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Strategic issues for investment appraisal
Assessing how an investment fits into your business strategy and long-term objectives.
Borrow money for capital investment from pension schemes
How small self-administered pension schemes allow a business to borrow money with certain restrictions.
Calculating tax relief when acquiring an asset
How tax relief can work in different ways when borrowing or leasing to acquire an asset.
Types of bank finance for businesses
Sources of short- and long-term bank finance for businesses, including overdrafts, bridging finance and mortgages.
Advantages and disadvantages of bank loans
What loans are, their advantages and disadvantages, and how to know when they are suitable for your business' needs.
Where to look for a bank loan
Potential lenders for a business bank loan and how to secure a loan and get the best deal.
Apply for bank finance: step-by-step
Before applying for bank finance, take a step-by-step approach so that you have the best chance of success.
Is your business ready for bank financing?
Even before seeking finance, you need to be clear in your own mind about why you need it, and how much.
Advantages and disadvantages of overdrafts
The flexibility, advantages, drawbacks and costs of using an overdraft facility.
Providing a guarantee for your loan
How loan guarantees can help you secure funding, and details of personal and limited liability.
What is a balance sheet and why is it used?
Limited companies and limited liability partnerships must produce a balance sheet as part of their annual accounts.
Assessing your cash needs: assets and liabilities
Gearing ratios, working capital ratios and quick ratios are useful tools to compare assets and liabilities.
Matching sales and production cycles
Ensuring a closer match between sales and production cycles can help avoid overtrading.
How to avoid overtrading: example
A case study of how to avoid a situation of overtrading and the potential disaster it causes.
Balance sheets
Balance sheets show a business' assets and liabilities and can help you assess a business' financial health.
Insure against common business risks
Risks most businesses need to consider insuring against - from fire, theft and equipment failure to unpaid bills and cyber attacks.
Protect your staff with insurance
Insurance to protect you and your staff - key person, critical illness, income protection, private health cover.
Reduce your business insurance risks and premiums
How to pay less for insurance by managing risk - perhaps by improving your health and safety performance.
What insurance does my business need?
Learn about the different types of insurance and how to get help from an insurance broker.
What types of business insurance are legally required?
Information on the types of cover you must have by law - typically employers' liability and motor insurance.