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08

Aug

Come and meet Cubefunder at SMELive

posted by: Jason Hulott

SME Live is the biggest Business, Marketing and Technology event in the Midlands and the best business growth event in the UK. Taking place at the NEC on the 16th & 17th October, the 2-day exhibition and conference will welcome over 5,000 established, ambitious and growing small business owners and operators to meet with 200 international, national and regional specialist exhibitors. Come and meet us, we ...

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30

Jul

Benefits of a 6-month business loan

posted by: Jason Hulott

There are some very good reasons why you may wish to consider a 6-month business loan as opposed to one which runs over a longer term of say 12 to 18 months etc. Here we will look at some of the fundamental issues associated with your decision as to which term to select. Shorter-term equals a faster repayment This may appear to be a case of ...

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business-lending

25

Jul

Advantages of 12-month business loans

posted by: Jason Hulott

Debt management is one of the most critically essential skills for business leaders to master to ensure the success of their enterprise. As a science, debt management is not something that can be covered in any depth here! However, it is possible to make some general statements relating to debt and 12-month business loans. Why debt is necessary It’s important not to drift ...

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merchant-alternative-transaction

22

Jul

Short-term business loans

posted by: Jason Hulott

In what follows, we’ll be taking a quick look at short-term business loans and how they operate. The basics The “term” of a loan is simply the period over which the funds will be advanced and repaid. Typically the term starts at the time the funds are advanced, and it concludes when the final repayment is made in line with the agreed ...

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11

Jul

Guide to business loans

posted by: Jason Hulott

Business loans are sometimes essential when you are trying to advance and grow your enterprise. Even huge multinationals sometimes need to “go to the market” to secure funding for one purpose or another. A single blog of this nature cannot give an in-depth guide to every issue connected with business loans. It can, though, pick out a few essential generalities that are worth ...

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05

Jul

What are online business loans?

posted by: Jason Hulott

Finance is the lifeblood of business. That’s an often-expressed sentiment but what does it actually mean and how does it relate to online business loans? The mythology of business loans Once upon a time, a business going to the market for a loan was often considered to be an indication that it was entering stormy waters. Of course, that can be the case ...

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small-businesses-finance

28

Jun

Getting an online loan

posted by: Jason Hulott

It is a fast-moving world, you are up to your eyes with a business to run, and you need to raise an unsecured, fixed-rate business loan. Which would you prefer? an appointment with your local bank manager in a few days time, for which you need to prepare detailed financial statements of your company's prospects, followed by the wait while your application is considered? ...

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25

Jun

Why short term loans from Cubefunder?

posted by: Jason Hulott

If you have ever approached your bank for an unsecured business loan, you might well have been asked to provide a detailed business plan, the business case for the use of the funds, and extensive cashflow projections in support of your application. By way of compensation, you might be offered what appears to be the luxury of several years in which to repay any ...

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amazon-sellers

22

Jun

Business banks – the challengers

posted by: Jason Hulott

Ten years have passed since the financial crisis of 2008 and in that time traditional patterns of British banking have undergone a sea change. Although the changes have been seen across the whole banking community, the latest challengers to established institutions are poised to revolutionise business banking. Since newcomers are appearing on the scene all the time, the picture is subject to still further change, ...

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new-business

18

Jun

How do small business loans work?

posted by: Jason Hulott

Small is a relative concept, of course, and may depend on the size of your company and the reasons for your looking to borrow funds. But let’s consider some of the principles of small business loans and see how they work. Long-term business loans There may be times when your company needs to borrow a substantial amount of money – if the takeover ...

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loans-credit-checks

14

Jun

Unsecured business loans vs. secured business loans

posted by: Jason Hulott

Unsecured business loans allow you to raise funding for your enterprise without the risks associated with secured loans. Therefore, it might be helpful to review the essential differences between these two sorts of borrowing. Secured business loans A secured loan is just that – one that is tied to and backed up by your pledge of a significant asset or assets as security to ...

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google-shopping

09

Jun

Online business loans FAQs

posted by: Jason Hulott

Why apply for my business loan online? Speed and simplicity – the two words that probably best sum up the advantage of applying for your business loan online. The online process begins with your entering the amount you want to borrow, the repayment period and a few details about your company. The power of the internet allows a decision in principle to be given ...

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alternative-merchant

30

May

Disadvantages of merchant account loans

posted by: Jason Hulott

In the past decade or so, the high street bank which once provided the most obvious source for a business cash advance has generally become more reluctant to provide those funds – especially since the financial crash of 2008. In its place, a number of alternative sources of funding have been developed, including what are known as merchant account loans. Merchant account loans Merchant account ...

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business-lending

25

May

Getting a business loan

posted by: Jason Hulott

Getting a business loan was traditionally a simple question of approaching your local bank manager for the necessary funds. The financial crisis of 2008 not only exposed some of the flaws in the banking system but also made banks considerably more wary of lending to small and medium-sized businesses (SMEs). That wariness continues some ten years later. A story in the Financial Times on the 30...

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new-business

22

May

Alternatives to business cash advances

posted by: Jason Hulott

Traditionally, it has often been quite difficult for small businesses to raise finance for their business. Indeed, a paper written by the Centre for Responsible Banking and Finance and published by the Financial Conduct Authority, suggests that the difficulty has presented an “intractable” problem for small businesses for almost a century. Conventionally, banks have shouldered the principal responsibility as a source of external ...

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loans-credit-checks

11

May

Unsecured business loans

posted by: Jason Hulott

Your business may need to borrow money for any number of reasons. The type of business loan you choose is likely to reflect your underlying need for access to such external funding, and this falls into one of two broad categories: Secured loans where your need is for a substantial investment – for the purchase of new company headquarters, a complete refit of plant ...

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05

May

Online business loans FAQs

posted by: Jason Hulott

What are online business loans? If you are the owner of a small or medium-sized enterprise (SME), and you need an injection of funds quickly, online business loans typically can provide a simple, streamlined and speedy solution. Here at Cubefunder, we aim not only to get the funds to you as quickly as possible, but to tailor the borrowing to meet your specific business ...

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28

Apr

Getting an online business loan for your business

posted by: Jason Hulott

Have you spotted a business opportunity just around the corner? Are the prospects too good to miss? Rising to the challenge may mean unexpected and previously unplanned expenditure on expanding your business, buying in new stock and supplies, purchasing additional equipment or machinery, launching a marketing campaign to capture the new business, or simply boosting your existing working capital. The answer to all these ...

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business-loans-for-taxes

21

Apr

How to get working capital

posted by: Jason Hulott

From the early years of running your business, you probably soon realised the importance of working capital. In case you are in any doubt, consultants Graydon have published a brief guide to the central role played by working capital in any business – its management needs to be a number one priority. The role of working capital Working capital plays such a central role ...

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friendly-business-loans

17

Apr

Funding business expansion

posted by: Jason Hulott

In this fast-changing world, few things if any, stand still. And that is true of your business. Since it changes along with the rapidly evolving environment in which you are operating, your goal is almost certain to expand the business – rather than see it contract. Although your retained profits may be one source of funding for the growth you require, specialist expansion finance ...

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10

Apr

Types of Business Loans

posted by: Jason Hulott

At least a half of all small to medium sized enterprises (SMEs), says the British Business Bank, seek some form of external funding. As the Institute of Chartered Accountants in England and Wales (ICAEW) explains in its Business Finance Guide, that external funding may take the form of equity finance or debt finance. The term debt finance takes its name from the fact that ...

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merchant-alternative-transaction

05

Apr

Why Cubefunder for business finance?

posted by: Jason Hulott

How do I find a simple and straightforward way of raising business finance? There are various ways in which businesses raise the finance necessary for a whole range of objectives and activities – including an expansion of the enterprise, marketing campaigns, investment in new plant and machinery, the acquisition of new premises, access to additional working capital, or the management of temporary shortfalls in ...

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30

Mar

Online finance for tradesmen

posted by: Jason Hulott

If you are a tradesman with a limited company, the success and financial viability of your business is the very key to your livelihood – you depend on your business. Here at Cubefunder, we recognise that core value you have as an independent tradesman – and it is the principle that informs many of our decisions on your creditworthiness as a borrower. After all, ...

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business-tax-loans

21

Mar

Brief guide to business loans

posted by: Jason Hulott

According to a briefing paper presented to Parliament on the 28th of December 2017, there are 5.7 million businesses in the UK, 99% of which are small and medium-sized businesses (SMEs). Any time one of those businesses wants to seize new market opportunities, expand the enterprise, refit or restock, fix a temporary cashflow problem, or fund essential new orders, it may turn to a business loan. How ...

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business-lending

17

Mar

Business finance for eBay sellers

posted by: Jason Hulott

How big is the market for your business? It’s a fundamental question likely to determine the financial viability of your business, your potential for attracting new customers and the prospects for future growth. By the end of 2017, the online retailing phenomenon eBay claimed a record 170 million plus customers worldwide, according to the website Statista. That represents quite some market. In short, eBay may ...

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online-business-loans

13

Mar

Looking to expand your Amazon business

posted by: Jason Hulott

In the eight months since its launch in April of 2017, Amazon Business claimed a sizeable 90,000 business users before the end of that year, in a move designed to capture a large slice of the estimated £100 billion British market in e-commerce, according to a report published by Business Insider on the 21st of November. Amazon’s “one-stop shop” Amazon’s clear aim has ...

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06

Mar

Overview of online business loans

posted by: Jason Hulott

Any small to medium size business in the UK is likely to find itself in a highly competitive environment. To stay abreast of that competition and to be able to seize every business opportunity that presents itself, you are likely to need access to additional funding – and access to it fast, preferably online and with the money in your bank within a short ...

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business-insurance

20

Feb

Types of Business Insurance

posted by: Administrator

If you are running a business, you will need to take measures to make sure you and your assets are protected. From the moment you start a business, you are opening yourself up to certain risks. Therefore, one of the first steps a business owner and entrepreneur should take is to make sure they have all the correct measures in place in terms of ...

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using-business-loan

05

Jan

Using Your Business Loan

posted by: Ciprian Hirlea

So you’ve got yourself a business loan, but how do you put it to use? The purpose of your loan, ultimately, is to enable your business to grow and succeed and for revenue to be generated. It is vital, then, that you implement you loan in the right places to maximise growth and success. But how do you do this? When planning how ...

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start-business

18

Dec

How to Start a Business

posted by: Ciprian Hirlea

Starting-up your own business need not be as difficult as you might imagine. However, it is important to know what kind of businesses there are before you jump into making plans for your first company. Furthermore, it can make all the difference knowing which kind of business arrangements are available to be utilised as well as the merits of each. Moreover, before thinking about ...

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08

Sep

Secured Vs Unsecured Business Lending

posted by: Ciprian Hirlea

There are a wide range of business lending options, all of which are able to help businesses progress, grow and expand by providing them the funding needed. Loans for businesses are separated into two distinct categories; secured and unsecured. Secured loans are secured against an asset or various high value assets acting as security on the loan in question. This means that should the ...

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business-funding

08

Sep

The Changing Face of Business Finance

posted by: Ciprian Hirlea

Most small business only need a small amount of cash, often up to around £20,000 to help them fund stock or bridge the gap while they are waiting for invoices to be paid. By the very nature of a short-term cash requirement, the need for the funds for the business needs to be fulfilled quickly. Sometimes this is achieved by the business applying for ...

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business-finding

25

Aug

Options for Business Funding

posted by: Ciprian Hirlea

Many businesses will go to their bank as a first port of call to obtain a business loan. The problem today is that the mainstream high street banks are slow to respond, have complicated and unfathomable rules, and tend to require excessive paperwork, cashflow reports and forecasts and business plans that many small businesses simply do not have the time to put together in ...

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merchant-loan-bowworing

25

Aug

How Businesses Can Use Loans

posted by: Ciprian Hirlea

Businesses often need cash in the form of loans or overdraft facilities to meet the cost-base of the business while it is growing, or to fund the working capital relating to a specific growth project. Both short term and long term loans are able to help with this in different ways and for different circumstances. In order for a business to grow from its ...

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merchant-loan

25

Aug

What is a Merchant Loan?

posted by: Ciprian Hirlea

A Merchant Loan, commonly referred to as a Merchant Cash Advance, is a loan that takes its repayments by deducting them from a business’ card, or merchant revenue. This is done through the credit and debit card payment terminals of the business. These loans are used as one of the forms of business loans available on the UK market to businesses looking for that ...

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