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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?

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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Brexit – Part 2

In our last article we explored opinions on both sides of the Brexit camp over the five key areas of: The UK Economy; Trading Opportunities; The UK job market; Job Opportunities in Europe; The Impact on Large Businesses. In this article we return to the main area of concern to us at Fair Business Loans; […]

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Small business confidence hit three-year low

Small business confidence hit three –year low across the UK. The decline is most prominent in London and East London, but all regions across the UK have seen declines. Scotland has fallen into negative territory, also a first in three years. The Federation of Small Business (FSB) published a report in time for their National […]

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Brexit – Part 1

The term “Brexit” has recently become part of our everyday language. It is a combination of the words “Britain” and “Exit” and has become an easy way to refer to the forthcoming decision on whether Britain should exit the European Union (EU). In this two part article we here at Fair Business Loans examine some […]

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Women-led SMEs on the rise

With International Women’s Day being celebrated this week, we take a look at our women entrepreneurs in the UK. In a recent report published by HSBC, 3000 entrepreneurs were surveyed around the world, 501 of those from the UK. Women play a huge role in the SME landscape, generating £4.1m in business revenue last year […]

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Metro Bank favourites for micro- business banking in the UK

Fair Business Loans is part of Fair Finance which is the fastest growing microfinance organization in the UK and so we take a keen interest in which banks are offering the best service to small and micro companies. Recent Research compiled by Business Banking Insights looked to establish which banks are providing the best services […]

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Matthew Jones replaces Mark Hannam as chairman of Fair Finance

After an incredible ten years service as a Fair Finance board member, eight of which as chair of the board Mark Hannam resigned as chairman and from the board at the Fair Finance EGM on the 18th of February. Faisel, the rest of the board and the Fair Finance team would like to thank Mark […]

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I will survive!

As we saw in our last article, more than half of new businesses don’t survive beyond five years. In late 2014 British commercial insurer RSA conducted research called Growing Pains, which examined the current shape of the economy and barriers to growth for SMEs. But it’s not just start up businesses that are being adversely […]

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The business of numbers

“Lies, damned lies, and statistics“, a quote attributed to Mark Twain, pretty much sums up the view of many people about statistics. We can become cynical about the persuasive use of numbers, because it can seem that they are just spinned different ways to support whichever point of view is being presented at the time. […]

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