At its most basic form, Insurance is a protection policy which is sought to mitigate (or hedge against) a risk.

This could range from covering a period of absence from work due to illness, to covering loss of rental income if a property you rent out cannot be used as a result of fire or flood damage. In both instances a business owner would lose significant income were they not to have adequate Insurance in place.

Covid-19 has also identified a significant lack of personal protection that many Shareholders and Directors have not been insured against. Unfortunately, many business owners have become ill, or in some circumstances died, as a result of Covid-19. Those without the essential coverage for Life Insurance and Critical Illness cover are unfortunately leaving their family in a vulnerable position.

Prior research by the Association of British Insurers identified that over one in four primary income providers do not have a Life Insurance policy in place, thereby potentially leaving their families open to financial problems if they died.

Whilst there are many personal and commercial insurance policies that are needed, Covid-19 has really drawn attention to the most basic risk of a primary income provider not being able to ensure adequate income would continue if they were to be extremely ill, or decease in regards to providing for their home and family.

In the testing times we currently operate in, the questions we ask our clients in regard to these types of products are:

• Who is financially dependent on you?
• What would happen to your financial dependants and your business if you died or were ill for a long time?

Enquire today to see where we could help protect you and your business interests.

Thanks for reading and please engage with us via our Social Media channels.

Stay safe!

The Team @ One Click Finance.

The Digital Commercial Finance Broker.

Innovation. Agility. Service. Results.

The post Who needs Insurance? appeared first on One Click Finance.

Business owners are demonstrating an increased appetite for alternative methods of commercial finance in addition to the more commonly used Business Loans and Overdrafts. This is usually prevalent in times of a downturn sparking market fear and overall economic instability. However, savvy business owners have accessed such alternative products for years to support their growth plans in the “boom” times to acquire more assets to meet increased demand.

At One Click Finance we have noticed a growth in demand for Asset Finance over the recent period.

The appeal of asset-based funding is predominantly due to its flexibility and speed of releasing funds. Clients use this type of funding for two main needs:

1. Releasing tied up capital secured against assets they already own
2. Accessing funds to finance the acquisition of new Plant, Machinery, Vehicles, or business equipment etc.

So, not only can Asset Finance benefit cashflow, it can also support business plans to grow and flourish.

In the testing times we currently operate in, the questions we ask our clients in regard to these types of products are:

• Do you own unencumbered assets from which releasing funds could help cashflow or working capital?
• Do you have opportunities in your industry or region to increase market share by expanding?

Enquire today to see where we could add value to your business.

Thanks for reading and please engage with us via our Social Media channels.

Stay safe!

The Team @ One Click Finance.

The Digital Commercial Finance Broker.

Innovation. Agility. Service. Results.

The post The Rise of Alternative Finance appeared first on One Click Finance.

No one could have predicted the devasting effect of a global pandemic on all areas of work and life. We hope you have been coping with the lockdown in the UK and are finding new ways to keep yourselves busy, entertained and most importantly safe.

The pandemic has caused tremendous human loss and stretched the NHS to its limits, but what an amazing job by all the front line key workers to keep everyone safe and the country moving. We will all forever be in your debt.

As well as the irreplaceable human loss, there has been a huge impact on people’s finances and businesses. Retail is down, car sales are down, the property market was pretty much shut down and BoE base rate is at an all time low. The government stepped in with the furlough scheme but what happens when that finishes in the autumn and business is still slow? Job losses are inevitable sparking fears of another recession…

We had many conversations as a team regarding delaying the launch of One Click Finance. I mean, who launches a brand and business in the midst of chaos? Well, we believe that is the best time to launch as that is when people and businesses will need us the most. Also, as we are very streamlined and agile in our approach to business, the whole team was ready to work from home even before lockdown.

So whilst there are many unknowns and variables in the current climate, you can rest assured that we are here to guide and help you keep your business finances on track and have access to all government backed lending schemes as well as the traditional lending routes.

Enquire today to see where we could add value to your business.

Thanks for reading and please engage with us via our Social Media channels.

Stay safe!

The Team @ One Click Finance.

The Digital Commercial Finance Broker.

Innovation. Agility. Service. Results.

The post Covid-19: Business as usual… appeared first on One Click Finance.

After weeks of planning, preparation and writing, we welcome you to visit our website which showcases what we do and how we can help your business grow. We would love your feedback on how we can make this even better, so please feel free to comment on our Social Media channels.

Unveiling a website to the world is quite a nerve-wracking experience. What will people think? Is it easy on the eye? Is it functional? Does it stand out? And so on and so forth…

In the end, we acted upon the words of the great Leonardo da Vinci, who said ‘Simplicity, is the Ultimate Sophistication.’ Keeping things simple is what sets us apart and allows us to help our clients quickly and effectively.

This is actually one of the reasons for us starting One Click Finance in the first place. In our opinion, Commercial Finance has for far too long been portrayed as a complex and slow dark art!

No one really knows how it works, or how brokers work, and far too often end-users fail to ask questions around this as they are too busy running their businesses and simply need a result.

Our goal is to make Commercial Finance fast, simple and hassle-free.

We are a Commercial Finance broker with a difference.

We take a modern, digital approach to the advice process which results in a much smoother and seamless transaction. This allows you time to take care of more important matters – your business.

We specialise in providing funding advice to property investors, landlords, property developers and business owners.

We have showcased our product range in a simple, easy to read manner with little or no industry jargon. We pride ourselves on taking the mystery out of Commercial Finance and couple that with a modern, digital and efficient advice process.

Enquire today to see where we could add value to your business.

Thanks for reading and please engage with us via our Social Media channels.

The Team @ One Click Finance.

The Digital Commercial Finance Broker.

Innovation. Agility. Service. Results.

The post Our NEW Website has officially launched! appeared first on One Click Finance.