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Accessing an appropriate amount of
finance is a key requirement for UK businesses as the economic recovery becomes
more firmly established and businesses seek to resume their growth trajectory.
But the environment for debt finance has changed. Here, Clive Lewis, head of
enterprise at the Institute of Chartered Accountants in England and Wales,
advises on how to manage your debt finance facilities.
While access to finance appears to
be improving – and banks say they are ‘open for business' – the costs of bank
finance have risen, both in terms of interest rates charged and also
As a result of Basel II, the accord
on minimum capital requirements, banks are looking more closely at risk and,
consequently, security. Put simply, the more risky the business and the longer
the term of the loan, the more capital the lending bank must hold. From the
banks' perspective, they are not more risk averse. But, as a result of the
recession, there are more businesses that fall into the higher-risk category,
and more that simply aren't viable.
Many businesses have also noticed
that the banks' information requirements have increased, with more client data
required more frequently. Banks claim to have learned from past experience.
Greater transparency leads to an open and honest relationship. The improved
information allows banks to understand the business plan, spot trends earlier
and be better placed to help and respond.
are key …
Banks also stress the importance of
regular dialogue with them, and keeping the relationship manager informed.
Because of the increased level of regular information that banks require, it is
difficult to keep bad news from them for long. But it is important to give a
balanced picture of prospects at all times.
so is your risk profile
Banks use a variety of information
to assess the risk associated with business finance facilities. For smaller
businesses, there are two key inputs into most lending decisions. The first is
behavioural scoring data, which monitors how accounts are run and loans repaid
– with unauthorised overdrafts, missed payments and dramatically falling
turnover scoring badly. The other is credit reference data – which measures
late payment of suppliers, court judgments and late postings of accounts at
The key is to provide your bank with
timely and accurate information to enable it to assess your current position
and see clearly what your likely funding requirements will be. Banks don't like
surprises. If you've fallen short of your projections in the past, make sure
that you provide them with sufficient information to show that you have a grip
on the finances. Make sure you're complying with all your loan covenants.
Figures suggest that more businesses
are switching banks. Who might you turn to if you are considering a switch?
It's always a good idea to talk to your accountant, as they have a good
knowledge of the current market and which banks to approach. They can also help
with your business plan.
Switching is more a consideration if
you have a new need for finance or have been rejected by your current bank –
although you should always discuss rejection at a higher level in your current
bank. Some banks have a confidential hotline that you can use to make an
initial approach for alternative sources of finance.
If you are considering a new source
of finance, it helps to be open to suggestions of alternative types. Businesses
often opt for overdrafts because of their flexibility, but banks now view
overdrafts less favourably. An alternative such as invoice finance may give an
Social media marketing refers to the process of gaining traffic or attention through social media sites. Social media itself is a catch-all term for sites that may provide radically different social actions.
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Digital marketing technology helps you understand and reach your audience most effectively so you can generate the most revenue. For advertising campaigns, ad serving technology makes it possible to serve the right ad at the right time to right person. That means your advertising is being as productive as possible. When technology is working for you, you’ll understand your audience at a whole new level, and it will show up on your bottom-line.
NEED FOR THE STUDY The
pace of change in today’s business environment is faster than ever. New markets,
technologies, and opportunities are arising on a daily basis. Current ways of
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Some general principles need to be clarified to provide a basis for understanding food-marketing systems within a development context. In order to make any effective interventions in a marketing system it is necessary to define the types of marketing channels, their linkages and functions.
The term “market linkages” is often referred to in the literature on rural development. what precisely does it mean? The term linkage obviously implies a physical connection between the producer and the ultimate consumer. Linkages also involve financial transactions - the selling and buying of goods - and can be broadly defined in four different ways: by the form of financial transactions or type of intermediaries who undertake the transactions;by the channels through which transactions occur and the type of facilities used for transactions;by how they are linked together by transport and communications networks;by the spatial distribution of transactions - where they occur and whethe…