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Things to consider for businesses and individuals alike

Bank loans finance all kinds of things, from business expansion to new bathrooms. However, when you're considering a new loan it's very important to do your sums and make sure you can afford the repayments; if you're borrowing for business, you'll need to ensure that your books are in order.

For individuals, bank loans finance everything from new televisions to home improvements, holidays in the sun and new cars. They're a great way of getting the things you want right now, but there's a price tag – and a risk – attached. Although interest rates vary, you'll still pay a hefty sum for the privilege of borrowing, and if you use property as security on the loan then you could lose that property if you don't keep up the repayments.
In the world of business, loans finance capital expenditure, property purchases and other expenses – but don't expect to get a business loan with a few mouse clicks on the Net. Business finances are complicated, and lenders will normally want to take a look at your books before deciding whether to finance your world domination plan. With personal loans, it's easy enough to decide – if someone's got a full-time job then they've got a guaranteed regular income – but with businesses, cash flow is much more chaotic. If you're thinking of borrowing money for your business in the near future, it's a good idea to start making friends with your business bank manager. helps you find the best loans companies for your specific needs, and gives you background information on the various types of loans available in our loans articles, more loans articles and still more loans articles.

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