Posts Tagged ‘business borrowing’

Small Business Finance Survey, Monzo Business Accounts and Finding Finance – BFB 245

Posted on: February 16th, 2019 by blsuser1 No Comments Tags: , , , , , , , , , , , , , , , , , ,
Posted in Business Finance Bulletin

We open our latest Bulletin with a look at findings from the annual Small Business Finance Markets survey carried out by the British Business Bank. The report confirms recent reports that small businesses seem reluctant to borrow with all types of finance options seeing flat or slower growth.

Good news for business owners from mobile-only bank Monzo with the launch of a business account later in the year. Find out how you could be one of 100 business who have a say in shaping the new account.

Finding finance can be a time-consuming task. To help speed up the process the National Association of Commercial Finance Brokers has announced a service to assist businesses source a finance broker in their locality.

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.

Brexit Funding, Asset Finance Support and Bank Lending to Business Figures – BFB 232

Posted on: October 27th, 2018 by blsuser1 No Comments Tags: , , , , , , , , , , , , , , , , ,
Posted in Business Finance Bulletin

As we get closer to the Brexit deadline, thoughts are turning to potential support businesses will need in a worse-case scenario. To open our latest Bulletin, we have news that RBS has set aside funds to provide financial support to businesses trading in Europe who may find themselves in a tight financial spot.

As highlighted in recent Bulletins, the Asset Finance sector continues to grow in terms of facilities to allow businesses to acquire assets. To continue the flow of available funds, we look at the announcement from the British Business Bank that it has allocated funds to asset finance provider Henry Howard Finance for on-lending to small businesses.

To close, our monthly review of bank lending to businesses. The latest figures from UK Finance reveal that bank lending continues to slip with limited demand for finance from businesses. Business owners seem to be adopting a ‘wait and see’ approach when it comes to making investment decisions.

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.

Banks and Business Continue to be Cautious When it Comes to Credit

Posted on: October 12th, 2018 by blsuser1 No Comments Tags: , , , , ,
Posted in Business Finance News

The latest quarterly Credit Conditions Survey from the Bank of England for Quarter 3 2018 reveals that both bank and businesses appear to be adopting a cautious stance when to comes to lending and borrowing.

This quarterly survey of bank and building society lenders is to assist the Bank of England in understanding trends and developments in the banking sector. Lenders are asked about their experiences over the past three months and the coming three months in terms of lending to businesses of all sizes.
The Bank has reported that the overall amount of lender credit made available to businesses of all sizes was unchanged in Quarter 3. Within the total available finance, the availability of credit provided to small businesses was reported to have increased and was unchanged for medium and large businesses. So all appears well from the lender’s perspectives in the last Quarter.

However, the Bank’s monthly reporting of amount of credit taken by small businesses shows that the total amount of lending in the 12 months to August has essentially flat-lined this year. It seems that small businesses have limited appetite to borrow and not heeding the bank’s message that they have funds to lend.

Looking ahead to the next Quarter, this lack of appetite to borrow is reflected in lender’s view that the overall amount of credit they will make available in Quarter 4 is expected to decrease slightly.

Both borrowers and lenders seem to be battening down the hatches.

As well as concerns about the economy and the political situation, small businesses may also be wary of taking on additional debt due to concerns on ability to pay. The Credit Conditions Survey highlights that lenders have reported an increase in default rates, which are missed payments, on loans to businesses of all sizes in Quarter 3. Lenders though are expecting default rates to remain unchanged for businesses of all sizes in Quarter 4.

It would appear that an element of uncertainty creeping in for both lenders and businesses in terms of what lies ahead in the last Quarter of 2018.

Businesses Cautious on Borrowing, Curbing Late Payment and Regional Angel Investors – BFB 229

Posted on: October 6th, 2018 by blsuser1 No Comments Tags: , , , , , , , , , , , , , , , , ,
Posted in Business Finance Bulletin

A recurring theme in recent Bulletins has been emerging evidence of reluctance among small business to borrow and this trend is a highlight of the latest SME Finance Monitor Report. The report also reveals the top three issues which are of most concern to small businesses. Is access to finance still an issue?

Late payment has been another constant problem we have regularly featured in our Bulletins. In an effort to curb late payment the Government has called for thoughts from businesses on how it can tackle this problem. Do you have an idea to contribute?

To close this Bulletin, a look at a new £100m fund launched by the British Business Bank. With a large portion of angel investment focused on the South East, the Regional Angels Programme aims to improve access to early stage equity finance across the whole of the UK.

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.

Barclays and Marketinvoice, Company Insolvencies, and Business Borrowing – BFB 226

Posted on: August 4th, 2018 by blsuser1 No Comments Tags: , , , , , , , , , , , , , , , , , , ,
Posted in Business Finance Bulletin

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 the Insolvency Service. Not surprisingly, but not of any less concern, is the news that insolvencies are on the rise. What impact will the latest increase in Interest Rates have on those businesses already struggling?

To close this Bulletin, our monthly look at borrowing levels among small business. Once again, from the latest Bank of England and UK Finance figures, business owners still appear to be reluctant to borrow and instead are busy hoarding cash.

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.

Franchise Finance, Business Borrowing Levels, Business Savings Accounts – BFB 221

Posted on: June 30th, 2018 by blsuser1 No Comments Tags: , , , , , , , , , , , , , , , , , , ,
Posted in Business Finance Bulletin

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 over the last few Bulletins, we review recent figures from UK Finance which reveal that borrowing levels among small businesses continue to fall. Are we seeing the early signs of forthcoming slowdown?

Whilst we are seeing business borrowing levels decline, the opposite is happening to business savings. Businesses are hoarding more cash than this time last year. Although cash held in banks is on the increase, are businesses getting the best interest rates?

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.

Borrowing to Grow, Barclays Midlands Growth Fund and Start Up Support from Nat West – BFB Epsd 204

Posted on: March 2nd, 2018 by blsuser1 No Comments Tags: , , , , , , , , , , , , , , , , , , , , ,
Posted in Business Finance Bulletin

What would you do if you were able to borrow money for your business? This is a question posed by Liberis, the short-term cashflow lender, when it spoke to 200 small businesses. As well as revealing how funds would be spent, the survey also discovered how many small businesses are still confused about where to look for finance.

Businesses based in the Midlands are in for a cash boost with the announcement from Barclays of the creation of its £370m Midlands Growth Fund. If you are based in the Midlands, we look at how you could benefit.

To close this Bulletin, we have news of Nat West’s revised Entrepreneur’s Accelerator Programme. Delivered in hubs situated in 12 major cities across the UK, the programme is designed to help start ups in need of support, advice and mentorship. Could the programme help you get your business off the ground?

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.

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.

SME Borrowing Concerns, Missed Opportunities and Fast Business Loans – BFB Epsd 160

Posted on: March 17th, 2017 by blsuser1 No Comments Tags: , , , , , , , , , , , , , , , , ,
Posted in Business Finance Bulletin

The latest SME Finance Monitor Report reveals an interesting insight into small business owner’s current thoughts about borrowing money. In this episode of the Business Finance Bulletin we take a look at feedback from small business owners on their appetite to borrow and funding growth.

Deciding to sit back and self-fund your growth plans, whether intentionally, or because you can’t find finance, comes at a cost. This is the finding from a survey carried out by Aldermore Bank which reveals that business opportunities are being lost because small businesses can’t access the right finance.

Looking for a fast, short term business loan? How about one in 12 minutes? We look at a new lending service launched by Ultimate Finance, the Cash Advance, which promises quick access to short term business finance with minimal fuss.

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 Finance Bulletin No 52: Venture Funding Hubs, Bank Lending, Why Businesses Don’t Borrow

Posted on: November 28th, 2014 by blsuser1 No Comments Tags: , , , , , , , , , , , , ,
Posted in Business Finance Bulletin

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.

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  • I wanted to thank you for such an insightful, energetic, and entertaining talk at the Kevin Green Wealth event on securing funding and creating a successful plan. It was brilliantly executed and a pleasure to listen to and the ideas I’ve learned are definitely going to help me in going forward.

    Max Cooper of Manchester
  • Rob delivered a series of 3 workshops aimed at understanding how finance houses look at finance propositions with the aim for us as a team to deliver more of a bespoke offering to our customer base. The training was delivered to a mixture of staff who work with new businesses start-ups and existing established businesses across Mid & South West Wales. Rob delivered the training with an abundance of passion and has really helped my team look at financial propositions in a different light, many thanks again Rob and I look forward to work with you in the near future.

    Shayne Yates | Welsh Government Regional Centre Service Mid Wales
  • Further to your recent presentation at LEAD Wales just wanted to say it was very refreshing to see somebody talk passionately and positively about finance, very insightful!

    Kay Hyde | Hyde & Hyde Architects
  • 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.

    Angela Holloman-Coombes | Connective HR
  • Hi Rob, it was so interesting and entertaining listening to you at the Kevin Green Wealth Coach Workshop in Reading this weekend! I didnt realise you can find Finance proposals such fun!. Brilliant tips! Thanks.

    Gaz Jabeen | Bollywood Burn Out

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