Why get a short-term business loan?

View the answer » Q

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?

View the answer » Q

Email us at info@smarterbusiness.co.uk or call 01444 220060 and we will get straight back to you with an instant, no-obligation quote.

Would a short-term business loan suit my organisation?

View the answer » Q

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?

View the answer » Q

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?

View the answer » Q

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.

What savings can be made with water deregulation?

View the answer » Q

Our research shows that the current standard tariff from the most expensive provider to the cheapest supplier is different by 57%. To see what savings you can make on your water bills, email a copy of your current water bill to water@smarterbusiness.co.uk.

Who can benefit from water deregulation?

View the answer » Q

Currently only larger businesses (using more than 5 mega litres) in England have a choice in their water supplier. However, as of April 1st 2017, the water market is set to open to all businesses, allowing them to choose their own water supplier.

When is England’s water supply set to be deregulated?

View the answer » Q

The water market for non-domestic users in England will be deregulated on 1st April 2017, giving businesses the opportunity to reduce costs on their water bills.

When must P272 be implemented?

View the answer » Q

The P272 proposal that has been approved by OFGEM requires these changes to be in place by April 2017 for class 05~08 meters. These are non-domestic energy consumers and the class number depends on the peak load factor.

Find out more about P272

What is P272?

View the answer » Q

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