Why get a short-term business loan?

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Short-term business loans can be an appropriate solution for businesses in need of a quick cash injection, whether for refurbishments, new stock, cash flow or investment in new plans for growth. All businesses want to invest, grow and evolve, and accessing short-term business loans or another type of business finance can make this happen.

How do I apply for a short-term business loan?

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Email us at info@smarterbusiness.co.uk or call 01444 220060 and we will get straight back to you.

Would a short-term business loan suit my organisation?

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A short-term business loan is suited to companies who need a quick cash injection, with flexible terms, for any business use.

How are short-term business loans priced and paid?

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Although most loans are priced using an annual percentage rate (APR) calculated over a fixed loan term, some short-term loans have no APR since repayments are based on a risk-adjusted flat rate. There are also no penalties for paying the loan ahead of time.

What is a short-term business loan?

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Short-term business finance is a credit facility designed to be repaid in one to two years. Due to the shorter loan terms, this type of financing is often more flexible and easier to attain, since the complications of conventional loans are stripped away.

Who can benefit from water deregulation?

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As of April 1st 2017, the water market was opened to all businesses, allowing them to choose their own water supplier.

What is P272?

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To quote OFGEM, the industry regulator: “The electricity settlement process set out in the Balancing and Settlement Code (BSC) places incentives on suppliers to buy energy to meet their customers’ demand”  and  “Suppliers have a licence obligation to supply larger non-domestic customers in Profile Classes 5-8 through an advanced meter that can record half-hourly consumption. BSC Modification Proposal 272 would require that these consumers are settled using their half-hourly data.”.

Find out more about P272

How is my energy bill broken down?

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Your energy bills will differ between suppliers but ultimately they’re all similar and contain the same information. If you are struggling to understand your energy bill, download our Understand Your Energy Bill document where we have shown a sample bill and described all the key elements.

How far in advance of my energy contract renewal can I get prices?

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You can be placed into a new contract 120 days before then end of your current one. Bearing in mind that it can take 28 days to process and as such it is not advisable to leave it until the last minute.

What is a ‘verbal energy contract’?

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Verbal energy contracts are not memorialised in writing. Instead, they are recorded on our system and they can be made freely available at your request.