{"id":4397,"date":"2019-08-08T15:00:56","date_gmt":"2019-08-08T14:00:56","guid":{"rendered":"https:\/\/bcrs.org.uk\/?p=4397"},"modified":"2019-08-28T16:05:20","modified_gmt":"2019-08-28T15:05:20","slug":"access-to-finance-top-tips-for-the-application-process","status":"publish","type":"post","link":"https:\/\/bcrs.org.uk\/cy\/blog\/access-to-finance-top-tips-for-the-application-process\/","title":{"rendered":"Mynediad at gyllid - awgrymiadau da ar gyfer y broses ymgeisio."},"content":{"rendered":"

Ydych chi'n chwilio am gyllid? A ydych wedi cael trafferth yn flaenorol i gael cyllid gan fenthycwyr traddodiadol?<\/strong><\/p>\n

Efallai y gallwn ni helpu!<\/strong><\/p>\n

Mae Benthyciadau Busnes BCRS yma i gefnogi Busnesau Bach a Chanolig (BBaCh) yng Ngorllewin Canolbarth Lloegr a\u2019r cyffiniau i helpu gyda thwf a ffyniant. Rydym yn darparu cyllid sy'n gweddu i'ch busnes.<\/p>\n

Rydym wedi ymrwymo i ddarparu benthyciadau i fusnesau hyfyw yn amrywio o \u00a310,000 i \u00a3150,000 gyda thymhorau o 1 i 7 mlynedd.<\/p>\n

Rydym yn ystyried cymaint mwy wrth wneud y penderfyniad i roi benthyg arian i\u2019ch busnes gan ein bod yn ymwybodol iawn y gallai diffyg hanes, trefniadau diogelwch afresymol, problemau ariannol yn y gorffennol neu beidio \u00e2 bodloni dulliau sgorio credyd confensiynol rwystro eich cynnydd.<\/p>\n

Agwedd arall sy'n gwneud i ni sefyll allan o'r dorf yw bod gennym ni ymagwedd sy'n seiliedig ar berthynas at fenthyca. Rydyn ni bob amser yn cymryd yr amser i gwrdd \u00e2 chi wyneb yn wyneb ac eisiau darganfod a deall beth sy'n gwneud i chi a'ch busnes dicio!<\/p>\n

Mae'r broses hon yn ein galluogi i wneud penderfyniad gwybodus ar y math o gyllid y gallech ei gael. Bydd un o\u2019n Rheolwyr Datblygu Busnes yn eich cefnogi drwy\u2019r broses ac wrth law i ateb unrhyw ymholiadau a chwestiynau sydd gennych.<\/p>\n

Isod mae rhai \u2018awgrymiadau da\u2019 gan ein Pennaeth Credyd, Tony, i sicrhau bod eich proses gwneud cais am fenthyciad yn rhedeg mor gyflym a llyfn \u00e2 phosibl:<\/strong><\/h6>\n

1. Yn bennaf, sicrhewch nad oes unrhyw fylchau yn eich cais am fenthyciad \u2013 os nad yw maes penodol yn berthnasol am unrhyw reswm, nodwch ef yn unol \u00e2 hynny.<\/p>\n

2. Fel benthyciwr, rydym yn darparu benthyciadau i greu a diogelu swyddi i fusnesau sy'n tyfu - a ydych yn si\u0175r eich bod yn bodloni'r meini prawf hyn?<\/p>\n

3. Mae angen adroddiad Experian neu Equifax llawn arnom ar gyfer pob cyfarwyddwr\/perchennog\/ partner<\/p>\n

4. Dylai adroddiad Experian \/ Equifax gyfateb i'r wybodaeth a geir ar y ffurflenni asedau personol \/ rhwymedigaethau \/ incwm \/ gwariant<\/p>\n

5. Dylid anfon esboniad\/tystiolaeth dda o foddhad gydag unrhyw wybodaeth credyd anffafriol<\/p>\n

6. Cyfrifon ar gyfer y 3 blynedd diwethaf:
\na. ddim yn berthnasol ar gyfer busnesau newydd
\nb. busnesau sydd wedi bod yn masnachu am lai na 3 blynedd, gadewch inni gael yr hyn sydd gennych<\/p>\n

7. Fel arfer byddai angen i ragamcanion llif arian ddangos TAW<\/p>\n

8. Dylai rhagamcanion llif arian roi cyfrif am arian benthyciad sy'n mynd i mewn\/ad-daliadau benthyciad a chynnwys y cynnydd a ragwelir mewn cyflogau ar gyfer swyddi newydd i'w creu. Cofiwch gynnwys balansau banc agoriadol a chau.<\/p>\n

9. Dylai rhagamcanion Elw a Cholled fod yn glir o TAW<\/p>\n

10. Mae angen cefnogi ffigurau incwm\/gwerthiannau rhagamcanol gyda chynllun gwerthu a marchnata neu dystiolaeth o gontractau ac archebion newydd, i farnu a yw'r rhagamcanion hyn yn realistig. Mae hyn yn arbennig o bwysig i fusnesau newydd<\/p>\n

I ddarganfod a all BCRS helpu eich busnes, ewch i https:\/\/bcrs.org.uk\/<\/a><\/p>\n

Gallwch hefyd danysgrifio i'n rhestr bostio i gael y wybodaeth ddiweddaraf am bopeth BCRS ynghyd \u00e2'n dilyn ar y sianeli cyfryngau cymdeithasol isod.<\/p>\n

 <\/p>\n

\"\"\u00a0 h<\/span>ttps:\/\/bcrs.org.uk<\/span><\/a><\/p>\n

<\/b><\/i><\/u>\"\"\u00a0 @B_C_R_S <\/a><\/p>\n

\"\"\u00a0 Benthyciadau Busnes @BCRS<\/a><\/p>","protected":false},"excerpt":{"rendered":"

Ydych chi'n chwilio am gyllid? A ydych wedi cael trafferth yn flaenorol i gael cyllid gan fenthycwyr traddodiadol? Efallai y gallwn ni helpu! Mae Benthyciadau Busnes BCRS yma i gefnogi Busnesau Bach a Chanolig (BBaCh) yng Ngorllewin Canolbarth Lloegr a\u2019r cyffiniau i helpu gyda thwf a ffyniant. Rydym yn darparu cyllid sy'n gweddu i'ch busnes. Rydym wedi ymrwymo i ddarparu\u2026<\/p>","protected":false},"author":12,"featured_media":3961,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[232,85,221,9,5,24,10,66,32,54],"class_list":["post-4397","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-access-finance","tag-access-to-finance","tag-bcrs-business-loans","tag-business","tag-funding","tag-growth","tag-loans","tag-sme","tag-smes","tag-west-midlands"],"yoast_head":"\nAccess to finance- top tips for the application process.<\/title>\n<meta name=\"description\" content=\"Blog - Are you looking for finance? Have you previously struggled to access finance from traditional lenders? 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