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Pryd i beidio â chymryd benthyciad busnes tymor byr
Crynodeb: nid benthyciad tymor byr yw'r ateb cywir bob amser. Mae'n addas ar gyfer bwlch penodol, tymor byr y gallwch ei ad-dalu o'r incwm sydd i ddod.
Pryd i feddwl eto
Os yw'r angen yn barhaol yn hytrach na thros dro, os ydych eisoes yn ei chael yn anodd ad-dalu dyledion presennol, neu os na allwch weld o ble y daw'r ad-daliad, yna nid yw benthyciad tymor byr yn debygol o helpu. Yn yr achosion hynny, mae cyngor annibynnol am ddim neu opsiwn rhatach yn well lle i ddechrau.
Crynodeb Cymraeg — mae fersiwn Saesneg lawn yr erthygl hon yn awdurdodol. Darllen yr erthygl lawn yn Saesneg
Pryd i feddwl eto
Crynodeb: nid benthyciad tymor byr yw'r ateb cywir bob amser. Mae'n addas ar gyfer bwlch penodol, tymor byr y gallwch ei ad-dalu o'r incwm sydd i ddod.
Your business credit score UK: how it works and how to improve it
How a business credit score works in the UK: what feeds your company's rating, why it differs by agency, and practical steps to improve it.
FOS and FSCS in UK business lending — and why a company loan falls outside both
FOS and FSCS in UK business lending: the FOS resolves complaints; the FSCS compensates when firms fail. Here is why a loan to a UK company falls outside…
What is a \"body corporate\" in UK lending, and why it matters
A body corporate is a company or LLP — a separate legal person. Here is why lending to one sits outside FCA consumer-credit rules.
How to read a Key Information Sheet for a UK business loan
The Key Information Sheet for a UK business loan summarises the cost and terms in plain English. Here is a section-by-section guide to what to check…
What counts as a 'wholly or predominantly business' purpose for a UK loan?
UK business lending requires a 'wholly or predominantly business purpose'. Here is what the test means, examples that do and do not qualify, and…
No early repayment fee? How the early-settlement charge works on UK business loans
You can settle your UK business loan early at any time with no hidden fee. An early-settlement charge of up to 28 days' interest may apply — the…
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