SKIPTON BUSINESS FINANCE. Who are we? A Skipton Building Society Group Company. Get in touch...

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "SKIPTON BUSINESS FINANCE. Who are we? A Skipton Building Society Group Company. Get in touch..."

Transcription

1 Who are we? Skipton Business Finance is a leading invoice finance company that provides an array of financial solutions ranging from factoring to invoice discounting, and the Government-backed Enterprise Finance Guarantee, to businesses across the UK. Our funding lines start from as little as 25k and currently go up to 5m. Existing clients range from new-starts to established businesses with annual sales of up to 30m and our facilities can be used to fund start-ups, transactions, turnaround / restructures and phoenix businesses. We pride ourselves in being about having quick access to flexible funding, employing specialist staff and having localised functions under one roof which enables even closer relationships with our clients and business partners. We are a wholly owned subsidiary of Skipton Building Society, an undoubted mutual financial institution established in Skipton Building Society is the UK s fourth largest building society, with 13.9bn of assets and a national presence represented by a network of around 100 branches. They are a mutual organisation, which means they are owned by their members and believe in placing them at the heart of everything they do. At Skipton Business Finance, we share the same ethos in that we re very much focussed on understanding our client s business and assisting in creating wealth and jobs, rather than existing purely for profit. This naturally leads to a partnership approach with our clients and a specifically designed internal structure whereby all our clients can enjoy close and personable relationships with highly-trained and experienced staff. Find out more about us a by calling Alternatively, you can us at or find out more at

2 Factoring Why wait 30, 60 or even 90 days for your customers to pay your invoices? With a factoring facility from Skipton Business Finance, you can get your well-earned money straight away. Not only that, unlike automated banks, we promise that you'll have access to a dedicated Relationship Manager who will know your business and your facility, inside and out. What is Factoring? Factoring is a flexible business finance solution that advances funds to your business as you issue new invoices. It s the most common form of invoice finance in the UK. Instead of waiting for all your customers to pay you, with our factoring solutions, we can advance you funds up to the value of 100% of your outstanding sales invoices. Our experienced and professional team will then take the responsibility for securing the payments from your valuable customers. You will also have the peace of mind knowing that those customers are being dealt with by an industry-leading credit control team. the country, it means we have cash ready to lend to businesses up Find out more about factoring today and get in touch with us by calling Alternatively, you can us at

3 Invoice Discounting Why wait forever and a day for customers to pay your invoices? With an invoice discounting facility from Skipton Business Finance, you can get your well-earned money straight away. We strive to ensure that your facility grows as your business does so, unlike traditional bank overdrafts, it's flexible and tailored to your business requirements. What is Invoice Discounting? Invoice Discounting is a form of flexible business finance which allows you to immediately release funds tied up in unpaid invoices, meaning that you can put it straight back into your business. You continue to invoice and collect payment in the normal way and have the peace of mind that the service is confidential so your customers will notice no changes. Our solutions give you flexibility. With funds for invoices up front, you have the freedom to make payments on regular bills such as tax, salaries or rent and confidence if unexpected bills occur. the country, it means we have cash ready to lend to businesses up Find out more about invoice discounting today and get in touch with us by calling Alternatively, you can us at

4 Enterprise Finance Guarantee The Enterprise Finance Guarantee is a loan guarantee scheme for small businesses intended primarily to improve the availability of working capital. It supports lending for business growth and development in cases where a sound proposition may otherwise be declined due to a lack of security. The programme aims to help viable firms that are unable to meet normal commercial lending requirements, with Skipton Business Finance part of an exclusive panel of approved lenders in this Government scheme. It s a great way to inject working capital into an existing enterprise, quickly and competitively. By raising the finance against your invoices through factoring or invoice discounting, we improve your cashflow at the same time. If you require EFG funding via a factoring or invoice discounting facility, and at the same time want to take advantage of having a more flexible business finance facility, then look no further than Skipton Business Finance. the country, it means we have cash ready to lend to buinesses up Find out more about the EFG Scheme today and get in touch with us by calling Alternatively, you can us at

5 What is ABFA? ABFA stands for the Asset Based Finance Association and is a UK-based Trade Association representing 40 members that provide factoring, invoice discouting and asset-based lending. Skipton Business Finance is a proud member of ABFA. What is the ABFA Code of Conduct? It is a self-regulatory Code setting standards of good practice, probity and professionalism for all ABFA Members. This Code lays down key commitments for ABFA's Members which are intended to ensure that Members treat their clients and their guarantors fairly and responsibly. To achieve such standards ABFA has established six key commitments which require that ABFA Members shall... Abide by this Code and all applicable laws and regulations Act with integrity and deal fairly and responsibly with clients and guarantors Provide clients and guarantors with all appropriate information in a timely and transparent manner Ensure that legal documentation issued by them is clearly and unambiguously written Provide effective and timely client services in accordance with their legal agreements Operate their own appropriate complaints procedures and ABFA mayfrom time to time request details of such procedures and anonymised data as to their outcomes Our commitment to you... As members of ABFA, we conduct our business in full compliance with the ABFA Code. If for any reason you feel you have cause to complain about us or our performance under this facility then you may in the first instance refer the matter to our Operations Director and / or Client Services Director for his immediate attention. If you want more information on the ABFA Code for Members and Guidance to ABFA's Code, and its complaints procedures, please visit the ABFA website at

A Guide to Invoice Finance

A Guide to Invoice Finance A Guide to Invoice Finance Contents The Skipton Way 3 Invoice Finance explained 4 Sectors using Invoice Finance 5 What is Factoring? 6 An illustrated guide to Factoring 7 What is Invoice Discounting? 8

More information

Funding for Growth. Introduction & brief outline of the format for today

Funding for Growth. Introduction & brief outline of the format for today Funding for Growth Funding for Growth: Does your business need working capital to grow? Introduction & brief outline of the format for today Attendees to introduce themselves & advise what they hope to

More information

GUIDE TO BUSINESS FINANCE & BUSINESS FUNDING

GUIDE TO BUSINESS FINANCE & BUSINESS FUNDING GUIDE TO BUSINESS FINANCE & BUSINESS FUNDING M3 Corporate Finance M3 Corporate Finance is an independent corporate finance house focused exclusively on mid-market transactions. M3 offers specialist corporate

More information

A GUIDE TO INVOICE FINANCE

A GUIDE TO INVOICE FINANCE Invoice Finance Demystified A GUIDE TO INVOICE FINANCE IN IRELAND A Guide to Invoice Finance Overview Invoice finance: There are two main types of funding within invoice finance: Invoice Discounting and

More information

Access to Finance Guide: 1. Bank Finance Options

Access to Finance Guide: 1. Bank Finance Options Access to Finance Guide: 1. Bank Finance Options Overdrafts An overdraft is a flexible way for you to manage short-term borrowing requirements. Business overdrafts are traditionally easy to arrange and

More information

Top Tips for Raising Finance

Top Tips for Raising Finance Top Tips for Raising Finance With Liz Gjoni All material Enterprise Enfield What do I Need? A realistic business plan that s concise and demonstrates your business idea makes sense and is financially viable

More information

Better Business Finance

Better Business Finance Better Business Finance Alternative sources of finance There are a wide range of financial products now available to help businesses access the investment needed to grow and thrive. This factsheet explains

More information

IT S MORTGAGE REVERSE A SIGN OF THE TIMES

IT S MORTGAGE REVERSE A SIGN OF THE TIMES IT S A SIGN OF THE TIMES REVERSE MORTGAGE UNLOCK THE EQUITY IN YOUR HOME If you want the financial freedom to spend your retirement how you choose, with independence and dignity, you should talk to us.

More information

IT S LIFETIME LOAN A SIGN OF THE TIMES AUSTRALIAN SENIORS FINANCE. The Home Equity Release Specialist

IT S LIFETIME LOAN A SIGN OF THE TIMES AUSTRALIAN SENIORS FINANCE. The Home Equity Release Specialist IT S A SIGN OF THE TIMES LIFETIME LOAN AUSTRALIAN SENIORS FINANCE The Home Equity Release Specialist UNLOCK THE IN YOUR EQUITY HOME If you want the financial freedom to spend your retirement how you choose,

More information

FINANCIAL SUPPORT AVAILABLE TO BUSINESS (AT 8th February 2011)

FINANCIAL SUPPORT AVAILABLE TO BUSINESS (AT 8th February 2011) FINANCIAL SUPPORT AVAILABLE TO BUSINESS (AT 8th February 2011) Enterprise Finance Guarantee BIS 14 January 2009 Guarantees to lenders to enable them to provide debt facilities which would otherwise be

More information

IT S MORTGAGE REVERSE A SIGN OF THE TIMES

IT S MORTGAGE REVERSE A SIGN OF THE TIMES IT S A SIGN OF THE TIMES REVERSE MORTGAGE UNLOCK THE EQUITY IN YOUR HOME If you want the financial freedom to spend your retirement how you choose, with independence and dignity, you should talk to us.

More information

EQUITY LOAN HOME HOWDO WE STAY IN OUR FAMILY HOME?

EQUITY LOAN HOME HOWDO WE STAY IN OUR FAMILY HOME? HOWDO WE STAY IN OUR FAMILY HOME? HOME EQUITY LOAN Welcome If you want the financial freedom to spend your retirement how you choose, with independence and dignity, you should talk to us. A Heartland Home

More information

Let s work together. Intermediary product guide.

Let s work together. Intermediary product guide. Let s work together Intermediary product guide. Launched in 2009, Aldermore champions Britain s businesses. We offer straightforward banking products and services to small and medium-sized businesses and

More information

Financial Challenges and Pains faced by SMEs. The funding options available to them at different stages of their development.

Financial Challenges and Pains faced by SMEs. The funding options available to them at different stages of their development. Financial Challenges and Pains faced by SMEs. The funding options available to them at different stages of their development. A Funding Whitepaper from SWBA. www.swba.co.uk 01225 580103 01932 244810 Table

More information

Incisive Business Guide to Factoring

Incisive Business Guide to Factoring Incisive Guide to Factoring Factoring Guide Summary This guide from Incisive outlines the features and benefits for your business from using factoring and invoice discounting services. Factoring is commonly

More information

An Introduction to Debtor Finance

An Introduction to Debtor Finance An Introduction to Debtor Finance For small businesses in Australia and around the world, cash flow remains one of the most persistent barriers to growth and profitability. With tight margins and limited

More information

M Simpson Associates

M Simpson Associates M Simpson Associates A Straight Talking Consultancy Business specialists with the ability to see through the smoke and get to the bottom line quickly Exclusive Business Insight from M Simpson 1 2 3 4 INVOICE

More information

EQUITY HOME. HowDO. we stay in. our family. home?

EQUITY HOME. HowDO. we stay in. our family. home? HowDO we stay in our family home? HOME EQUITY loan Welcome If you want the financial freedom to spend your retirement how you choose, with independence and dignity, you should talk to us. A Heartland Home

More information

EQUITY LOAN HOME STAY WHERE YOU BELONG. Seniors Finance

EQUITY LOAN HOME STAY WHERE YOU BELONG. Seniors Finance STAY WHERE YOU BELONG. HOME EQUITY LOAN Seniors Finance Welcome If you want the financial freedom to spend your retirement how you choose with independence and peace of mind knowing that unexpected costs

More information

A guide to the business services offered by: Also Trading As Really Useful Brokers Really Useful Factoring. 1 P a g e

A guide to the business services offered by: Also Trading As Really Useful Brokers Really Useful Factoring. 1 P a g e A guide to the business services offered by: Also Trading As Really Useful Brokers Really Useful Factoring 1 P a g e Contents Useful business contacts Business & Strategic Planning is not just for big

More information

Trading with other businesses on credit terms?

Trading with other businesses on credit terms? Invoice Finance Trading with other businesses on credit terms? Our services can help to speed up your cash flow, collect payment on your invoices and protect you from the risk of bad debts. Achieving and

More information

Invoice finance made simple

Invoice finance made simple Invoice finance made simple All you need to keep the cash flowing Your Invoice Finance Experts Your Invoice Finance Experts Contents This informative, easy-to-use guide has been put together to explain

More information

Business banking working for you

Business banking working for you Supporting Business - Working for you Business banking working for you First Trust Bank Business Banking First Trust Bank offers you the benefits you would expect from your bank and more; a great range

More information

A GUIDE TO ASSET BASED FINANCE

A GUIDE TO ASSET BASED FINANCE Asset Based Finance Demystified A GUIDE TO ASSET BASED FINANCE A Guide to Asset Based Finance Overview Asset Based Finance is a generic term used to describe funding against a range of corporate assets

More information

Trade and Stock Finance. A Funding Whitepaper from Pegasus Funding Resources. www.pegasusfunding.co.uk

Trade and Stock Finance. A Funding Whitepaper from Pegasus Funding Resources. www.pegasusfunding.co.uk Trade and Stock Finance A Funding Whitepaper from Pegasus Funding Resources. www.pegasusfunding.co.uk 01932 244810 peter.kelly@pegasusfunding.co.uk richard.olsen@pegasusfunding.co.uk ben.clark@pegasusfunding.co.uk

More information

A Guide to Factoring. Brought to you courtesy of: XL Business Finance www.xlbusinessfinance.co.uk

A Guide to Factoring. Brought to you courtesy of: XL Business Finance www.xlbusinessfinance.co.uk A Guide to Factoring Brought to you courtesy of: XL Business Finance www.xlbusinessfinance.co.uk A Guide to Factoring The biggest issue most businesses face today is not being able to get cash in quick

More information

+ What you ll learn from this? Improve your cash flow & learn about Asset- Based Loans

+ What you ll learn from this? Improve your cash flow & learn about Asset- Based Loans Improve your cash flow & learn about Asset- Based Loans + What you ll learn from this? For businesses in need of funding, one option is the assetbased loan. In this guide, you will learn about asset-based

More information

INVOICE FINANCE. Cash flow solutions that support business growth

INVOICE FINANCE. Cash flow solutions that support business growth INVOICE FINANCE Cash flow solutions that support business growth 1 Contents Invoice Finance 3 Invoice Discounting 5 Factoring 6 How Factoring works 7 Payroll Finance 8 How Payroll Finance works 9 Additional

More information

Helping businesses source finance

Helping businesses source finance SUPPORTING BUSINESS - SOURCING FINANCE Helping businesses source finance Helping businesses source finance These are challenging times for every business. The economic environment has changed and many

More information

Your bid for growth funds. Supporting your business with financing decisions

Your bid for growth funds. Supporting your business with financing decisions Your bid for growth funds Supporting your business with financing decisions Contents 3 Introduction 4 Preparing your application 6 Assessing applications 8 What Barclays considers 9 Funding solutions 10

More information

Financial Challenges and Pains faced by SMEs. The funding options available to them at different stages of their development.

Financial Challenges and Pains faced by SMEs. The funding options available to them at different stages of their development. Financial Challenges and Pains faced by SMEs. The funding options available to them at different stages of their development. A Funding Whitepaper from HCBA www.hcba.co.uk 01932 244810 Pegasus Funding

More information

Enterprise Finance Guarantee. Frequently Asked Questions NOVEMBER 2014

Enterprise Finance Guarantee. Frequently Asked Questions NOVEMBER 2014 Frequently Asked Questions NOVEMBER 2014 Section One EFG Eligibility Conditions My business meets the basic EFG eligibility criteria. Does that mean I will definitely get an EFG loan? No. Lenders retain

More information

Your business finance is in. good hands... www.gocommercialfinance.com 01446 506 508. Commercial & buy-to-let mortgages

Your business finance is in. good hands... www.gocommercialfinance.com 01446 506 508. Commercial & buy-to-let mortgages Your business finance is in Commercial & buy-to-let mortgages good hands... Asset, development & residential development finance Business loans, stocking finance, cash flow finance & bridging finance All

More information

THE ESSENTIAL GUIDE TO APPLYING FOR A BUSINESS LOAN TO APPLY FOR A BUSINESS LOAN

THE ESSENTIAL GUIDE TO APPLYING FOR A BUSINESS LOAN TO APPLY FOR A BUSINESS LOAN THE ESSENTIAL GUIDE TO APPLYING FOR A BUSINESS LOAN TO APPLY FOR A BUSINESS LOAN 7 TRIED-&-TESTED STEPS CONTENTS Contents 2 So you want to apply for a business loan? 3 STEP 1: Determine whether a loan

More information

DEBTOR FINANCE: Bank Overdraft VS Debtor Finance

DEBTOR FINANCE: Bank Overdraft VS Debtor Finance DEBTOR FINANCE: Bank Overdraft VS Debtor Finance A Bank overdraft and Debtor Finance are both forms of short term finance When you have a cash flow problem there are a few options available to you, those

More information

Gary Trueman Regional Director. Birmingham, Coventry and Warwickshire

Gary Trueman Regional Director. Birmingham, Coventry and Warwickshire Gary Trueman Regional Director Birmingham, Coventry and Warwickshire 1 Funding Funding What sources are available? How can we support you to get acce What can you do to support yourselv What can an SME

More information

Small Business confidence, funding and the potential for growth

Small Business confidence, funding and the potential for growth Small Business confidence, funding and the potential for growth Executive Summary Following the 2013 budget in March, Bibby Financial Services conducted three surveys, surveying a total of 1,450 SMEs to

More information

Know o ing Y o Y ur r Options s & How to Access Them

Know o ing Y o Y ur r Options s & How to Access Them Knowing Your Options & How to Access Them Funding Choices in Edinburgh & Scotland Type of Finance Investment Grants Loans Type of Finance Invoice Financing Owners Capital Cash From Profits Asset Finance

More information

tailored leasing for all shapes and sizes

tailored leasing for all shapes and sizes tailored leasing for all shapes and sizes Who is Shire Leasing? Shire Leasing was established in 1990 by chairmen John Worton and Martin Smith who used their previous experience in the leasing and finance

More information

Contact us free on 0800 085 5070 or visit www.mw-w.com

Contact us free on 0800 085 5070 or visit www.mw-w.com turnaround finance t-ban turnaround business angel network how t-ban works In the past there has been no effective way of bringing together pro-active investors and distressed businesses but t-ban offers

More information

A finance guide for working life

A finance guide for working life A finance guide for working life Contents Introduction Planning your short, medium and long-term needs 3 4 Your needs - our solutions The freedom to enjoy your money Savings to help pay for the important

More information

Contractors Guide to Choosing an Accountant

Contractors Guide to Choosing an Accountant Contractors Guide to Choosing an Accountant Genie Accountancy have produced this guide to illustrate the importance of selecting the correct accountant, an accountant who will strive to support your business

More information

YOUR GUIDE TO BUSINESS FINANCE

YOUR GUIDE TO BUSINESS FINANCE YOUR GUIDE TO BUSINESS FINANCE GIBSON HEWITT MAKES BUSINESS FINANCE EASY We put you at an advantage. Gibson Hewitt has knowledge of a wide range of business finance options from business lenders across

More information

Business finance. for the real world

Business finance. for the real world Business finance for the real world Business finance for the real world Here at ABN AMRO Commercial Finance, we work in the real world and know that life can be full of ups and downs, obstacles and frustrations.

More information

Funding Your Business

Funding Your Business Funding Your Business Your business idea may be solid, but without adequate funding your chances of success are slim. Starting a viable business takes judicious financial planning. There are several different

More information

Government Insured Reverse Mortgage

Government Insured Reverse Mortgage Government Insured Reverse Mortgage HECM (Home Equity Conversion Mortgage) Independence & Peace of Mind for Seniors From the company providing Mortgage options Since 1968. What is a HECM or Reverse Mortgage

More information

4R Business Recovery HMRC Debt Guide

4R Business Recovery HMRC Debt Guide 4R Business Recovery HMRC Debt Guide 4R Business Recovery Helping You Turnaround Your Business A Few Words From Kevin Here at 4R Business Recovery, we understand that no two businesses are the same. Every

More information

LEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages

LEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages LEGAL & GENERAL HOME FINANCE Guide to Lifetime Mortgages A lifetime mortgage could give you the freedom to really enjoy your retirement. We re delighted you re finding out more about lifetime mortgages.

More information

Accident, Sickness & Hospitalisation Plan. Paying you an income if you can t work. Ireland. Changing the image of insurance.

Accident, Sickness & Hospitalisation Plan. Paying you an income if you can t work. Ireland. Changing the image of insurance. Accident, Sickness & Hospitalisation Plan Paying you an income if you can t work Ireland Changing the image of insurance. Preparing for the unexpected... What would happen to you and your family if you

More information

Capstone Financial Group Client focused, integrity driven advice

Capstone Financial Group Client focused, integrity driven advice Capstone Financial Group Client focused, integrity driven advice Welcome to the Capstone Financial Group. We are an Independent Financial Planning and Wealth Management Company, specialising in providing

More information

Information booklet for small and medium enterprises (SMEs) in financial difficulty

Information booklet for small and medium enterprises (SMEs) in financial difficulty Information booklet for small and medium enterprises (SMEs) in financial difficulty We understand that in the current economic climate SMEs can experience difficulties meeting their financial commitments.

More information

MICROSOFT DYNAMICS NAV

MICROSOFT DYNAMICS NAV MICROSOFT DYNAMICS NAV Quick to implement and easy to use Enterprise Resource Planning (ERP) software. Already increasing efficiency in more than 100,000 companies worldwide. Manage your finances, supply

More information

CASE STUDIES. has experience in a wide variety of sectors and company situations.

CASE STUDIES. has experience in a wide variety of sectors and company situations. CASE STUDIES Trans Capital Associates has experience in a wide variety of sectors and company situations. Working closely with our clients, we ensure we find the right answers for their specific needs,

More information

Resource 4.5. A Summary of Sources of Finance for Starting a Business

Resource 4.5. A Summary of Sources of Finance for Starting a Business A Summary of Sources of Finance for Starting a Business Resource 4.5 Many new businesses fail because the owner does not have enough cash to last them through the first few months of trading, while their

More information

Business Start-Up Package

Business Start-Up Package Business Start-Up Package Ireland s Enterprise Bank Everything you need to help your business start and grow When it comes to starting a business, you have a number of decisions to make. One of the most

More information

belgraviafinance corporate profile

belgraviafinance corporate profile belgraviafinance corporate profile belgraviafinance a business unit of belgraviagroup Belgravia is a customer-focussed provider of finance to business. When you need money, it is in your interests to get

More information

MUtUaL interest SHOW SPECIAL EXCLUSIVE SHOW OFFERS INSIDE. WiLL you Be able to fulfil your retirement aspirations? The importance of income protection

MUtUaL interest SHOW SPECIAL EXCLUSIVE SHOW OFFERS INSIDE. WiLL you Be able to fulfil your retirement aspirations? The importance of income protection MUtUaL interest Autumn 2013 SHOW SPECIAL EXCLUSIVE SHOW OFFERS INSIDE The importance of income protection Modernising the mutual Partner products WiLL you Be able to fulfil your retirement aspirations?

More information

FINANCING A BUSINESS. Copyright MBM Commercial LLP. All rights reserved.

FINANCING A BUSINESS. Copyright MBM Commercial LLP. All rights reserved. FINANCING A BUSINESS Introduction Businesses are either net generators or net expenders of cash. Any business which expends cash long enough will not survive. Many profitable businesses which generate

More information

asset based lending supporting private equity

asset based lending supporting private equity asset based lending supporting private equity ABN AMRO Commercial Finance is a leading cross-border asset based lender, operating in the Netherlands, UK, Germany, France and Belgium. We offer a range of

More information

CAF Bank features and benefits

CAF Bank features and benefits CAF Bank features and benefits Thank you for choosing CAF Bank for your everyday banking needs. If you have any questions please do not hesitate to call our Customer Services team on 03000 123 456. About

More information

TURNAROUND OF SMALL AND MEDIUM SIZED ENTERPRISES

TURNAROUND OF SMALL AND MEDIUM SIZED ENTERPRISES TURNAROUND OF SMALL AND MEDIUM SIZED ENTERPRISES Definition of a Small and Medium Sized Enterprise (SME) Turnover Not more than Balance Sheet Not more than Employees Not more than Small 6.5 million 3.26

More information

Factoring and Invoice Discounting A Discussion Document from Pegasus Funding Resources

Factoring and Invoice Discounting A Discussion Document from Pegasus Funding Resources Factoring and Invoice Discounting A Discussion Document from Pegasus Funding Resources What is Invoice Finance? Many businesses these days can be well run and fundamentally sound, yet constantly suffer

More information

A guide to the Lending Code

A guide to the Lending Code A guide to the Lending Code For micro-enterprises Introduction This guide gives you an introduction to the standards you should expect from banks, building societies and credit-card providers who follow

More information

HOW DO SMALL BUSINESSES OPERATE

HOW DO SMALL BUSINESSES OPERATE HOW DO SMALL BUSINESSES OPERATE Sources of Finance and Advice N4 BUSINESS IN ACTION N5 UNDERSTANDING BUSINESS LEARNING INTENTIONS AND LEARNING INTENTION: I understand the SUCCESS CRITERIA different sources

More information

SMALL BUSINESS GROWTH

SMALL BUSINESS GROWTH MAKE SMALL BUSINESS GROWTH HAPPEN For more information go to nedbank.co.za or visit a branch to speak to a Nedbank consultant. PARTNERING FOR GROWTH 8586 Nedbank Small Business Brochure 200x200_Rev3.indd

More information

for Your Business Providing working capital for business

for Your Business Providing working capital for business The Cost-Effective Cash Flow Solution for Your Business Providing working capital for business Your invoices represent one of your most valuable business assets however, until they are paid, they are not

More information

Team Steps to Success Skills for running and sustaining your childcare business. Business. success for. Managing your childcare business.

Team Steps to Success Skills for running and sustaining your childcare business. Business. success for. Managing your childcare business. Team Steps to Success Skills for running and sustaining your childcare business Managing your childcare business Business success for Childcare Welcome to Team Steps to Success Team steps to success is

More information

Guide to Current Account Switching

Guide to Current Account Switching Guide to Current Account Switching Thinking of switching? All you have to do is follow these 3 easy steps to move to your new Allied Irish Bank (GB) current account. Get in touch! Call into a branch, or

More information

Your Options. A simple guide to available debt options

Your Options. A simple guide to available debt options Your Options A simple guide to available debt options Contents Welcome 3 Our Customer Service Charter 3 Protected Trust Deeds 4 Debt Arrangement Scheme 6 Sequestration 8 Debt Management Plan 10 Minimal

More information

Why is a broker a better financial choice than going to my bank? Here are the first 18 reasons... www.mortgageaustralia.com.au

Why is a broker a better financial choice than going to my bank? Here are the first 18 reasons... www.mortgageaustralia.com.au Why is a broker a better financial choice than going to my bank? Here are the first 18 reasons... Reason #1 Choice = a cheaper loan for you The biggest advantage of a broker over a bank is choice. When

More information

FUNDING SNAPSHOT 2013

FUNDING SNAPSHOT 2013 FUNDING SNAPSHOT 2013 Case Study How do I raise more finance for my business? Until recently the big banks were the first stop for businesses wanting to borrow money, but the marketplace is changing. Alternative

More information

PERSONAL GUARANTEE INSURANCE FAQ S

PERSONAL GUARANTEE INSURANCE FAQ S PERSONAL GUARANTEE INSURANCE FAQ S 1. What is a Personal Guarantee? When business owners or directors of small to medium enterprises (SMEs) secure a loan, invoice financing or overdraft from banks and

More information

Funding business expansion. Asset Finance and Asset-Based Lending as alternative approaches to Debt Finance

Funding business expansion. Asset Finance and Asset-Based Lending as alternative approaches to Debt Finance Funding business expansion Asset Finance and Asset-Based Lending as alternative approaches to Debt Finance Targeting growth If there was any doubt whether the UK economy remains on the path to growth,

More information

Lyons Health. for corporate and SME customers

Lyons Health. for corporate and SME customers Lyons Health for corporate and SME customers Our Customer Charter Client interest at our core Compliance best practice Easy to do business with Lyons Financial Services Continuous Development Professional

More information

B. Bibby Barometer Small Business Survey findings:

B. Bibby Barometer Small Business Survey findings: A. Research structure: Q & A for Bibby Barometer findings 1. Who did the research? The Bibby Barometer Small Business Survey was conducted by Galaxy Research - a well-known Australian research company.

More information

The AR Factor. The economic value of Accounts Receivable Finance to Europe s leading economies October 2011

The AR Factor. The economic value of Accounts Receivable Finance to Europe s leading economies October 2011 The AR Factor The economic value of Accounts Receivable Finance to Europe s leading economies October 2011 Executive Summary The purpose of this report is to assess the benefits that Accounts Receivable

More information

Alternative Finance for Small Business

Alternative Finance for Small Business Accountants E-Guide Alternative Finance for Small Business Find the best options for your clients What is Alternative Finance? Alternative Finance, or Non-Bank Finance means those financial products provided

More information

Top Ten Tips when choosing a support provider

Top Ten Tips when choosing a support provider Top Ten Tips when choosing a support provider This is a guide to help anyone who needs to buy social care support for themselves or a friend or relative (an adult or a child). It aims to help you learn

More information

Wealth management Guide for financial advisers

Wealth management Guide for financial advisers Wealth management Guide for financial advisers Wealth management 1 Contents 01 Welcome to Standard Life Wealth 03 Why choose Standard Life Wealth to work with? 04 How we aim to meet your clients financial

More information

GLOBAL INSURANCE FOR EXPATRIATES. Your health in our hands

GLOBAL INSURANCE FOR EXPATRIATES. Your health in our hands GLOBAL INSURANCE FOR EXPATRIATES Your health in our hands THE challenges EXPATRIATES FACE Life as an expatriate is full of exciting opportunities, but there are potential problems to consider too: A serious

More information

Current Accounts Introducing control

Current Accounts Introducing control Current Accounts Introducing control Helping you keep your finances on track Manage your money easily If you don t want to use an Unplanned Overdraft, we can help. We ve designed an add-on for the Classic

More information

Funding your Business October 2014

Funding your Business October 2014 Steve Plaskitt Corporate Finance Partner 07881 511 853 steve.plaskitt@taitwalker.co.uk Funding your Business October 2014 Contents Overview Finding the right structure Sourcing the right funding Internal

More information

Buying a Home. 2012 Page 1 of 6, see disclaimer on final page

Buying a Home. 2012 Page 1 of 6, see disclaimer on final page Buying a Home Page 1 of 6, see disclaimer on final page Buying a Home What is it? Finding the right home to buy can be a challenging prospect, but knowing what to expect can make the process easier. You

More information

Mortgage advice you can depend on

Mortgage advice you can depend on Our Mortgage advice you can depend on Whether buying your first home, buying to let, or remortgaging, this guide tackles the main considerations. If you want to learn more and receive advice tailored to

More information

Accessing Finance: A Guide for Food and Drink Companies

Accessing Finance: A Guide for Food and Drink Companies Accessing Finance: A Guide for Food and Drink Companies 2 1 loan bank equity FINANCE GROWTH Contents Page 1 Introduction 2 2 Types of Finance 4 2.1 Founder, Friends and Family 4 2.2 Equity Investors 5

More information

January 2015. Review of the Code of Conduct for Business Lending to Small and Medium Enterprises. Consultation Paper CP91

January 2015. Review of the Code of Conduct for Business Lending to Small and Medium Enterprises. Consultation Paper CP91 January 2015 Review of the Code of Conduct for Business Lending to Small and Medium Enterprises Consultation Paper CP91 1 2 1. Introduction The Code of Conduct for Business Lending to Small and Medium

More information

Claims Guide. Helping you when you need it most

Claims Guide. Helping you when you need it most Claims Guide Helping you when you need it most 1 2 At Bank of Ireland Life, we understand that this is a very difficult time for you so we ve written this Claims Guide to help answer any questions you

More information

RELEVANT TO ACCA QUALIFICATION PAPER F9. Studying Paper F9? Performance objectives 15 and 16 are relevant to this exam

RELEVANT TO ACCA QUALIFICATION PAPER F9. Studying Paper F9? Performance objectives 15 and 16 are relevant to this exam RELEVANT TO ACCA QUALIFICATION PAPER F9 Studying Paper F9? Performance objectives 15 and 16 are relevant to this exam Business finance Section E of the Paper F9, Financial Management syllabus deals with

More information

Cost of Credit. How much is customer credit REALLY costing your business? Tips & advice for effective credit management

Cost of Credit. How much is customer credit REALLY costing your business? Tips & advice for effective credit management Cost of Credit How much is customer credit REALLY costing your business? Tips & advice for effective credit management Group UK The best advice any business can follow to ensure they do not experience

More information

We provide a truly personal service

We provide a truly personal service We provide a truly personal service Welcome C. Hoare & Co. is a bank which is proud of its heritage but focused on the future. We combine the traditional values of prudence and integrity with thoroughly

More information

Graduate Programme 2016. Put yourself at the centre of the action

Graduate Programme 2016. Put yourself at the centre of the action Graduate Programme 2016 Put yourself at the centre of the action Are you an ambitious and enthusiastic graduate hoping to launch an exciting career in financial services? Do you want to be at the centre

More information

PRODUCT CATALOGUE. for. SMARTPHONE / WEBSITE / DIGITAL EDITION / BOOK / ipad / GPS

PRODUCT CATALOGUE. for. SMARTPHONE / WEBSITE / DIGITAL EDITION / BOOK / ipad / GPS PRODUCT CATALOGUE for This product catalogue has been downloaded from COSSD.com. Listed products/services and their descriptions are shown as supplied by the title company COSSD does not guarantee the

More information

Managing Cash Flow & Accessing Finance

Managing Cash Flow & Accessing Finance Managing Cash Flow & Accessing Finance A Presentation by Clive Lewis, Head of Enterprise, Institute of Chartered Accountants in England & Wales (ICAEW) Managing Cash Flow & Accessing Finance Presentation

More information

Hilton-Baird s SME Trends Index

Hilton-Baird s SME Trends Index Hilton-Baird s SME Trends Index April 2012 Introduction WITH the Office for National Statistics confirming that the UK has slipped into its first double-dip recession for the first time since the 1970s,

More information

GLOBAL INSURANCE FOR EXPATRIATES. Your health in our hands

GLOBAL INSURANCE FOR EXPATRIATES. Your health in our hands GLOBAL INSURANCE FOR EXPATRIATES Your health in our hands THE challenges EXPATRIATES FACE ABROAD Life as an expatriate is full of exciting opportunities, but there are potential problems to consider too:

More information

BANKING CHARGES. March 2015

BANKING CHARGES. March 2015 BANKING CHARGES March 2015 Contents Your guide to our charges 1 Current account fees 2 Overdrafts 5 Our Control Option 9 Examples Unplanned Overdraft Fees 11 Debit card and Cashpoint card charges 13 Other

More information

LATE PAYMENT. An analysis by sector

LATE PAYMENT. An analysis by sector LATE PAYMENT An analysis by sector Late Payment: An analysis by sector Introduction For any business, the length of time taken for invoices to be paid is critical. It determines cash flow, the business

More information

Close Brothers Asset Finance Restructures and refinancing. James Waterson 19 th February 2013

Close Brothers Asset Finance Restructures and refinancing. James Waterson 19 th February 2013 Close Brothers Asset Finance Restructures and refinancing James Waterson 19 th February 2013 Close Brothers Asset Finance Part of Close Brothers Group plc - FTSE 250 listed - Employ in excess of 400 staff

More information

YOUR GUIDE TO BUYING A NEW HOME.

YOUR GUIDE TO BUYING A NEW HOME. YOUR GUIDE TO BUYING A NEW HOME. THE ROAD TO YOUR NEW HOME STARTS HERE. Buying a new home is exciting, but there s a lot to think about. We re here to help, with practical tips and online tools that make

More information