So, you need a critical piece of equipment to grow your business, but the price tag is making your bank account sweat. Don't worry, you're in good company. This is exactly why leasing business equipment can be such a powerful move, giving you access to the...
Invoice factoring rates in the UK vary dramatically between providers, with some businesses paying 3-5% while others face charges exceeding 8% of their invoice value. We at Silver Crest Finance see many companies struggle to find competitive rates because they...
Think of accounts payable and receivable as two sides of the same coin. One side is the money you owe (payable), and the other is the money customers owe you (receivable). Getting the balance right between paying your bills on time and getting paid promptly is the...
Managing your accounts payable and receivable is all about a delicate balancing act. On one hand, you have the money you owe suppliers; on the other, you have the money customers owe you. This isn't just about bookkeeping—it's the strategic core of your...
At its core, managing accounts payable and receivable is all about controlling the money moving in and out of your business. You’ve got what you owe your suppliers (accounts payable, or AP) and what your customers owe you (accounts receivable, or AR). Getting a handle...
Managing your money in and out—your accounts payable and receivable—is all about strategy.It's the a constant balancing act between the money you owe suppliers (payable) and the money customers owe you (receivable). Get this right, and you control your cash flow....
Controlling your accounts payable and receivable is all about managing the money flowing out to your suppliers and the cash coming in from your customers. Getting these two things right isn't just a "nice to have" accounting task—it's the single most...
Getting a business loan often boils down to one critical document: your proposal. This isn't just about filling out forms; it's about telling a convincing story that proves your business is a smart, safe bet for a lender. To get the green light, you have to...
Startups face a common challenge: outstanding invoices tie up cash while bills pile up. Invoice factoring offers a solution that turns unpaid invoices into immediate working capital. We at Silver Crest Finance see many growing businesses struggle with cash flow gaps...
If you’re running a small business, you know the feeling. One minute you’re celebrating a surge in sales, the next you’re scrambling because you’ve run out of your most popular item. That’s the inventory tightrope walk: have enough to meet demand, but not so much that...
When you're running a business, sometimes you need a quick injection of cash. That's where a short-term business loan comes in. Think of it less like a massive highway project and more like a temporary bridge—it’s designed to get you over a specific, immediate...
Traditional bank loans often fall short for growing businesses that need quick access to capital. Alternative small business lending has emerged as a powerful solution, offering faster approvals and more flexible terms than conventional financing. We at Silver Crest...
When you first start a business, it's easy to get swept up in the whirlwind of activity. But before you do anything else, there's one foundational move you absolutely must make: draw a clear, sharp line between your company's money and your personal funds....
Think of collateral as a security deposit for your loan. It’s a specific asset—like a piece of real estate or valuable equipment—that you pledge to the lender to guarantee you’ll pay them back. If you can't, they have a legal right to take that asset to cover...
Think of it this way: you’re essentially co-signing a loan, but for your own company. That’s the simplest way to understand a personal guarantee for a business loan. It's your legally binding promise to a lender that if the business can't pay its debts, you...
When a crisis hits, your first instinct might be panic. That's natural. But the absolute fastest way to get emergency funding for small business is to channel that energy into immediate, focused action. It starts with figuring out your exact cash shortfall,...
Small business cash flow lending provides immediate access to working capital when traditional bank loans fall short. Many businesses struggle with timing gaps between expenses and revenue collection. We at Silver Crest Finance understand that 82% of small businesses...
The real question when comparing recourse vs nonrecourse factoring boils down to one simple thing: who’s on the hook if your customer doesn't pay? With recourse factoring, that responsibility falls back on you. If an invoice goes unpaid, you have to buy it back...
Outfitting a restaurant is a massive expense. Those shiny new ovens, walk-in coolers, and state-of-the-art POS systems don't come cheap. Restaurant equipment financing is what lets you get all that gear without having to empty your bank account in one go. Instead...
Getting the money to buy or build a gas station isn't like financing your average retail shop. It’s a whole different ballgame. Lenders get nervous about things like fluctuating fuel prices and potential environmental headaches, so your loan application has to be...
