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news opinion
There have never been so many options available for people wanting to access money
Individuals and businesses needing funds can, if they search hard enough, find all kinds of bank and non-bank alternatives that are worth considering.
Once there was the bank of mum and dad, or a trip to the bank manager as the only two options available when looking for finance to build a new business or fund expansion.
Now alternatives, whether crowdfunders or peer-to-peer lenders, asset-based lenders or government-supported Local Enterprise Partnerships, are there to help.
Not that the banks have shut up shop. They all state they are “open for business“ and won’t turn away a good prospect, but
in truth they are much more cautious than in the past, and will require either more collateral from the customer or a more robust business plan than was previously the case. Often they want both.
However, the good news is there are more banks to choose from. Relative newcomers like Santander and Metro Bank have made the competition in the marketplace more healthy. So-called “challenger banks“ are adding to the mix, and there are always the less mainstream Handelsbanken and Clydesdale options to consider.
So, while growing businesses might moan about a lack of talent in the employment market, or rising energy costs, we are finding fewer and fewer are citing lack of available finance as a brake on their growth plans.
If you know
differently, we would like to hear from you.
David Murray Publisher
Inaugeral event held
Property experts descended on Ascot Racecourse this month – not for the races, but to attend the first ever Thames Valley Property Awards.
The event, presented by radio and television celebrity Jeremy Vine, is organised by The Business Magazine and UK Property Forums.
Ten trophies were being presented to the leading names in commercial and residential property in the region as the 300-strong audience celebrated their successes over the past 12 months.
One winner was announced in advance: Gareth Osborn of SEGRO was the recipient of the Outstanding Contribution award.
Awards' host, Jeremy Vine
For a full report of the event, see the June issue of The Business Magazine.
For first news of the winners, visit:
www.thamesvalleypropertyawards.co.uk
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www.rowan-dartington.co.uk
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2014 DFM (BESPOKE)
www.businessmag.co.uk
THE BUSINESS MAGAZINE – THAMES VALLEY – MAY 2014
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