Optical character recognition also optical character reader, OCR is the mechanical or electronic conversion of images of typed, handwritten or printed text into. Home Solar Panels With Battery Storage Where To Buy Solar Panels In Nj How Many Homes Have Solar Panels In The Usa solar. Solar. Best banks for small business loans. By. Helen Loveless, Mail on Sunday Enterprise Editor. Updated. 1. 6 4. GMT, 1. September 2. The relationship between a small business and its bank is never more important than in difficult economic times. Flexible Nigel Lyon, left, set up a loan with Aldermores Mark Williams. Cheque_Printing_Software.png' alt='Cheque Printing Software 6 Crack Download' title='Cheque Printing Software 6 Crack Download' />Yet with funding harder than ever to access, this relationship has been strained. But the banks claim they still want your business. So what do they offer small firms RBS Natwest. RBS and Nat. West have 1. Start ups are given two years free banking, specialist help and advice. A free online course on startups is also available, as well as online guides. Firms can access free planning software or review their business online. Rates on loans and overdrafts are decided case by case, but a spokesman says We recognise that access to affordable credit is key, which is why the interest rate is below 4 for most of our new small and medium sized enterprise lending. Overall, 9. 8 of small business lending is below 7. There is a monthly fee of between 3 and 6. Nat. West and RBS have pledged to cap annual lending fees at 1. Barclays. Barclays Business has 7. It offers up to two years free banking for start ups. According to Steve cooper, head of small business lending, the vast majority of small business customers are paying 5 or less for loans and overdrafts, but rates could be as high as 2. Web To Date 8 Download Crack For Idm there. Businesses have access to a support line as well as consultations with experts. Barclays also runs a nationwide programme of face to face seminars and a free online credit management service, Credit. Focus, which lets firms credit check potential customers and chase outstanding invoices. Barclays says that 5. HSBCHSBC has more than a million small business clients. Its account is open to firms with a turnover of 2m a year or less. Start ups or firms that switch to HSBC with a turnover of under 1m, receive 1. HSBC, with overdraft rates from as little as 2. Firms have access to business specialists in branches and free online support. Huw Morgan, head of business banking, says We are working closely with companies across the UK and helping businesses to make the most of opportunities to trade in domestic and international markets. Lloyds TSBLloyds TSB has a million small business customers. Its range of business accounts includes one for start ups, as well as an Islamic account, with free banking for six to 1. Firms can download free planning software and guides. The bank runs regular nationwide seminars on issues from employment to exporting. Unlike most banks, lloyds publishes lending charges on business accounts on its website. Growing Andreas Giencke runs five practices thanks to a Lloyds loan. For example, those signing up for the Business Extra account pay a monthly fee of 5, and 5. The cost to firms of running an authorised business overdraft with lloyds ranges from 7. The charter capped arrangement fees on loans and overdrafts at 1. Dr Andreas Giencke bought his first dental practice in Teignmouth, devon, in 2. The den dental Group has just opened its fifth surgery in Sidmouth, funded by a six figure loan from lloyds. Giencke, 4. 1, had a business account with RBS but changed to Lloyds in 2. Understandably the banks have become more cautious, but RBS failed to understand the business of dentistry, whereas Lloyds did. Santander. Santander, the Spanish bank that took over Abbey and Alliance Leicester, says it is keen to raise its share of the small business market. It offers two accounts for firms with a turnover of 1m or less a year. Both offer free dayto day banking to firms. Firms with the A L account can also make unlimited free cash or cheque deposits or withdrawals, while these are limited on the Santander account. In contrast, the other High Street banks charge between 5. Withdrawing cash from the other High Street banks will also cost firms 4. Metro. When Financial Mail contacted Metro Bank it refused to provide any information on its small business account on the ground that it was concentrating on its existing customers. Aldermore. Aldermore private bank was set up by Phillip Monks in 2. It has just over 1,0. The bank also offers savings accounts to the wider public and recently began offering mortgages. It uses the retail deposits to fund the lending. One customer is Nigel Lyon, who founded Birmingham printing business Pinstripe Print in 1. Nigels clients include Calor Gas and pub group Mitchells Butlers. To expand the business, Nigel, 5. Aldermore. The money is drawn against sales invoices before the customer has actually paid. This meant that Nigel could buy out Stratford upon Avon printing firm Edward Fox. Nigel says As a second tier lender, Aldermore is more flexible than the banks, I have a good relationship with them and feel they understand my business better. Mark Williams of Aldermore says It is hugely encouraging to see a regional player thriving and achieving both organic and acquisitive growth.