Posts Tagged ‘business growth’

Barriers to Growth, HSBC Green Finance Products and Asset Finance Sector Performance – BFB 266

Posted on: July 13th, 2019 by blsuser1 No Comments Tags: , , , , , , , , , , , , , , , , , , ,
Posted in Business Finance Bulletin

Whilst you may have ambitions to grow your business there are often barriers put in your way. What are the barriers which businesses face? That’s a question asked by Hitachi Capital in their latest Business Barometer survey series. Do you experience any of these barriers?

Becoming a more sustainable business is increasingly appearing on business radars. However, financing environmentally friendly projects can prevent change. We look at a new range of Green-focused finance packages launched by HSBC.

To close this Bulletin, our monthly look at activity levels in the asset finance sector from the Finance & Leasing Association. As a gauge of how confident businesses are in terms of investment spend, how are businesses feeling?

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

Business Growth & Cashflow, RBS Online Loans, MarketInvoice Pro – BFB Epsd 156

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

If you have plans to grow your business, don’t underestimate the vital role cashflow has to play. Fresh from delivering a workshop on financing growth for business growth specialist Gavin Preston, BLS’s Rob Warlow shares the importance of managing cashflow when you’re going for growth… an important lightbulb moment for those attending the session.

The banks are starting to learn from the alternative finance players with news from RBS/Nat West that they are launching an online platform where new and existing customers can apply for loans up to £150,000.

Marketinvoice, the online invoice discounting platform, has announced an enhancement to its service with Marketinvoice Pro which will allow frequent users more flexibility in accessing funds.

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.

Outdated Financial Information Can Impact Your Growth

Posted on: December 12th, 2015 by blsuser1 No Comments Tags: , , , ,
Posted in Business Finance Tips

In my latest Business Finance Bulletin Episode 101 I briefly reviewed a survey which revealed that businesses which keep up to date financial records are likely to grow twice as fast as those businesses with information more than nine months old.

This is such an important topic when it comes to raising finance that I thought I’d go into it in a little more depth.

The survey was carried out by KPMG Small Business Accounting and focused on how businesses can perform better when they have up to date financial information to hand.

KPMG found that small business’ management accounts are, on average, four months out of date, not a finding I can disagree with. However, more interestingly they found a direct link between having current financial information and likely growth rates.

They discovered that those with accurate information grew twice as fast as those with nine-month-old data over the last twelve months… 8% compared to 4%. A compelling reason if there was one to keep on top of your books!

This is a finding I can relate to. In arranging commercial finance for businesses, whether that’s for additional working capital or long term funding, one question the majority of lenders will ask is ‘can we see the latest management accounts’. Those who can deliver on the request have a far higher chance of getting finance than those who can’t.

On that basis, the survey’s findings that businesses with up to date figures are growing twice as fast is true – they are simply able to grab opportunities which their less organised competitors have to let slip through their fingers because they can’t get the finance arranged quick enough.

The researchers were also able to put a number on these lost opportunities. They estimate that with better financial visibility, small firms would have invested up to £1 billion more in the economy in the last financial year. Outdated financial information is resulting in lower levels of investment, employment, stunting productivity growth and holding back the economic recovery.

Many of the business owners I meet are the first to admit that they don’t like the financial aspect of their business and yet they struggle through trying to do the books themselves (usually in the wee small hours of the morning!), The survey found that small business owners spend more than two and a half hours on average each week trying to stay on top of their finances and probably doing a poor job or giving up!

The result of all this is that many business owners are making important investment and strategic decisions on the spot without a full understanding of their current financial position.

What’s the solution?

The answer is to pass the task of keeping your financial information up to date onto a bookkeeper or your Accountant; outsource it to the professionals. Concentrate on what you’re good at and get people in who love to crunch numbers.

The upshot of all this is the next time you are presented with an opportunity which needs finance then at least myself and other finance brokers will be able to move quicker and hopefully get you that all too elusive ‘yes’.

Business Finance Bulletin Episode 91: Growth & Late Payment, SEIS, Crowdfunding and Managing VAT

Posted on: October 2nd, 2015 by blsuser1 No Comments Tags: , , , , , , , , , , , , , , , , , , , , , ,
Posted in Business Finance Bulletin

In the latest episode of the Business Finance Bulletin Rob Warlow looks at a report from Liberis, a finance provider, on the issues growing businesses face particularly in terms of late payment and how you can avoid it.

The Seed Enterprise Investment Scheme is a little known scheme devised to help both start ups and investors make use of attractive tax breaks. Rob shares findings from a review as to how popular the scheme is and looks at the SEIS eligibility criteria.

Turning to crowdfunding, Rob has news from the Centre for Economics and Business Research which predicts that the amount of money accessed through crowdfunding will grow to a significant sum by 2020.

If you’re a VAT registered business you are probably familiar with the challenges of meeting the quarterly demand! Recent figures from finance provider LDF show a large amount of overdue VAT is outstanding to HMRC and in the Business Finance Tip of the Week Rob chats with Liz Maher from Centurion VAT in which she shares tips on managing your VAT risk.

If you prefer to listen via a podcast version you can download via our Soundcloud or itunes channel or listen in below.

Business Finance Bulletin Episode 90: Late Payment, Local Business Funds, MarketInvoice, and Business Growth

Posted on: September 25th, 2015 by blsuser1 No Comments Tags: , , , , , , , , , , , , , , , , , , ,
Posted in Business Finance Bulletin

In this episode of the weekly Business Finance Bulletin Rob Warlow examines current trends in late payment with news from the Asset Based Finance Association that despite improving economic conditions late payment problems are on the rise.

Continuing on the theme of late payment online accounting provider Crunch has identified within the world of self employment which businesses are best and worst when it comes to chasing payment. Are you one of them?

Locally run business loan funds are a useful source of alternative finance for smaller businesses and Rob looks at one fund run by Staffordshire County Council and the success it has had in supporting local businesses.

In the crowdfunding world Rob shares news from Market Invoice, the online invoice discounting solution, of another round of funding granted to it by the British Business Bank.

Despite a few hiccups lately in terms of growth and business confidence Rob looks at the findings of a survey from American Express Small Business Services which reveals that businesses are reporting strong growth and confidence for the future.

And in the Business Finance Tip of the Week a clip from an interview in which Rob talks about the typical cash contribution you have make to a deal to get your bank on board.

You can also listen to this week’s episode or download to listen to late via clicking below, or by visiting our Soundcloud or itunes channels.

Business Finance Bulletin Episode 80: Business Savings, Crowdfunding, Business Confidence & Controlling Overheads

Posted on: June 26th, 2015 by blsuser1 No Comments Tags: , , , , , , , , , , , , , , , , , , , , ,
Posted in Business Finance Bulletin

In the latest Business Finance Bulletin episode Business Loan Services’ Rob Warlow looks the forthcoming changes in ISA rules and a survey from Yorkshire Bank and attitude to risk amongst savers which could see a boost to the crowdfunding market.

Staying with crowdfunding Rob shares news of the launch of a new crowdfunding platform. Bricks Financial is based in the South West and will primarily focus on servicing the local market.

According to the latest survey from the Federation of Small Businesses confidence amongst small business owners is strong and they are focused on where they are investing their money.

In the Business Finance Tip of the Week Rob looks at reviewing and controlling your overheads to ensure you are making the best returns from your business.

If you would also like to listen to the podcast version then you can either listen below or directly download this episode from our Soundcloud page by clicking the download symbol below. Alternatively to can subscribe via our itunes channel.

Business Finance Bulletin Epsd 72: Selling Your Business, Getting Support, Invoice Discounting & BrewDog

Posted on: May 1st, 2015 by blsuser1 No Comments Tags: , , , , , , , , , , , , , , , , , ,
Posted in Business Finance Bulletin

In the latest Business Finance Bulletin episode Rob Warlow discusses two surveys which touch upon the subject of seeking out advice and support from professional advisors. The first survey looks at how many businesses are currently looking to sell up and why that is. In terms of the start up market Rob talks about another survey from Aviva and the support and advice start ups seek.

Invoice discounting continues to grow in popularity but Rob looks at news from Market Invoice about the lack of transparency and hidden fees which are prevalent in the invoice discounting industry.

Rob also discusses the news that BrewDog, the craft beer brewer is looking to raise £25m to fund its expansion but doing it on their own under their ‘Equity for Punks’ scheme and so bypassing the industry stalwarts.

In the Business Finance Tip of the Week a clip from a live seminar in which Rob talks about the impact on cashflow of carrying too much stock.

If you would to listen to this episode in the podcast version click below to listen or to download to your computer or phone.

Business Finance Bulletin Epsd 65: Business Growth Bank Lending, New Banks & Selling Equity

Posted on: March 13th, 2015 by blsuser1 No Comments Tags: , , , , , , , , , , , , , , , , ,
Posted in Uncategorized

In the latest Business Finance Bulletin Rob Warlow looks at evidence of a continued increase in confidence amongst small business owners with positive news from a survey carried out by Hitachi Capital.

Rob also looks at signs that the success rate in getting a ‘yes’ from banks is on the up according to the FSB’s latest Voice of Small Business Index. According to this latest report businesses are also reporting how profits are on the up and there is more interest in hiring staff. All positive signs for the economy.

Turning to alternative lenders Rob shares news of a possible new entrant into the banking market with Civilised Bank looking to launch later in the year focusing on the SME market.

Funding growth via selling equity has often been a mental stumbling block for many business owners but Rob looks at a report from the British Business Bank which reveals that more businesses are considering it as a viable option to raising cash.

And in the Business Finance Tip of the Week Rob chats with Dr Paul Thomas of DNA Definitive in which he shares a number of key issues that growing businesses should be aware of.

If you prefer to listen to this week’s edition on your phone or in your car simply download the podcast version by clicking the download image.

Business Finance Bulletin Episode 57: Late Payment, Business Growth, Crowdfunding & Business Processes

Posted on: January 16th, 2015 by blsuser1 No Comments Tags: , , , , , , , , , , , , , , , , , , ,
Posted in Business Finance Bulletin

In the latest edition of the Business Finance Bulletin Rob Warlow looks at news from Lovetts, the commercial debt recovery firm, on how the amount of late payment debt is on the increase.
As part of its annual Small Business Income Index, news from Barclays of further evidence that the economy is showing signs of growth with a number of sectors and UK regions standing out.

Raising equity through crowdfunding continues to grow in popularity and Rob looks at an overview from Crowdcube on how it performed in 2014.

And in the Business Finance Tip of the Week Rob shares his thoughts on the importance of having sound systems and processes in place; getting this right may reduce the amount of finance you may need to raise.

You can also listen to the podcast version of this week’s Bulletin. You can download a copy for listening later by clicking below.


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