Bank Finance Lending in the U.K.

It looks as though our banks seem to be carrying more bank debt on commercial property in the U.K. than they have allocated for.It has always been there but I suppose they were hoping property prices were going to rise and get them out of the situation.As always they listen to reports analysis produced by big companies but they never seem to get on the street and look for themselves.

We have reports trade for November is better than last year.For many it is that they are selling more fore considerably less.That is not and never will be sustainable.Watch the damage done after Christmas because of financial stupidity pre Christmas with pricing.

As the shortfall in capital balances show through in banks so funding to small businesses will continue to fall.

Same old , same old story.
Other ways of funding for small businesses will develop faster.Retail Bond issues will be one for companies of such a size.Crowdfunding will develop faster as will peer to peer.
Main banks will be the losers in the end as small businesses do their best to stay away from them long term.

Many commercial landlords will disappear as their investments collapse.Reality needs to come back to commercial property. It hasnot been there for a long time.

Happy and successful investing to you all.

Business Loans in the U.K.

Despite what we are being told about the increase in Business loans in the U.K. being available talking to business people they are being turned down for loans unless they have more than enough security to cover the loan.Overdrafts when offered are at a higher interest rate than necessary.It is not easy being in business in the U.K.

Many companies that have assets and are of a size to be able to issue retail bonds are beginning to do so to reduce bank debt.These types of retail bond issue are attracting really good interest of retail investors.

The tightening of commercial finance is still on going in the U.K. even though we are told otherwise.Also commercial activity is very dormant in many fields and is not helping.If cashflow in the U.K. does not improve soon there will be a lot of businesses close as they run out of funds.And I am not talking just about the inefficiant ones'.

Happy and successful investing to you all.

Latest Retail Bond issue is Alpha.

The latest retail bond issue in the U.K. is by The Alpha Plus Group a group of private Schools and Childrens Nurseries.
For more information please go to www.RetailBonds.co.uk and go to bond issues.

Happy and successful investing to you all.

Welcome American Readers.Retail Bonds.

Good Morning to those of you who read this blog from America.I hope all is well with you.

Retail bonds in the U.K. are a recent phenomenon and because of this you would be surpised how many active business people and retail investors still do not know what they are.This I put down to the fact that the marketing of such products has been kept very limited.

This we hope to change as the more commercial entities realise the benefits / risks   of Retail Bonds and the same with retail investors the market will grow into a very large market.We at www.RetailBonds.co.uk  will do our utmost to market  Retail Bond to the greater retail investor and businesses in the U.K.  so they can make an informed choice.

Happy and successful investing to you all and I hope the sunshine in life  is always with you.

Retail Bonds and investor access.

Although some of the larger issues of retail bonds come to market they seem to be taken up by investors in the  know and sitting on the sidelines.Although this is ok it inhibits other investors to get a bite of the cherry.

This definately needs altering and then the market for retail bonds can grow and be more open.By allowing retail investors into the open market more companies would be encouraged to issue retail bonds knowing there is a greater base of potential investors out there.

Happy and successful investing to you all.

Latest Retail Bond issue in the U.K.

The latest Retail Bond issue in the U.K. is by UNITE Students Housing.They are hoping to raise a minimum of £50 million and it will be traded on the L.S.E. Retail Bond Platform.

For further information go to Retail Bond Issues on www.RetailBonds.co.uk

Happy and successful investing to you all.

Pre Christmas quiet in the markets.

In the U.K. there is not a lot of activity in the retail bond market apart from Eddie Stobart Group Issue.It will now probably stay that way now a s there are only 5 weeks to Christmas and activity slows anyway.however as we come out the other side I do expect activity to rise,slowly initially and then quite fast as we approach the end of the first quarter of 2013.More companies could utilise the benefits of retail bond issue,but some are still not aware of what retail bonds can do for them.

It is surprising that so many people in the U.K. do not know what retail bonds are and many companies as well do not know.I would assume the same is in the E.U. so it shows what marketing has to be done to potential investors and potential customers both in the U.K. and the E.U.

Happy and successful investing to you all from all at  http://www.RetailBonds.co.uk

Local Investors in Retail Bonds.

As it seems that activity is going to grow through local investments both in the U.K. and Europe, peoples attitudes are changing from looking at global projects, and to more local projects and companies ,to see how local Investment will help change their lives through better employment and assisting local companies and projects to flourish and become sustainable.
Through this style of investing overall the economies of the world ,that achieve this balance of investment, will grow strongly again.We have to think of how the balance of local growth and stability fits into the bigger picture of global activity.To many people it is here and now and where we live that matters.The global picture does not come into many peoples minds.
However local activity and global activity must work together to achieve the right balance so we all have a better life in the vicinity where we live.
Happy and successful investing to you all and lets all think local for some of the time.

Fund Raising moves from Banks.

As time progresses companies are looking for other ways of funding.A local authority up the north of England is joining forces with a crowd funding company to offer loans to credit worthy companies in their area which turn over more than £100,000.
These types of development in financing are going to grow more and be more localised as people start to realise that they cannot wait for banks to sort themselves out.
This localised form of financing for growth will start to pull the U.K. out of recession (of which we are not supposed to be in) and along with Retail Bonds, when the system allows local retail investors to invest in both local projects and locally based companies, will allow companies to employ and develop.
Waiting for investment in the U.K., with austerity still being the policy, is like watching butter climb a wall in the middle of summer.
Happy and successful investing to you all.

Retail Bonds stepping up to fill financing gap.

As we move towards 2013 many companies are looking now for other finance than bank lending.It has come to the point now where many businesses are not even bothering with asking a bank for a loan or overdraft with the fact they might get refused and it then shows on their credit rating.
Retail Bonds can and possibly should  fill that gap for some companies.However many companies that could benefit are unaware of retail bonds .More marketing has to be done by those involved.
www.RetailBonds.co.uk
Happy and successful investing to you all.

Retail Bonds and for profit housing associations.

As more and more companies gain permission to set up trusts to operate for profit housing associations,some by building companies enabling them to buy houses off their own sites,financing comes to the for.as part of financing they are openly discussing issuing retail bonds.This can only increase the market in retail bonds and may be the way forward in the U.K and Europe for a better supply of housing by associations as Government funding dries up.
Happy and successful investing to you all.

Retail Bonds latest issue.

As we move into November activity is beginning to lift in the retail bond market.
The latest issue is from the Stobart Group.Find the link on www.RetailBonds.co.uk   under latest bond issues.
Happy and successful investing to you all.

November activity quiet in retail bonds.

November is still quiet in the retail bond market in the U.K.How much longer are we going to wait for some push to get the U.K. economy going.5 years is too long now and people are getting tired of it dragging on.Somebody or some country has to be the first mover in gaining momentum.The American election over this will boost things but the European Economy has to get its act together.The cash is out there in many companies coffers.If moves dont take place soon I can see this dormancy dragging on for ages.
Lets hope we have the brave country/s and leaders to start doing things now.Not in 2yrs time.
happy and successful investing to you all.

Retail Bond activity and Brokers.

As we move into early November markets are still quiet ,however Brokers who have spoken to a national financial newspaper expect Retail Bonds to feature high in their activity to assist in increasing their profitability.Retail Bonds have assisted in increasing brokers revenue stream.Brokers need to establish their reputation in the Retail Bond market and those that do and have an advantage in marketing will win the day.
Marketing increasing awareness  is what we expect to achieve with the retail investor through our websites  www.RetailBonds.co.uk and  www.RetailBonds.eu    .
Happy and successful investing to you all.

Retail Bond activity and deposit returns.

As we progress out of October in the U.K. activity is subdued.Although behind the scenes I believe there is a lot of activity by companies looking at ,and considering issuing retail bonds as it looks as though bank lending is tightening and will do for a year or two.Banks do not seem to want to pay much interest to the public for deposits .It seems to me that banks are getting sufficient capital other ways cheaply
.A lot of the public are being offered 0.5% on their deposits ,not even covering inflation .They will be looking for other forms of investments for better returns.This will start to make Retail Bonds an attractive form of investment for the public now.But more information and marketing will need to take place.We intend to fill most of that gap.
Happy and successful investing to you all.

Retail Bonds and Retail Investors in E.U and U.K.

As the year goes on many investments that retail investors have had in 2yr ,3yr, and 5yr investments are coming to the end.This means that a lot of capital is coming on line for reinvesting.What a shock they are having as some are finding they will not get very decent returns on investing in the banks.Some as low as 0.5% and they are getting annoyed on this type of return.
Some will now start to turn to Retail Bonds as investments but 3 things have to happen to start to make the market grow more than it is now.The first is to increase marketing of Retail Bonds to Retail Investors and show them what is expected and what they can expect.The second is for more companies to decide that Retail Bonds are a benefit for their company in assisting in development and cashflow.And the third is for it all to work nicely together.Something that it doesnt quite do at the moment.This will develop into a very large market as Retail Investors both in the E.U and U.K. get used to investing this way.
This we hope to assist in doing at www.RetailBonds.co.uk  and www.RetailBonds.eu  .
Happy and successful investing to you all.