Poppy Bank的动态

?? This is an important read. ???? We recently learned that despite the public’s and the BID’s support, LINK has declined to approve a banking hub in Dorking due to The Nationwide Building Society remaining open. This is despite the use of cash on Britain's high streets increasing to 19% from 15% in 2021, according to the British Retail Consortium BRC Payments Survey 2023. It concluded this was because many households were using cash in order to budget more carefully as the cost of living rose. The Dorking BID supports providing choices to both customers and businesses in Dorking. The BID team strongly supports a Banking Hub in Dorking, and has distributed MVDC surveys, promoted the campaign, and generated earned media coverage. It has been confirmed on the Mole Valley For Business website that Dorking is eligible for a Deposit Service, however an implementation timeline has not yet been provided. But there is still action we can take together, so this is what you can do. ?? We have learned that there is a consultation being undertaken by the Financial Conduct Authority (FCA) who are currently accepting comments on a new regulatory regime. The FCA is asking for comments on the consultation using the form on their website or in writing to: Retail Banking, Financial Conduct Authority, 12 Endeavour Square, London E20 1JN Telephone: 020 7066 1000 Email: [email protected] The FCA consultation closing date is 8th February 2024. To encourage the chance of a positive outcome, let’s take action, have our say and work together to create a Banking Hub in Dorking. https://buff.ly/42dFhxB ??: @fritz_photography_uk #SaveOurHighStreet #MoleValley #MoleValleyCouncil #MoleValleyTogether #DorkingTown #HelloDorking #DorkingLife #DorkingParents #DorkingMums #SaveOurHighStreets #DorkingCommunity #HaveYourSay #Dorking #DorkingSurrey #DorkingHighStreet #SupportLocalBusinesses #BankingHubs #BankingHub

? Success Story: Empowering Melbourne's Café Scene?? Thrilled to share the remarkable transformation we've helped bring to a vibrant café in Melbourne's bustling CBD!?? Our client, a passionate entrepreneur, approached us with a pressing need for $150,000 in day-to-day capital finance. The challenge? Bridging the gap between supplier invoices and corporate catering payments that carried healthy profit margins but lengthy terms. We went above and beyond, securing a game-changing solution that surpassed our client's expectations: ? A competitor offered a term loan over 2 years, we were able to work closely with our lenders to acquire a flexible line of credit facility amortized over 4 years which previously wasn't an option due to the competitor not understanding the clients situation enough to mitigate credit hurdles. ? Lower setup fees and extended repayment terms, resulting in significant cost savings. ? A flexible line of credit that allows for convenient access to funds as needed, with interest charged only on utilized amounts. The outcome? Our client now enjoys: ?? Increased financial flexibility and peace of mind. ?? Reduced monthly expenses by $600+ ?? Enhanced ability to manage cash flow and grow their business. We're proud to have played a role in empowering this café to thrive. If you're a business owner seeking tailored financial solutions, let us help you unlock your potential at?Valiant Finance! If you'd like to get in touch please email me at [email protected] #BusinessFinance?#CafeSuccess?#MelbourneCBD?#FinancialEmpowerment?#CashFlowManagement

There are many benefits to having Rob Underwood back at Happy Prime, but one of the unexpected upsides is getting to view New Zealand's unique financial services landscape through his fresh perspective. ? Rob describes the local ecosystem as "wide and varied, permeated with innovation at every turn." And we have to agree - the spirit of ingenuity is truly alive and thriving in the New Zealand finance sector. ? At Happy Prime, we're perfectly positioned to support this innovative community from within. As a New Zealand-born and based company, we live and breathe the same market dynamics shaping the decisions of local finance businesses. We know the regulatory hurdles, the economic forces, and the consumer mindsets. ? Our team has a combined 50+ years of experience navigating New Zealand's intricate credit landscape across consumer and commercial lending. This specialised local expertise allows us to guide finance companies in developing robust yet flexible credit policies, processes and platforms tailored to our market. ? From regulatory compliance to responsible lending practices, and credit risk modelling to data-driven decisions, we partner with lenders to create best-practice credit solutions purpose-built for their Kiwi customers and growth ambitions. ? The opportunities in New Zealand's finance sector are ripe for those who understand how to capitalise on them. With our diverse expertise and hyper-local focus, we enable finance innovators to confidently extend credit while mitigating risk. ? Excited to see what new Kiwi finance innovation we uncover next? Get in touch to explore how our local credit licence can power your lending operations. #NewZealandFinance #CreditRiskSpecialists #FinanceInnovation

?? 38 shops close every day across the UK, from pharmacies to pubs and banks. As big chains falter, local independents are left to navigate an increasingly difficult landscape—but they don’t have to do it alone. LocalVerse is here to help connect, protect, and preserve our local economies by empowering independent businesses to digitise and thrive. ??? At LocalVerse, we believe that local communities are the heartbeat of any economy. Our platform bridges the gap between small businesses and local consumers, offering digital tools that help them stay competitive. By supporting independents, we can build stronger, more resilient local economies in the face of national retail challenges. Read more- https://shorturl.at/PWxUh #SupportLocal #IndependentBusiness #DigitalTransformation #LocalEconomy #LocalVerse #RetailResilience

from Banking to Baking, a most read. TheNiche Young Entrepreneur: Banking to baking, Adannaya’s story of passion and purpose https://lnkd.in/diYjb2a9

delayed from 6 Sep?#Ocado,?the ???? British online supermarket ???- Filling in the gaps – Positioning Aengus McMahon - Sarria - Credit Opportunities Want to hear more about what we do? DM Malika Varsani. Not a client? Request a trial here: [email protected] Sign up for our newsletter here: https://bit.ly/3mgFWgB #highyieldbonds?#distressedassets?#distressedcredit?#assetmanager?#fundamentalanalysis?#highyield?#excelmodel #specialsituations?#distresseddebt?#sarria?#UKGrocers #Supermarkets

Advocacy remains a top priority for Commerce Ballarat, striving to ensure that the voice of business in Regional and Rural Victoria is heard. Much of this occurs behind the scenes, but this week has been marked by a flurry of media, phone calls, meetings, and media engagements including The Age, 3AW, ABC Melbourne and ABC Ballarat/Bendigo. Special thanks to Richard Cornish for crafting an insightful article shedding light on the challenges confronting many of our businesses in hospitality. These challenges are shared by many sectors, sky rocketing costs, Workcover, liquor licenses, insurance, energy to name a few.?Often?staffing and skill shortages mean our businesses are having to invest more into training and we also must acknowledge that our whole community is facing higher costs of living and mortgage rates, and for many external factors?such as?droughts, flood, and fire. On Tuesday, we?had the opportunity to meet with Hon Catherine King MP, and yesterday the Victorian Regional Chamber Alliance?met in Melbourne?with Opposition Leader John Pesutto, Deputy Leader David Southwick MP, Shadow Small Business Minister Cindy McLeish, and Chief of Staff Louise Staley, FAICD, F FIN.? It is critical that our businesses are aware of certain facts if they are facing financial difficulty especially when it comes to dealing with the ATO, click the link for a?simplified debt restructure fact sheet. https://lnkd.in/ee8faJBf If you need help or advice and can't afford it please reach out, and if you are experiencing difficulty with the ATO please contact Katherine Petrucco in Federal Member Catherine King's office. Phone: 5338 8123 Email [email protected] We are focused on finding ways we can help, even small gestures can make a difference to someone under pressure. If you are able get out and about, enjoy a second cup of coffee, smile at the person serving you and saying ‘Bravo’ to Ballarat. To shout out, follow?bravo4ballarat?on socials and share your positive experiences by using the?#bravo4ballarat. Business community leaders Stuart Benjamin and Kate Davis have developed this?initiative to recognise hard working individuals and businesses who consistently deliver exceptional service and experiences to the community, across all industries. Commerce Ballarat will be sharing our own #bravo4ballarat posts over the coming weeks, and we encourage you to do the same. ? As always, if you need help or an ear please contact our office at any time. Mental Health Support is available via Partners in Wellbeing Program: ?[email protected] 0484 671 018

Make your money go farther by spending it locally. Through the Credit Unions #loyal2localchallenge, employees are provided $25 to spend at a local business. Reflecting the passion credit unions have for empowering local communities, this program serves to remind us how far you make a dollar go when you choose to spend it locally. For every dollar spent at a local business, two-thirds stays in our local economy versus 11 cents spent with a multinational retailer. And when you buy from a local producer, you do even more to support our local economy. I love this stat from the Wine Growers of NS. An average bottle of Nova Scotia wine costs about $27. It generates almost $41 in total revenue. An awesome return for all of us. Here’s to being more loyal to local. Cheers! #shoplocal #eatlocal #winesofns

You’d be blown away at how many leads we can get you for under $500 spent. Wanna grow with no contract required? 1. #BCBusiness 2. #SupportLocalBC 3. #ShopLocalBC 4. #BCSmallBusiness 5. #BCEntrepreneur 6. #VancouverBusiness 7. #BCLocalBusinesses 8. #BritishColumbia 9. #MadeInBC 10. #BCBusinessOwne

Haiyaaa....not my own money mah, why you all so kaypoh? : Uncle Roger I think this is the fastest expansion I have seen for an fnb business. Whenever I see unreasonably fast expansions, I can't help thinking that they are like the next Island Red Cafe scam, where you can purchase a "share" of the business for RM 6000 back in 2008. The amount of returns one could apparently get after investing would have ringed some alarm bells, but if Island Red Cafe really did serve up a lot of customers, it’s not impossible they could rake in enough to cover these expenses to shareholders right? Indeed, it was marketed as an easier way for people to own their own franchise. However, the guaranteed returns starting at RM300/month would have been a clear sign of a ponzi scheme going on, along with the extremely high investment returns (they claimed to be able to triple your investments). Quite a few friends got suckered into this. Luckily I was working in the hotel industry and could not afford to invest...... ??