Monthly Archives June 2023

The brewing industry has experienced significant growth and intense competition in recent years. Craft breweries have thrived, capturing consumers' hearts and taste buds worldwide. However, with this growth, financial challenges have emerged, leading to an unfortunate rise in brewery insolvencies. As a brewery owner or investor, it is crucial to understand the complexities of insolvencies and seek expert guidance. In this blog, we'll explore the reasons behind brewery insolvencies and why partnering with a financial advisor can be the key to securing your business's financial future.
Read More

Fintech, the fusion of finance and technology, is revolutionising the financial landscape. Within this field, several sub-domains are emerging as game-changers. In this blog, we will explore what Fintech is all about and delve into noteworthy sub-domains that will significantly impact moving forward
Read More

Financial hardships can be overwhelming, and losing your assets to repossession can be distressing. However, it's important to remember that repossession is not an inevitable outcome. You can take various steps to protect your possessions and prevent bailiffs from attending. This blog post aims to provide you with essential tips and guidance on avoiding repossession and dealing with bailiffs effectively.
Read More

In today's ever-changing global landscape, economies undergo fluctuations that can significantly impact businesses and industries. One such economic phase is a contracting economy, characterised by a decline in economic activity and a slowdown in growth. This blog will explore what a contracting economy entails and how it affects businesses.
Read More

Time and time again, I have come across contracts covered for some part of late payment, but nothing in the contracts ties them into indemnification if something goes wrong. Indemnification covers many forms, such as IPR, GDPR, and payment. An indemnity doctrine should be part and parcel of your contract as it protects the party drafting it and any services/goods it wants to sell. In the past ten years that I have been drafting service-level agreements and contracts for my clients, I have also pointed out that having this clause in there is important, as it acts as an insurance
Read More

Whilst working for some corporates back in the noughties, I was privileged to have worked with debentures. A Debenture is an instrument that a lender secures onto a company to which they have lent money. It is a written agreement detailed in documents lodged at Companies House. The term floating is usually a form of security that takes hold as it will work according to the changing type of the company inventory, such as its stock which changes on a day-to-day range.
Read More

In corporate departments, I have noticed that when a Salesperson makes a sale, they get their commission and move on. While working in Recoveries, only 10% of the Sales/Operations Teams I have worked with have kept tight information about their deals/candidates/loans.
Read More

Most individuals are stuck on this question. They think it's a simple task of going forward and obtaining a County Court Judgement and that they have reached the end of that road.
Read More

There are different types of credit risk, but my experience stems from retail banking, specifically for automotive finance and mortgage companies. After all, in my early days, I used to repossess cars and houses.
Read More