Securing your growth with an unsecured business loan

If your business doesn’t own many assets but needs funds quickly, an unsecured business loan offers you a quick and easy funding solution.

An unsecured business loan can help plug a cash flow gap or be used to accelerate growth. It’s one of the most common forms of business finance because it allows you to pay back manageable amounts that are suitable to your business circumstances.

If you are looking for informed searches and saving money then connect to My Business Advantage, we are experts in price comparison for unsecured business loans.

Through our trusted network of suppliers, we can source the best quotes from hundreds of multiple providers and reliable suppliers. Once we understand your business needs, we can negotiate better terms on your behalf. Please think of us as your outsourced procurement team, saving you the hassle and time too. This service is 100% free, and there is no obligation.

Just register your details to become a member of My Business Advantage and the process is simple. After a few general questions, to clarify your requirements, we will get the best candidates in front of you. They will then compete and bid for your business. Isn’t that great?

Remember, although securing finance might seem like an easy fix, there are downsides. It’s important to research how much you’ll need and when you’ll be able to pay it back.

Expect to answer questions such as: why do you want the money? How will you use the money? How much are you personally putting into the business? How much do you need to borrow? How and when do you plan to repay it? Do you have any security?

Once you understand the risk, and how much you need, our money experts can lock down the best deals, for example on the top loan rate.

Just answer the question on the form, and our experts will source you the best quotes for free.
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Bus company fined £2.3 million after unfit driver killed two people

Telematics has the ability to flag up dangerous and unfit drivers, but a bus company has just been fined £2.3 million for failing to act on these warnings after an overworked driver crashed into a supermarket, killing two people.

Fleet News reports that Midland Red (South)’s telematics system had repeatedly raised issues over the standard of Kailish Chander’s driving.

In October 2015, Mr Chander mistook the accelerator for the brake pedal, leading to the fatal crash.

Mr Chander, who was 77 at the time and working more than 70 hours a week, was found to have been driving dangerously at a fact-finding trial in September. However, he could not be found guilty as the 80-year-old was deemed mentally unfit to stand trial.

Instead, he was subjected to a two-year supervision order, which means he will be under a social worker and a psychiatrist for the order’s duration.

Midland Red (South), which is part of the Stagecoach group, admitted breaching health and safety standards during a two-day hearing at Birmingham Crown Court.

At sentencing, judge Paul Farrer insisted that Midland Red (South) was well aware of Mr Chandler’s long hours and that this was affecting his quality of driving.

The company’s third-party telematics provider constantly flagged up issues with Chander’s driving, sending numerous letters to him on the matter. Eventually, a disciplinary process saw an instructor from the company’s driving school carry out a ‘mystery shopper’ style journey on one of his buses.

This resulted in Mr Chander being referred to extra training with a driving school.

During the training, he told the instructor he felt he was being asked to work too many hours. The instructor responded by advising Mr Chandler to refuse the work if he didn’t feel fit.

After the sentencing, Midland Red (South) managing director Phil Medlicott, accepted there had been multiple failings at his company.

“We bear the weight of our responsibility for this terrible tragedy; that’s why we made early guilty pleas,” he said, adding that “safety is and always will be our first concern”.

Mr Medlicott admitted there were “failures at an operational level in driver supervision and we deeply regret the opportunities that were missed to act decisively on emerging warning signs”.

Since the accident, Midland Red (South) has introduced a significantly more robust safety regime than what is required by law. Medical testing is now more frequent and there is a pre-medical review for older drivers, with appropriate checks being carried out every six months rather than on a statutory annual basis.

Stronger measures controlling working hours have also been put in place.

Jez Strong, general manager for Tele-Gence, commented: “All these changes following the accident don’t erase the fact that this whole episode may never had happened if warnings from the telematics company had been acted upon.”

Your business can benefit from affordable telematics with no hidden start-up fees or long-term commitments. Find out how at

Van Excellence report highlights less than excellent driver supply

Van Excellence report highlights less than excellent driver supply

A range of issues in the haulage sector including driver shortages and mental health concerns have been highlighted in the 2018-19 Van Excellence report, which has just been published.

One key finding of this year’s report is that a shortage of drivers could hold back expansion in the freight transport sector.

Van Excellence is a scheme run by the Freight Transport Association (FTA) and the body’s head of vans and light commercial vehicles Mark Cartwright noted that the van market has been growing “consistently” since the end of the 2008-09 recession, with the “versatility and flexibility” it has demonstrated helping progress.

However, he added: “While there are many opportunities for further growth – such as booming online delivery services – there are also challenges ahead which all members of the vans sector should be aware of and prepare for, most notably, the increasing shortage of van drivers.

“One in five van drivers, operators or owners believes a van driver shortage could prevent their businesses operating successfully over the next year.”

As in so many other areas of the economy, Brexit is having an impact, as a large number of people from the EU either decide now is the time to leave, or cancel plans to move to Britain.

Mr Cartwright observed that this is definitely having an impact on the van industry as uncertainty over worker rights is causing fewer EU citizens to take up or stay in jobs in the sector.

This is borne out by the survey’s statistics, showing that in 2017 only 7.3 per cent of van drivers were from the EU, compared with 12.9 per cent in 2015.

A potential Brexit-related shortage of drivers was not the only problem identified in the report. Another was mental health, with many drivers suffering from problems.

To make matters worse, more than half of those interviewed for the study said they did not feel they could openly discuss mental health issues at work, prompting Mr Cartwright to outline Van Excellence’s commitment to dealing with the problem.

This includes a joint initiative with the Campaign Against Living Miserably to advise drivers about the support available to them.

Ellie Baker, brand manager at Fuel Card Services, comments: “This report highlights some very worrying issues and the industry is quick to tackle them.”


Telematics helps slash teenage driver casualties fall by a third

Black box telematics insurance policies have helped dramatically reduce the number of young drivers killed or seriously injured in road traffic accidents.

Since 2011, road casualties involving drivers aged between 17 and 19 have dropped by over a third (35 per cent), compared to 16 per cent for the driving population as a whole.

Over the same seven years, the number of live telematics-based insurance policies has grown every year from 90,000 in 2011 to 975,000 in 2017. In short, that’s an increase of 983 per cent!

Additionally, road casualty rates in 17-19 year olds dropping by a third comes despite a ten per cent increase in the number of vehicles on the road between 2011 and 2016.

A spokesperson from LexisNexis Risk Solutions, which published the data, said the downward trend was fuelled by the increasing availability and adoption of telematics insurance.

“Young drivers remain the riskiest drivers on our roads but the insurance sector deserves a great deal of credit for developing an insurance product that encourages safer driving and delivers fairer pricing to young drivers based on their road behaviour,” they commented.

They went on to suggest that the safety benefits of telematics weren’t tied to age, adding: “The analysis provides evidence that telematics has had a real impact on the safety of young drivers and the potential it therefore offers to improve road safety standards for all motorists.”

Experts estimate that the cost of offering telematics has fallen by as much as half since 2013, while four in five consumers are comfortable with the idea of telematics insurance.

Jez Strong, general manager for Tele-Gence, commented: “It is encouraging to see that telematics is providing young drivers suitable insurance designed to meet their needs and reduce the number of young driver casualties.”

Your business can benefit from affordable telematics with no hidden start-up fees or long-term commitments. Find out how at

Diesel dogs: Half of van drivers bring along their pooch

Life on the road can be lonely at times, but new research has revealed one way in which van drivers are combating the solitude: by bringing along a canine companion.

On any given day, the average professional driver spends over 17 hours completely alone, with over a third (35 per cent) spending at least 20 hours in solitude.

Mental health and driver wellbeing has become more of a focus than ever before, so drivers are turning to ‘man’s best friend’ to raise their spirits, with one in five agreeing that their dogs have had a direct positive impact on their mental health.

Out of the 2,000 van drivers and owners surveyed by Mercedes-Benz, almost half of them (957) take their dogs on the road (47.85 per cent). With 451,000 people identifying van-driving as their main occupation, this means there could be over 200,000 dogs on the road in commercial vans on UK roads at any one time.

Why are van drivers bringing their dog?

More than half of them (52 per cent) say they have their pooch in the passenger seat simply because it makes them feel happier, while 45 per cent feel more relaxed.

One in three (33 per cent) say their dog simply helps them get through their day and a dog can even be a valuable team member with over half (53 per cent) revealing that having their dogs with them has actually assisted in winning new business.

Nearly two-thirds (65 per cent) of UK van drivers and operators own at least one dog, with 36 per cent of those having more than one.

Steve Bridge, managing director of Mercedes-Benz Vans, said: “It’s great that our canine friends can join the nation’s hard-working van operators in the vehicles, providing much needed company along the way.”

However, Mr Bridge stressed the importance of suitably restraining dogs, according to the Highway Code, with a seat belt harness for example.

Ellie Baker, brand manager at Fuel Card Services, comments: “Congestion in the UK is such a problem that the average driver gets stuck in traffic for up to 13 hours a day, so having such cuddly company means it isn’t a dog’s life for van drivers.”

At FCS Europe, our people are the heart of our business and we are constantly striving for excellence.

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