I am regularly seeing posts on US finance and business sites offering ‘Merchant Cash Advances’ and they are becoming more popular in the UK also. Thought a simple explanation might be useful. Merchant Cash Advances are provided by specialist lenders, to businesses that have a reasonable volume of credit card receipts. The way that they Read more about Merchant Cash Advances – what are they?[…]

Following on from my earlier blogs: I remember a business that I had as a demanding client when I myself was their bank manager. They didn’t have signficant facilities with us and tended to be in credit most of the time. However the owner was paranoid about the fragility of their cash flow and how Read more about Lender Relations – Part III – a favourite customer…[…]

Attended an event this week looking at how large Corporate ‘Investor Relations’ teams work in communicating with shareholders. It reinforced for me that the same approach should be used to communicate with providers of debt and working capital. They are effectively stakeholders in the business (i.e. they can affect it and also be affected by Read more about Lender Relations – Part II[…]

Many businesses use asset finance but often only for the purchase of new equipment- i.e. the most obvious tangible items that are the ‘bread and butter’ of most asset finance lenders. Asset finance can however be used more creatively – here are some examples of cases I have been involved in: A business owner who Read more about How asset finance can unlock your funding problems[…]