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Welcome to this month's some exclusive offers from our parnters at Sterling Finance. We are delighted to offer thebrand new Landrover Discovery 5,VW Polo Beats,VW Passat Alltrack,Volvo V40 R Design and the newVW Golf SE Nav.

Whether you are looking to buy or lease your next vehicle or fleet, the team at Sterling can advise and guide you in the right direction. And further more they are putting together some exclusive offers for all our Medifinance customers and friends.

Here are our March offers, Look out for the special offers in your inbox on the first Monday of each month. 

If you have borrowed money from a Bank for working capital or to purchase a property then you may not necessarily have come across Banking Covenants.  However if you are planning to borrow to acquire another business or finance a significant expansion, then depending on the amount borrowed, your lender may seek to introduce covenants into your facility agreements. 

So what is a Banking Covenant?

We’ve listened to you and we’ve simplified our offering with a new website to show you how simple it is.

Have a look - “What are you waiting for? “

www.patient-finance.co.uk

Medifinance Consultants will be at the Dental Show on 6th-8th October so please do come onto the stand to say hello. 

Medifinance will be supporting the Lily Head Practice Sales team on Stand No. R52 [close to Education Theatre 1] alongside other specialist professionals chosen by Lily to provide advice to delegates whether you are looking to sell, arrange equipment finance or purchase a dental business.

If you are not going to ExCel this year please feel free to drop me an email or phone at any time if you would like an informal chat about your plans for the future. 

Bank Lending…..Art or Science?

I am often asked by clients whether the process of Lending is an Art or a Science.  This question is usually prompted by an unexpected outcome to a borrowing request or a line of questioning by the lender which the client finds puzzling.  My answer is that lending money is both an Art and a Science and I will endeavour to explain here what that means for the borrower. 

It’s all about the Numbers!

One of the public myths about Banking is that it is just about the numbers.  It is certainly true that financial performance and credit metrics are very significant when it comes to the decision to lend money but other factors are important too and have a significant influence on those decisions.