We pride ourselves on having built a solid reputation for securing the best financing solutions available for our clients. We endeavour to support your business through every stage of the process to ensure that we achieve a successful outcome together. Our news page is a useful resource for all areas of business finance.
Managing tax can be a critical part of running a business but it can often be complex and overwhelming, especially for companies that face large tax bills or seasonal cash…
Completing a business financial review will involve an in-depth examination of a company’s financial standing, exploring areas such as income statements, balance sheets, cash flow and key performance indicators. Conducting…
Applying for business finance can bring broad benefits for a company looking to expand, invest in new initiatives or simply boost cash flow. However, simply making an application does not…
Merchant cash advance (MCA) is a type of financing that provides businesses with quick access to cash by advancing funds based on future sales, typically credit card sales. MCAs are…
Securing invoice finance can be a smart way for businesses to improve cash flow, especially when waiting for customer payments. Invoice financing allows businesses to borrow money against unpaid invoices,…
A credit score is a numerical representation of a business’s creditworthiness and is used by lenders to assess the likelihood of a borrower being able to repay a loan. The…
Creating a financial forecast for a growing business is an essential part of its strategic planning. It helps business owners anticipate future financial outcomes, manage cash flow, and make informed…
With the festive season approaching rapidly, many businesses will face a challenge of managing cash flow whilst also meeting the increased demand in products and services. Christmas is a crucial…
For businesses that operate in the manufacturing, construction and agriculture industries it is essential that they have the right plant and machinery for day-to-day operations. The problem is that this…
Securing a loan for a small business can be an important step in expansion, meeting operational needs or simply stabilising cash flow. Often many business owners do not consider an…
There are several financial tools available which can assist a company with its budgeting. Providing access to capital, improving cash flow, managing costs and enabling good investment strategies are just…
There are numerous excellent vehicle finance solutions available for business owners, directors, employees, and the self-employed. With a variety of options, a vehicle can be acquired for both personal and…
An agriculture business can leverage asset finance to acquire essential operating equipment and machinery without the need for significant upfront costs. By using this facility, businesses can better manage cash…
VAT lending is a type of business finance that allows a company to better manage its short-term cash flow. Essentially, it is a loan that covers the cost of a…
A cost-benefit analysis is an excellent systematic process that can be used to evaluate the financial impacts on a company when applying for business finance. It compares the total expected…
In today's challenging economic climate, businesses must manage cash flow with greater precision. Tax obligations and VAT payments can significantly drain capital, posing a considerable challenge for many firms. At…
Acquisition finance is a specific area of finance which is used to fund the purchase of a company or its assets. Here are some of the most frequently asked questions…
View our NACFB Certification. Should you have any questions or would like to know more about our commercial finance solutions please call us on 01993 706403 or e-mail enquiries@ngifinance.co.uk.
Businesses face constant changes, so it is vitally important that they maintain financial agility in order to sustain growth and resilience. Having a flexible budget and access to strategic business…
If you have the desire to join a friendly and well-established business in the finance sector, then we could have the perfect role for you. As an Apprentice Business Administrator,…
In our final article this month for car stocking finance we provide answers to all those commonly asked questions. What is car stocking finance? Car stocking finance is a form…
Following on from our first 2 articles this month on stocking finance, we explore why it helps with the purchasing of new stock. Obtaining credit from a bank can be…
Next up in our monthly mini-series we look at the advantages of car stocking finance. The automotive industry is constantly evolving so staying ahead and outperforming the competition requires innovation,…
This month we are providing a spotlight on car stocking finance. So, to begin with let’s explore what it is. Car stocking finance is a specialist form of lending that…
The business landscape across the UK has seen a vibrant surge in the past 12/24 months. This in turn has naturally seen an increase in VAT bills. As revenue increases…
Since the end of 2020 there has been huge popularity in staycations. A staycation can be a holiday which is taken in the same country that you live or simply…
A business loan is one of the most common forms of finance. It is a commercial agreement that offers excellent flexibility and can be deployed for a multitude of uses.…
It has been 3 incredibly successful years since the appointment of Ian Nash to the NGI family. Ian, who joined NGI in April 2021, has sole responsibility for the operation…
Business finance is diverse, it can be used to help fund the purchase of an asset, to fulfil growth plans, to release working capital, to free up money from unpaid…
Over the past few years there has been a surge in the music festival sector, and it is now seen as a vibrant element of the leisure and hospitality industry.…
Invoice finance enables an advance in cash against unpaid invoices. In essence, a factoring company will take ownership of a business’s sales ledger and act as a credit department by…
Asset finance is the number 1 choice for business finance. It is an agreement that enables a business to purchase an asset which helps with improving business efficiency, manufacturing more…
As many business owners are finalising their accounting for year end it is interesting to note how many forget about capital allowances. A capital allowance is a based on an…
Receivables finance enables a business to access cash immediately even though invoices remain unpaid. The unpaid invoice, also known as accounts receivable, is considered an asset and can be used…
Purchase order finance is typically used by businesses that operate a buying and selling model. It is very similar to
Stock finance has been designed to enable companies to secure business finance against their working capital or goods. In essence, a business that holds stock can extract its value and…
A letter of credit is a document that forms a relationship between a lender, a customer requiring funding and a supplier. When a letter of credit is issued it acts…
Asset finance is a form of business funding that enables the leasing of items such as machinery, equipment and vehicles. Rather than having to outright purchase, a business can pay…
There are certain times when a business will need finance and one of the conditions of the funding is that a Director will be required to offer a personal guarantee…
Chris Morris, Managing Director of NGI Finance, a specialist provider in business finance solutions, is delighted to share his thoughts and predictions on what he is expecting over the next…
The time between Christmas and New Year can be very important for a business owner, they are relaxed due to the holidays, have had a good break and are fully…
As we approach the end of another busy year, we are starting to prepare for some much-needed downtime to enjoy festive celebrations with family and friends. This always puts us…
Business finance can encompass a broad spectrum of funding solutions. It covers areas such as secured loans, unsecured loans, asset finance, invoice factoring, commercial mortgages and acquisition finance. All are…
We are very fortunate to be able to work across all industry sectors, offering a number of financial solutions that will appeal to any type of business. With year-end fast…
Did you know that asset finance is the ideal funding solution for facilitating business growth. Of course, the perfect situation for expansion is when a business has excellent cashflow and…
In our last blog post we wrote about the opportunity of being pre-approved for a £50K business loan. There are currently some excellent funding solutions available. The most important factor…
Did you know that there is £50,000 available in the form of an unsecured loan readily available for a business as and when they need it? Many businesses think that…
A business loan offers excellent benefits and flexibility for any company looking to fulfil growth plans, implement new initiatives or simply just to boost cashflow. There is a plethora of…
There has always been a preconception that it is difficult for sole traders to get business finance. However, this is really one of those business myths that we are happy…
Operating in the wholesale distribution industry can be demanding and a business can face challenges meeting customer demands, maintaining a healthy cash flow and most importantly managing stock. Ultimately, a…
Over recent years the Retail sector has had to become flexible in how it reaches its clients. Back in 2020 retail businesses had to quickly embrace change and move to…
A finance lender is a company or financial institution that provides a funding source for businesses. The provision of funds is done so on the agreement of a specific repayment…
There are several finance options for businesses that operate within the healthcare and medical sectors. Solutions include both secured and unsecured facilities with flexible repayment. Let’s explore some of the…
The phrase “cashflow is key” is relevant to every industry but it is vitally important within the construction sector. However, trying to navigate through and understanding the options available to…
The waste management sector is on the rise. With the Government focussed on implementing initiatives to develop a carbon neutral society, there is a huge commitment to increase recycling and…
Operating in the gym and leisure sector relies on fitness enthusiasts who are committed to visit on a regular basis; weekly as a minimum but daily as an optimum. However,…
As a business focussed on providing the very best customer experience, we know how important it is to continually meet and exceed the needs of our loyal client base. The…
Trying to secure business finance can be overwhelming. Times have changed and no longer is the first call to your business bank manager, instead it should be to a finance…
The Government have announced further plans to widen the ULEZ zone. The ULEZ (Ultra Low Emission Zone) is a specific area in the centre of London which is encouraging only…
There are many advantages to investing in a commercial property and ultimately it helps to secure the financial future of the business. Rarely will a company have enough free cash…
When a business is looking for some additional funding, it is important to take a structured approach to the application. You could be looking to refinance existing debts, boost cashflow,…
Trade finance is a transaction solution that enables businesses to buy and sell goods both nationally and internationally. It offers excellent risk protection to all parties involved. From a buying…
In June the
It is very easy to feel content and just settle for what you have. For example, when owning your own home there are certain utilities, such as electricity, television, telephone…
There are many terms used in the world of business finance, so here is our A-to-Z list to help you navigate your way: Asset Finance – a funding solution used…
The past 3 years have been incredibly turbulent for the business economy. When Covid first hit back in 2020 they were unprecedented times and nobody could have predicted the effect…
It is well known that two of the most challenging industries are the retail and hospitality sectors. Rarely do you find that one month is the same as the next…
A management buyout (or MBO in its abbreviated form) is an important step for a business when the existing owners or shareholders decide to release full control and ownership to…
Since the finalisation of Brexit, where the UK withdrew from the EU at 23:00 on 31st January 2020, many businesses have found it difficult to purchase specialist machinery from an…
The need for a business to continually monitor and review its financial position is incredibly important, especially in the current economic client where costs seem to change on a daily…
The Ultra Low Emission Zone or ULEZ is an initiative designed to help clean up the air in London. It runs 24 hours a day, 7 days a week with…
There are many facets to business growth, a key area often overlooked but which can yield very positive outcomes, is acquisition. By adopting this growth strategy, a business can increase…
In simple terms, asset finance provides the funding solution to enable the acquisition of a business asset or piece of equipment. Funding is secured on the asset and payments made…
Arguably the biggest question a business owner will face in relation to their commercial property is, “do I continue to rent, or do I invest and purchase my own property?”.…
When a business decides that they need some additional funding the biggest headache they can face is sourcing the best option. It can often be confusing and difficult to understand…
Keeping a healthy cashflow is a must for any successful business but often this can be difficult, especially when money is tied up in unpaid invoices. Unfortunately, one of the…
There are some simple steps that a business can take in order to put themselves in the very best position of securing funding. It is not just about demonstrating how…
Asset finance enables a business to secure lending for working capital, using the assets owned by the business as the security to enable the funding to be provided. A typical…
The definition of a performance or high-performance car comes from its ability to offer a superior level of speed, a luxurious drive, comfort for all journey distances and a thrill…
Craft distillery is a booming business sector, estimated to be worth in excess of £1.2 billion. It is therefore hardly surprising that so many businesses in this sector are looking…
Diversification is incredibly important for all types of business, no more so than for a dairy farm. People might think that the opportunity to grow a dairy farm through expansion…
Trying to fulfil business growth plans can be a challenge. Of course, there will be businesses that have strong cash reserves and excellent revenue streams resulting in them having the…
We all know first-hand how the cost of living has increased substantially in recent months and how this in turn has had an impact on the expenses that small businesses…
Statistics collected by the Government in 2022 show that the SME sector accounts for 99.9% of the business population. If we break this down there are 5.5 million private sector…
A new year always brings a positive mindset and a desire to make changes. On a personal level this could be a change in career, a change in lifestyle or…
Our offices are now closed and we will re-open at 9:30 am on Tuesday 3rd January 2023. We are now taking some time to enjoy the festivities and spend special…
A soft asset is essential to the fabric of any business, it enables a company to operate efficiently and safely. It could be a physical item; it could refer to…
Being able to understand your business finances and recognising when and how profit is made is vastly important. This is easily achieved by understanding financial jargon and reviewing monthly financial…
Maintaining a positive cashflow is crucial for any business for its ongoing success. Often one of the key barriers to this is delays by customers in paying their invoices. Being…
Arguably one of the best investments a growing business can make is in commercial property. Whether it is purchasing an existing building, investing in new or simply adding an extension,…
Commercial finance is a term that covers a multitude of business finance products which can include both short and long-term solutions. Here are some of the most common options available…
Businesses must adapt, whether it is to a change in supplier, a change in customer demographics, a change in manufacturing process or indeed a change in staff, the need to…
Since Covid-19 we have all experienced how vulnerable the economy has become, especially in the world of business. If we explore the small business sector, there are daily reports about…
Finance lease is becoming a highly popular funding solution for small businesses. It enables a business to fund a new asset, without purchasing or taking ownership of it. You set-up…
Business finance, including both asset and invoice finance, is a valuable resource for any small business. Let’s explore how this can have an impact on some of the most common…
Value added tax (VAT) is a charge that relates to the tax of goods or services. VAT is only charged when the business is registered for the scheme or their…
The UK sole trader sector consists of over
Acquisition finance is designed for the sole purpose of enabling one company to buy another. It provides the funds to enable growth by acquiring another business that fits in with…
When a business is in need of finance there are a plethora of choices. No longer do we have to rely on the traditional approach of contacting our local bank…
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