The Bank of England has changed the rules to encourage business lending. There was a key change in monetary policy last week announced by the Bank of England in their Bi-annual Financial Stability report. The main body of the report warned of on-going problems in the access of finance to the SME in the UK […]
New financial crisis NOW. Costs up – availability of funding down?
WARNING: There is a fresh financial crisis brewing! For once it is an increase that is the problem: bond yields. Why is it potentially bad for investors when the yield of a bond goes up? Because bonds act in reverse, with prices going down as yields go up. Government bonds are experiencing a big sell […]
Replacement business finance for better outcomes when facilities end
Replacement business finance solutions for when you need to replace your existing facilities. When a funding relationship is coming to an end, for whatever reason, from my experience it’s much better to replace the facility than to have to repay the outstanding monies from cash flow or, worse still, current resources. Whatever the relationship with […]
Enterprise Capital Fund – Access to finance for growth potential SMEs
Following on from our recent article on the new Business Bank, this is the sixth in a series explaining the various government funding schemes seeking to provide business finance solutions for businesses in the UK. Enterprise Capital Funds (ECFs) The Government has a number of interventions which are aimed at bridging the gap in the supply of […]
How to strategy – Business finance solutions
How to be successful when seeking new or replacement business finance – there is money out there! Business Finance problems? Do any of the following 13 situations apply to your business? 1. Are you put off applying for business finance in the current environment? 2. Do you think there is a good chance you will […]
Community development finance – another business finance solution
Following on from our recent article on the new Business Bank, this is the fifth in a series explaining the various government schemes providing alternative finance solutions. Community Development Finance Institutions (CDFIs) Community Development Finance Institutions (CDFIs) are social enterprises that support communities by providing affordable finance that would otherwise not be available. By making loans, they […]
5 ways to secure Replacement business finance when time is short
What do you do when you need to find replacement business finance – fast? Have you been given notice by your finance provider? Is your finance provider reducing your finance facilities? Do you need replacement invoice discounting? Is the bank carrying out more regular audits? Has the bank instigated an Independent Business Review? If any […]
Funding NOT for Lending! Are more business finance solutions needed?
The Funding for Lending scheme is coming under attack again! Originally designed to increase access to finance and help businesses with their funding problems, it seems to be having the opposite effect, official figures from the Bank of England have just confirmed. On the positive side, the cost of borrowing is falling and their have […]
Business strategy 101: Is this as good as it gets for the UK?
Should someone be calling the top of the UK economy before we all get our fingers burnt again? Is the current stock market rally and increase in consumer confidence a false dawn? Why have we gone from sack cloth and ashes just a few months ago to what is being described in parts of the media […]
The National Loan Guarantee Scheme – a cure for funding problems?
Following on from our recent article on the new Business Bank, this is the third in a series explaining the various government funding schemes available to businesses in the UK. The National Loan Guarantee Scheme (NLGS) What is it? The National Loan Guarantee Scheme (NLGS) was launched on 20 March 2012 and helps businesses access cheaper […]