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Business Confidence, Business Loans, Cash Flow & Commercial Mortgages

28th October 2003

SME Business Confidence

Over 85% of UK SME's are optimistic about how their business will fare over the next twelve months. According to the Bank of Scotland's small business economic confidence survey*, 54% of SME's believe their business will be better off in the next 12 months and a further 32% believe it will stay the same. The new figures represent an impressive net growth in business optimism of 22% over the last 12 months.

The report also highlights further positive indicators of growing business confidence with 43% of SME's planning to increase investment in their business over the next 12 months, and 35% planning to increase staff numbers.

To find the right finance option for expansion plans for your business try our interactive Business Loans Finder.

Business Loans Finder | Cash Flow Solutions

* Bank of Scotland Business Banking Small Business Confidence Economic Survey

Buying vs. Leasing Property

When planning your business expansion you may be seeking new premises or considering the advantages or purchasing your current leased premises. Whether your company would benefit more from buying or leasing depends on a range of factors.

Using our expertise Decision Finance have compiled a simple guide to highlight some of the situations where buying or leasing would be most advantageous for your business.

When to buy   When to lease
Your company has at least one year of accounts and can now secure a mortgage   You are a start-up business and cannot secure a mortgage
You want to consolidate on your initial business growth and can now take advantage of the benefits of buying property   You have previously been refused a mortgage and are building credibility through effective management of your business accounts
Your rent has increased unacceptably making a mortgage more commercially viable   Your business accounts are considered poor e.g. they are missing data
You have established a strong commercial credit record through managing your business accounts effectively   You want to concentrate solely on running the business rather than dealing with managing and maintaining premises
The property would have benefits as a pension investment/retirement scheme   You are gaining experience in your field or a new field e.g. pubs/restaurants
Historically low interest rates make mortgage borrowing attractive   Your business premises require a high level of maintenance
You may be able to combine your business and residential property needs.   You are unsure how much space/property you will need yet (growing business)
Commercial Mortgages   Lease Financing

If buying your existing or new premises is the right option for your business, visit the Marketplace for quotes on commercial mortgages to get your business expansion plans moving.

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