Author: Stewart Clark / Date: February 15, 2016

If you admire gadgets or clever design, then you will most likely have one of those nifty little tools’ which have dozens of attachments enabling you to; cut, bend, clamp, squash, saw or sew. They come in a range of colours and sizes, from pink micro versions to hang off your keys to the bulkier silver […]

Author: Stewart Clark / Date: October 30, 2015

With countless business finance products in the market – is can be daunting for some businesses to decide which option to choose. The frequently asked question is “which one should I take?”, so to take some of the pain out of this point – we have provided 5 simple steps for better Business Financing. To start, it’s not so […]

Author: Stewart Clark / Date: May 15, 2015

A well-used line in business – and for good reason, as without cash (or cashflow) in a business, it delivers the same result as a having a body without blood – SUDDEN DEATH! I have seen mortally wounded businesses survive, simply because they had sufficient cashflow coming in the door to provide options. In some cases, the key objective […]

Author: Stewart Clark / Date: February 28, 2015

You would not skydive without a parachute, so don’t do business without these. From a banking perspective, every business should have these 10 items in their kit bag to either save, make or protect money – whilst maximising their banking relationship. Assess whether your business has these as you go (Yes/No responses) and be honest – pass/fail thresholds are at the end. a contact (or preferably three) […]

Author: Stewart Clark / Date: June 30, 2014

For those who have borrowed money, you would be aware that financiers are always looking for a primary exit (repayment) source – normally via the repayment from business operations AS WELL AS a secondary exit just in case everything turns sour.  Most people get the simple fact that if they default on the loan, the financier will look to […]

Author: Stewart Clark / Date: April 20, 2014

With countless finance products in the market – which one should I take? This is an FAQ from most businesses at some point, so this simple shopping list should take some pain out of the process. To start, it’s not so much a case of which product you should take, it’s more a question of which one do you need and realistically, what is […]

Author: Stewart Clark / Date: March 18, 2014

Debt comes in two forms – Good and Bad. Successful businesses understand the difference and actively manage their position. Over the years I have seen many businesses struggle (and some crumble) under the burden of debt – with the debt load literally hanging over the business like a tree branch waiting to fall in a strong wind. Using a simple test before taking […]

Author: Stewart Clark / Date: January 26, 2014

As with most things in life – learn the lessons of those who have gone before you. Over my years working with businesses and lending money, I have seen a number of simple mistakes that have cost people a lot of money. To save you the cost of these, I have jotted down 5 of the most common mistakes that I have seen, along with simple yet effective suggestions to […]