Begbies Traynor Group

Finance

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What is the difference between a fixed and floating charge?

Both fixed and floating charge holders are classed as secured lenders; however, there are some important differences between these two types of charges.

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What is an Independent Business Review?

An Independent Business Review (IBR) is a process initiated by a bank or similar institution if they have concerns over the financial health of a borrower.

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Does my personal credit score matter when applying for credit for my business?

Financial institutions base their lending decisions on the level of risk posed by a borrower.

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Understanding the importance of credit risk monitoring

Credit risk monitoring is a continuous assessment of the risks associated with lending money or extending credit to individuals, businesses, or other entities.

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Options When your Company is Refused Finance

Being refused finance or having a loan called in by your bank is a common process when a lender senses risk. However, other funding options may be available

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What level of debt is healthy for a business?

Used incorrectly debt can be disastrous to a company. However there is a ‘healthy’ level of debt, or ‘gearing’ that allows companies to achieve long-term growth

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