Anthony Couch’s Post

This week’s deal isn’t a let down by any measure, both broker and client were blown away by the support provided by the local relationship manager to secure funding to purchase the existing trading premises for this tyre fitting business. At NatWest we can support a wide range of sectors and businesses drive on to future growth and success, and that’s not inflating things..?! 😉🛞🚗💨💨 #smefunding #commercialfinance #doingagreatdealforbrokers

The NatWest Group have launched a lending proposition for high-growth businesses that enables them to borrow against the value of their intellectual property (IP) portfolio. "At Reddie & Grose we’ve always advocated for IP to be viewed not just as a legal safeguard, but as a strategic investment that can make the company eminently more attractive to customers, partners and other stakeholders. NatWest has helped to make that link easier to substantiate going forward." - Jan Vleck, Managing Partner for Reddie & Grose. Read the full statement here: https://lnkd.in/ep6A-QiQ #natwest #lending #highgrowthbusinesses #intellectualproperty 

An interesting topic for Simon's article today, with a balanced view from someone who sells shares for a living. Where he says, "NatWest needs the freedom to compete and innovate outside the irregular constraints of public ownership" I am reminded that Paul Volcker said in 2009 "the only useful banking innovation in the last 20 years was the ATM." The reality is that the ownership of this pig in a poke changes nothing. The retail banks have been neutered by regulation to ensure they never again assume risks that might require taxpayer bailouts. Their regulatory position means they are effectively arms of the government regardless of who owns the shares. For the government to now consider selling a zombie organisation such as NatWest whose board as recently as last year saw itself as an extended arm of it's owners social policy is beyond joke. A bank for which the people of this country have paid for many times over already and for most of whom it is an entirely inappropriate investment. One wonders if all the political noise about improving our capital market machinery isn't just a cynical ploy to off load this embarrassing relic from the Treasury balance sheet. Rant over. A great read as usual, thanks Simon. #justsaying

Both Jeremy McKeown and Simon French have, like many, been writing about the return of NatWest Group to fully private ownership. Most of you will recall that we, the great UK 🇬🇧 taxpayer bailed out Banking to reflect the 2007/8 Financial Crisis (I say most as recently it came to my attention that a Deputy Branch Manager at a bank that I know was still at school and so was probably not as concerned - so like a number of people they don’t have the experience of working and living with higher interest rates, inflation etc…but that’s another story). Now Jeremy Hunt etc have indicated they want to recreate the “Sid” campaign of the 1980’s. Brilliant I first thought - about time we re-stimulated individual shareownership this way. In principal I do think it’s time there was a campaign that way (I also think it is incumbent upon advisors, investment managers etc to at least have the discussion with clients as to interest) However, hearing all the arguments - I actually think the best way would be to use all the tools in the HM Treasury, HM Revenue & Customs and the Bank of England boxes to think differently how this is done. Many have called for the shares to be distributed to all taxpayers. I can see that as we already own them why should we buy our own shares?! So how about the following: NatWest should buy them back (for cancellation). At least some of the money raised should then be given to every single taxpayer - not in cash necessarily but in to a NTTF (or Natwest Taxpayer Trust Fund) - which will be similar to the CTF (Child Trust Fund). There should be certain rules as to when you can first access it (say 5 years?)…and what it can invest in (much talk of the Great British ISA for example). I guess what I’m saying is - Rishi Sunak and Jeremy Hunt - in fact The Conservative Party and The Labour Party - maybe take some soundings from experienced folk who have been around the block - ask the The TaxPayers' Alliance, ask ShareSoc (UK Individual Shareholders Society), Transparency Task Force and many others what they think. Whatever you do - don’t waste it! Other views welcome - respectfully of course! 🤷🏻♂️👍🕊️ #banking #tax #spend #shares #taxincentive #investment #politics #mindfulness #consideration #fairness #ownership #socialmedia

Calling all Commercial Finance brokers! I’ve had a few new connections in the above space recently and also some messages from existing connections, asking about how we could work together and the like. Here at NatWest we do have a specific broker proposition, and a very good, award winning one at that. I’ve popped in the comments the link to the website that covers off all things broker, so if you wanted to know more, please go and check it out. #commercialfinance #brokers #commercialfinancebrokers

🚨 Attention NatWest customers! Starting today, potential account fees may impact your finances. Find out how this change could affect you. Stay informed and take action to manage your banking costs. Learn more about the recent developments and what steps you can take to adapt. #NatWest #bankfees #financialnews https://ift.tt/ULx4sCX

This is a public service announcement. 📣 Mettle, the bank account built for the self-employed, is actually, anything but. We’ve decided to close your account, they told me. We appreciate this may be unexpected news (yeah, just a little), but we cannot reveal the exact reason. Oh, the mystery. It will take up to 15 working days to move your funds to a new account. Fine. An inconvenience, yes, but life happens - I’ll just find a new bank account. 17 days later, and thousands of pounds were still being held hostage, leaving me unable to pay my colleagues and suppliers. Mettle do I need to remind you who it is that banks with you? It seems you may have forgotten. Your sudden and rather elusive decision to close my bank account, with zero empathy, grace period, or understanding of the importance of cash flow in a small business is, well, highly ironic. Please, do better Mettle and NatWest Group. I’m off to Lloyds Bank that has somewhat more mettle than you.

At a recent #FamilyBusiness event we hosted in Scotland for Barclays Business Banking there was mention of the 'shirtsleeves to shirtsleeves' adage which essentially implies that the founding generation works hard to build the business, the second generation maintains it, and the third generation ultimately squanders it. However, in m any cases this is an over-simplification of the situation as there are plenty of factors that enable many family firms to successfully transcend the generations and stand the test of time. In fact, the oldest family firm in the UK dates back to 1515 and is now run by the 26th generation. The three-generation rule, while rooted in observation, overlooks the myriad of factors that contribute to the success or failure of family businesses. Many family enterprises defy this rule, thriving well beyond the third generation. Andy Hall Jamie G. Jane Wylie-Roberts Mairi Mickel David Beveridge Brian Toward Gilad Tiefenbrun Tara Young David Murray Ben Fowler David Twiddle Nick Mayhew Joe Oughtred BA, MCIPS Adam Walsh Richard John Balson Joyce Onuonga https://lnkd.in/eBQACeK3

Join us on the 24th October for a discussion around securing finance as a small business. 💼 We will be joined by Samuel Mcilroy, SME Relationship Manager at Lloyds Bank, Rob Farquharson, Head of Credit & Surety at Thomas Carroll, and Tanya Giles, Commercial Regional Manager at Atradius. The speakers will discuss everything why a bank might request credit insurance to common trends seen in businesses with and without insurance to what else may be required from you. Register today: Link in comments. 👇 #Webinar #Event #TradeCreditInsurance #SME #SMEFunding #SmallBusinessGrowth 

Trade & Finance makes the world go around... right? 🌍 ...Well let's find out! 👀 Join us for this insightful webinar where we hear from key speakers at: Atradius UK Lloyds Banking Group Thomas Carroll Group plc Where they will discuss how some SME businesses require Trade Credit Insurance for better, more competitive lending decisions 🏦 Register for the webinar using the link in the comments 👇🏽 💻 #Webinar #Finance #Trade #SME #Financiers #Insurance #Insights