How You Can Use Asset Finance to Grow Your Business

asset finance to help you start and grow your business

Whether you’re starting a business, or taking it to the next level, the right finance can be a significant factor in driving growth.

Perhaps the growth of your business depends upon the purchase of new equipment to enable you to increase capacity, provide additional services, or win a particular new contract. In that case, asset finance could be the key to unlocking your growth potential. (more…)

How to Nail the Messaging Around Your Equity Crowdfunding Campaign

nail crowdfunding messaging

In the minds of many an entrepreneur, equity crowdfunding should be a shoo-in. You’ve had the spark of a bright idea, built a remarkable product, and a strong business model – the crowd would be mad not to invest, right?

Sadly, the reality is often very different so we asked crowdfunding expert, John Auckland, to explain why engaging messaging is vital, and how to craft a compelling message. (more…)

How to Get Your Equity Crowdfunding Campaign Past Due Diligence

how to do due diligence for crowd funding campaign

Early-stage businesses have a great opportunity to use equity crowdfunding to raise funds, grow brand awareness, and build a loyal crowd of supporters, even before the product launch.

However, while it may look simple to set up and run an equity crowdfunding campaign on a platform like Crowdcube or Seedrs, it actually takes a lot of preparation behind the scenes. (more…)

How to Reinvigorate a Stalling Crowdfunding Campaign

How to rescue a failing crowdfunding campaign

Equity crowdfunding requires a lot of preparation, which means business owners have to find some significant time ahead of a campaign. And after putting weeks of effort, it can be devastating to see a lacklustre response from the crowd.

So, if your crowdfunding campaign isn’t going to plan, here are the steps you should take to get it back on track. (more…)

How to Choose the Right Business Loan

choose best business loan

There are lots of things to think about if you’re considering taking out a business loan. The UK’s business lending market includes a wide range of providers offering subtly different types of business loans.

If your business needs to borrow money, here are some of the key considerations you need to bear in mind when deciding which business loan is best for you. (more…)

Secured v Unsecured Business Loans – The Key Differences

secured or unsecured loan what's the difference

If you need finance for your business, one route you can take is a business loan. Business loans now come in a wide variety of shapes and sizes, so you’ll need to choose the loan that’s best suited to your situation.

One of the main options you’ll have is whether to take out a secured, or unsecured business loan, so let’s look at what this means. (more…)

A Guide to Merchant Cash Advances

merchant cash advance - borrow against card terminal receipts

If you need an injection of cash for your business, there are now many different and increasingly flexible alternative finance products available to suit your unique requirements.

One of the more recent and most innovative among them is the merchant cash advance. So what exactly is a merchant cash advance, and is it a suitable form of finance for your business? (more…)

4 Ways to Make Your Crowdfunding Campaign Stand Above the Rest

how to make your crowdfunding campaign stand out

Equity crowdfunding has flourished as a key form of alternative finance for early and growth stage businesses. It’s become a great alternative to bank loans and other traditional funding sources, allowing entrepreneurs to engage a crowd of passionate investors for financial backing.

However, the popularity of equity crowdfunding has left platforms, like Crowdcube and Seedrs, rather overcrowded with hundreds of active campaigns at any one time. (more…)

The Future of Fundraising

Future of fundraising - digital community

As a small business owner fundraising can be a daunting prospect but digital technology is changing this. You can now raise the funds you need to develop and expand your business in a way which you’ll find more user-friendly and which puts you in control of the process. (more…)

Alternative Finance – New Funding Options for Small Businesses

Alternative finance loans

Young businesses and start-ups that are looking to raise funding have a dizzying array of choices nowadays. In fact, there has probably never been a bigger range of places to go for early-stage finance, from crowdfunding and angel investors through to government-backed start-up loans and P2P lenders. (more…)

How to Build the Perfect Pitch Deck for Raising Funds

How to create a great pitch deck to raise funding

Most entrepreneurs really struggle to bring in investment without the proper tools to bolster their proposition. An engaging pitch deck is a key part of any successful fundraising strategy, so it’s vital to get it right.

With no clear consensus on what a great pitch deck for raising funds looks like, we asked funding expert, John Auckland to share the insight he has gleaned from a series of successful fundraisings. (more…)

How to Keep Your Investors On-Side

Why you must communicate with your investors and 3 ways to do this

Entrepreneurs usually need investors to stump up the funding to fuel their dreams. The mistake many make is putting a huge effort into persuading investors to back them, only to neglect them once they have invested.

This approach is damaging, especially when you need more investment for your next phase of growth, so we asked, Scott Haughton, COO at Envestors to explain why you need to communicate with your investors and how to do this. (more…)

How to Communicate Effectively With Investors

investor communications tips

Fundraising for your business is rarely a walk in the park. It’s a tough process, regardless of the industry you’re in, it can take up vast amounts of time, and more often than not, ends in failure.

Communicating effectively with investors will really boost your chances of success, so we asked funding expert, John Auckland, to reveal which buttons you need to press to get investors onboard. (more…)

5 Reasons Why You Should Crowdfund in 2019 (and How to Get Started)

how to get started with crowdfunding

There’s never been a better time to start or grow a business in the UK, with more funding options and tax incentives (for companies and investors) than ever before.

Crowdfunding is an option that more businesses are turning to, so if you’re looking to turn a great entrepreneurial idea into a reality, or to scale your business to the next level, here are five reasons why you should consider equity crowdfunding, plus some practical advice on how to succeed with your campaign; (more…)

5 Ways to Unlock Finance for Your Start-Up Business

How to get funding for your startup business

Everybody understands that starting up a business from scratch is not a simple process or an easy challenge to take on. Regardless of how lofty your ambitions are or whether you’re aiming to establish yourself as a sole trader or as a the boss of a burgeoning new enterprise, finding access to initial and early-stage sources of finance is a vitally important step along the way towards sustainability and success.

Here’s a look at some of the most commonplace and most viable routes to finance currently available to startup businesses. (more…)

How to Get Funding Fast: The Quickest Routes to Finance for SMEs

Finding business funding fast

When you need to find business funding fast, what are your options and what are the quickest ways for you to secure more finance?

We talk you through the most viable fast funding options for SMEs who need finance in a hurry, and include practical tips on how to ensure your funding application goes as swiftly and smoothly as possible. (more…)

Short term business loans – when to consider using them

when to use short term loan or funding

Like many people, you may have always dreamed of starting your own business. Being your own boss, making your own hours and realising your own vision are all common reasons people decide to start a business in the first place.

A lack of funds can hold you back from taking the plunge, but now more than ever, a variety of options exist to help fund your vision and turn it into a reality. (more…)

Guide to Alternative Business Funding

Guide to ALternative Funding for Businesses

Finding a business loan used to be a pretty black and white affair. You’d call up your local bank and book an appointment, wait a few weeks (or months) and then sit down with the bank manager, explain why your business needed some money, and hope that you’d caught them after their morning coffee.

Since the birth of Alternative Finance, however, getting your hands on funding to grow your business has become a lot easier, but equally, a whole lot more complicated. This guide will explore the various different types of alternative finance out there, help you decide whether it’s a viable route for you, and how to prepare your business to raise finance. (more…)

How Late Payments Affect Your Credit Score

how missed payments affect your credit rating

There may come a point where you end up missing a repayment for a loan or credit card that you have taken out, perhaps as a result of an unexpected financial emergency, or maybe just simply not having kept a track of your finances that month.

One of your first thoughts will be how quickly you can rectify the situation and pay the lender back, but have you also considered that this late payment could affect your credit score negatively? All The Lenders takes a look at how this works, as well as what you can do to also minimise the impact. (more…)

Equity v Rewards Crowdfunding: Which is Best for Me?

Equity and Rewards crowdfunding compared

Put simply, Rewards Crowdfunding is the practice of giving lower cost or exclusive items as rewards to early adopters in return for their backing, while Equity Crowdfunding involves selling shares in your business.

To help you understand more about the pros and cons of Rewards and Equity Crowdfunding, and the key points for success, we asked crowdfunding expert, John Auckland of TribeFirst to explain more. (more…)

Credit Score Myths Debunked

credit score myths

There are a number of different myths surrounding credit scores, making it difficult to truly understand what it is you need to know and what you should be doing in order to boost yours.

In this guide we cover the most commonly spoken about myths, and debunk them one by one. (more…)

Why Crowdfunding Heralds a New Power, & What this Means for Small Businesses

crowdfunding - more power to businesses

Look around at the world’s many unpredictable events and it could not be clearer that our political, and social, tectonics plates are shifting.

Fueled by the digital revolution of young technology adoptees who are now reaching adulthood, it is unsurprising that the connected generation is favouring the peer-to-peer model over outdated intermediaries. (more…)

A Start-Up’s Guide to the Seed Enterprise Investment Scheme (SEIS)

Finding investors to support fledgling business

One of the biggest obstacles to growth for start-up businesses is investment. Investors are often reluctant to commit their money to a new business with a promising idea but no track record of success.

Fortunately the Government lent a helping hand in 2012, and introduced the Seed Enterprise Investment Scheme (SEIS) to help smaller, riskier companies attract investors willing to take a punt on a bright idea becoming a successful business. (more…)

Guide to Cash Flow Management

how to solve cash flow problems

Cash flow is the lifeblood of any business, and managing it effectively can mean the difference between make or break.

When we refer to cash flow management, we’re talking about making sure there is enough cash available to cover all your outgoing expenses. If your outgoings are more than your sales and you run out of cash to pay staff or suppliers, your business will risk insolvency. (more…)

How the Enterprise Investment Scheme (EIS) Can Help You Raise Funding for Growth

The Enterprise Investment Scheme (EIS) is designed to help smaller, risky businesses raise funding to fuel growth.

Early-stage businesses can find it difficult to secure investment, so the EIS was set up to encourage more investors to back fledgling businesses by offering generous tax-breaks.

To help you see whether the EIS could help you raise funding for your business, we asked award-winning chartered tax adviser, Jonathan Amponsah CTA FCCA to explain how it works. (more…)

How the new EIS Guidelines impact crowdfunding

Crowdfunding new HMRC EIS Guidelines

When it comes to start-up investment, the UK has some of the best tax relief schemes anywhere in the world.

The Enterprise Investment Scheme (EIS), along with its earlier-stage sibling the Seed Enterprise Investment Scheme (SEIS), offer protection of investments in UK start-ups. If the business fails, investors can claim up to 80% of the investment as tax relief against their income tax bill. (more…)

How to Finance Your Business

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There are several ways to finance a business. These include bank loans, finance from independent lenders, and crowdfunding. Your capability of financing your business depends on convincing somebody else to invest in your idea and you. (more…)

How to Prepare your Business for Crowdfunding

Raising finance for your busienss through crowdfunding

Crowdfunding is often seen as an easy route to raising money, but a major factor often overlooked is that it only works for certain types of businesses.

This article explores what those businesses that suit crowdfunding typically look like, and for companies that don’t fit the mould, suggests some steps you can take to make your venture more attractive to crowdfunding investors. (more…)

5 Key Facts businesses need to know about Open Banking

open banking affects small business

Open Banking is here and is about to transform competition in the banking and funding arenas.

Since 13 January 2018 nine of the largest banks in the UK are governed by the new regulations introduced by the Competition and Markets Authority (CMA).

But what exactly is Open Banking, and how does it affect businesses across the UK? Here are five key facts you need to know about Open Banking: (more…)

A Guide to business credit cards and using them as a short term funding solution

pros and cons of funding your business with credit card

There’s a huge variety of finance solutions available to small businesses these days, and each have their own pros and cons.

What works for one business may not work for another, and you may use a number of different products to finance your cashflow, short-term projects, or long-term growth plans.

Many companies find business credit cards useful for the short-term end of the spectrum, and while you wouldn’t necessarily use one to pay for larger purchases, they can be a good tool for day-to-day spending, expense tracking, and perhaps emergency cashflow needs. (more…)