Mortgage Debentures as bank security – what you need to know

I was intrigued recently when the owner of a sizeable business got in touch because he said he’d read a blog of mine from 2011 and that it was still the most helpful thing he could find on the internet about Mortgage Debentures. Flattering perhaps, but I’ve checked it and there isn’t much out there! Read more about Mortgage Debentures as bank security – what you need to know[…]

SME’s at risk from interest rate rises – where are the fixed rate options?

With a third of the MPC having voted for an interest rate rise yesterday (21st June) the prospects of the cost of funds for SME’s rising this year are increasing. An interesting article in ‘Accountancy Age’ last month drew attention to the serious impact that this could have on the UK’s mainstay businesses, with additional Read more about SME’s at risk from interest rate rises – where are the fixed rate options?[…]

Bank branch closures – Another perspective (risk to the bank)

Much has been made of the damage caused to local communities and SME’s by the banks closing branches. The number in recent weeks has been staggering. However it will be interesting to see the impact on the bank’s risk exposure to small businesses. I was involved in the 1990’s in the role out of ‘Business Read more about Bank branch closures – Another perspective (risk to the bank)[…]