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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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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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