ADVICE ON BANKS

One of the things you should take time to investigate is good advice on banks. No one will want you to succeed as a business more than your bank manager and there are many banks who will be eager to support you both when you are starting up and when you're more established.

But let's just stop to consider - what is a bank these days and how do you ensure you are getting the best service available?

We have found that it is worth shopping around as banks now bundle other things in their offers and it's getting more confusing.

Supermarkets act as banks and banks will sell you many things such as travel insurance, roadside assistance and wine club offers so have you got the best deal?

Keep checking in to ensure you are up to speed with improving schemes and deals and never forget to read the small print, as in some instances consumers are getting even better deals than businesses.

Don't forget that with the commercial imperatives, it's not all about the bank charges you pay, as the interest rate on loans and overdrafts together with the repayment terms and conditions are equally if not more important.

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