Running an SME is a full on roller coaster of a ride. As time ticks, you’re thrown in all sorts of directions and can even feel as though you’re in free fall going backwards sometimes.
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I guess if you’re like most people, you have your investments handled by your financial adviser? And I’m guessing you entrust that person to invest wisely and optimise the return on those investments.
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Over recent years the commercial finance brokerage market has seen the rise of the ‘on-line’ brokerage models. These are aimed at providing ‘all market coverage’ and focusing on ‘speed of delivery’ to service the ‘need’ they believe SME businesses have.
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There is little doubt that the Government loan schemes have been the dominant force in commercial lending since their introduction in March 2020.
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You wouldn’t believe the number of business owners we meet who misunderstand the concept of cashflow. They often confuse it with turnover. Surely, if your business is busy and you’re sending out loads of invoices, then your cashflow will be great. That money will just flow in. Hmmm … are you sure?
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Invisibility? Being able to fly? Teleportation?
Or how about being able to re-write the law to suit yourself and ensure you are always on the right side?
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This article would have looked vastly different if I had penned it at the start of 2020!
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ISAs, or Individual Savings Accounts, have been a feature of the personal finance world since 1999, yet I still get asked if they are ‘worth it’?
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Cash flow is the lifeblood of a business. If it seizes up, the business dies. But managing money within a business isn’t just critical to its survival, it’s also what oils growth and releases the latent potential a business holds.
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While an arrangement to borrow money for a business is between a client and the lender, there are numerous other individuals involved to help the process with many needed before the application is even considered.
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The one thing that small business owners hate doing is bookkeeping and accounting. However, the one thing you need to get right to ensure your business succeeds… is bookkeeping and accounting.
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The significant drop in turnover and profitability felt by many businesses during lockdown is having a significant impact on their ability to be accepted for finance.
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This article is designed to help a small business with ensuring their business is in the best possible position when applying for finance, whether it is a small loan for an asset or a larger loan for a property.
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All successful businesses were start-ups at some stage and it is vital to the future of the UK economy that entrepreneurs continue to create new start-up businesses.
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There is no doubt that raising finance for new start businesses can be the most challenging time to raise funding. It is also true that ‘insufficient investment and/or working capital finance’ is a key factor in many start-up failures.
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Getting saving early really can pay off. Think about it – if you’re money is invested or earning interest today, you’ve a better chance of that money growing over a longer period of time.
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This would be a useful guide to read even before approaching your own bank for a request as they are not always the best option for you.
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How prepared are you for when the COVID-19 related financial support and other interim measures fall away?
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