Richard Butler Creagh on Business Loans

Welcome to the Richard Butler Creagh blog. Richard Butler Creagh has been in the bridging lending business for many years. Richard Butler Creagh's is financing process is laser-focused on the asset. All else is secondary. Because the only thing that matters is your property. In today's post, we talk about the types funding to finance your growing business. Read on to find out more.

The recent statistics show that over $4billion of loans have defaulted. This has a significant impact on the lending business as it increases the risk when borrowing money and consequent increases the cost for borrowing money which not only impacts the individuals but also the economy due to increased cost. Today organic growth for the business is almost unheard of on a medium and large scale. In fact, a study has shown that a healthy business has approx. 60 % on finance to get optimal growth.

As they say, There is no business without cash to open it. Smaller or larger. The idea itself is not enough!   It is a challenge for young entrepreneurs to get financial resources to start a business. The vast majority of cases, opening a business with no financial outlay is simply impossible. Fortunately, in recent years there have been many opportunities on the market to take out a loan to start a business in the UK. The situation is even simpler if we take care of a good business plan and we want to create new jobs. The property market, however, has an exception where has to be sufficient security in the project.

 A loan from a bank in the UK. The most important element that decides about obtaining a loan to start a business in the UK is credit history. This is what the banks take into account when assessing our creditworthiness. This assessment determines the credibility as a borrower and is to be a confirmation for the bank that we are able to repay the loan. It is developed in a credit score system, and the number of points we get translates into the amount of the loan that we can apply for. The same works for business and in many cases if there are not securities even for a limited company the bank will require a personal guarantee, which defeats the object of having a limited liability company in the first place.

Loans for start-ups. Another way to get a loan to start a business in the UK is to take out a bank loan intended only for start-ups. Usually, these are loans for relatively low amounts (from several to several dozen thousand) with a short loan term. On the British market today we find only a few banks that have an offer of loans for beginner entrepreneurs, but each year there are such offers. Banks are afraid of a fairly high risk of insolvency, which is why they are still more willing to lend money to enterprises that are already operating on the market. We must remember that the banks

Business grants. A grant is an amount that finances a specific project or business goal. They are usually non-returnable and can be paid from many sources, such as the UK government, non-governmental organizations, Business Enterprise, etc. Grants can be associated with a specific activity, business sector or geographical location of our company. This is the case for grants paid by the UK government. Such co-financing may cover up to 60% of the amount provided for in the investment.


Richard Butler Creagh helps you with your business loans, it's easier than you think. The reason most small business owners don't get financing is that they're looking in the wrong places. Learn more about Richard Butler Creagh here and how he can help you get the capital you need here. Browse  Richard Butler Creagh's complete collection of business, financial news, property tips and more on the Richard Butler Creagh's Pinterest page here. You can also follow Richard Butler Creagh's Facebook page here.

Richard Butler Creagh Explains European Bridging Finance  

Welcome to the Richard Butler property blog. Here we share with you information why bridging finance is an important part of the property and business development in general. Richard Butler Creagh is a financial consultant who founded Henley Finance in 2013. In today’s blog, you’ll discover more about bridging finance loans.

Richard Butler Creagh on Commercial Property Loan

Welcome to Richard Butler Creagh Blog. Richard Butler Creagh is a property and Finance Consultant. Read on to find out more information about commercial property loan, which can help you build your business infrastructure.

If you are a self-employed whether it be a Lawyer, Doctor or Businessman you need a proper workplace where you can work with a peace of mind and an environment which gives you inner motivation towards your work. To purchase such a commercial property it is a bit difficult as the price of such property is comparatively higher than a residential property and people generally opt for business loans to fulfill this need. However, to overcome such a problem - a commercial property loan will help you own a workplace of your choice so that you can take a step closer to your business goals.

What is a Commercial Property Loan?  It is basically financing a fixed property used exclusively by a borrower to purchase a property for the commercial use. A borrower can take the loan and then provide it for rent as well. This includes property for office and general commercial accommodation.

Commercial Property Loan can be availed for the following purposes:

Richard Butler Creagh on Brexit house prices.

Welcome to the Richard Butler Creagh blog. Richard Butler Creagh has been in the bridging lending business for many years. Much has been written about the impact of the UK’s housing market that leaving the EU without a deal could send house prices tumbling by a third. Some regions have boomed, while foreign investors continue to keep faith in the UK.  In today’s blog, we bring you the insider’s guide to what experts from the estate agents think will happen over the coming months.

Richard Butler Creagh Shares Why Sustainable Lending is Gaining Traction

Welcome to the Richard Butler Creagh blog. Richard Butler Creagh has been in the bridging lending business for many years.  A new generation of sustainability-linked loans is reshaping the market, putting more companies' green goals within reach. Green lending is changing the present financial scene, providing funding to a wide scope of corporates and boosting business to fabricate a progressive and sustainable future and it is continuing to gain traction.


Holistic Sustainability Assessment
Many early green loan structures proved too rigid.

Today's green loans are more holistic. Companies are typically offered "standard" pricing, built around normal risk and credit parameters. Specific key performance indicators (KPIs) are then added to the loan contract. Companies receive a discount as targets are reached. If targets are missed, they pay a premium.

Performance is reviewed by a third party organization and such loans are open to companies of sufficient size and financing requirements, providing they have suitable corporate social responsibility policies in place

Regulation
A recent report by Dutch regulator De Nederlandsche Bank warns of bubbles if regulation and oversight are not developed effectively. Maarten Vleeschhouwer and Henk Jan Reinders, two of its authors, are seeing how green criteria can be joined into oversight systems.

Maarten Vleeschhouwer likewise calls attention to the green supporting factors to bring down the total capital in Europe's banking system. Penalizing factors would do the opposite, making the banking system stronger.

Abb gives the example of a town wanting to switch to LED street lighting. The project could deliver lower emissions but comes with big up-front costs. If the financiers, council, and contractors work together before a deal is signed, they could install electric-vehicle charging points to the lampposts too, ensuring the project generates revenues to mitigate part of the cost.

"Banks can differentiate themselves by their ability to engage and advise their clients on developing impact-based business – in which positive impacts are not an externality but central to the business model itself," says Abb.

Learn more about Richard Butler Creagh, the founder of Henley Finance here. Read more about Henley Finance which is a bridging lender company that invests in UK property here

Watch this video about Henley Finance and what they can offer you:

It is kind of lonely that the summer is well and over behind us. But looking at the bright side, this can pose as a great opportunity for property investors.

Richard Butler Creagh gives us tips on how to excel on the property market this autumn.

The summer holidays are over

With a lot of people back from their summer trips in the autumn, tenants will likely start searching for new home again. This means that if you suffered a low-down during the summer, you are likely see a rise in demand during the cold months. This is a great news if you are planning to get a property let.

People wants to move in

Tenants will also be more eager to move into new properties in the autumn because this means that they will be settled into their new homes by Christmas. As a result, property investors will be sure that this fact, accompanied with an increase in demand, will lead to more properties being sold up as quickly as possible. A fast move-in will also prevent you from long void periods, which can have a hazardous effect on your finances.

Students are returning

It is usually on September and October that students start coming back to their respective universities. If you are a new investor in properties, you will soon get used to this cycle. You can even allow short-term lets during the summer to keep your property full.

Target the right tenants

If you have been suffering a slump during the summer, you must take this opportunity to ensure that you are targeting the right kind of tenants and that your property is suitable for them. The most important factor on having a successful lettings business is to have trustworthy tenants in your properties so you must make sure you find the right ones. If you decide to target different tenants, make some changes in your investment like considering adding another bedroom for family tenants.

If you are interested in purchasing a buy-to-let property then contact a reputable bridging finance company like Henley Finance. Follow Richard Butler Creagh on Twitter or watch this video to find out more

Richard Butler Creagh shares tips on how do you stop yourself from overspending

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