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	<title>Cornmill Associates</title>
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	<link>http://www.cornmillassociates.co.uk</link>
	<description>Business Advice</description>
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		<title>&#8216;Insuring against Rate Rises&#8217; &#8211; The Mail on Sunday runs only half the story</title>
		<link>http://www.cornmillassociates.co.uk/insuring-against-rate-rises-the-mail-on-sunday-runs-only-half-the-story/</link>
		<comments>http://www.cornmillassociates.co.uk/insuring-against-rate-rises-the-mail-on-sunday-runs-only-half-the-story/#comments</comments>
		<pubDate>Fri, 17 Feb 2012 18:59:12 +0000</pubDate>
		<dc:creator>Steve Leverton</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.cornmillassociates.co.uk/?p=365</guid>
		<description><![CDATA[Good to see some coverage recently on the issue of businesses taking out interest rate protection policies. It didn&#8217;t quite cover all the issues however and as you may expect it painted the banks in a bit of a poor light. The issue about these interest rate contracts (aka SWAPS) is that businesses should not [...]]]></description>
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		<title>Credit Easing &#8211; how to get it direct to SME&#8217;s</title>
		<link>http://www.cornmillassociates.co.uk/credit-easing-how-to-get-it-direct-to-smes/</link>
		<comments>http://www.cornmillassociates.co.uk/credit-easing-how-to-get-it-direct-to-smes/#comments</comments>
		<pubDate>Sat, 11 Feb 2012 09:19:14 +0000</pubDate>
		<dc:creator>Steve Leverton</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.cornmillassociates.co.uk/?p=373</guid>
		<description><![CDATA[George Osborne &#38; the Bank of England have a dilemma in that whenever they release funds into the system (intending that it will eventually benefit SME&#8217;s, as the engine of the economy) there is a gravitational type pull that sees it eventually in the hands of corporates or banks, strengthening their reserves. Here&#8217;s the idea: [...]]]></description>
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		<title>Good to deliver another &#8216;Understanding your Bank Manager&#8217; session (to Milton Keynes Chamber)</title>
		<link>http://www.cornmillassociates.co.uk/good-to-deliver-another-understanding-your-bank-manager-session-to-milton-keynes-chamber/</link>
		<comments>http://www.cornmillassociates.co.uk/good-to-deliver-another-understanding-your-bank-manager-session-to-milton-keynes-chamber/#comments</comments>
		<pubDate>Sat, 11 Feb 2012 08:26:17 +0000</pubDate>
		<dc:creator>Steve Leverton</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.cornmillassociates.co.uk/?p=368</guid>
		<description><![CDATA[A &#8216;sell-out&#8217; event at Milton Keynes Chamber for the &#8216;Business Owners are from Mars and Bankers are from ?&#8217; presentation. Many of the banks will train their managers to understand and deal more effectively with business customers. They have the resources to do that and it helps manage risk. There are not to my knowledge [...]]]></description>
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		<title>Steven Hester &#8211; is it the bonus or the measures?</title>
		<link>http://www.cornmillassociates.co.uk/steven-hester-is-it-the-bonus-or-the-measures/</link>
		<comments>http://www.cornmillassociates.co.uk/steven-hester-is-it-the-bonus-or-the-measures/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 14:27:07 +0000</pubDate>
		<dc:creator>Steve Leverton</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.cornmillassociates.co.uk/?p=355</guid>
		<description><![CDATA[Incentive schemes are a minefield &#8211; how do you get them right? In general people will do what they are paid to do &#8211; and the same applies with any bonus structure &#8211; the most critical thing is &#8216;the measures&#8217; I was lucky enough to do some work with an expert on incentive schemes a [...]]]></description>
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		<title>Metro Bank &#8216;raising their bar&#8217; on commercial banking</title>
		<link>http://www.cornmillassociates.co.uk/metro-bank-raising-their-bar-on-commercial-banking/</link>
		<comments>http://www.cornmillassociates.co.uk/metro-bank-raising-their-bar-on-commercial-banking/#comments</comments>
		<pubDate>Thu, 12 Jan 2012 21:31:20 +0000</pubDate>
		<dc:creator>Steve Leverton</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.cornmillassociates.co.uk/?p=348</guid>
		<description><![CDATA[A good meeting this week with some top people from Metro &#8211; triggered by the appointment of the energetic Chris Brindley to run the quickly growing branch network. Metro have positioned themselves as innovative for customer service and responsive in the personal banking sector. They have however been head-hunting some quality business and commercial bankers [...]]]></description>
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		<title>&#8216;Cornmill&#8217; strengthens its&#8217; capabilities on Interest Rate &#8216;SWAPS&#8217;</title>
		<link>http://www.cornmillassociates.co.uk/cornmill-strengthens-its-capabilities-on-interest-rate-swaps/</link>
		<comments>http://www.cornmillassociates.co.uk/cornmill-strengthens-its-capabilities-on-interest-rate-swaps/#comments</comments>
		<pubDate>Tue, 10 Jan 2012 17:57:36 +0000</pubDate>
		<dc:creator>Steve Leverton</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.cornmillassociates.co.uk/?p=345</guid>
		<description><![CDATA[Interest Rate Management contracts (commonly referred to as &#8216;swaps&#8217;) continue to feature in discussions between commercial borrowers and their bankers. There are benefits to both parties if the product match is right and there is a full understanding/commitment on the part of the borrower. These contracts can however be complex and the negotiations can sometimes [...]]]></description>
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		<title>Getting funding for a project may be simple &#8211; but may not be easy&#8230;</title>
		<link>http://www.cornmillassociates.co.uk/getting-funding-for-a-project-may-be-simple-but-may-not-be-easy/</link>
		<comments>http://www.cornmillassociates.co.uk/getting-funding-for-a-project-may-be-simple-but-may-not-be-easy/#comments</comments>
		<pubDate>Sat, 07 Jan 2012 08:22:00 +0000</pubDate>
		<dc:creator>Steve Leverton</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.cornmillassociates.co.uk/?p=333</guid>
		<description><![CDATA[A world class javelin thrower was once asked by a commentator why she was the best. She said it was simple: she had the best run up, strength in her arms, had perfected the technique in the throw and followed through. He asked her if it was that easy. She responded angrily to say that she [...]]]></description>
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		<title>Sad news about Brian Warnes &#8211; the master of dynamic financial analysis</title>
		<link>http://www.cornmillassociates.co.uk/sad-news-about-brian-warnes-the-master-of-dynamic-financial-analysis/</link>
		<comments>http://www.cornmillassociates.co.uk/sad-news-about-brian-warnes-the-master-of-dynamic-financial-analysis/#comments</comments>
		<pubDate>Mon, 02 Jan 2012 09:18:45 +0000</pubDate>
		<dc:creator>Steve Leverton</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.cornmillassociates.co.uk/?p=329</guid>
		<description><![CDATA[Just heard from Brian Warnes&#8217;s daughter that he has passed away. Why is he notable in blog terms? Brian was a venture capitalist, and engineer and a qualified accountant &#8211; an interesting combination. He promoted a way of looking at a business&#8217;s financial information to really understand what is going on &#8211; without the usual [...]]]></description>
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		<title>Property Loan refinancing &#8211; the big challenge</title>
		<link>http://www.cornmillassociates.co.uk/property-loan-refinancing-the-big-challenge/</link>
		<comments>http://www.cornmillassociates.co.uk/property-loan-refinancing-the-big-challenge/#comments</comments>
		<pubDate>Fri, 16 Dec 2011 09:46:57 +0000</pubDate>
		<dc:creator>Steve Leverton</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.cornmillassociates.co.uk/?p=320</guid>
		<description><![CDATA[A report out this week throws more light on the painful state of the UK commercial property loan book. Bearing in mind that the total loans involved amount to £200 billion, this is where the bank&#8217;s balance sheets are being &#8216;clogged up&#8217;. Commercial property lenders are currently comfortable agreeing loans which are about 65% of the property [...]]]></description>
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		<title>What is a British Linen Finance Lease?</title>
		<link>http://www.cornmillassociates.co.uk/what-is-a-british-linen-finance-lease/</link>
		<comments>http://www.cornmillassociates.co.uk/what-is-a-british-linen-finance-lease/#comments</comments>
		<pubDate>Wed, 07 Dec 2011 17:24:47 +0000</pubDate>
		<dc:creator>Steve Leverton</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.cornmillassociates.co.uk/?p=307</guid>
		<description><![CDATA[British Linen was/is the name of a very old established bank. Through mergers and acquisitions it became the &#8216;Merchant Bank&#8217; of The Bank of Scotland, then became part of HBoS so was then swallowed up by the Lloyds Banking Group &#8211; who therefore currently own it and are responsible for it. British Linen (BL) did a lot [...]]]></description>
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