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Business Loans for Small Business Owners + Invoice Financing, Commercial Mortgages & Buy to Let Mortgages


Small Business Owners Relish Their Freedom

Our recent business poll clearly illustrated that despite the pressures you face as business owners, almost 70% of you would never consider working for someone else, or would only do so if you were compelled to.

The number of people following the dream of being their own boss also continues to rise with a recent survey from Barclays reporting that 108,000 new businesses were formed between April and June this year, up 12% on the same period in 2002.

Business Loans

Finance for your business

Cash flow can be a major worry for any business owner. Factoring, effectively a loan secured on your invoices, is a finance option which you may not have considered but which can be the ideal solution for either a short term cash flow problem or raising finance to expand your business.

Whatever the age of your company, factoring affords many benefits:

  • No requirements on how long you have been in business - you simply need to be invoicing
  • No waiting for payment; benefit from sales directly (increased working capital)
  • Advances not repayable on demand (contrary to bank overdrafts)
  • Available finance grows in line with your sales performance

If you are interested in how factoring could help your business, visit the Business Finance Marketplace for further information.

Factoring | Invoice Discounting

Buying property for your business

If you have been renting your business premises but would prefer to buy property outright you may find a commercial mortgage is the most flexible and affordable finance solution for the purchase.

Some of the advantages buying may offer your business over renting are:

  • Fixing your overhead costs. When you finance your purchase with a mortgage you are able to structure a repayment schedule that sets your fixed expense each month.
  • Potential asset appreciation.
  • Potential to sublet. If you purchase more space than your company currently needs, you could sublet a portion until you need the space.
  • Mortgage payments may be cheaper then rent. When you set your repayment schedule you know what your payments will be in advance. When you rent your property, you are exposed to market conditions that may increase your rent to above what your mortgage payments would have been.

You can use the Marketplace to compare your rental payments with potential mortgage payments and assess if a commercial mortgage is a viable option for you and your business.

Commercial Mortgages | Buy-to-Let Mortgages

Business Finance Newsletters

Q2 Factoring Update - 09.06.2004
FSB states 25% of businesses fail but what can be done?

Brighter Outlook for Small Business in 2004 - 17.12.2003
Small Business Outlook Brightens

Government Initiative to Save SME's over a Billion on Energy Costs - 25.11.2003
ME's Waste over a Billion on Energy Costs

Protect Your Business Against Rising Rates - 12.11.2003
Ways to Protect Your Business Against Rising Rates

Interest Rates Rise by 0.25%: What it means to you. - 06.11.2003
Impact on Your Mortgages

Q4 Factoring Update: Brumark Bites - 04.11.2003
How Brumark will affect you and an invoice finance glossary

SME Economic Confidence up 22% - 28.10.2003
SME business confidence report and buying vs. leasing property guide.

Rising Crime Affects a Quarter of UK Businesses - 15.10.2003
Covers crime and how it effects UK business. Also includes finding the right finance for your business.

Invoice Finance - Easing Cash Flow Concerns - 01.10.2003
Report from The Factors and Discounters Association plus info on invoice disounting and lease financing.

Quarter 3 Insurance Update - 25.09.2003
Insurance update.

Small Business Owners Relish Their Freedom - 18.09.2003
Poll shows majority of small business owners would not work for someone else.

Q3 Mortgage Update - 11.09.2003
Trends in buy to let mortgages and commercial mortgages

Tailored solutions for your commercial vehicle needs - 04.09.2003
Report on commercial vehicle purchasing, financing and insuring.

Sources of Red Tape Plaguing UK Small Businesses - 26.08.2003
Poll shows red tape plaguing UK small businesses, plus tradesman insurance and equipment leasing.

Quarter 3 Factoring & Invoice Finance Update - 20.08.2003
New invoice factoring and invoice discounting partners, and switching from one Ffctor to another

Understanding Business Overdrafts - 06.08.2003
Business overdrafts and the alternatives.

Our Quarterly Mortgages Update - 28.05.2003
Trends in buy to let mortgages and commercial mortgages

Business Finance Online Info Centre

If you need more information on a particular product or service before investing/purchasing, try consulting our useful business finance reference section.

NB: The information on this business-finance-online.co.uk is for informational purposes only and should not be treated as business, financial, or any other form of advice.

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Business Finance Online. © 2003 The Matren Ltd, PO Box 3353, Wokingham, Berks, RG41 3WB, England, UK