by Angus Ryall | Jul 14, 2021 | Uncategorised
When I was speaking with lenders about financing a pub company during lockdown, it was difficult to get past the fact that at the time the pubs were shut. It reminded me of a different situation about how can we look beyond the headline and exercise good judgement?...
by Angus Ryall | Jul 14, 2021 | Uncategorised
Yes, all the indicators are pointing in the right direction – hooray! It’s great to be out and about with business owners looking to bring their plans to fruition, and I sense that many banks are venturing outside and blinking somewhat in the face of the...
by Angus Ryall | Jul 14, 2021 | Uncategorised
When is ‘free’ not free…when your finance broker tells you that their service is free…. We all know that nothing in life is free, so the finance broker who claims “our service is free to use” actually means that you are paying for their service through a...
by Angus Ryall | Jul 14, 2021 | Uncategorised
Yield curves are steepening as financial markets start to resemble some facets of ‘normal behaviour’, but a return to the office 5 days a week seems like it will never return… → how do we benchmark useful rules of thumb when some things seem to have changed...
by Angus Ryall | Jul 14, 2021 | Uncategorised
Will Rogers once said that the three greatest human inventions were fire, the wheel, and central banking. The machinations of central banking are beyond most of us mere mortals with quantitative easing as the policy of choice in recent times. These macro economic...
by Angus Ryall | Apr 28, 2021 | Uncategorised
A welcome approval last week from Lloyds for a £5m loan in the charity sector that is just what the scheme was designed for. As one of London’s biggest visitor attractions the breathing space provided by this loan is essential. Now that the scheme has closed for...
by Angus Ryall | Apr 28, 2021 | Uncategorised
Warren Buffett said: “When a management with a reputation for brilliance tackles a business with reputation for poor fundamental economics, it is the reputation of the business that remains intact”. I have noticed lenders reverting to this maxim at a time...
by Angus Ryall | Apr 28, 2021 | Uncategorised
Another successful CBILS approval… £1.6m provided by ThinCats. The clock is ticking on this scheme and applications need to be submitted by 31 March. If you would like to join the Obica Business Funding group as a free resource to ask questions and discuss...
by Angus Ryall | Apr 28, 2021 | Uncategorised
It is perhaps galling for SME business owners to read in the FT today that bond and equity fundraising in the first three weeks of this year is the largest for over two decades, just when the credit supply to their segment remains very tight. I am currently...
by Angus Ryall | Jan 27, 2021 | Uncategorised
I read an Economist article of the story about two men filming a lion for a wildlife documentary. The lion suddenly looks up. The men fear they have been spotted. One of them slowly removes his boots and puts on a pair of running shoes. “You will never outrun a lion...
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