Send us Fan Mail When a lender advertises or offers an interest rate, is that really the full cost of borrowing? In this episode of Business Finance Matters, David Grosse and Trevor Pirie explore one of the most misunderstood areas of business finance, the true cost of debt finance. Many business owners focus solely on the headline interest rate, but the actual cost of finance can include lender fees, intermediary fees, arrangement charges, and other costs that are not always obvious at first...
Jul 30
15 min
Send us Fan Mail Join David and Trevor as they examine whether the relationship between lenders and homeownership remains fit for purpose, or whether the industry needs to adapt to support the next generation of UK businesses. For decades, homeownership has often been viewed by lenders as an indicator of financial stability. For many business owners, owning a home has made it easier to access business finance, particularly where a personal guarantee is required. However, the UK has changed o...
Jul 17
14 min
Send us Fan Mail In this episode, David and Trevor discuss a topic that has become a major concern to many members of The Guild of Business Finance Professionals and other industry stakeholders. Both discuss the concern regarding the growing number of business owners that are being exposed to an increasing volume of online advertisements, emails and marketing campaigns promoting business finance debt options. While these messages often present funding as quick, simple, and easily access...
Jun 25
15 min
Send us Fan Mail What does "best practice" really mean in today's business finance landscape, and why is it more important than ever? In this episode, David & Trevor explore the principles that should underpin every business finance journey. From understanding a business owner's objectives and financial position to identifying the most suitable funding solutions...more importantly, they examine the process that should be followed to achieve the best possible outcome for UK business owner...
Jun 11
16 min
Send us Fan Mail In this episode, hosts David and Trevor explore why the lending market is packed with so many different lenders, and why each one operates with its own approach to underwriting and risk. They discuss the growing challenges business owners face when applying directly to lenders, or working with the wrong brokers, and how this can often create more setbacks than solutions. For example, some businesses, such as those owned by non-homeowners, may struggle to access certain...
Mar 31
15 min
Send us Fan Mail Starting a business has never been more challenging. From an initial idea to an ambitious start up, the country continues to try and promote a nation that is wanting more entrepreneurs and small business owners. But turning an idea into a sustainable business often comes down to one critical factor, funding. In this episode, David & Trevor explore how new and growing businesses can find the right type of finance without overpaying or choosing the wrong option. Raising ca...
Mar 24
15 min
Send us Fan Mail In this episode, David and Trevor take a closer look at how the relationship between banks and small businesses has changed over time, and whether things might finally be shifting again. They reflect on the fallout from the 2008 financial crisis and how it marked the end of the traditional bank manager relationship, once seen as a trusted partner in a business’s growth and development. What used to be a personal, supportive connection has, for the majority of business owners...
Mar 17
14 min
Send us Fan Mail Short-term business funding is becoming more common, and more visible across the market. In this episode, David and Trevor look at the rise of non-bank lenders offering 12 to 24 month business loans, and why so many businesses are turning to them. These products are typically fintech-driven, quick to apply for, and funds can often land in a business account within days. For companies dealing with immediate pressures, such as unpaid invoices, VAT bills, or a short-term cashfl...
Mar 10
14 min
Send us Fan Mail Cash really is king and in this festive episode, David and Trevor discuss why cashflow is the true lifeline of any successful business. They explore how business owners can better understand, monitor and manage their cash position to stay ahead of the inevitable peaks and troughs that come along from many business owners . In particular, a significant proportion of cash can be tied up in unpaid or late invoices, making forward planning absolutely essential. The conversation h...
Mar 3
14 min
Send us Fan Mail Once a business finds its footing and gains confidence in where it’s heading, the real challenge begins: funding growth the right way. Growth takes more than ambition…it takes careful budgeting, smart cashflow planning, and making sure the right capital is in place so growth doesn’t become painful or restrictive. In this episode, David and Trevor explore how business owners can make confident, well-informed decisions that support steady, controlled, and ultimately succe...
Feb 24
14 min
Load more