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03/04/2017 - Brexit, forecasting and cash flow ...View pdfPDF

19/01/2016 - Guide to Cash Flow Forecasting...View pdfPDF

05/11/2014 - Business Loan Success Rates and Costs...View pdfPDF

11/09/2013 - More than 1 in 10 SMEs now use invoice finance, SME Finance Monitor...View

30/11/2012 - Obtaining Finance for SMEs...View

30/03/2012 - Stamp price rises make Spindle more valuable than ever...View

02/02/2012 - Double-dip recession? Who will help mid-sized companies?...View

04/02/2011 - Managing Cash in 2011...View

04/02/2011 - Will my bank lend to me in 2011...View

14/07/2010 - foreCASH featured in Network News...View pdfPDF

27/04/2010 - Bank lending to private companies falls by 5.7% in the year to March 2010...View

15/04/2010 - 18% of manufacturers say - More than half of invoices paid late...View

30/10/2009 - £14 report could have saved chancellor £billions ...View pdfPDF

30/04/2009 - foreCASH featured in Accountancy Age (April 2009)....View pdfPDF

28/02/2009 - Third of businesses drop customers ...View

30/06/2008 - In denial or just depressed? ...View

31/01/2008 - Business confidence at two year low ...View

31/10/2007 - Lean times ahead? ...View

29/03/2007 - Buying or renting? ...View

31/01/2007 - Spreadsheet blues ...View

30/11/2012 - Obtaining Finance for SMEs

Obtaining finance – a guide for Small and Medium Enterprises.

In November 2012 the Institute of Chartered Accountants in England and Wales (ICAEW) issued a 16 page guide to SME Finance.

The full document is available on our website click here PDF
and within the guide we have highlighted a few key points including:

  • Business loans – in almost all instances there will be a need for a business to put up security against the loan, and/or the directors to give personal guarantees.
  • Bank overdrafts – are repayable on demand, security may still need to be provided.
  • Enterprise Finance Guarantee – Lenders are likely to request personal guarantees (even though the scheme has some government support).
  • Asset based lending / invoice discounting and factoring – Personal guarantees rarely required, funding tracks sales.. but..diminishes with shrinking orders.
  • Equity Finance (shares) – investors expect a higher potential return (than bank).. processs demanding, costly and time consuming.. business may suffer as time Is devoted to the deal.
  • Funding Innovations – ‘Crowdfunding’ – Take note of FSA Warning on adequacy of protection for investors.



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