Statistics collected by the Government in 2022 show that the SME sector accounts for 99.9% of the business population. If we break this down there are 5.5 million private sector businesses, 1.4 million employ staff and 4.1 million have no employees. Analysing further 5.47 million fit in to the small business category (0 to 49…
read moreA new year always brings a positive mindset and a desire to make changes. On a personal level this could be a change in career, a change in lifestyle or a change in location. On a business front this could be a change of direction, development of new growth plans or an introduction of new…
read moreArguably one of the best investments a growing business can make is in commercial property. Whether it is purchasing an existing building, investing in new or simply adding an extension, having the ability to own a substantial business asset in the form of property guarantees the long-term future of the business. Clearly the outright purchase…
read moreSince Covid-19 we have all experienced how vulnerable the economy has become, especially in the world of business. If we explore the small business sector, there are daily reports about what is happening along with the types of businesses and industries that are suffering. Of course, there will always be businesses that suffer but this…
read moreBusiness finance, including both asset and invoice finance, is a valuable resource for any small business. Let’s explore how this can have an impact on some of the most common business sectors: Manufacturing – the most important elements of any manufacturing business are its people and its machinery. The manufacturing process must be efficient with…
read moreIn October 2021 the UK government released their roadmap of how they plan to become a leader in sustainable investing. This means that the finance sector needs to adapt and start embracing climate change. With the ambition of having a zero emission focus it is important for all to start embracing change, no more so…
read moreBridging finance is a type of short-term loan. It is often associated with property development but is actually a diverse solution for bridging any type of financial gap. It has multiple uses where business funding is needed for around 12 to 18 months before a more longer-term solution can be made available. The key difference…
read moreUnderstanding and translating key financial acronyms can be challenging. We have taken some of the most common ones and offered some simple translations: LTV = Loan to Value The percentage of any loan outstanding in comparison to the value of the asset. GDV = Gross Development Value The projected value of a property once construction…
read moreDevelopment finance provides a cash boost in the form of funding, which can be used to assist with construction related projects for both commercial and residential properties. Finance is available in the form of both loans and mortgages. This type of funding solution enables a lender to loan money for a business or entrepreneur to…
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