Looking beyond the headlines…

Looking beyond the headlines…

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?...
Growth is on the way back…

Growth is on the way back…

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...
Too good to be true?

Too good to be true?

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...
Return to normal?

Return to normal?

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...
The three greatest human inventions

The three greatest human inventions

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...

£5m loan in the charity sector

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...