Posts Tagged ‘business confidence’

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

Posted on: September 23rd, 2017 by blsuser1 No Comments Tags: , , , , , , , , , , , , , , , , , , ,
Posted in Business Finance Bulletin

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 growing business. Arbuthnot Latham Bank has recently opened an office in Bristol as an addition to their office in Exeter, to cover the South West and we take a peek at how they can help businesses with their commercial finance requirements.

Finally, we review the latest FSB Small Business Index survey which highlights that small businesses are feeling much less confident that they were a year ago. What is holding them back?

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.

Hire Purchase Made Easy, Business Confidence and Saying ‘No’ to Contracts – BFB Epsd 175

Posted on: July 1st, 2017 by blsuser1 No Comments Tags: , , , , , , , , , , , , , , , ,
Posted in Business Finance Bulletin

A popular source of finance to fund the purchase items such as plant and machinery is Asset Finance but businesses are often put off by its perceived complexity. In this Bulletin, we look at a new streamlined Hire Purchase application process launched by Hitachi Capital designed to make the task easier.

We live in uncertain times and this is demonstrated by the mixed messages coming out on business confidence. We review two recent surveys which demonstrate that that some businesses are buoyant about where they are now and the future, but others less so.

Savvy business owners know when to say ‘no’ to a new contract. That’s the finding from a recent survey which reveal three key reasons why a business would refuse to take on a piece of work. Are you confident enough to turn away work if it could potentially damage your finances?

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.

Business Confidence, Small Business Funding Gap & Corporate Insolvencies – BFB Epsd 168

Posted on: May 13th, 2017 by blsuser1 No Comments Tags: , , , , , , , , , , , , , , , , , , ,
Posted in Business Finance Bulletin

Small businesses are continuing to shrug off any feelings of negativity. These are the findings of a new survey undertaken by the ICAEW and in this Business Finance Bulletin we look at the one thing emerging as a key challenge for businesses.

Although Brexit is some way off, businesses and organisations are considering what the economy will look like post-exit. We review a new report from the FSB which focuses on availability of finance and highlights a significant small business funding gap from 2021 onwards.

Despite high confidence levels, corporate insolvencies are on the rise. We take a look at the Quarter 1 statistics from the Insolvency Service and consider what’s behind the increase.

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.

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.

Late Payment Regulations, Business Confidence and Rising Cost and Association of Alternative Business Finance – BFB Epsd 163

Posted on: April 7th, 2017 by blsuser1 No Comments Tags: , , , , , , , , , , , , , , , ,
Posted in Business Finance Bulletin

Tackling late payment to help small businesses with mounting cashflow problems has been a focus for the government. In this latest Business Finance Bulletin, we look at new regulations now in force designed to keep pressure on larger businesses to pay on time.

With Brexit underway, a survey from Ratesetter Business Finance reveals that small businesses appear to be resilient and confident when it comes to growth and investment plans. We also look at research from Barclays Bank on how small businesses are reacting to rising costs.

Finally, we share news from the recent formed Association of Alternative Business Finance on three new additions to its membership to bolster its aim of improving transparency and standards in the industry.

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.

Profit Improvement, Business Finance & Growth, Funding Circle Milestone – BFB Epsd 157

Posted on: February 24th, 2017 by blsuser1 No Comments Tags: , , , , , , , , , , , , , , , , , , ,
Posted in Business Finance Bulletin

Whilst small businesses can sometimes beat the bigger players in the market, occasionally we can learn a trick or two from them. In this edition of the Business Finance Bulletin, we take a look at strategies being employed by Chief Financial Officers to boost their company’s performance. What tips can you take action on?

How do small business owners view the finance market and their growth prospects? That’s a question posed in the latest Business Finance Survey carried out by the British Business Bank. Not surprisingly, the survey reveals positive news… and less positive expectations when looking ahead.

To close the Bulletin, we share news on a new milestone reached by peer-to-peer lender, Funding Circle, in terms of the amount it has lent to small businesses.

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.

Start Up Loan Hotspots, Interest Rate Comparison Tool and Rising Costs – BFB Epsd 155

Posted on: February 10th, 2017 by blsuser1 No Comments Tags: , , , , , , , , , , , , , , , , , , , ,
Posted in Business Finance Bulletin

Getting finance for a start up business has always been tough but with the Start Up Loans Company, the pain has been eased. In this Bulletin, looking back on the loans they made in 2016, which UK start up hotspot cities have taken advantage of the loans available?

Different methods of calculating interest rates can make comparing finance options a challenge. We take a look at a new online tool from short term lender Fleximize, which can help you compare finance offers on a like-for-like basis.

The latest SME Confidence Tracker survey from Bibby Financial Services reveals the top three challenges facing UK manufacturers. The top slot is taken by concern about rising prices but other constraints are also weighing heavy on the minds of UK SMEs.

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.

Funding Circle Investment, SME Borrowing Appetite and Business Confidence in 2017- BFB Epsd 151

Posted on: January 13th, 2017 by blsuser1 No Comments Tags: , , , , , , , , , , , , , , , , ,
Posted in Business Finance Bulletin

In the latest Business Finance Bulletin we start by looking at news from Funding Circle of £40m from the British Business Bank to invest in business loans alongside private investors. In addition to this there’s news of £82 million raised to support Funding Circle’s growth plans.

How hungry are small businesses to borrow money in 2017? That’s a question posed by Zurich in their latest SME Risk Index survey. Are businesses looking to borrow more or less than in 2016?

To close, we take a look at separate findings from the Federation of Small Businesses and Smith and Williamson on how confident small business owners are entering 2017. It’s clear that many are choosing to ignore any gloomy economic messages.

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.

Asset Finance & Bank Lending, Business Confidence and Late Payment – BFB Epsd 149

Posted on: December 16th, 2016 by blsuser1 No Comments Tags: , , , , , , , , , , , , , , , , , , ,
Posted in Business Finance Bulletin

In this Bulletin, we kick off with our monthly round-up of how lenders are supporting businesses in terms of accessing finance. We look at the latest figures from the Asset Based Finance Association which reveal record business being written by the asset finance sector and levels of support given by the traditional High Street banks.

We review research from Aldermore Bank which shows that business confidence continues to define expectations with SMEs positively looking forward to 2017. How are they planning to expand?

The government is finally beginning to share the rules and regulations they plan to implement in 2017 to curb the late payment epidemic. We look at the steps they will be taking with effect from 1st April 2017 and no doubt large businesses will be concerned about another set of bureaucratic rules to follow!

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.

Autumn Statement, Business Confidence and Regional Funding with Market Invoice- BFB Epsd 148

Posted on: December 2nd, 2016 by blsuser1 No Comments Tags: , , , , , , , , , , , , , , , , , , , , , , ,
Posted in Business Finance Bulletin

The recent Autumn Statement saw the Chancellor announcing two initiatives to assist growing businesses. In this Business Finance Bulletin, we look at support the Chancellor is giving to boost exports and of the additional funding granted to the British Business Bank for businesses in search of equity finance.

New research carried out by Axa Business Insurance reveals that small businesses remain relatively buoyant in 2016 but as we discuss, 2017 looks less certain.

We are seeing more finance schemes designed to get funding to businesses in certain geographical areas. In this Bulletin, we look at an announcement from Market Invoice of its tie up with the Leeds City Region Enterprise Partnership which will see up to £2 million available to Leeds-based business via invoice discounting.

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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