Hi Good Morning,
My apologies, the weekly email is a day late this week, Clare and I went to an “Irish Wake” yesterday, for our friend and neighbour. He was one of lifes “Givers” his attitude was always to give with pleasure, his warmth, advice and care for everyone he met, was always matched by good fortune.
You might find this interesting

https://thegogiver.com/five-laws/
I learnt something similiar about 10 years ago after going through a difficult time and this philosophy has given me pleasure and success.Every week, a client returns or I receive a referral, my social and family life is at its best, and I am really enjoying life.

Why you should try and Secure a business loan before you need it.
In many instances a company director, knows they are going to need finance some months before they actually go out and arrange it.
The reasons can vary from, they know they are going to hit a short term cash flow issue to a myriad of reasons, but the point I am trying to make, is you normally know.
In the last stage of a financial application for a business loan, the underwriter usually looks very closely at the underlying trend of your last 3 months bank statements and will see if it is stable, going up or gradually tightening, if it is the latter, this can make the difference between you being offered an interest rate at 10% whereas 3 months earlier the rate could have been 5%.
Due to time pressure and work demands, it is easy to leave applying for finance until a couple of weeks before you actually need it and then you just see this great advert on the internet, “which is a catch all hook”
All are welcome, rates from 3% and a same day answer.
Which I suppose is closer to reality than you winning the lottery this week!!
The problem by applying direct, is if you are lucky enough to choose the right company for your business finance, that is offering the right deal, for your business sector and credit rating, right now, you will have no access to explain anything that might be relevant to your application.
You will just be speaking to a form filler, which is why you should use a broker, a Good Broker will have that access, to senior management within the finance company.
But if you do use a finance broker, please just use one, I explain why here
https://www.ringrosebusinessfinance.co.uk/business-finance-news/
If you are dealing with more than 1 broker, you are very welcome to call me and I will try and help you, but I will not act for you.
Where I differ from some is that with so many types of finance available, I know my limitations. I do not say I am an expert at every type of finance, but I do have someone on my team who is that expert.
Please look at my business finance testimonials
It has taken me years, to have this wonderful team supporting me, but when you love what you do, you meet good people along the way.
You are always welcome to call me on my mobile 07710 466166.
Let’s talk today.
Very best wishes,
Mark
Mark Smillie
0800 612 5364 or 07710 466166
PS
If you are in the construction sector or doing a property development. This is a type of finance where you need a specialist, a normal broker is not good enough, I believe I have the best person on my team who specialises in this.
PPS
Do you have an existing Invoice Finance Facility? Then you are probably paying over the odds, you should really see this short video.

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