gaz Jabeen | Bollywood Burn Out
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    Max Cooper of Manchester

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