Did you read your loan agreement properly?
Most directors sign a loan agreement, see the money land, and think job done. But buried in the small print there’s often a clause saying...
Before The Wave
She was unsinkable. So was Woolworths. Carillion. Thomas Cook. BHS. Wilko. The Body Shop. ISG. Every one of them was a going concern, right up...
The Five Minute Finance Mistake
I was asked recently what the biggest mistake a director can make when applying for finance. My answer was simple. Doing the easy thing. By...
‘Spray And Pray’ Applications
Most directors do the sensible thing. Two or three applications, hoping to land the best deal. Or they hand it to a broker, expecting them...
The Silent Red Flags Underwriters See
Most directors think the real battle starts when they hit submit on a loan application. It does not. The underwriter has already made up their...
Why One Quick Online Loan Can Poison Your Future Funding
You have seen the adverts. Fast, simple business funding, decision in minutes. What they do not put in the advert is what happens after the...
The One Underwriting Trap That Can Kill Your Loan
You know that feeling when you have written a really good covering email, checked it twice, and then find out nobody actually read it? That...
The Five Things Keeping Directors Up at Night: Rising Costs
Input costs are rising at 4.1% right now. What businesses feel able to charge for it has only gone up 2.5%. That gap is not...
The Five Things Keeping Directors Up at Night: Late Payments
Late payment concerns just hit a five year high. And here is what makes this one so exhausting. It is not that the money does...
The Five Things Keeping Directors Up at Night: Insolvency
2,230 businesses went insolvent in the UK last month alone. Construction was hit hardest, followed closely by hospitality and retail. Here is what is easy...