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New Model Adviser profile: Relaxing into her stride
Click here to Read Citywire's interview with Heritage Managing Director, Suzanne Allen.
Top tips for raising asset finance
John Baker of Vector Finance passed by our office recently and opened our eyes to the potential difficulties of dentists raising finance for re-equipping surgeries or buying new equipment etc. This is a very recent phenomenon and reflects the banks’ unwillingness to lend money on an unsecured basis to anybody unless they’ve passed more vetting procedures than Radio 2’s latest broadcasting guidelines.
John gave us some great tips to pass on that could help you gain access to the best deals:
- Ensure your latest accounts are fully signed off – draft accounts are no longer sufficient.
- Keep accurate and up-to-date management accounts.
- Provide the lender with full details of every debt. Forgetting just one tiny loan will raise the bank’s suspicions.Have invoices or order details available to show that the purpose of the borrowing is genuine.
And John’s number one tip:
- Never miss a domestic mortgage payment. Defaulting on your most important loan will give you the highest rating of negativity and dramatically reduce your chances of raising finance.
Our advice is to talk to an expert like John who will work with you, in conjunction with your accountant, to obtain the best, properly structured deal.
www.vectorfinance.co.uk
We’ve offset our business carbon emissions with ClimateCare
ClimateCare is a service that reduces greenhouse gases on behalf of individuals and organisations, to compensate for their impact on the climate. It does this by ‘offsetting’ the greenhouse gases – such as CO2 - emitted from your activities by reducing an equivalent amount of CO2 on your behalf. These reductions are made through a range of projects in sustainable energy technologies that not only fight climate change but can bring widespread benefits to communities around the world. You can offset emissions from flying, driving and household energy use.
HF Advisers Managing Director, Suzanne Allen says. "We are aware of the impact our business has on the environment, especially our driving around the country each week. We recognise there are limits to what we achieve but that doesn't stop us from doing as much as we possibly can. At present we are working on a recycling policy for paper, card, printer consumables, plastics, and tins and in tandem to that project we are offsetting all the CO2 that we emit by paying towards ‘offset’ projects that aim to reduce pollution worldwide."
 For information regarding how you can care for the climate visit www.jpmorganclimatecare.com
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