I became one of the first-ever Independent Financial Advisers in 1986 when that title was first created. Now, I am no longer a financial adviser, but a financial educator and commentator, a teacher, coach and mentor in things financial.
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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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