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Business Funding made simple
Back in the day, not that long ago, a cap-in-hand and lengthy visit to the bank was route-1 to business financing solutions. Not anymore. The process for an unsecured facility, using one of our large panel of specialist lenders, is simple, fast and efficient....
Consolidate to a Better 2018
Sometimes working hard is not always being smart. In a recent survey of small business, one threat to financial health was the growing burden of short-term expensive credit. Consolidating existing creditors into one monthly payment can release capital and gene...
Impacts on Small Business
Small firms count cost of Carillion collapse Thousands of small firms working for Carillion are waiting to learn if they will be paid, amid growing fears some could close, after the construction giant went bust yesterday with debts of about £1.5bn. Car...
Support the Small Builder
MPs urge government: Do more for Smaller Builders The Communities and Local Government Committee said the eight biggest firms built more than half of all new homes. MP’s said the government should do more for smaller builders who do not have the scale to bid...
Vox populi
By calling a surprise June election, Theresa May is looking to gain her vote as leader, and stabilise control by locking in an extra two years for the Conservatives to steer Britain through Brexit, as the following election may not fall until 2022. Sterling to...
We Like Property Developers
With the announcement that one lender is retracting from the property market, we thought it timely to remind ourselves of the basics required to raise some capital for the small business developer. Things to consider: Our lenders and bridging financiers do exp...
Lender Loses Interest in Property
Funding Circle announced recently that it will scale down new property development lending, with plans to completely stop lending of this type by the middle of next year. Property development loans represented 10% of FC’s loans at the end of February 201...
CYBG Survey on SME’s
According to the Yorkshire Post, new research prepared by CYBG, the parent of Yorkshire Bank, suggests that 35 per cent of SMEs continue to find accessing finance from banks a challenge. It showed that 9 per cent of SMEs considered accessing finance to be ei...
Magistrates Courts in the Digital Age
A Ministry of Justice report says defendants will in some cases be able to use digital channels to have their cases determined in Magistrates courts. People won’t actually be convicted by a computer algorithm. The individual will need to enter personal data...
Top Tips for Small Business Retailers
Business rules that no retailer should ignore. Ensure Customers Pay – Encouraging your customers to pay in a timely manner is no less important than selling them the goods or services in the first place. This is an important balance that must be struck. If,...
SME’s look to growth post Brexit chaos
With our path now charted to exit the EU, what is the feeling amongst small businesses following the turmoil of the post-Brexit election? It appears that, though we certainly hit a bump in the road, confidence and a period of normality has returned. In a recen...
5 Point Plan to Building your Property Portfolio: No. 5: Property Funding Options
In this series of short posts, accessfunds share their views on things to consider when building your property portfolio. Part 5: Property Funding Options As we have explained in the preceding 4 articles – there are numerous types of projects, and...
Consolidation Business Loan
Our client was a relatively new business with some significant expansion costs that were largely funded by numerous leases, short term loans and a cash advance. All the borrowing was unsecured and from a number of lenders. The solution was to structure a conso...
Cash Advance Damaged Credit
Our customer has a growing small business, but his personal history has damaged the ability for his company to raise development funding. While credit ratings are always important, this client recognised that his strength to fund the growth lay in a produc...
Business Overdraft Squeezed?
Banks continue to say “NO”. Over the past five years, the value of bank overdrafts to small businesses has fallen by 42%, down from £20.9 billion in April 2011. However, in this same period, overdraft lending to larger businesses rose by 25%. To us that s...
Cash Advance to Ease Cash Flow of MOT Centre
This family run independent garage had a very quiet post Christmas period, and expects the first quarter to always be slow. Having reviewed their past card sales history, we were able to agree an advance to help cash flow – with the expectation that...
Cash Advance to Support New Franchise
Our customer had acquired a restaurant business less than a year ago. He had strong sales turnover on cards – but this was a new business venture, and as such not easy to raise capital. Most lenders wanted at least one years of filed accounts, together w...
5 Point Plan to Building your Property Portfolio: No. 4: What’s in a Deal?
In this series of short posts, accessfunds share their views on things to consider when building your property portfolio. Part 4: Picking the Right Deal Finding the ‘best deal’ is a multifaceted challenge. First-off there is no one size fits all. But i...
Restaurant Expansion with a Cash Advance
The restaurant has impressive growth plans and had already opened a new location, but needed funding for furniture, a new PoS system and in-house printing facilities. The MCA advance was based on 150% of the previous average monthly card turnover, and the a...
Manufacturer Expansion with an Unsecured Business Loan
Our client was looking to expand their business premises and take on staff to handle a new contract. The opportunity for growth was historically funded via overdrafts that had rescinded over the years, and additional bank borrowing was proving hard to obtai...
5 Point Plan to Building your Property Portfolio: No. 3: Doing the Maths
In this series of short posts, accessfunds share their views on things to consider when building your property portfolio. Part 3: Doing the Maths. We all know the value of budgeting – and that the devil is in the detail. Its not sexy – but ano...
VAT Bill Unsecured Business Loan
The dental practice had cash flow pressures at a busy period when invoices were being delayed. As a business (not unlike solicitors and other professional groups) that often has long term WiP, a cash flow squeeze is an inevitability. We were able to fund hi...
Expanding Property Portfolio with Unsecured Finance
Our client is always looking for below market value residential or HMO properties that have yet to be marketed. She is alive to auction opportunities and needs to have cash-flow ready to back up her speculative opportunities. Having an established business wit...
Property Development with Bridging Finance
The experienced developer created an SPV to purchase several Victorian cottages under one title. Full planning permission was obtained for a full refurbishment and additional value was to be created through erecting rear extensions and loft conversions....
The Ins and Outs of a Merchant Cash Advance
A Merchant Cash Advance (MCA) is fast becoming a FLEXIBLE way for retail businesses to access funds. If you have been trading for at least 6 months and have built up strong credit/debit card sales volumes, you can benefit from funding that is quick and simple...
Funding your Business
accessfunds assists businesses in finding the right funding – fast. We see a wide range of applicants from all kinds of industries looking for anything from a quick cash injection, a property development fund or even long term restructuring finance. No...
5 Point Plan to Building your Property Portfolio: No. 2: Exit Strategy
In this series of short posts, accessfunds share their views on things to consider when building your property portfolio. Part 2: Exit Strategy. Many people have turned to investing in bricks and mortar to get their money to ‘work for them’. TV...
5 Point Plan to Building your Property Portfolio: No. 1: Research
Over the next few weeks accessfunds will share our views on building a property portfolio in a series of posts, all concise and quick to read (which we know is important to busy people like you!). Many people have turned to investing in bricks and mortar to g...
accessfunds on bank loans, SME’s & alternative lending
accessfunds is a newly launched business loan broker, specialising in finding quick funding partners for established and growing SMEs when traditional bank loans may not be an option. We talk to Jan Stefanowicz founder of accessfunds, about his pedigree, the...
Business News
- Firms planned record 800,000 redundancies last yearDespite the furlough scheme, employers decided to a record number of jobs during 2020.
- Coronavirus: How the pandemic has changed the world economyKey maps and charts explain how the virus has impacted markets and businesses around the world.
- Can a Nudge or two make us better savers?A government-backed firm is looking for new ways to get people to put money aside for a "rainy day".
- Climate change: Six questions about the Cumbria coal controversyGreen groups are calling on the PM to cancel the project - but how was the decision reached?
- East West and Northumberland rail lines get £794m boostThe government says the funding will connect "left-behind" communities.
- Shipping crisis: I'm being quoted £10,000 for a £1,600 container'A shortage of shipping containers, rising costs, and congestion at ports are holding back imports from China.
- Cladding crisis: 'Delays could bankrupt us'Campaigners say a government fund to pay for the removal of dangerous cladding is woefully inadequate.
- Google threatens to withdraw search engine from AustraliaThe tech giant says it will remove its main search function from Australia if it passes a new law.
- Body defends action on Covid workplace safety complaintsThe Health and Safety Executive denies being "naïve" about breaches of safety rules.
- UK borrowing hits highest December level on recordGovernment borrowing hit £34.1bn last month, as the cost of pandemic support measures weighed on the economy.
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