In this episode of the Business Finance Bulletin Rob Warlow from Business Loan Services reviews the government’s latest moves to curb late payment by launching a consultation paper on the creation of the proposed conciliation service.

Late payment often affects the small time trades sector who can get caught by having to wait many weeks when customers don’t have sufficient cash with them to settle bills. Rob looks at new mobile payment service designed to combat this problem.

Turning to crowdfunding, Rob has news of initiatives brought out by ReBuildingSociety and Funding Circle to boost awareness and usage by both businesses and investors.

And in the Business Finance Tip of the Week Rob shares a salutary lesson about being prepared when it comes to raising finance.

If you prefer to listen to the podcast version click below or click the download symbol to access on your phone. You can also access the Bulletin via our itunes channel.

In the latest Business Finance Bulletin episode Business Loan Services’ Rob Warlow looks at the latest Business in Britain survey from Lloyds Banks which reveals the strong level of business confidence and the one key issue which is holding businesses back.

On the alternative finance scene Rob talks about findings from small business finance company Liberis on how SMEs are sourcing finance and what success they are having.

Staying with alternative finance a look at the latest statistics from the Peer to Peer Finance Association which show further growth in the level of finance support by P2P platforms… but is there a slight blip in the amount lent to small businesses?

And in the Business Finance Tip of the Week Rob looks at the short term loan market and how it can help those businesses which have temporary cashflow gaps.

If you would prefer listening to this episode of the Business Finance Bulletin then check out our podcast version by click or downloading below via our Soundcloud channel or via our itunes channel.

In the latest Business Finance Bulletin episode Business Loan Services’ Rob Warlow looks at the new government £100m Housing Growth Partnership scheme launched in conjunction with Lloyds Bank. The scheme is designed to boost house building via improving access to finance.

It’s surprising the number of businesses which are holding large amounts of surplus cash according to a survey by challenger bank Hampshire Trust Bank. Are you one of them and could you be earning a better return?

Rob looks at the announcement from Sage, the accounting software provider, of its tie up with Market Invoice and Funding Circle to provide clients with access to alternative sources of finance.

Staying with alternative funding Rob shares news of crowdfunding platform Funding Empire having new majority shareholders which signals growth for this platform.
And in the Business Finance Tip of The Week Rob looks at market disruptors and crowdfunding.

If you prefer to listen to the podcast version the you can either click below and download and also subscribe via our itunes channel.

In the latest Business Finance Bulletin episode Business Loan Services’ Rob Warlow looks at a survey from Bibbys Financial Services which reveals the sources of finance that business owners are tapping into.

The SME Finance Monitor Report is quarterly survey on the state of the small business finance market and Rob continues his look at its findings. The question posed is how successful are business owners in getting a ‘yes’ from their bank? The answer may surprise you.

In terms of raising money from banks Rob also shares a conversation he had with a business owner on why asking your bank for too little can work against you.

And in the Business Finance Tip of the Week a clip from an interview in which Rob discusses why it’s important to know that banks are keen to understand exactly why you want to borrow and how the finance you are requesting will be used.

If you prefer to listen to the podcast version click below and you can also download this episode to your phone or subscribe to get future episodes via our channel on Soundcloud or itunes.

In the latest Business Finance Bulletin episode Business Loan Services’ Rob Warlow looks at how business owners are becoming more aware of alternative finance and willing to consider it as an option to obtain funding. Rob also shares news from Funding Circle of their new bridging loan product.

The Funding for Lending Scheme, launched by the government in 2012 to boost lending to small businesses, may not have been roaring success, but Rob looks at statistics which shows signs of improvement in usage by the banks involved in the scheme.

A clean Credit Report is one thing a lender will look for when assessing a finance request but such don’t necessarily provide a complete picture… until now. Rob shares news from Experian on how additional information now being shared will provider lenders with a better understanding of an applicant’s financial position.

In the Business Finance Tip of the Week Rob chats with Gareth Pritchard of Lloyds Bank Commercial Finance in which talks about the key features of Invoice Discounting.

You can also listen to this week’s edition in a podcast version by clicking below to listen or download. You can also subscribe via our itunes channel.

In the latest Business Finance Bulletin episode Business Loan Services’ Rob Warlow looks at the news of collaboration between crowdlender Funding Knight and short-term alternative lender Just-Cashflow to assist growing businesses.

Looking at the crowdfunding industry as a whole, Rob looks at statistics from the Peer to Peer Finance Association on finance raised by its members during the first quarter of this year which reveal a continued growth surge.

Rob also looks at evidence of a steady improvement in the economy with news that the overall number of company insolvencies is on the way down according to official government statistics.

In the Business Finance Tip of the Week Rob chats with Santander’s Paul Brooks, Business Development Director, Wales about the bank’s Breakthrough Programme designed to help growing businesses with a variety of support schemes.

You can also listen to a podcast version of this Bulletin via either itunes or our SoundCloud page or simply listening in below.

The latest update from the Peer to Peer Finance Association shows that crowdfunding continues its stellar growth. Figures for the 1st Quarter of 2015 reveal that the industry lent out £459,000,000, compared to £346,000,000 in the 4th Quarter of 2014

That’s an increase of 33%… growth rates the banks can’t touch!

But let’s look closer at what else is happening.

Let’s start with the lenders… the people who are handing over their cash. At the end of Quarter 4 2014 there were 105,101 lenders. At the end of March 2015 there were 111,255

That’s an increase of 6%.

What about the borrowers?

At the end of Quarter 4 2014 there were 139,749 borrowers and at the end of March 2015 there were 159,083.
That’s an increase of 14%

It’s clear that more businesses and individuals are seeing the benefits of crowdfunding.

If you want to know how you can access finance for you business via crowdfunding you can find more information on our crowdfunding page.

In the latest Business Finance Bulletin episode Rob Warlow looks at the latest result from the Begbies Traynor Red Flag report which provides insight into how businesses see their financial condition in the first quarter of 2015.

Having the right skill set within a business is often cited as one of the barriers to growth and Rob looks at a new programme from Close Brothers, the asset-based lending bank, and the University of Sheffield designed to support businesses looking to take on apprentices.

With many alternative providers of finance looking forward to 2016 when banks will be required to pass on clients they cannot assist, one alternative funding platform reveals the extend of help they think UK small businesses will need.

In the Business Finance Tip of the Week Rob chats with sales mentor , author and international speaker Steve Clarke about whether there is any difference between selling products to customers and selling your idea to your bank.

If you would like the podcast version to listen to either on your phone or in the car click below to either listen to or download.

In the latest Business Finance Bulletin Rob Warlow looks at the forthcoming launch of country-wide Venture Funding Hubs which will provide free advice to businesses wanting to know more about crowdfunding and how it works.

Turning to conventional sources of funding Rob looks at the latest bank lending figures which perhaps not surprisingly show a further fall in the total amount outstanding to UK businesses. However, there is a glimmer of some good news.

What banks are looking for in a finance request is the subject of a recent review, The State of Business Finance, carried out by the Association of Chartered Certified Accountants and Rob shares the one message this report has for banks.

Whether businesses actually want to borrow is a topic that is rarely looked at but as Rob discusses there is a large section of the UK business market that have no interest in borrowing. In a clip from a live seminar Rob looks at the key reasons why business owners say they are not interested in looking for finance.

If you prefer to listen to this week’s Bulletin you can download it as a podcast via our Soundcloud page. To listen now click below or click the download image to save to your PC or phone.

In the latest Business Finance Bulletin Rob Warlow looks at a report from Aldermore Bank on the UK business savings account market.

Rob looks at the news from online invoice trader Market Invoice of its partnership with the Greater Manchester Combined Authorities to help Manchester-based business release cash tied up in invoices.

This week’s Bulletin was filmed in North Wales and Rob outlines a seminar he is running for members of the ACCA, the accountancy body.

Rob also discusses a report from Barclays and Business Growth Fund on the rise in the number of UK businesses.
And in the Business Finance Tip of the Week Rob shares a tip he overheard whilst standing on a railway station.

You can also listen to this week’s Bulletin as a podcast. Either click the image or download the track via our SoundCloud page.