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Al Shea Articles

Written by: Al Shea

The Best Finance Comparison Sites And Reasons Why - Click To Read Article
There are now so many finance comparison sites on the internet, how do you know which one to use, which comparison sites give the best deals, and who is truly impartial. This article explores finance comparison sites.

How Twitter can have a postive effect on your business - Click To Read Article
You may have heard of the latest trend sweeping the internet called Twitter - a short messaging service that allows you to say what you want in 140 or so characters, but how can this be used successfully with businesses? This article explores Twitter and businesses

Should You Get a Business Loan or a Credit Card? - Click To Read Article
With so many credit card offers available to businesses, which is best - a business loan or a credit card? This article explores the benefits behind both options.

International Asset Finance - The Options Available To Your Business - Click To Read Article
As the world becomes a smaller place, you can now buy your assets from around the globe and not just from the United Kingdom, but what if you want to finance these goods? This article explains the options available to your business.

How to work out a flat rate or APR on your loan using a rate per thousand - Click To Read Article
This article gives a simple calculation for working out the APR or flat rate on a commercial loan using only the rate per thousand.

How To Terminate a Lease Agreement - Click To Read Article
This article looks at how to terminate a leasing agreement in place with your business if, for example, you have leased equipment or assets from a supplier.

How To Choose The Best Type of Credit Card For Your Circumstances - Click To Read Article
If you read the newspapers, watch television or go online, you'll see there are always new credit card offers coming onto the market almost daily, all with their own enticing offers and unique benefits to tempt you towards applying for their card. But which one is right for you? This article looks at how to review a credit card and select the best one for you.

Equipment Suppliers - Can You Offer Finance Options To Your Customers? - Click To Read Article
If you want to increase your equipment sales you should consider offering leasing options to your customers, but as a supplier you can't simply start offering finance options, you need to partner with a reputable finance broker who will represent you and help you with this process. This article looks into this sector in greater depth.

Why Should You Offer a Finance Scheme To Your Customers? - Quick Guide - Click To Read Article
A short and concise guide to the benefits of you - as the owner of the equipment supplier business - offering a finance scheme to help sell more of your equipment.

What is an Operating Lease and who uses them? - Click To Read Article
There are many specialist finance product on the market for all different types of use. The operating lease is a less common type of lease but equally important, here we look why.

What is a Vendor Finance Scheme, and How is it Operated in the United Kingdom? - Click To Read Article
This article explains the basics of what a vendor finance scheme is, how is can benefit you as an equipment supplier, and the reasons behind why a growing number of UK equipment suppliers are now leading with vendor finance schemes to help sell more of their equipment and increase their profits.

Vendor Finance Schemes - Benefits To Your Sales Team - Quick Guide - Click To Read Article
This article offers a short and concise list of benefits to your sales team by you choosing to offer a finance option to your customers.

Vendor Finance Schemes - Benefits To Your UK Customers - Quick Guide - Click To Read Article
This article is a short and concise guide covering the benefits to your UK customers acheived by leasing their equipment from you, instead of buying it outright using cash from their business account.

UK Business Finance - The Options Available To You - Click To Read Article
This article gives you a straight-forward overview of the typical financial products and options available to your business in the United Kingdom. For some businesses, taking a lease rental may not be ideal - they may instead need an operating lease. Others require an investment for example, or venture capital to aid their growth. This article breaks down what finance options you have available to explore.

UK Business Finance - Do I Need To Insure My Equipment? - Click To Read Article
If you take out a finance lease for business equipqment, you normally need to insure the equipment as part of the lease, this article explains why.

UK Asset Finance Options Explained - How To Choose the Right Finance For Your UK Business - Click To Read Article
This article details the various options available to businesses in the United Kingdom who are looking for asset finance to buy new equipment for their business, but are unsure of the best method to use. Here we discuss the various finance methods available, along with the associated tax benefits attached to each finance method.

Typical Flowchart Explaining How a Vendor Finance Deal Works for a UK Supplier - From Start To Finish - Click To Read Article
This is a behind the scenes flowchart designed to let you as the UK business owner better understand the typical processes involved when writing a finance deal via your vendor finance scheme. It will be useful for any business owner who has not yet considered offering finance options to their customers because they didn't understand the process involved, or for those business owners currently considering offering finance options but wanting a better understanding of how things would work.

The important factors to consider when choosing a commercial finance broker / asset finance broker in the UK - Click To Read Article
There are many finance brokers operating in the UK, so how do you know which one to chose? You should look for well-established brokers with plenty of trading history, for a start. This article details the other important factors to consider when choosing a business finance broker.

The difference in underwriting criteria between vehicle finance and asset finance in the UK - Click To Read Article
Many people think that vehicle finance and asset finance have the same underwriting criteria, this is incorrect and here we examine why some funders will not lend money even to successful hauliers with large fleets, even if their existing funders continue to offer them ongoing finance options for new vehicles.

The difference between fixed term and minimum term business finance agreements - Click To Read Article
Are you confused by all the different types of lease agreements out there? This article covers off one very important point to most finance agreements, whether they are a fixed term or minimum term, and the associated differences.

Lease Rental versus Outright Purchase - A Worked Example - Click To Read Article
A simple yet useful worked example demonstrating the typical UK tax relief available via taking the leasing route to acquire new equipment for your business, compared to the UK tax relief available on outright purchase. This demonstration is based on the tax percentages currently in place in the United Kingdom.

The associated document fees related to a standard UK finance agreement - Click To Read Article
With most finance companies, there is a standard document fee payable on activation of your finance agreement. This can be called an acceptance fee, documentation fee, activation fee, or similar. This article explains the finance document fees in more detail.

Sole Trader Business Finance - The facts you need to know - Click To Read Article
As a Sole Trader there are different legal responsibilities when it comes to your financial liabilities, there are several facts you need to know when you consider setting up your business as either a limited entity or a sole trader, this article explains.

Software Finance for Businesses in the UK - Click To Read Article
With funders looking at emerging markets and new financial products a new type of finance has been become available for the funding of software licenses. This article explains how funders offer finance on software to UK businesses.

Leasing Equipment versus Outright Purchase - New 2010 Example - Click To Read Article
This article covers the changes in the tax allowances that are now available to business owners in the United Kingdom. Significant changes recently came into force regarding how much can be offset against pre-tax profits,

Commercial Loans UK - How To Work Out The Rate Per Thousand Cost of Your UK Loan - Click To Read Article
This article explains how rate per thousands are used to work out the interest element of your UK commercial loan, business loan, or lease finance. Many commercial loans do have APRs attached to them, whilst others are calculated using a rate per thousand. Here we explore rate per thousand calculations.

Car Finance and Balloon Payments in the UK - Click To Read Article
How does car finance in the UK work when a balloon payment is involved? What is a balloon payment and how can it help me when buying a car for my business on finance?

Business Finance For Poor Credit UK Companies - Click To Read Article
If you are a poor credit company and require business finance, how do you go about securing it? This article explores the options.

Business Finance & Networking in the UK - Click To Read Article
With all businesses, networking can be a critical part to securing new lucrative contracts for your business, here we look at the best ways to network for business finance.

Should I just Use My UK Bank For Asset Finance and Commercial Loans? - Click To Read Article
This article explores the reasons why companies should look at all options when sourcing finance for their UK business. Many businesses simply use their bank facility for all the finance requirements they may have, but do they realise there’s lots of other business funders out there who may be even cheaper and more flexible?

How an underwriter will look at your business accounts to establish if you are credit-worthy for UK asset finance - Click To Read Article
This article steps inside the mind of a typical UK underwriter, and examines what they look for within your company accounts and how much they will lend you based on that information.

Poor Credit But Still Need Business Finance? Are You a Homeowner? Consider a Charge Deal - Click To Read Article
This article discusses the other options available to you should your business need finance, but for whatever reason you don't have good credit, or you're a brand new start business and require a large sum of money for new assets. Typically known as a charge deal, the funder takes a second charge over your freehold property against the asset they are funding.

Popular Reasons UK Businesses Choose To Finance Their New Equipment - Click To Read Article
This article runs through the reasons why asset finance and leasing is proving more and more popular in the United Kingdom, and its popularity continues to grow year-on-year. Especially in the current financial climate, many businesses are choosing to preserve the cash they have at the bank and instead looking for new ways to still get the business equipment they need without it affecting their cashflow. Business finance is a perfect answer, and here we run through why.

Financing a Subway Franchise in the United Kingdom - Click To Read Article
A guide to securing franchise finance in the UK. The guide discusses the benefits of franchise finance in the United Kingdom for one of the most popular franchises currently out there - The Subway Franchise. Subway is growing at an extremely fast rate in the United Kingdom, and many business owners choose to fund their Subway restaurant via a competitive franchise finance package, allowing them to keep their much-needed capital at the bank during the early start-up phases of their new franchise. Al Shea discusses the benefits of franchise finance in general, as well as Subway Franchises.





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