A Guide To Off Plan Property Investment

The concept of buying off-plan may seem like an impulsive idea for many property investors because of the nature of the investment. Many people find security in property investments because it is a tangible asset, however with off-plan property investment it is slightly different.

What is off-plan investment?

An off-plan property is the term used for developers and investors to refer to a property that is still under construction. Because the property hasn’t been built yet unlike traditional buy-to-lets, it is referred to as ‘off-plan’.

What type of investment is an off-plan property?

Off-plan is quite a broad term. It can refer to a student accommodation property, care home, residential or commercial property. You will find that when you search for property deals, many of them are off plan developments.

Why You Should Buy Off Plan Developments

off plan property investment

Are off-plan developments cheaper?

When you invest in a property off-plan you are buying it before completion. That means that you can get it at a better deal. The property would end up costing you more if you invested once it was built and operating, however because it is still in development you won’t need to think about over priced investments.

Does buying off-plan make sense?

Buying off-plan properties is safe and secure despite what many first-time investors think. In terms of making a better return on your investment, off-plan is the way to go. Now is the best time to invest in off-plan developments because the rates of property prices in the UK, particularly London has reached an all-time high.

According to City A.M., business and finance news reporters say that London house prices are at their weakest since 2008. They also stated in a previous article that London house prices will continue to rise by a third until 2019.

How to buy off-plan

There are many ways you can buy off plan. One of the best options is to go to a property broker to see what off-plan property deals they have to offer. You will find the best returns and lowest prices with most investments fully managed with a property broker company.

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Payroll Advice: Am I Eligible for Automatic Pension Enrolment

Royds Accountancy

Accountants in Eltham
43 Lovelace Green,
Eltham, London,
Phone: 020 3488 0529


The UK Automatic Pension Enrolment

Under the Pensions Act of 2008 in the UK, each employer in the UK has to include certain staff members and employees in a pension scheme. The employer also has to contribute towards the plan along with the employee.

It does not matter if you are a hairdresser, a barber, a solicitor or a manager, if you as an employer have just one worker, you must participate.

The purpose of this program is to involve more people in taking care of, and having assistance in setting more money back for their retirement. It was surmised that more and more people were not planning ahead for the eventuality that someday they would have to stop working and there would be nothing there in the way of retirement money.

So the UK Automatic Pension Enrolment was established, and by 2018, all employers and eligible workers must participate.

The minimum amount of money that the employer must contribute is at least 1% of wages, with the employee contributing as well. The employee’s portion of the contribution must be withheld from his or her pay and submitted by the employer as well. Payments are due by the 22nd of the following month, if the payroll is automatic, or by the 19th of the month if the payment is made by cheque.

Now workers can have a sense of security for the time when they will be unable to work due to their older age. There will be funds laid aside for the purpose of assisting them in their retirement years.

As an employer, the staging date set down by the law, is April 1 of 2012, and that was the date that the automatic pension enrolment rules went into effect. The employer must keep up-to-date records as to who is participating among his or her employees, their names, amounts contributed and the dates.


payroll london

Employers will receive their PAYE reference materials to learn of all the details of their responsibilities. They will each be given a PAYE reference number for identification, which can be used to address any questions or concerns with the regulators of the program.

If for some reason an employer fails to comply with the provisions of the law, then enforcement actions will be taken, and there can be penalties, and even court action taken.

The overall approach, however is to educate and assist employers in this process, as it is assumed that employers will want to do the correct thing in getting the scheme properly launched and in effect for their employees. Once the employers understand the process, it will be very easy to comply and to participate.

In order to make the process easier, there is a sophisticated on-line process for gaining information as well as enrolling, and maintaining an up-to-date operation of the scheme. The process is through the Government Gateway department and everything is laid out and explained on the website.

There are extensive explanations and help guides online so that there should be no problems in respect to understanding and being able implement the program. As far as payroll London is concerned, your employer should know how auto enrolment affects payroll and employee wages.


Building A House in Greater Manchester

A. Oxley & Son Building Contractors Ltd

Builders in Manchester
112 Urmston Lane
Stretford, Manchester,
M32 9LN
Phone: 0161 635 2016


Building a house on a spending budget involves understanding time is related to money. The longer time you spend shopping, and the longer of the work you may do yourself, the less it’ll cost. The longer the more of the work you might do yourself, the less it’ll cost, and you spend shopping. A lot of people conserve money on housing. Generally the time hired employees spend working on your house, the more it’ll cost. There are various alternatives open to the funds minded, which cut prices based on these fundamentals. Kits and shells are the way without risking any tragedy due to inexperience, for constructing a house on a spending budget.

It is important to do your homework on shells and the kits offered by budget builders. Simply because you are currently saving money, is no reason to compromise on quality roofing, floor joists, wall studs, rafters or bases. Make sure shell or get an excellent kit, with materials to get the job done. Unless of course you experienced it is best to shell dealer to construct your house they provide a service or permit the kit. With a casing kit, you for hiring contractors to construct a base and do the plumbing, responsible. Occasionally drywall or other interior wall finish would be included, but other kits don’t provide this.

general builders manchester

After the house is complete on the outside, the owners can hang the drywall, install stock cabinetry, put in the flooring, and paint the interior themselves. Be sure you know precisely what each kit you’re comparing includes. It might be that one kit might cost more because it comprises something the others don’t. It requires a bit of mathematics to know which kit is in fact cheaper, and a bit of knowledge to know which kit isn’t desirable at any price because of low quality. One way to get a casing is to simply ask your own local home builder to complete the casing.

Another is to find a casing or kit seller who installs the casing or kit on your lot. Occasionally kits are simply dropped off on your own lot, and after that you’re accountable for getting it assembled, before it gets water damage. Some shells are stick built, others are prefabricated in panels. Log kits frequently include cut trunks ready to put together as a very heavy erector set.

Get in touch with general builders Manchester to get more information on building a new home or getting your current home renovated and extended.

Valuable Accounting Advice To Help With Starting A New Company In Essex

C&C Accountancy and Taxation Services
Accountants in Essex
88 North Street,
Hornchurch, Essex
RM11 1SR
Phone: 01708 471442

Setting Up A New Company

If you’re trying to work with starting a brand-new business, you’re going to have to get some fantastic suggestions about it. This post was assembled to help you with this. Take a minute to browse this short article and to get the fantastic details you should know.

If you can, get publications on starting a payroll company in Essex from a local books and magazine establishment or online. Usually you will certainly find that there are lots of publications on beginning a firm, you just need to make sure you take your time to get guides you need for a cost that matches your necessities. Attempt looking online for utilized books, yet ensure you know the disorder just before you have them shipped to you. By doing this, you’ll know that it isn’t really written in or has other issues that would make it tough to review all of it.

There are so many sites out there that you’re expected to find one that has information on it that will certainly aid you to begin your company the appropriate method. Merely load up your preferred search engine and attempt entering in something like starting a brand-new company for newbies.

The moment you’ve read through the content over, it shouldn’t be challenging for you to obtain begun on starting a brand-new firm. The trick is to use these great ideas to your benefit. As soon as you do you’ll be happy with what the results look like.

If you’re trying to work on starting a new company, you’re going to require to get some great suggestions about it. Get books and magazines on starting a new firm from a local books and magazine shop or online if you can. As soon as you’ve reviewed with the text over, it shouldn’t be hard for you to obtain started on beginning a new business.

Using Microsoft CRM

Microsoft, as it is so good at doing, has captured the largest slice of the pie of a certain technology market segment known as the CRM technology market. At least for now.

Microsoft offers more than just one CRM technology program. So. What to do, what to do? Well, the place to start is with knowing just what Microsoft CRM technology is meant to be used for.

To begin with, CRM is all about the client. There are those companies who learn that Microsoft has a hot new technological tool and go ahead and purchase and install the MS CRM stuff on all of their computers and then forget what it’s all about, if they even knew in the first place. Elaborate investments in IT software are not getting to the heart of the CRM matter, which is all about customer service and customer retention. CRM is about giving customers the easiest, most personable, and most convenient contact experience with a business that they can possibly hope for. Oh, and yes, it’s also all about getting referrals. From customers.

MS CRM technology allows you to provide on-demand customer and prospect relations. That is, this software comes with support, and is able to be learned and mastered by those who really need to use it, not just your IT department. In fact, with Microsoft’s CRM technology, you really don’t need an IT department (at least, you don’t need one for guiding your CRM program!).

Keep in mind that CRM is more than software. CRM is a set of marketing and customer service principles that began to be developed nearly 20 years before Microsoft’s CRM software technology was ever developed. The technology is only a way of streamlining the principles that should already be in place in your business practice. It is a process of constant learning. You as a business learn from your clients and grow accordingly. CRM technology gets you closer to your clients. The closer you get, the better. CRM methods and software are tools by which you can analyze and learn from the data you glean from you clients. You need to know what CRM technologies are to be used for and how to use them before they can become an effective and integral part of your business.

If understood rightly, Microsoft’s CRM software is something that will be very helpful to your business. In fact, Microsoft’s CRM data can be accessed via Blackberry and that type of device. Just keep the clients in mind at all times when using this technology.

Professional Home Organiser


Your home can be hectic. You may accumulate mess and belongings can be harder to handle, especially if you have a busy life or do not regularly declutter your home. It may even get to the point where there is so much mess that you don’t know where to start or put it all.

What is clutter?

Clutter can range from files to furniture. It is anything that you are keeping around your house that doesn’t add any value to your life. Decluttering will solve this, because it is all about making more room for the things that matter in your home.

home organiser

When can clutter be a problem?

Clutter becomes a problem when it can’t be controlled. For a lot of people, clutter can be exhausting to look through and takes energy out of you when you are searching for something. It can waste inordinate amounts of time when you are looking for things that you can’t find. In more extreme cases, people may suffer from an illness such as obesity or depression and life of consumption extends beyond ‘stuff’. In situations with hoarders, a home full of clutter can cause complications such as fire hazards, tripping hazards and other health and safety problems, especially when mold and dust are present from neglected organisation. However, extreme cases are not very common and many people experience problems with clutter but do not develop an attachment to their mess.

Why you should declutter your home

There are many people who enjoy decluttering and organising because it relieves stress by giving the person a sense of control and accomplishment. It is also something to do when there is nothing else to do. For other people, getting rid of old junk makes a little extra space in their home that wasn’t being used in an effective way before. Some people just feel the need to purge before moving house. Whatever the reason, decluttering will always have more benefits than disadvantages. A professional home organiser can help you get through the process, so you don’t have to deal with the stress and complications on your own.

What Happens if you Die Without A Will?

Estate Planning Attorneys
16 Sheppard Drive
Phone: 01245 460383


When you die without having a will, it means you died intestate. In such an occurrence, the state law is the one to decide how the property you left behind will be distributed. The property to be distributed includes your securities, bank accounts, real estates and other assets that were under your name during the time of your death. In some community property states, your community property will be given to your spouse or domestic partner. Any other property that you may have owned in a joint tenancy will automatically be given to your joint partner. Any property you owned in trust will go to the beneficiaries, but this is subject to your spouse’s share. However, any property that is under your name alone will be given to the persons named in the laws of your state.

Every state has it’s own regulation concerning how intestacy should work. However, the law will distribute your property based on the following guidelines:

>If you had a family (spouse and kids), your property will be divided among them
> If you had a spouse or domestic partner and parents/ siblings, but did not have any children, depending on the state you come from, all your property will be given to your spouse. But in other states, your parents and siblings will be included in the share.
> If you had children but didn’t have a spouse, then the property will be shared among your children
> It you didn’t have either a spouse or children, in some states, your parents will get your property whereas in others, your sibling will also get a share.
> If you didn’t have spouse, kids or parents, your property will be shared among your siblings.
> If you didn’t have any of the above that is kids, spouse, parents or siblings, then your property will be given to your other relatives including your grandparents or aunts and uncles. If they are not available either, then your property will go to your nephews and nieces.
> If you did not have any family or relatives, your property will become the property of the state where you resided.

write a willRemember all these rules only apply to married and civil partners and your other known close relations can inherit your property under intestacy rules. If maybe you had a will, but the state laws considers it to be legally invalid, intestacy rules will come in and decide how your property should be divided out, but not the according to the wishes you had expressed in your will.

Care for Denture Implants London

Dentist in Chelsea, London
273 Old Brompton Rd,
Phone: 0800 368 8448


Dentures need to be taken care of just like your natural teeth otherwise they will not last as long as they should. If you wear partial or full dentures, you should look after them and have a cleaning routine to avoid bacteria from collecting and causing infections, abscesses and bad breath.

Dentures are made of acrylic, which means that they have tiny pores on the surface. This porous material can harbour unwanted bacteria and overtime damage the dentures. For this reason, you should speak to your dentist in London for information on how to properly care for your denture implants London.

Implant dentures London are used in cases where the patient doesn’t have enough support from their natural teeth to hold the dentures in place securely. A dental implant (a titanium screw) is fitted into specific areas in the jawbone to hold the dentures when they click into place.

How to Look After Your Dentures

Brush and rinse – Dentures should be cleaned by gently brushing to remove bacteria in the crevices. Brushing can prevent permanent stains from developing and removes food and plaque that have built up during the day. You should avoid using toothpaste to clean your dentures, because the paste is abrasive and can create microscopic scratches on your new dentures, wearing them down quicker. In between meals you should rinse the dentures and gently brush, making sure to avoid bending or damaging the plastic attachments.

Handle with care – When you are handling your dentures, you should take extra care because they are delicate and can snap or break if too much force is being put on them. Try to avoid dropping them when cleaning or removing and instead have a towel or sink of water below you to reduce the impact if they do fall.

Soaking – When you are cleaning your dentures, you should use a denture cleaner to soak your dentures. Dentures should be kept moist when they are not being worn, otherwise they will dry out and lose their shape. When you aren’t wearing them, place them in a fresh solution of denture cleaner or water. Don’t wear your dentures when you are sleeping.

denture implants london

Keep your mouth clean – Even with dentures, your mouth still needs to be kept clean. If you have partial dentures, follow the general routine of brushing your teeth twice a day, flossing and using mouthwash. You should also keep your tongue clean so bacteria and bad breath don’t become an issue. Full denture wearers should also clean their gums and tongue with a soft toothbrush.

Consult your dentist – If you have any issues with your denture implants London, visit your dentist to get professional advice. Sometimes, dentures can change shape and irritate your mouth and gums. In these situations, you should visit your dentist in London to get a replacement pair fitted.

Chelsea Dental Spa provides denture treatments to those who are searching for a tooth loss solution. They give you the confidence to smile, talk and eat healthily and happily.

You Can Sell Your Car For Free Online

Sell Your Car to m3commercials
Quatro House,
Frimely Road,
GU16 7ER
Phone: 01276 28001


Tips To Sell Your Car Free

When you want to be sure that you are able to get rid of your vehicle on your own terms, there are a number of guidelines to keep in mind to help sell your car for free. These tips below will allow you to sell your vehicle for free and will let you take in more of the profit. Getting rid of a vehicle can be a bit difficult in this day and age depending on the avenues you go down. However, if you follow these tips below, you will have the help and service that you need in order to sell your vehicle.

#1: Be Sure That Your Car Is In Great Condition

In order to list your vehicle with no problems, you should first and foremost be sure that it is in great condition. The condition and quality of your vehicle will expedite the process of selling it and will make sure that you are able to get a great price for it. When your vehicle is in the best condition possible, you will be in the driver’s seat when trying to get rid of it on your own terms. When in doubt, touch base with an auto repair professional who can also provide you with the inspection to keep your mind at ease.

#2: Find A Number Of Sites That Allow You To List For Free

Thankfully, we live in the Internet and mobile age and there are a number of free sites and apps that you can use to list your vehicle. Be sure that you register for these sites and don’t be afraid to use more than one. The more sites that you post to, the more exposure you will get and the better opportunity you will have to sell your car for free.

sell your car for free

#3: Park Your Vehicle In High Traffic Areas

You can always go the old-fashioned route and park your vehicle in high traffic areas. One way to go about this is to park in a shopping center or by a mall. This way, a great number of people will travel throughout the parking lot and use the contact information that you have posted on it. This gives people the chance to check the vehicle out in a pressure free situation and lets you receive phone calls or emails effortlessly.

So follow these tips and you will be able to sell your vehicle free and efficiently.

So what are you waiting for? This is what you need, touch base with some professionals who can assist you in this regard and look for some websites that will allow you to sell your vehicles. These listings will be exactly what you need in order to get some attention on your vehicle in order to find a car buyer who can look out for you. This will be excellent whether you are looking to find someone who can finance the vehicle or someone who can pay for it cash and traveling today. These tips will allow you to take your car selling experience to the next level.

Why Use A Business Coach?

Do You Need A Business Coach?

Along these lines, you made the jump from being an employee to owning a business. Congrats, you’ve recently entered the positions of turning into a forthcoming entrepreneurial failure or a close term startup achievement.

Obviously, the inquiry turns out to be how would you stay alive as a newly discovered business proprietor? All things considered, being a subject master in a specific occupation is one thing, being a generalist for an industry (a hierarchical pioneer) is something else totally.

There comes a point where stagnation sets in. You can take yourself just so far without the assistance of others. Hey, it happens. Think of it as a major aspect of the startup lifecycle.

Enter the business coach. There isn’t whatever else that you get 100 percent devoted thoughtfulness regarding you. A business coach is some individual who assists you with moving from where you are to where you need to be, and does as such by exclusively concentrating on your objectives. So, why use a business coach like RBSS Business Consulting?

To conceptualize splendor. There’s a typical saying that goes, “no one is quick witted than every one of us.” as it were, the aggregate force of many is far better than the single force of one, which addresses the worth a coach gets conceptualizing new thoughts. Then again, doing as such is both a craftsmanship and a science.

Anyone can go online and discover conceptualizing programs for nothing with the objective to create virtuoso – that is the science part. The “craftsmanship” part, in any case, is exhuming individual qualities and convictions that you never knew existed and connecting them to your wishes and aims. In some cases it takes another point of view to see an existing association.

To ricochet thoughts. No place else do you discover someone singularly devoted to going about as your very own sounding board. A coach – well, a great coach – pushes out all contemplations from his or her own brain to be available and simply tune in. Doing as such permits the coach to ask effective inquiries that uncovers profoundly established values generally immovably planted.

The best part about this is the amount of judgment that the coach offers: zero. Dissimilar to the nearby talk plant in your neighborhood or office, it’s not a coach’s obligation to opine about your position, yet rather to suspend judgment in a manner that aides you toward your own particular objectives.

To be responsible. Is it safe to say that it isn’t weird that it is so natural to break the guarantees we make to ourselves, yet less so when we include other individuals? A coach serves as a responsibility accomplice who moves you to strategize and build up your objectives while adjusting your endeavors toward accomplishing them.

The key metric for accomplishment from coaching isn’t so much the cool specialized instruments you learn – those will get to be outdated in around year and a half. The benefit of coaching dwells in the mental devices the coachee discovers that help him or her explore toward achievement both inside and outside of the business world. That solves the question why use a business coach.

Each competitor and each top entertainer uses a coach to draw out their best. Why not you?

Innovators Who Transformed Your Morning Breakfast Routine

When you wake up and start your morning breakfast routine tomorrow, give some thought to the people who transformed the way you prepare your food and drink before you head out to face the day.

Without these business people and the companies they were involved with we’d be preparing breakfast in a less-convenient way each morning.

Here are their accomplishments:

The Pop-Up Toaster

While other toasters received patents beforehand, Charles P. Strite invented his version – a pop-up one – in 1919. He applied for a patent that year and received it in October of 1921. In that same year, he started the Waters Genter Company to manufacture this new gadget. This toaster had springs put into it and a variable timer. In 1926, Waters Genter Co. marketed the first household toaster to brown bread on both sides at once. Marketed under the Toastmaster name, the heating element was set on a timer and automatically ejected the toast when done. Charles Strite’s Toastmaster pop-up toaster was now available for the public. The Edison Company later took over Waters Genter Co. The pop-up toaster exists today because of a man and a company that invested money and time to make it happen.

The Microwave Oven

Percy L. Spencer worked for the Raytheon Company and invented the High Efficiency Magnetron. The magnetron is the power tube that drives a radar set. He developed a simpler version of the magnetron suitable for mass production. He saw the benefit the magnetron could have in food cooking after he walked by the device one day in the Raytheon lab and noticed chocolate he had in his pocket melted. He tested un-popped popping corn kernels in front of the magnetron, and lo and behold, they popped.

This got Spencer and Raytheon thinking. He and the company
innovated, experimented, and while curiosity may kill the cat, it enlivened them to labor and come up with the first microwave oven. It took many years before a version suitable for home use became available. The first larger and heavier versions were for institutional cooking.
Percy L. Spencer eventually became Vice President and a member of the Board of Directors of Raytheon.

Automatic Drip-Brew Coffee Maker

Bunn-O-Matic Corporation introduced the very first automatic drip-brew coffeemaker, a commercial version for restaurants, and the like, in 1963. Prior to that food service businesses relied on percolators. This commercial model now seen in restaurants was the model X. It was Bunn’s first pourover coffee brewer. This coffeemaker was the basis for Bunn’s success as a company. George Bunn was its founder.

The first convenient and affordable automatic drip coffeemaker for home use was introduced by Mr. Coffee in 1972. This was a result of the efforts of North American Systems, Inc. founder Vincent Marotta, Sr. and his business partner Samuel Glazer.

Bunn also introduced a home drip coffee brewer that year, being a commercial quality automatic drip coffeemaker.

Breakfast just seems a whole lot easier, as do a host of other times for eating and drinking because of these creative business minds.

Williams-Sonoma Road To Success

California Dreamin’

In 1956, one man had a dream and acted upon it decisively. That man was Charles E. “Chuck” Williams, the founder of what we know today as specialty retailer Williams-Sonoma Inc. Back then Chuck Williams dream was to convert the hardware store he purchased in downtown Sonoma, California into a store devoted to French cookware. He did exactly that. An entrepreneur at heart he took the risks necessary to realize a dream and forged ahead.

By 1958, his hardware store was now selling cookware and culinary utensils. With his annual trips to France, Chuck Williams became interested in classic top-quality French cooking equipment. He introduced a collection of this French cookware to the U.S. market through his store, eventually moving the store to San Francisco in

1958. Williams-Sonoma’s first store became the first retailer in the U.S. to carry a collection of this fine French cookware. The second Williams-Sonoma store opened in 1973, in Beverly Hills, California.

Today, the city of San Francisco is still corporate headquarters for this publicly traded company. Williams-Sonoma sells their quality line of products through their retail stores, catalogs, and the internet. They have almost 600 stores, seven mail order catalogs, and six ecommerce websites. They own and operate all their stores, choosing not to go the franchise route at all.

The company operates six retail brands, which cater to providing items for the home. Their six separate brands are Williams-Sonoma, Pottery Barn, Pottery Barn Kids, PB Teen, Williams-Sonoma Home, and West Elm.

Williams-Sonoma Inc. sells casual home furnishings through their Pottery Barns. They sell cooking and entertaining products under Williams-Sonoma, and stylish children’s furnishings through Pottery Barn Kids.

Chuck Williams has personally been involved in publishing more then 200 Williams-Sonoma cookbooks as the General Editor for the company’s Williams-Sonoma Kitchen Library series. The Williams-Sonoma stores are well-known for their fine selection of quality cookbooks.

In 2007, Mr. Williams, Founder and Director Emeritus, and the current Chairman of the Board and Chief Executive Officer of Williams-Sonoma Inc. Howard Lester, received the Inc. Magazine Bernard A. Goldhirsh Lifetime Achievement Award.

Chuck Williams exemplified what it meant to take a risk back in 1956. He is an inspiration to entrepreneurs who choose to risk today, in hopes of greater rewards.

London Business Growth Fund

We’ve teamed up with oneLondon specifically to help new businesses that have been turned down by recognised mainstream lenders.

To benefit from the London Business Growth Fund you must already be running a sound business, plans to expand and need funding.

Terms and conditions:

Borrow up to £20,000
Loan repayable in up to 5 years by Direct Debit
Interest rate fixed for the first three years fixed at 9.68%
At the start of year 4, interest rate is adjusted and fixed at the then applicable rate, paybale for the remainder of the term.
An arrangement fee, maximum 0.75%, minimum £75 may be charged
Loans are unsecured
Directors’ guarantees required for limited companies
Open to companies located anywhere in London
Match funding may be required
So how do I apply?

Step 1. Contact Business London
investment growthWe’ll put you in touch with your local Enterprise Support Organisation who will allocate you a business adviser and sign you up to “Up & Running” – the coaching and mentoring programme for entrepreneurs in their early trading years.

Your adviser will help you prepare your business plan if you haven’t already done so and recommend you for either the Start Up or Growth Fund loan.

Step 2. Download an application form and read the full terms and conditions

Step 3. Complete and return your application form
Your completed form should be supported by a comprehensive business plan, a recommendation from your allocated business adviser plus photographic ID and a utility bill. You’ll also need to prove that you’ve been refused finance by a recognised mainstream lender – e.g. a bank or loan company.

Growth Fund applications should also include trading accounts, certified for at least 12 months.

Step 4. Meet oneLondon
Within 2 weeks you’ll be advised by letter whether your application meets loan criteria requirements or not. If successful you’ll be invited to meet the oneLondon Lending Committee who will make a final decision on your application.

International Trade

Everyone wants new customers and for their business to grow. But if that means expanding into new international markets, the prospect can be a daunting one.

How can you minimise the risks? How do you navigate your way through all the red tape? And how do you find the time and money to investigate overseas markets, while still running your business? That’s where we can help.

We have a dedicated team of experts with real life experience in many industry sectors and international markets. So whether we’re assessing your export potential or advising on export to specific regions, all the help you need is here.

Export Briefings

Commercial staff from the British Embassies, Consulates and High Commissions around the world make regular visits to the UK to brief British companies on the latest developments in their relevant markets and sectors.

These officers are employed by the British government to facilitate trade and two-way investment and are made up of British nationals and locally engaged citizens. The latter are recruited for their private sector knowledge and experience. Officers provide information, advice and assistance to small and medium sized exporters by:

  • informing them about the market and its potential
  • advising on local trading practices and difficulties
  • encouraging suitable new exporters to enter the market
  • resolving any specific problems of individual exporters

Neat Concepts Ltd
Case Studies

Neat Concepts Ltd is a unique business, manufacturing bendy MDF and other panel products at the best quality and the lowest achievable cost in the world. When the business was started in 1995 they were the only manufacturer of this type of product in the UK.

In 1998 the company’s chairman Philip Brading, decided despite strong competition from two German companies thatbusiness he would expand into Europe. After successfully exporting to some of the European Markets he needed help with researching the remaining target markets. So he contacted Business Link who directed him to Trade Partners UK and their specialised ‘Export’ programmes.

With the help and advice of Geoff Bird, a Business Link expert in Export trade, Philip decided to take advantage of a ‘Export Explorer’ trip to Portugal. Expert market research was provided for the company by the Embassy was able to provide a network of contacts for Philip to approach. Successful negotiations lead to Philip appointing Viacaima, the biggest building products distributor in Portugal, to become Neat Concepts Ltd’s soul distributor in the country– a huge coup for the company!

After various successes in other European export countries Philip decided that it was time to test the USA market. He again contacted Geoff Bird for assistance who recommended that he take part in the Export USA programme.‘Export USA’ has three major elements to make up this concise and successful initiative. The business is provided with a detailed market overview by the commercial section of the US Embassy, a three day marketing course is provided which is specifically tailored to help the business understand American marketing concepts, and they are also provided with the advice and support of a coach and mentor in the shape of the appointed Business Adviser.

With the help of Trade Partners UK and Business Link, Neat Concepts Ltd now has 13 distributors of their product on the East Coast. Philip is still concentrating on increasing his market share all over America and is currently in the second stage of preparing detailed market research to help him develop and ‘grow especially on the West Coast’.

Neat Concepts Ltd now export to France, Spain, Portugal, Belgium, The Netherlands, Italy, Denmark, Norway, Sweden, Finland, Ireland and the USA. This successful exporting resume has been built over the last three years. Philip is now looking forward to working with Business Link and Trade Partners UK to develop links with China, Japan, Poland and Canada. Watch this space……!

How to groom your business for sale

Top Tips

1. Start the planning and preparation a few years before you intend to sell. This will help you sell up quickly when the time is right.

2. Look for any aspects of the business that prospective buyers may see as negatives and try to improve these areas. For example, expand your customer base to ensure the business is not over-reliant on a few big customers.

3. Aim to increase the company’s profitability year-on-year. Sell up when profit is still likely in the years ahead — if your business is stagnant, it will either be impossible to sell or you won’t reap the rewards you hoped for.

4. As the time to sell up approaches concentrate on short-term results — avoid taking on extra staff or spending lots of money on advertising.

5. Make sure the company accounts are in order, up to date and give a true picture of the business. Aim to show a stable financial pattern throughout the year delaying or bringing forward purchases if necessary.

6. Sell off under-used property or equipment. Improve your working-capital position with good stock control and tighter credit control.

7. Present the businesses assets in the best possible light. Make sure equipment and buildings are well maintained.

8. Try to look at the company as an outsider and aim to rectify anything that looks risky. For example, turn informal deals with suppliers into formal business contracts.

9. Establish incentive schemes to encourage key employees to stay with the business. Aim to get all staff on long-term contracts so the buyer knows they will already have a ready-made and knowledgeable team.

10. Do a final check for any loose ends that might deter a prospective buyer. For example, if the lease on your business premises is due to expire, check the landlord is happy to renew it.

Making Use of CRM Management Software

Providers of CRM management software understand the needs of each business. This is why they have tailored their products so that they can easily be integrated with other technologies and give small businesses the services that can grow it. Days when CRM used to belong to the large enterprises are long gone. Technology has made the cost of the software to come down, is no longer complex and is easy to deploy and use.

CRM management software is affordable accessible and easier to use. This is why businesses find the tool to be of great use in their day to day activities. Currently, the providers are focusing on availing customer relationship management packages designed for both small and mid-size ventures.

It should be noted that every business requires some form of customer relationship software that can increase the efficiency of the business in service provision. CRM is ideal for helping the business to manage and maintain the customer’s records. It is capable of the following functions:

  • Tracking and managing the customer contacts
  • Can be specific to a customer or a company project
  • Is often data based

Despite the many uses you can deploy the CRM software to; there are a few pitfalls you need to check out.CRM management software

Deploying the software without real users will be useless to the business. Thus, you need to engage someone who can maximize the benefits that can accrue from using the software.

  • Each user must have his own software this is to avoid instances of the data being spotty.
  • It may need time and money to appropriately ensure the quality of data.
  • Integrating the CRM software into your system may not be as easy as it is said. In fact it may require spending of more resources.

Thus, before you choose the CRM software to deploy in your business, it is vital to consider the following:

API – ensure that your CRM has an Application Program Interface that allows your CRM to link with other systems so that you can eliminate the need enter the same information in the system more than once.

Multiple contact information – Your CRM software should allow you to access and organize person’s information by name. This is what will make it easy for you to view all the interactions taking place with a particular client.

The Dashboard – A good CRM software should provide a summary of sales opportunities that are available to the company . It should also provide information on the employees working on the opportunities so that the company can utilize them.