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Asset Finance

The Hidden Costs of Saying No to Finance: Are You Missing Out?

Imagine a scenario where your business is operating smoothly, your bills have been settled, and you have a devoted customer base. You’ve built it all without borrowing a penny, and that feels like a win. But consider this: Are you squandering money by neglecting finance? At Rosewood Finance, we’ve helped countless businesses unlock their potential […]

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Merchant Finance

The Future of Merchant Cash Advances in the Fintech Era

Merchant cash advances (MCAs) have long been a lifeline for small and medium-sized enterprises (SMEs, as they are known in the UK) facing cash flow challenges. Traditionally, these advances provided a quick infusion of funds by purchasing a percentage of future credit and debit card sales. However, as fintech innovations continue to reshape the financial […]

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Construction Finance

Managing Financial Risks in Construction Projects

Construction projects are inherently complex and subject to a range of financial risks. From unexpected cost overruns to delays that can impact cash flow, managing these risks is essential to ensuring a project’s success. In this blog post, we explore the common financial challenges in construction and outline effective strategies to manage them, while also […]

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Asset Finance

Restaurant equipment leasing vs. buying: which is best for your business?

Running a successful restaurant requires more than just good food; it also relies on the right equipment to keep your kitchen running smoothly. From ovens and refrigerators to specialised cooking appliances, high-quality equipment plays a critical role in delivering a top-notch dining experience. However, deciding whether to lease or buy your equipment can be challenging. […]

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Merchant Finance

Which Sectors Typically Require a Merchant Cash Advance?

Merchant Cash Advances (MCAs) have become a vital financing option for various industries, especially those with consistent credit and debit card sales. By providing quick access to capital and flexible repayment terms, MCAs help businesses manage cash flow, invest in growth opportunities, and navigate seasonal fluctuations. Here are six industries that significantly benefit from merchant […]

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Business Loans Commercial Finance

Spotting the Signs That You May Need Financial Help

Many small businesses leverage financing to manage cash flow, acquire essential equipment, or fuel growth. While avoiding debt may seem prudent, it can sometimes hinder your business’s potential. Here are five indicators that your business might benefit from financing: Cash reserves are dwindling – Generally speaking, you should keep at least 90 days’ worth of […]

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Merchant Finance

How Merchant Cash Advances Are Revolutionising the Restaurant Industry

The restaurant industry is dynamic, fast-paced, and constantly evolving. From the thrill of opening a new location to the challenge of staying afloat during lean seasons, restaurant owners face a unique set of financial obstacles. While traditional loans can be difficult to obtain and often come with rigid terms, merchant cash advances (MCAs) have emerged […]

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Merchant Finance

Five Industries That Benefit Most from Merchant Cash Advances

Many small businesses face constant cash flow challenges, especially during peak seasons or unexpected events. To address this, Merchant Cash Advances (MCAs) provide a flexible solution that grants quick access to working capital. Unlike traditional loans, which often come with lengthy approval processes and strict repayment schedules, MCAs allow businesses to repay based on a […]

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Unsecured Loans

Are Unsecured Loans Harder to Get?

In the financial world, loans are a fundamental tool for both personal and business growth. Among the various types of loans available, unsecured loans are often a topic of debate, particularly when compared to their secured counterparts. This article explores whether unsecured loans are harder to get, focussing specifically on unsecured business loans, and provides […]

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Asset Finance

Can I Get a Business Loan with Bad Credit?

Let’s face it, having a less-than-stellar credit score can feel like climbing a mountain when you’re trying to grow your business. But don’t despair! While it might be tougher, securing a business loan with bad credit isn’t impossible. Understanding the Challenge Traditional lenders, like banks, often have strict credit score requirements. A low score can […]

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