Take control of your finances

Every business needs finance to be able to function. This may come originally from the founder injecting funds to get the business off the ground, and then retaining and ploughing profits back into it. Very many businesses are partly financed with borrowed money. We can review your borrowings with you to see if they are appropriate to the business and the likely duration of the borrowing need.

If you plan major expansion or a buy out, where you may need additional equity funding from outside, we can help you. If you seem to be short of working capital, select Overdraft to see how we can help. If you are looking for property backed finance, select Mortgage. The reality is that apart from clearing banks, and finance house lending for machinery including vehicles, the majority of lending to business is property backed.

It is not always desirable to borrow everything from your clearing bank, although the banks favour it because it gives them a more complete picture, which unfortunately may give them a pretext to say no to more borrowing. Banks almost invariably take an all monies charge, which has the effect that if you default on one loan from them, then all the others, including mortgages planned to run for 20 years, become due and payable in full. This can be unwelcome.

We can help you sort out your business finances. Please Contact us.