New Year, New Credit – Getting a fresh financial start

After months of gift-buying and festivities, the Christmas cheer is slowing down. Unfortunately, for most of us, that means putting down the mulled wine and returning to the 9 – 5 lifestyle.

As everyone knows, with New Year comes New Year resolutions. For some, it may be sticking to a strict, no junk food diet, or increasingly your weekly exercise regimes, but for the business owners amongst us, our resolutions may be more finance focused.

Whilst the economic burden of Christmas may be over, upcoming finances cannot be ignored. With the January HMRC online tax return deadline looming, as well as any outstanding company payments, it’s time to sit down and work out the maths.

Whether 2016 proved to be prosperous or unsuccessful will vary from business to business, but regardless, 2017 offers the opportunity for a fresh start. Through organising your finances prior to the New Year, every business will know where they stand in terms of profit and funding objectives. With this in mind, by this time next year, you can look back knowing that all your hard work has paid off.

At PFC, we understand that finance is not so clear cut and that organising your finances may be more stressful than creating a simple spreadsheet. However, we also understand the ways in which easy, flexible finance access can transform a business, which is why we’re here to help your enterprise start afresh. With a number of different financial schemes, we can ensure that 2017 will start as it means to go on.

From asset finance and commercial loans to invoice and inventory finance we provide a range of finance options to suit everyone, and with a team of dedicated lenders, we promise that each individual will receive a scheme tailored to their specific needs. Having worked with every sector, no financial problem is too overwhelming for us, and the success of our services has been evidenced time and time again.

If you need a fresh financial start, then get in touch today. We can provide fast, flexible and competitive rates from an unrivalled lending panel, comprising many of the top tier funders and niche specialised SME lenders, that all starts with a simple email. We’re here to help. Start 2017 with a new financial outlook, so that your business can grow to its full potential over the course of the next year.

Beat the January Tax Bill Blues

With the pressures of Christmas, it’s easy to forget about what might be due in January like filling out that all-important HMRC online tax return and paying any tax you owe for the year.

In the UK, 4.79 million people are registered as self-employed and are required to fill out a self-assessment tax form every year before the online deadline of 31st January. Many will have an idea as to what the figure will be, but a few may well realise the bill is unexpectedly higher than planned.

Either way, funding the January tax bill is proving to be an invaluable method of protecting cashflow for business owners.

PFC works with a panel of more than 30 lenders to offer customers fast and flexible access to finance. The team is able to assess an individual or businesses requirements and find a route to finance where other providers may fail. Some payments can even be processed in under 2 hours.

Customers can finance their tax bills over 6 or 12 months, providing essential budgetary advantages as they can spread the cost of paying the HMRC.

Get in contact if you would like to speak to one of our experienced consultants and understand how we can provide access to finance and help you beat the January blues.

A LITTLE SOMETHING FOR CHRISTMAS?

‘All I want for Christmas is my two front teeth’, may have been a popular Christmas request back in the 1940’s, but today the average Christmas costs UK families more than £800.

With increasing pressures on family finance and a fear of a weakening economy many business owners are turning to manageable personal loans to get them through this expensive time of the year.

When coupled with self-assessment tax returns scheduled for January, this time of year can put an extra strain on finances as businesses look to balance their books and make cash available for important projects or to simply make the payments needed to keep the plates spinning.

To support businesses and business owners at this time of the year, PFC has introduced tailored personal loans specifically for business owners or directors.  The loans are provided by a specialist market leading lender, and in some cases funds can be approved and transferred to the individual on the same day as the application.

The finance raised can be used on a range of different purposes from helping with a company’s cash flow at key times of the year to investment in stock or even to treat oneself to a holiday as a well-earned break at Christmas.

With access to state of the art online portals, PFC is often able to propose a personal loan and arrange payment to clients in less than 2 hours.  Clients can achieve unsecured borrowing from as little as £1,000 up to £100,000. Larger amounts are available, but will need to be supported with a charge over property.

To help provide quick access to finance, PFC has an easy application process that comprises one simple form.  The loans have a representative APR starting at 7.7%, with repayment terms ranging from 3 months to 5 years.

By providing bespoke and tailored access to finance, businesses and business owners have an extra layer of reassurance at an expensive time of year.  The support allows businesses to move forward with confidence and safe in the knowledge that they have access to finance when they need it most, particularly when there’s a little something special needed for Christmas.