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Understanding Development Finance – How Much Can You Borrow?

Entrepreneurs thrive on their ability to identify and satisfy demand in a particular market. And from an entrepreneurial perspective, there can be few markets that are so self-evidently rich in pent up demand as residential property.    Estimates of that demand vary, but the settled view of Government is that the UK needs to build…

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Why Property Developers Should Consider Private Debt

  The world of property development has its own well-established finance ecosystem – one in which banks and also specialist lenders provide a range of funding options to investors, developers and entrepreneurs.   And that is good news for anyone preparing plans for an investment in the buy-to-let market or something more ambitious – perhaps…

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Preparing to Borrow For A Property Development Project  

Property development opportunities take many forms, so naturally enough, there are also numerous finance options. When preparing to borrow to fund a project, it’s important not only to match the source of finance to the project, but also to think about what the lender will require before signing off on a deal. So depending on…

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Turning Offices Into Homes – Financing a New Property Development Opportunity

Britain’s town and city centres have undergone huge changes over the last few decades. As manufacturing declined, many of the light and heavy industrial units that operated in close proximity to shopping and residential areas have been converted to offices or, more recently, apartments. Looking to the future, as retailers come under pressure, many analysts…

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The Year So Far – Use of Credit is Down in 2018 but AltFi Growth Continues

Back in January of this year, merchant bank, Close Brothers published a survey suggesting that just over a quarter of UK SMEs felt they were not being served by their high street banks. In particular, the survey identified a perception that traditional banks lacked the specialist knowledge required to effectively support their small business customers.…

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Filling The Gap – SME Funding After Brexit

The scale of Britain’s contribution to the European Union continues to be a subject for sometimes heated debate – even two years after the Brexit vote. During the referendum campaign, those on the leave side put the figure at £19bn per year, while remain voters pointed out that a large percentage of that money came…

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The Blockchain Revolution – Will ICOs Change the Alternative Finance Game?

In December 2017, the Financial Conduct Authority issued a statement warning that Initial Coin Offerings (ICOs) should be considered as high risk and highly speculative investments, suitable only for sophisticated investors.   To support its statement, the Authority cited a number of risk factors that should be flashing warning lights. These included the fact that…

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Fintech’s Success Story – The Secret is Better Service

Financial technology – more colloquially referred to as Fintech – has become one of the hottest corners of the UK’s startup universe.   Evidence of the sector’s strength is provided, at least in part, by the growing interest of investors. In 2017, British tech startups attracted £2.99bn in equity investment, according to figures published by…

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