The first decision that most business owners need to make when raising finance is whether to give away a portion of equity in their company, or temporarily introduce some debt to the business. However, many entrepreneurs will be unaware of a third type of business finance that sits between debt and equity financing, while offering
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Tag Archive for Loans
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How to get approved for a small business loan
by Ben Lobel • • 0 Comments
So, you’ve decided to apply for a business loan. However, before jumping in and filling out that application, you need to ensure you’ve got the best possible chance of being approved for funding. Here are a few tips on how to get that all-important ‘yes’ from your chosen lender. Know your business backwards Whether you’re
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The benefits of a short-term loan for both businesses and consumers
by Ben Lobel • • 0 Comments
Debt finance, in particular the short-term loan market, is a popular route for cash for both individuals and businesses. A suitable circumstance for a short-term loan for a business might be that a company requires investment in a piece of equipment, or some temporary staff, and doesn’t currently have the funds available. Another example might
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Unsecured loans for small businesses
by Ben Lobel • • 0 Comments
Unsecured finance is a popular way to fund a business, because unlike secured loans there’s no need to put up collateral. This has a few important implications, particularly for smaller businesses — let’s have a look at some of the ways small businesses can get unsecured funding. Unsecured loans While they can be more difficult
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Millions of Brits lending to family and friends to bridge the gap
by Owen Gough • • 0 Comments
More than 1.6 million people have lent money directly to a friend or family member to help them start or grow a business, according to research from peer to peer lender ThinCats. In a constrained lending environment, entrepreneurs are turning to loved ones for support, with an average sum of £4,479 being lent at a
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SMEs under pressure as banks continue to shift overdraft lending
by Owen Gough • • 0 Comments
SMEs remain under pressure as banks continue to shift overdraft lending away from them in favour of large businesses, says Funding Options, the online business finance supermarket. There has been a 37 per cent fall in the value of an overdraft provided to SMEs over the last five years from £19 billion to £12 billion,
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How to pay your small business loan back fast
by Ben Lobel • • 0 Comments
If you are in process of opening up your first small business, you no doubt need start-up capital to make it happen. For many entrepreneurs, a small business loan won’t mean a massive amount of money. But for a business that is just getting on its feet, it can be a little intimidating to pay all of
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Borrowing in the short term: Payday loans vs short-term loans
by Ben Lobel • • 0 Comments
The loans market has been around from centuries and businesses making money through their charging of interest is a well-established business model. In the last decade the payday loans market though, has undergone many changes. This has led to the emergence of short term loans companies who offer similar interest rates, but over longer periods
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Is debt funding more popular than equity post-Brexit?
by Ben Lobel • • 0 Comments
UK SME Confidence has dropped since the EU Referendum, with 53 per cent of small and medium-sized enterprises (SMEs) feeling less optimistic about the future of their businesses, according to the CBI’s recent manufacturing report. The Bibby Financial Services SME Confidence Tracker notes that access to funding had also been a rising challenge amongst SMEs, with around
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Can I get a business loan with bad credit?
by Conrad Ford • • 0 Comments
Having a poor credit history can often get in the way of successful applications for business loans, particularly if you’re applying via traditional routes such as major banks. If a bad credit file is working against you, there are a few things that can be done though — and it’s often possible to get a
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