Essential guides for business

P2P and Private Debt Investment- Case Study

The best three-minute case study on debt investment that has ever been written. If you represent a family office or you're an HNWI don't miss this out.

Debt investment framework for P2P platforms

If you're considering debt investment over a P2P platform or some forms of private credit this framework may help.

Invoice Finance

Invoice finance is a collective term for debt facilities that use outstanding invoices, i.e. your debtor book or trade receivables as a form of loan security. The facility allows borrowers to access cash that is otherwise tied up in unpaid invoices.  Many businesses use invoice finance as a funding solution to unlock working capital to improve cash flow.

Part-time Finance Director

I make a living speaking to business leaders. What has surprised me is just how many don't have an experienced finance lead on a full-time (five days) or part-time basis. 

Commercial Finance Broker

Commercial finance brokers act as intermediaries between businesses that want to borrow and commercial lenders that want to lend. They are there to provide commercial finance solutions.

Unsecured Business Loans

There is no legal definition of what an unsecured business loan is. In the UK it is taken to mean business debt without any form of charge registered against a specific business asset, group of business assets, or over the share capital of the business (a share charge). 

Secured Business Loans

Secured business loans are issued by business lenders to entities with business assets e.g. commercial property, plant, equipment, inventory, or other valuable assets. These company assets collateralise the debt, in much the same way a house is collateralised by a personal mortgage.

Revolving Credit Facilities

A revolving credit facility (RCF) is a type of credit facility similar to a business credit card or a bank overdraft. Unlike a bank overdraft, the RCF does not effectively extend the balance of the business bank account

Bridging Loans

A bridge loan is a form of short-term lending commonly used for property development and property purchases. The duration will typically be a few months but could be as long as a year or two.

Personal Guarantees

Personal guarantees are commonly required by lenders to minimise their risk when lending money to a business. Before you become a business loan guarantor, you should know the legal basics of the contractual relationship you're entering into.

Types of Business Loan

BorrowingWell has noted more than 100 loan services listed by UK business loan brokers.

Alternatives to a Business Loan

Alternative ways to improve working capital.

How to Get a Yes When Applying for a Business Loan

Most of the work is complete. Now all you need to do is not snatch defeat from the jaws of victory.

A Good Business Loan Application

Whether to approve your business credit or not isn’t always a tick box exercise.

Director’s Loan Account

Real world scenarios for Directors to consider.

Living with the Loan

The best opportunity to find the correct option is before entering any loan agreement, not after.

Interim Finance Director

If you’re thinking about making an appointment read this first.

Business Loan Jargon

With a focus on debt finance.