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
Business Borrowing Appetite, Finance Collaboration, and Company Failures – BFB 224

To open this Bulletin, we review findings from the latest SME Finance Monitor Report which reveals a continued fall in the number of businesses looking to borrow money. The spectre of Brexit and a general uneasiness about the economy appears to be haunting business owners. For those businesses which are looking to borrow then easily […]

July 21, 2018 / Comments Off
Writing a Business Plan: A Useful Framework

It can be daunting writing a Business Plan for the first time. Here is a simple framework with 4 key chapters which will help guide through writing a Business Plan.

July 19, 2018 / Comments Off
Open Banking, Barclays Small Business Finance and Accessing Asset Finance – BFB 223

At the beginning of 2018, Open Banking was launched. Designed to improve access to finance by streamlining the application process, Liberis, an alternative finance provider, has announced its first use of Open Banking technology to renew one of its client’s borrowing facilities. The banking revolution is now underway. Barclays Bank has announced two new initiatives […]

July 14, 2018 / Comments Off
Business Borrowing Apathy, Business Confidence and Equity Finance – BFB 222

We open our latest Bulletin with findings from a new survey undertaken by the British Chamber of Commerce which reveals that businesses continue to shun debt. Other than taking on finance to support day-to-day cashflow, the report highlights how businesses are becoming apathetic towards debt, particularly for medium to long-term investment. The key reason for […]

July 7, 2018 / Comments Off
Franchise Finance, Business Borrowing Levels, Business Savings Accounts – BFB 221

Buying a franchise is a way of minimising the risk when starting a business. However, funding the purchase can be a challenge. To open our latest Bulletin, we look at news that Hitachi Capital has acquired Franchise Finance Ltd which provides hands-on support to people looking to buy into a franchise. Continuing a trend emerging […]

June 30, 2018 / Comments Off
Angel Investors, Funding Circle’s Impact and Business Borrowing Appetite – BFB 220

Accessing finance via Angel investors is one source of growth finance. Who are these investors and what do they look for when taking a stake in a business? To open this Bulletin, we look at the latest annual Angel investor review undertaken by the British Business Bank and the UK Business Angels Association. Since its […]

June 23, 2018 / Comments Off

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