Business Finance


Many businesses in the UK are under capitalised, and focus as much on managing their finances as they do on looking after their customers. With an injection of extra capital at the right time and the right rate, many of these businesses could be transformed.

As we’ve outlined in our related services page, there are many reasons why businesses may need or want to raise finance, and an increasing number of ways to do so.

Business Finance is an area that can be intimidating for many business owners, particularly if they are less confident around their business numbers. The thought of taking on borrowing, justifying to a bank or finance provider how they will afford to repay the loan, explain how they feel they are capable of developing their businesses as well as a wide range of other fears all bounce around their minds, and stop them taking action.

We can help sort the valid reservations from those that pop up at three o’clock in the mornings and find workable solutions.

In this section of our Info Centre, we’ll include posts that outline the primary options around alternative finance, as well as the more traditional routes. There are also a number of posts around the various financial support schemes available as a result of the pandemic and the wider subject of general finance for businesses. We’ll continue to add more over time.

As mentioned above, the right financial structure and approach can make a significant difference to both the business and the mind-set of the owners. After many years helping and supporting business owners through financial pressures, expansions, acquisitions and other financial changes, we’re happy and able to discuss a range of options and help refine the decision as to the most suitable route to choose. Please get in touch if you’d like to know more about any post in particular or have any specific questions.

Image for Blog Post 'Case Study - Alternative Finance'

Alternative Finance – A case study and more

Back in the mists of time, a business owner could go to his Bank Manager and ask for a loan. If he could confirm that he would be able to repay that loan, the money was his. Fast forward to now, and life isn’t like that any more! The banks ARE still lending, but they are far more considered than they used to be. This is where Alternative Finance comes into its own, particularly for non-tangible purposes.

Recovery Loan Scheme – the detail!

The Recovery Loan Scheme (RLS) was announced by Rishi Sunak as part of the Budget in Spring 2021. Set to run until December 2021, this replaces Coronavirus Business Interruption Loans (CBILS) and Bounce Back Loans (BBLS) which both ended on the 31st March 2021. The scheme was extended to end on the 30th June 2022 as part of the Autumn Budget 2021.

Don’t become a statistic.

Recent research, as well as common sense, shows that business insolvencies are set to increase dramatically in the next few months. Yet many businesses are still trading on the same basis now as before the pandemic. In many cases they’re unconsciously supporting customers at the risk of their own financial future.

Related News Items

Can I just say we are so pleased that we have moved to Baranov Associates. As we discussed when you visited, we had to find a way to take the stress out of all of the financials and you’re doing that for us! We can see how to use Xero more efficiently and so with us being as on top of it as we can be and with you and Liz we feel a lot more confident about our business being in good shape.


Mrs S James, Sandbanks Capital Partners Limited

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