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Blog - Business Loans

Youth is wasted on the young?

Young African businessman Freedom Ideas concept

Let’s look at two young people who have both made their small business into a huge success.

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Does London’s new Mayor mean business?

Famous Big Ben with red double-decker in London, UK

London has chosen and we have our new mayor. Sadiq Khan, Labour’s candidate and London’s first Muslim mayor – and self-titled “mayor for all Londoners”. But what impact will he have on small businesses in London?

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Asset-based finance

invoice payment design

Asset-based finance is the raising of funds using your existing assets as security. Assets can include invoice finance, – where business secure funding against the value of unpaid invoices – stock, equipment and property. According to the Asset-Based Finance Association ABFA, asset-based funding in the UK breaks down into roughly around 80% invoice finance and 20% the rest.

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Money doesn’t grow on trees!

Investment - Money plant

For a small business owner the landscape of business funding can be bewildering. Not only that, but there is still an unacceptably high rate of rejection for those small business trying to get a business loan. This is despite a supposed improved availability of credit: The British Business Bank (BBB) recently reported an increase in bank loans of £1.6bn from 2014 to 2015.

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Taxing times

Cartoon tax letter finding businessman

Taxation is very much in the news at the moment! The so-called Panama Papers scandal has – via leaked documents – revealed years of money laundering, sanction dodging and tax evasion by rich and powerful clients of one of the world’s most secretive companies, a Panamanian law firm called Mossack Fonseca. Clients include current and […]

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A budget that backs businesses?

Cartoon businessman running

So now the dust has settled on the March budget, what impact – if any – will it have on small businesses? Hailed by George Osborne as his long term economic plan, he described it as “‘a budget that backs businesses’”. The full measures are outlined on the Gov UK website but let’s take a […]

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Just pop into the branch

FBL Blog Branch

Do you sometimes wonder if banks are on the same planet as the rest of us?! Small business owners work every hour they can and yet when they need to do essential banking that requires a visit to a branch the hours are usually 9:00-17:00! Yet recent research by Funding Xchange has found that 42% […]

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The rise of the micro-multinationals

june_world

A decade ago, the global market place was dominated by larger corporations where bigger meant more and physical presence was needed to complete sales transactions across borders. Small to medium businesses found more success in local and domestic markets. However, global communication has changed all that. Video communication and other tools have made it easier […]

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What does the new National Living Wage mean for small businesses?

The new National Living Wage (NLW) comes into effect April 1st, 2016 and is the minimum wage for over 25s which is now £7.20 per hour. 1.3m workers across the UK are set to benefit, but this also affects costs to small businesses. Although small businesses only employ 35% of the adult workforce, they employ […]

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Can’t pay won’t pay?

difference invoices

If you are a small business owner you will be only too aware of the impact of unpaid invoices. If a payment is late it adversely affects your cashflow and therefore small business funding. The worst case scenario is that a vulnerable business could go under if its creditors do not pay when payment is […]

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