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Improving Access to Commercial Finance in Northern Ireland
1204, 2024

Everything you need to know about commercial finance

By |April 12th, 2024|Categories: News|Tags: , |0 Comments

Commercial finance refers to the various financial products and services offered to businesses to help them manage their financial operations and facilitate growth. Some common forms of commercial finance include: Business Loans: These are loans provided to businesses for purposes such as working capital, expansion, equipment purchases, or real estate acquisition. Asset-Based Lending: This involves obtaining finance secured by the company's assets such as accounts receivable, inventory, or equipment. The amount of financing available is typically based on the value of these assets. Commercial Mortgages: Businesses can secure finance to purchase or refinance commercial properties such as manufacturing units, office buildings, or retail spaces. Hire Purchase financing: This type of finance allows businesses to acquire equipment or machinery through leasing

603, 2024

Why use an independent finance broker?

By |March 6th, 2024|Categories: News|0 Comments

Johnston Financial Solutions has over 30 years of experience in the finance sector – we've put together a list of reasons why using an independent commercial finance broker is a good decision whenever seeking finance for your business. What services does an independent commercial finance broker offer? An independent finance broker will help support clients navigate the world of securing finance. There are a wide variety of financial options to choose from, such as Commercial Property Loans, Development Finance, Bridging loans, Asset finance and Cashflow Funding. A commercial finance broker will typically work with a wide range of funders and lenders, including peer-to-peer lenders and will be able to secure the best option for your business.   Understanding Financial Products:

602, 2024

When to use Hire Purchase vs Asset Financing

By |February 6th, 2024|Categories: News|0 Comments

At Johnston Financial Solutions, we see a variety of reasons why business wish to access finance. Typically, the main reasons include: to purchase new machinery to improve its workplace productivity to expand the workforce and hire to purchase or expand a physical premises When it comes to purchasing machinery or new assets for the business, there are two types of finance options that a business can explore. Hire Purchase Hire Purchase (HP) is a financing arrangement that allows a business to acquire an asset without paying the full cost upfront. Typically, the buyer will pay an initial deposit, followed by a series of regular payments over an agreed period. Once the asset has been fully paid off, the lender will

1404, 2023

Do I need Personal Guarantee Insurance?

By |April 14th, 2023|Categories: News|0 Comments

We have partnered with Purbeck PG insurance specialist, currently the UK’s only current provider of Personal Guarantee Insurance (PGI), to provide you with a solution that gives you the confidence to grow your business through securing crucial finance, whilst protecting your personal assets.  In our latest blog, we will delve deeper into Personal Guarantee Insurance (PGI) and why it might be something you want to consider.    What is Personal Guarantee Insurance?  Personal Guarantee Insurance provides insurance coverage for an individual that has signed a Personal Guarantee on a loan.   A Personal Guarantee is a legal document, whereby the individual and the lender have come to an agreement that if the individual's business cannot repay a loan, they will have

103, 2023

Advantages of Property Development Finance

By |March 1st, 2023|Categories: News|0 Comments

Property Development finance is a type of finance which is used to fund the purchase, construction or refurbishment of buildings. It can be used to fund both commercial and residential property projects, and can also be used for land. Interest rates will vary from lender and will depend on the amount of finance that is secured, the size of the project and the value of the property once the project has been completed. Typically, the finance is then repaid through the sale of the properties or through a re-finance agreement.   Advantages of Property Development Finance Navigating securing finance for a property project can be tricky and there’s many reasons why people decide to go down the property development finance

1201, 2023

3 things you’ll want to do to set your business goals in 2023

By |January 12th, 2023|Categories: News|0 Comments

As we enter 2023 we are bombarded with motivational messages, encouraging us to become our ‘best selves’ for the year upcoming, but when it comes to New Year goals we should be thinking wider.   The New Year brings with it motivation and forward focus, so a great time as any to start setting your business goals.  You might ask yourself, why do I need to set business goals?     Why set business goals  Think of your business goals as the map for success for your business. Having goals gives your company a sense of purpose and makes it clear what you, as a business, would like to achieve. Having clear cut goals can also keep employees motivated and provide a

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