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Ar et hebankscashi ngi nont heCor onavi r uscr i si s? Manysmal landmedi um si zedbusi nesseswi l lhavebeenr eassur edt ohearaboutt he st epst hatt heGover nmenti st aki ngt oensur ef i r mscansur vi vet hecur r entcor onavi r us cr i si s,andwi l lhavewel comedt henewsoft hei nt r oduct i onoft heCor onavi r usBusi nessI nt er r upt i onLoanscheme( knownasCI BLS) . Thef ol l owi ngpi ecei sbyKI SFi nance. Compani esst r uggl et oaccessf i nanci alsuppor t
i sl esst han£45m andt heywoul dbeavi abl ebusi nessi fi twer en’ tf ort hei mpactoft he vi r us,compani eswi l lbeel i gi bl eandwi l lbeabl et obor r owupt ot heval ueof25% oft hei r 2019t ur noverort wi cet hei rannualwagesbi l l . Howdocompani esappl y? Loanscanbeaccessedvi a40l ender swhoar ecur r ent l ypar toft heschemeandcompani esar ebei ngdi r ect edt oappl yvi at hei rnor malbusi nessbanki nt hef i r sti nst ance.
Butascompani est r yt oaccesst hi ssuppor tmanyar ef i ndi ngt hatt hebanksar enot maki ngi teasyt ogett hef i nanci alsuppor tt hatt heyneed.Rat hert hanmaki ngt hepr ocess asqui ckaspossi bl ef orcompani esi ndi st r ess,t hebanksar et aki ngt hi soppor t uni t yt o cashi nont hecr i si sbyi nsi st i ngcompani esappl yf orast andar dbusi nessl oanf i r st .Onl yi f t heyt henf ai lt omeett henor malcr i t er i awi l lt heybeabl et oappl yf oral oanundert he CBI LS.
However ,t hi si swher et hepr obl em st ar t s!Onappr oachi ngmostoft hemai nbanks,compani esar ebei ngadvi sedt hatt heymustappl yf oranor malbusi nessl oani nt hef i r sti nst ance.Onl yi ft heyf ai lt omeett henor mall endi ngcr i t er i awi l lt heyt henbeconsi der edf or al oanunderCBI LS.
Banksdemandi ngaddi t i onalsecur i t y
Wi t ht heGover nmentpr ovi di ngaguar ant eeon80% oft hemoneyl entt hr ought he scheme,t her i skt ol ender si sgr eat l yr educedbutmanyst i l lseem keent ocashi nont he except i onalci r cumst ancest hatcompani esf i ndt hemsel vesi nbyi nsi st i ngonbusi nesses appl yi ngf oranor malbusi nessl oanf i r st .Asi nt er estwi l lbechar gedatcommer ci alr at es ont hesel oansf r om dayoneandcompani eswon’ tbenef i tf r om t he12mont hpayment hol i day ,ast heywoul dwi t hal oanundert heGover nment ’ sscheme,manyf i r msmayf i nd t hatt heycan’ tgett hesuppor tt hatt heysodesper at el yneedatt hi st i me.
Event hent her ei sal otofuncer t ai nt yonexact l ywhatf or msofsecur i t yt hebankswi l lbe aski ngf orf r om busi nesses,i ft heyar econsi der edf oral oanundert heCor onavi r usBusi nessI nt er r upt i onLoanscheme.Somel ender shavebeenaski ngf orper sonalguar ant ees whi chwoul dpl acet heper sonalpr oper t yofbusi nessowner satr i ski ft hei rbusi nesswer e t of ol dduet ot hecr i si s.Rat hert hanhel pi ngcompani esi nl i newi t ht heGover nment ’ si nt ent i ons,t hebanksseem t obecr eat i ngbar r i er swhi chwi l lpr eventbusi nessesf r om get t i ng t hef i nanci alsuppor tt hatt heysodesper at el yneedandt heGover nmentopenl ypr omi sed. Howdoest heBusi nessI nt er r upt i onLoanSchemewor k? Undert heCBI LScompani escanappl yf oral oanofbet ween£25, 001and£5m f orupt o6 year st ohel pt hem sur vi vet hecur r entcr i si s.Thoseneedi ngf i nanci alhel poverashor t er per i odcanaccessover dr af t sandi nvoi cef i nancef orupt o3year st hr ought hescheme. Loansar r angedundert heschemewi l lbei nt er estf r eef ort hef i r st12mont hsandt her e’ s noneedt omakeanyr epayment sf ort hef i r styearei t her . Whi chbusi nessar eel i gi bl e? Wi t ht hevastmaj or i t yofbusi nessesbei ngi mpact edbyl ossoft r ade,f al l i ngsal esandcash f l owi ssues,t hi scer t ai nl ysoundsl i kever ywel comenews.Sol ongast hei rannualt ur nover
Ar et hebankscashi ngi nont hecr i si s?
Gi vent heunpr ecedent ednat ur eoft hecr i si sandt hel ast i ngi mpactt hatt hi si sl i kel yt o haveont heUK’ seconomy ,shoul dn’ tt hebanksbeof f er i ngal laf f ect edvi abl ecompani es accesst ot hesamel evelofsuppor t ?Of f er i ngani nt er estf r eeper i odandpaymenthol i dayi nl i newi t ht hosepr ovi dedundert heCBI LS,woul dcr eat eal evelpl ayi ngf i el dand pr ovi det hesuppor tt hatbusi nesseswi l ldesper at el yneedt osur vi vet hecur r entcr i si s. Cl ar i t yi st her ef or eur gent l yneededt oensur et hatal lbanksar et r eat i ngbusi nessesf ai r l y andi naccor dancewi t ht hei nt ent i onssetoutbyt heGover nment ,r at hert hanf ocusi ngon gener at i ngt hei rownpr of i t s. ht t ps: / / www. ki sbr i dgi ngl oans. co. uk/
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FARMERS I NVI TED TO BI D ONLI NE FOR SOMERSET FLOOD WORKS Far mer sac r os s Somer s etar ebei ng i nv i t edt obi di nt he c ount y ’ sbi gges t auc t i ony etf orwor k s t ohel ps t opf l oodi ng. Theauc t i onwi l l r un onl i nef r om Wednes day18Mar c h t oMonday30Mar c hatwww. nat ur ebi d. or g. uk ,f ol l owi ng s uc c es s f ul t r i al sf undedbySomer s etRi v er sAut hor i t y ( SRA)i n2018and2019. Thi sy eart heSRA,Env i r onmentAgenc y ,andFar mi ng& Wi l dl i f eAdv i s or yGr oupSout hWes t( FWAG SW)ar eof f er i ngf ar mer sac hoi c eofupt os ev endi f f er entmet hods ofnat ur al f l oodmanagement( NFM) .Thes ei nc l ude hedgepl ant i ng,bet t ermai z emanagement ,andgr as s l ands ubs oi l i ngands l i t t i ng. Al l meas ur eshel pt os l owt hef l owofwat er ,whi l edel i v er i ngot herbenef i t s .Forex ampl e,gr as s l ands ubs oi l i ng ands l i t t i ngaer at et hegr ounds ot hatmor er ai nwat erc an f i l t eri n,andt heyal s oi mpr ov et hes oi l . Al l t hatf ar mer smus t dot ot ak epar ti sv i s i t t heNat ur eBi dwebs i t e, c hoos eoneormor e NFM met hods ,s el ec t ar easoft hei rl and wher et heybel i ev e t hos emet hodswi l l get t hebes tf l ood pr ev ent i onr es ul t s , t henbi df orf undi ng. Thet ot al av ai l abl et hi s y eari s£40, 000,t hebi gges ts um y et . Af t ert heauc t i onc l os es ,bi dsgetc hec k edbyFWAG SW. Gr ant sf r om t heSRAandEnv i r onmentAgenc yar et hen gi v ent ot hebes t ,mos tc ompet i t i v el y pr i c edi deas . Cl l rDav i dHal l ,Chai rofSomer s etRi v er sAut hor i t y ,s ai d: “ Oneoft hek eypoi nt sr ec ogni s edi nSomer s et ’ s20Year Fl oodAc t i onPl an,whi c hwasdr awnupdur i ngt hemaj or f l oodsof2014,i st hatwhathappensont hel andi sr eal l y i mpor t ant .Ev er yf i el d,ev er yf ar m,ev er ys t r eam hasa par tt opl aywheni tc omest omanagi ngwat er .
“ TheSRAhasf undedhundr edsofnat ur al f l oodmanagementmeas ur esac r os sSomer s ett hr ought heawar dwi nni ngHi l l st oLev el spr oj ec t ,butonl i neauc t i onsmeanwe c andomuc hmor e.Las ty ear200bi dswer es uc c es s f ul . “ I t ’ sas y s t em t hatc ut soutpaper wor kands av est i meand money .I tl et sf ar mer sus et hei rk nowl edgeoft hei rl andt o pi npoi ntpl ac eswher ebet weenuswe’ l l getr es ul t s .Is ay– gi v ei tago! ” Theonepr ov i s oi st hatast hemai npur pos eofNFM ac t i v i t i esi nSomer s eti st os l owt hef l owofwat erdownt hr ough t hehi gherpar t sofr i v erc at c hment s ,t hewebs i t ewi l l not al l owf ar mer st opl ac ebi dsf orl andi nl owl y i ngI nt er nal Dr ai nageBoar dar eas ,ori nar easwhi c hdr ai noutoft he c ount y .Ot her wi s ei tc ov er st hel engt handbr eadt hof Somer s et . Nei l Dav i es ,Di r ec t orofFut ur eFundi ngatt heEnv i r onmentAgenc y ,s ai d:“ Weal l needt ov al uet heenv i r onment andenc our agei nv es t mentt oi mpr ov ei t .Wedev el oped t heNat ur eBi dwebs i t et oal l owf ar mer st oputf or war d way si nwhi c ht heyc oul dmanaget hei rl andt oi mpr ov e t heenv i r onmentandr educ ef l oodr i s k .Thi si sawi nwi n f orf ar mer sandl oc al c ommuni t i es . ” Ri c har dMas t er sofShar ps hawFar mi nNunneynear Fr omegotagr antf orbet t ermai z emanagementi nl as t y ear ’ sauc t i on.Hes ai d:“ Theonl i neauc t i ont ool wasqui c k ands i mpl et ous e.Iwasabl et oac hi ev ewhatt hef ar m neededwi t ht hegr antmoneyandI ’ mr eal l ypl eas edIt ook par t . ” J ohnQui c kofQuant oc kFar m bet weenWes tMonk t on andCl av el s hayal s os ec ur edagr antf orbet t ermai z e managementi nl as ty ear ’ sauc t i on.Heagr eedwi t hMr Mas t er s :“ Theonl i neauc t i onwasr eal l yqui c kandeas yt o us eandal l owedust oac hi ev eal otwi t hourmai z e gr ound,wi t houtal l t hepaper wor kofot herenv i r onment al s c hemes . ” Nat ur eBi dt ec hnol ogyhasbeendev el opedbyt heEnv i r onmentAgenc ywi t ht heSy l v aFoundat i on.Fol l owi ng Somer s et ’ si ni t i al t r i al i n2018,i ti snowbei ngi nc r eas i ngl y us edac r os st hec ount r y .
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