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5 tips for a successful business loan application

5 tips for a successful business loan application

If you are applying for a business loan, there are a few ways to maximise your chances of approval. Given the amount of business loan lenders to choose from, having all the information at hand and knowing where to apply can help speed up the application process and hopefully help you get the funding.

The business loan application process can vary between lenders and brokers, however they all follow similar procedures. Having a clear picture of how they operate is important.

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what are alternative lenders

What are alternative lenders?

Alternative finance providers have stepped up to fill the gap in traditional lending, which has been a lifeline for many businesses.

Many businesses can benefit from this alternative route when applying for a commercial business loan as it can be quicker and easier to seek out funding. Many lenders need minimal information to get the ball rolling.

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business loan eligibilty

Business Loan Eligibility

There is no “one size fits all” when it comes to eligibility for business loans due to the differences in business types, funding needs and lender criteria.

Finding the right lender and the correct facility for your requirements can be time consuming and differences in eligibility between lenders can make the process even more difficult.

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how credit score affect loans

How does your credit score affect loan applications?

When applying for a business loan, lenders will look at credit scores to assess whether you are eligible for a loan and will gauge this on how high or low your score is.

Credit scores are often used as an indication of how you manage your credit agreements and whether you can afford more credit. There are a wide range of small business loans available and choosing the right one for your company and borrowing needs is extremely important.

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what are small business loans

What are small business loans

A small business loan is a form of finance aimed to help businesses access additional funding.

There are a wide range of small business loans available and choosing the right one for your company and borrowing needs is extremely important.

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what is a personal guarantee

What is a personal guarantee on a loan?

Find out what a personal guarantee on a loan is.

As a condition of raising business finance, directors are often required to provide additional security to the lender by signing a personal guarantee. A personal guarantee is a legal promise to pay back a loan in full as per your agreement. In other words, an agreement to act as guarantor for the loan.

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Secured vs Unsecured Business Loans

Secured vs Unsecured Business Loans

Find out the differences in secured and unsecured business finance.

Unsecured loans are those that are not secured against personal or business assets. Most secured loans are secured against property or business assets.

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what use security business loan

What can I use as security for a business loan?

Find out what you can use as security for a secured business loan.

There are range of different types of assets that are eligible to be used as security. How much you can borrow depends on which type of asset you use as security.

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best business loans of 2021

What are the best business loans in 2021?

The finance market has been unpredictable throughout the past 18 months due to COVID-19 pandemic and national lockdown in the UK.

Many businesses have been successful in securing government backed funding given the range of emergency funding implemented by the UK Government.

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Unsecured Business Loans

A guide to unsecured business finance

Unsecured business loans do not use any tangible assets, either personal or business, as collateral when applying for business finance. When using unsecured finance, lenders look at your personal credit rating, business bank accounts and business financial reports, this is known as an affordability assessment.

How they decide on your suitability for business loans varies from lender to lender based upon their own predefined affordability criteria, but all lenders must ensure that they carry out responsible lending.

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vat loans and how they can help

How VAT loans can benefit your business

You can apply for [VAT Finance] if you can’t pay your VAT on time, so you don’t incur late payments penalties.

This cost alone can increase your accounts payable, in addition to any current expenses your company is already liable for.

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adapting for ecommerce

Adapting your business model for online trading

Are you unsure of how to adapt and include online trading in your business? 

Even though there are many businesses trading online, there are still several industries that have yet to take the plunge into the world of e-commerce.

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Asset Depreciation

What is Asset Depreciation?

What is Asset Depreciation and how is it calculated? Most assets will lose value over time, this is known as depreciation.

Depreciation is caused by age and wear and tear and can be calcualated in a number of ways.

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Asset Finance

What is Asset Finance?

Lease Rental or Hire Purchase agreements are types of asset finance, which companies can use to buy brand new assets or refinance existing assets. Asset finance can be used for almost all tangible assets.
For example, vehicles and wheeled equipment, plant and machinery amongst other items.

It is a vital tool for many organisations as it enables them to purchase equipment or release equity from existing assets already owned.

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Invoice Finance

What is Invoice Finance?

Invoice finance is a way to fund slow paying invoices without having to wait for your clients to pay.
It is a type of business finance offered to companies who want to release money tied up in outstanding invoices.
There are two main types of invoice finance - Invoice Factoring and Discounting.

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Inovoice Factoring

What is Invoice Factoring?

It is a type of invoice finance offered to companies who want raise finance secured on their sales ledger.
Invoice factoring is also known as debt factoring and differs from the other type of invoice finance known as invoice discounting

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Invoice Discounting

What is Invoice Discounting?

Discounting is similar to invoice factoring, however the main difference is that you still remain in control of your sales ledger and therefore debts. Because of this, fees tend to be lower.
SMEs are currently chasing £50 billion in late payments from outstanding invoices.

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How to get a business loan in 4 simple steps

1. Have your documents ready to provide to a broker or lender.

2. Pick the right lender/broker

3. Keep on top of communications with your broker.

4. Review loan offer and accept

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how to get a business loan

Business loans | A guide to getting business funding

How you qualify for a business loan varies between lenders, however there are common criteria that you must meet.

  • Have a trading business for at least 1 year
  • Provide company financials such as accounts and bank statements
  • At least 1 director to be a UK homeowner if a relatively new start business (NOTE not required for long established entities)
  • Have a rationale for the funds required

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medical practice funding

Medical Practice Loans | A guide to medical practice finance

Medical practice funding can be highly beneficial to a variety of practices for several reasons. Many practice owners are taking advantage of additional funding to:

  • Expand through buying a practice
  • Purchase new equipment
  • Pay VAT & Tax bills (VAT where applicable)
  • Renovate existing practices
  • Increase working capital and cashflow reserves
  • Pay NHS dental clawbacks

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HMRC Time to Pay

HMRC Time to Pay

What if I can’t pay my VAT Tax bill on time?

There are times when business and individuals struggle to pay their VAT and tax bills on time for a variety of reasons. This may be due to unexpected costs, reduced seasonal income or lack of general cashflow to name a few.

When a Vat or Tax bill is due HMRC will expect you to pay it straight away if they think you

have the financial means to do so.

As of 13 January 2018, HMRC no longer accept credit card payments due to EU restrictions on credit card payment fees.

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sme finance

SME Finance | A guide to securing SME funding

There are many forms of SME funding available to UK businesses and selecting the correct lender can be a difficult task for business owners.

Selecting the most suitable SME finance product and provider is extremely important for several reasons.


  • Suitability – is the loan facility the best fit for your organisation
  • Affordability - are repayments suitable for your financial status
  • Terms – are the funding terms right for your needs

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solicitors funding

Funding For Solicitors

Legal professionals are becoming more aware of the positives of using specialist finance facilities to assist in the operation of their business.

Many are using funding to;

  • Assist with cash flow by releasing money tied up in disbursements
  • Increase volumes of cases by assisting with acquisition costs and all associated disbursements
  • Manage exposure to lenders, which in turn enables them to access additional business funding when required

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Property Development and funding

How to get started in property development and secure funding

Property Development takes planning, time and most importantly money.

There are many routes you can take to become a property developer, either alone, in a partnership or using a property investment company.

Regardless of which route you take, you will always need adequate funding to get the ball rolling. Funding can come from a variety of sources......

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Fintech and RLA Captial

What is fintech?

Fintech/Financial Technology, refers to the combination of new technology systems and the traditional financial sectors operating methods. It incorporates the delivery and design of financial services that are accessed via online technologies......

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Advantages to using a finance broker

Advantages to using a finance broker

It is difficult to rate the advantages of using a finance broker by importance, due the varying reasons as to why companies chose to/are considering sourcing finance via a broker. One of the most obvious advantages however......

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Business Loans for Bad Credit

Can I get a business loan with bad credit?

A question many business owners ask but don’t know what options are available for their credit status.

When obtaining business finance via traditional banks and lenders, an adverse credit status can be another barrier or hurdle in finding a lender who is willing to lend to your business.

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Making Tax Digital

Making Tax Digital comes into force in April 2019

As most of you are aware Making Tax Digital comes into force in April 2019. The majority of businesses with UK taxable supplies in excess of £85k per annum will be caught by MTD.

‘UK taxable supplies’ means all income that has a UK place of supply and is subject to UK VAT at the zero, reduced or standard rate. It also includes ‘deemed’ supplies, for example where a UK business receives services from overseas that would be liable to VAT if bought from a UK supplier......

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best business loans of 2019

Which Business Loan 2019

The best business loan for you and your company depends on what the funds will be used for. There are a wide range of different types of finance options available for different purposes and financial statuses.

There are too many factors and variables to take into consideration, and these vary from business to business, to say that one type of loan is the best for you and your needs.

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