The Banking Crisis

Yesterdays collapse of the share price of Royal Bank Of Scotland can only delay any recovery in interbank lending which is at the heart of the "credit crunch". It could now be argued that RBS has "cleared the decks" and declared all it's loan problems, but what about the other banks? If suspicions remain then no credit easing will take place further delaying any recovery in the commercial loan and personal finance sector!

Business Leasing - A 100% Commercial Loan

When searching for Commercial Loans to raise capital for your business the closest you can get to a 100% finance option is Business Leasing! Typically one monthly rental payment suffices as a full deposit to purchase that new asset such as equipment, plant or machinery. The cost of installation, maintenance and warranty could be added to the loan too!

If your company needs new equipment then business leasing could be beneficial. Some of the circumstances where leasing could be the logical choice are:-

• You don't have the cash to buy your new equipment but need that asset today.


• You do have the cash, but reducing your working capital may compromise your business.


• You don't need new plant or machinery but you do have exisiting assets that have a good residual value against which a sale and business leaseback finance facility could be utilised.


• Because you can fully offset monthly payments against tax, it makes commercial sense to lease for your business.


• Your business assets have a short useful life span and need to be replaced regularly.

For more information we recommend further reading at our specialist Leasing Finance pages.

Payroll Finance for an Unsecured Business Loan

UK Businesses seeking to enhance cash flow or increase working capital usually turn to traditional methods of financing such as invoice discounting or factoring. Payroll Finance is a smart, modern, unsecured lending solution that can make available cash equivalent to 2 months of a company's wages or salaries bill!

As a company payroll loan is totally unsecured it will not affect any other financial arrangements a business may have. What's more the company will still be in a position to take advantage of any other commercial loan that may be required. Costs involve a monthly service fee plus interest on any outstanding amount.

A company with a trading history and accounts could raise cash by rolling over wage bills for any business purpose in as little as 2 weeks! For more information on payroll finance and the cash flow alternatives visit Cash Flow Finance and discover your business options.