{"id":5620,"date":"2020-06-30T11:07:05","date_gmt":"2020-06-30T10:07:05","guid":{"rendered":"https:\/\/bcrs.org.uk\/?p=5620"},"modified":"2020-06-30T11:07:05","modified_gmt":"2020-06-30T10:07:05","slug":"what-is-a-debenture","status":"publish","type":"post","link":"https:\/\/bcrs.org.uk\/cy\/blog\/what-is-a-debenture\/","title":{"rendered":"Beth yw dyledeb?"},"content":{"rendered":"

Welcome back to the BCRS blog. This week I will be informing you about what a Debenture is and why it is taken on our loans.<\/span><\/p>\n

As you know, here at BCRS Business Loans, we believe no viable business should go unsupported.\u00a0 <\/span><\/span><\/p>\n

We provide business loans to SME businesses in and around the West Midlands who need access to finance to help their businesses grow and prosper<\/span><\/p>\n

We are a relationship-based lender. This means that if we are able to support your business you will have a dedicated Business Development Manager who will take you through our loans process.\u00a0 <\/span><\/span><\/p>\n

As part of this process they will discuss a document called a Debenture. BCRS require this on all of our loans therefore it is important to us that you fully understand this document. <\/span><\/p>\n

I\u2019m here to explain more. <\/span><\/p>\n

So, what is a Debenture?<\/span><\/strong><\/h6>\n

\u00b7\u00a0 \u00a0 \u00a0 \u00a0 <\/span><\/span><\/span>It is an agreement between a lender and a borrower which is registered at Companies House and lodged against a company\u2019s assets. <\/span><\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><\/span>The Debenture is sometimes called a \u2018floating charge debenture\u2019 and includes all company assets. The charge is floating as some of the assets may be changing on a daily basis, such as stock for example. <\/span><\/p>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><\/span>The Debenture secures the assets for the lender should the company fail and in liquidation, the charge becomes \u2018fixed\u2019 on the asset\u2019s value at that point in time.<\/span><\/p>\n

\u00a0Why do you need to provide a Debenture?<\/strong><\/span><\/h6>\n

\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/span><\/span>The Debenture forms part of the security that the lender requires to be able to provide you with a business loan, this will be used alongside other forms of security such as Personal Guarantees, the Enterprise Finance Guarantee and the Coronavirus Business Interruption Loan Scheme.<\/span><\/p>\n

We will hold a Debenture for as long as the BCRS loan remains outstanding.<\/span><\/p>\n

In the event that a Personal Guarantee is also taken, the Debenture and Personal Guarantee work concurrently, i.e. we do not exhaust the Debenture before turning to the Personal Guarantee.\u00a0 <\/span><\/p>\n

For more information or support please contact your Business Development Manager who will be more than happy to help. <\/span><\/p>\n

Visit our website at <\/span>www.bcrs.org.uk<\/span><\/a> and apply today <\/span><\/p>\n

Watch the video here <\/a><\/span><\/p>\n

Click here<\/span><\/a><\/span>\u00a0to read more from the BCRS blog page.<\/span><\/p>\n

Follow us on social media<\/span><\/p>\n

\"Twitter-logo@B_C_R_S<\/span><\/a><\/span><\/p>\n

\"LinkedIn@BCRS Business Loans<\/span><\/a><\/span><\/p>\n

\"Facebook@BCRSBusinessLoans<\/span><\/a><\/span><\/p>\n

\"Lauren-McGowanPublished by Lauren McGowan \u2013 Digital Marketing Assistant<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Croeso n\u00f4l i flog BCRS. Yr wythnos hon byddaf yn rhoi gwybod ichi beth yw Debentur a pham y caiff ei gymryd ar ein benthyciadau. Fel y gwyddoch, yma yn BCRS Business Loans, credwn na ddylai unrhyw fusnes hyfyw fynd heb ei gefnogi. Rydym yn darparu benthyciadau busnes i fusnesau bach a chanolig yng Ngorllewin Canolbarth Lloegr a\u2019r cyffiniau\u2026<\/p>","protected":false},"author":12,"featured_media":5623,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[221,517,537,540,539,7,10,538,483,66,54],"class_list":["post-5620","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-bcrs-business-loans","tag-blog","tag-debenture","tag-document","tag-documents","tag-finance","tag-loans","tag-marekting","tag-process","tag-sme","tag-west-midlands"],"yoast_head":"\nWhat is a Debenture? - BCRS Business Loans<\/title>\n<meta name=\"description\" content=\"This week I will be informing you what a Debenture is and why we take a Debenture. 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