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Guide to short-term finance



    Short-term finance provides liquidity quickly for applicants to meet immediate business and or personal needs. It is never meant to be a substitute for long term funding as it carries a higher price than conventional funding.

    The trade-off is between speed and convenience on the one side against greater costs of funding.

    FTAdviser’s Guide to short term finance tackles the different types of loans available, the pros and cons for clients and how much an adviser can expect to be paid for arranging such a deal.

    Answers supplied by Alan Margolis, head of bridging at United Trust Bank, Paul Aitken, chief executive of Borro, and Steven Nicholas, chief executive of Tiuta.

    In this guide

    1. What term is often used to refer to short-term finance in the context of mortgage lending?

    2. Into what category do most second-charge loans fall?

    3. What is personal asset lending?

    4. Who regulates short-term finance?

    5. What loan-to-values are offered by Borro for loans secured against assets?

    6. How long does a borrower have to pull out of a personal asset loan without having to give reason?

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