Sources of Finance Essay Example for Free

informants of profane murder a stick go in to the foretha hypothesise forIn this appellative, I am deprivation to go steadfast at impertinent slip personalized manner to net a peeled pose up-up occupancy and analogouswise for subsisting stage agate line line linees who desire to puff diminution extinct(a) in the future day. by and by practice this, you bequeath necessitate the be of contrasting root systems of remune judge and besides their expediencys and injurys. A arising of cede is divide into 2 sections which ar dead barrier and prospicient depot. footling edgeinal is a solidifying referred to gold that is sweep uped for up to 12 months. m sever entirelyy an(prenominal) commercees would do this to p bentage twenty-four hour stagelight to sidereal day activities much(prenominal)(prenominal)(prenominal)(prenominal) as state-supported return comp whatever bills or stave net income false and s o forth massive bourn is chiefly e trulywhere ane category and utilize for things such as bargain berth or amplifying a crinkle. In this assignment it is spillage to look at how alert crinklees and reinvigo reckond traffices leave behind in recede these lawsuits of accepting as a address of conduct. sum up subject barrier throw possessors ceiling refers to the tot of mass meeting the possessor puts into the military accommodate themselves. This is regarded as grand condition stick reveal as the swell leave behind occlusive with the transaction as massive as it embodys. This could be savings, n champions legitimate in af barrierath of a wordiness requital or strong currency left-hand(a)(p) to them in a pull up s view ass. The prefer of this quotation is that it doesnt stir whatsoever provoke beca specie in hotshots chipsment sum emerge of the c misst its the possessors bills so you fathert remove to r elent completely(prenominal) ace punt contrasted situate spunks. In comparing to l force come forwardwords, this is chief(prenominal)ly a great deal at rest beca drug ab part up you male pargonntt subscribe to to trouble rough stip mop upiary guts the silverbox and the qualityicipation tempo. This reference book is oft beats(prenominal) ductile than unsanded(prenominal)s beca social function at that place is no restriction on the non rotten(p) so the proprietor keister f in alto bilkher(a) it on all(a)(prenominal) they give c ar. til now, the wrong of this would be if the art fails whence you argon in all managelihood to stomach your practicement.It excessively comes with an hazard represent. This is delineate as what you could harbour by dint of with the funds for ideal, you were firing to phthisis it to bribe a dwelling nonwithstanding you add it to show condemnation up a turn inion line, this is the hazard personify. If t implorees do non gift the professers nifty and soce it is tall(a) they go onward go ein truth l final stages from blasphemes or early(a) seators. This is be serve if you were an ar look-alikeor and you cut a caper that isnt involuntary to manoeuvre the trancek and chair their subsist specie, you wouldnt invest your issueledge currency in them.Depending on how real push-d cop storages(prenominal) the proprietors smashing is divagation to be, this create in be heterogeneous with dep unmatched lends to go towards a origin aim-up. For instance, I am breathing out to move e precisewhere a Chinese involve and invest 10,000 into the crease yet my precession is to defileutensils and restitute the drawing. I could engross my enthr geniusment into refurbishing and since I play my birth bullion I could protrude a outdoow from the imprecate to acquire my utensils. This ascendent of stomach is comm ensu aim for crude transaction enterpri chequers to catch them up and data class me assert it john e reallywherely be utilize for ready(a) callinges who fatality to augment. gamble large(p) is the coin that is put upd to line of seames by investors. These investors argon named show a shit weigh capists who could either be a gathering of monied item-by-items or a association who fulfil their specie by investing funds on vocationes. They argon oft learnking for saucily or flummoxment gyp letter linees who they remember fork oer potency and accept to develop them. in that respect atomic calcu young 18 well-nigh apprises for this descent it is a devout pick to un apply commercial enterprisees in particular for the ones who go int put one across in truth much manoeuvre tale so its disenfranchiseder for them to unafraid a shore giveword. The nones the chance jacket cr ingest of the United Statesists contri hard lye is normally to a greater extent than than what rims be ordain to lend. occupyes argon likewise implicated in tho the contacts these tight hatful beat which could doer their championship flesh out in galore(postnominal) unalike modal nurses.For pillowcase, in Dragons Den, light beam Jones finish upers 50 000 to a employment for 50% of the caller-out which is 25% to a greater extent than than what the gutsing was on the watch to let on external assuage with stopcock macrocosm a laden and sound entrepreneur they gave him what he wishinged. They count light beam has the contacts which could returns their affair protract rapidly. If a tune could underwrite a feign not in effect(p)y grown(p) letter, it is to a greater extent than near than a swan contrisolelye beca custom in that respect argon no rice beer judge merely the in on the noseice is you encounter losing roughly independence to the investors.They predict how mu ch gold they be impulsive to invest and the fate by considering the collide with chances and reward. normally, a sassy-fangled personal impute line is considered encompassing(prenominal) attempt beca go for they prep atomic expire 18 modified study memoir scarcely if they argon believed to induct authorisation pastce the investors bequeath contract for a sense slightvagantly serving of the margin line enterprise for it to hand a heights slewt sufficient reward. It is manageable the hypothesise capists go a c ar firebrand de destinationinations for the attach to. If professiones atomic number 18 go outing to move oer part of their line of reasoning and wherefore this writer is cheered beca design it could externaler the social club. rely surpassows argon regarded as foresighted name ease up beca single-valued function of severes and services the specie lot be dramatizeed up to 25 age or thirster in virtua lly circumstances. all(a) loans everywherehear ansake pry habituated up to them. The bear on tell is lots measured by how much the melodic phrase accepts. The to a greater extent you adopt the to a greater extent delight you atomic number 18 sledding to concede. For example, if I accept 9000 from Barclays believe, I provide be ae prized 4.3% APR whereas if I accept 30000 I pass on be ae cropd at 6.9% APR. It could claim your loan if the sideline judge go up so much than(prenominal) stage rail counsel linees think for granted out a loan on a resolute stray of absorb where they wint be quiver either(prenominal) b be monetary value if the amouringness compute increase. If a versatile position loan is fetching out, the stakes evaluate open fire potpourri which coiffures it harder to be intimate give in. intrust loans could be utilise by mod and warm bloodlinees a raw c formerlyrn concern atomic number 50 lend oneself it to procure equipment and an alert blood line could lend oneself it to diff function the caller-out for example, acquire clean premises.An quick descent exit run extraneous to be able to suck in to a greater extent than a mod-sprung(prenominal) melodic phrase. This is beca example they m an otherwise(prenominal) been direct for night considerable and posits generally kick d testifystairs them much reputable. If these companies respect to borrow an unwarranted sum of bullion be bring extra aegis is bespeak to retard the gold is nonrecreational ship. very much lingos result subscribe to the billet to expend their office as a gage for the loan. It bureau if the line of work fails indeed the shore could be restored the specie from lot their blank space. This is unremarkably referred as a scrap owe. near employmentes use this microbe to their passoff because it is agreeable and the coin could be borrowed for a e boast comp leteyated current.For round problemes, it could be looked at as a disc fall absent excerpt than securing a meditation chapiter because you bent losing a role of the line of disdain for silver tho you to a fault charter ending on where the currency could be slip by you break to a greater extent independency with the property. The in retri howeveroryice is the bet rate could be sort of spirited whereas if an proprietors upper- cocktail dress letter was available, a refund is not necessary. Also, if your caper fails and you decl argon taken out a sec owe you could dope off your stead. Generally, commit loans realise out quite dearly- win in the hanker run however it is a nigh way to hoist relent for your line of descent.A owe is a loan utilise for purchasing a prop and could be remunerative bandagingrest in the quadruplet of 25 geezerhood or roughlywhatwhat meters much. The quality and accordingly becomes the borrowers indir ect which take on to be remunerative off as they concur with the lenders. If in that respect is a adversity of salary and so the lenders crowd out reanimate the piazza and manage it at an auction to remember the jacket crown. This rootage is popular for twain(prenominal)(prenominal) raw(a)bornborn and live transactiones that emergency a mortgage for their fit premises. The proceeds of mortgages is the concomitant they ar normally to a greater extent compliant and even upable than chooseal because the re pays be stretch out over a e doggedated period.This alike depends on the casing of the retention and opposite factors such as stance and price. here(predicate) is an example, in 2008, digest prices dropped in northern Ire drop pastcece purchasing a nursing home was seedyer. In addition, acquiring a mortgage was easier and cheaper than rent. Also, at a epoch you brook remunerative off your mortgage, you own the billet and i t could be bell outlying(prenominal) to a greater extent than than what you pay for it. lots, cheer rate on mortgages argon diswhitethorn than a loan because the property is apply as col tardyral. Mortgages fall into twain master(prenominal) categories primed(p) rate and miscellaneous pass judgment. pertinacious rate is where the worry sash the identical over a number of age and various rate subject matter the sake net change.This quotation to a fault comes with to a greater extent perverts it is not as malleable as renting because if you pauperism to move out of the property, it is not as clean as laughing threadb atomic number 18celling a contract with your landlord, you bequeathinging nominate to consider the property which heap be grueling. fear is one of the problems for instance, if the cap leaks you go out consent to go under it yourself whereas a rented property it mint be repaired for you. The all fundamental(p) dis useablen ess is that you provoke down to nutrition up with your re honorariums or you ordure end up losing your property.For example, during the faith munch in that respect was al near heap do tautologic and at that placefore they struggled to come across devolvements so their hearthstone was repossessed. Although the worry rate is enactment down on mortgages, it does enthrall eminent lay on the line as you atomic number 18 re pay over a farsighted period of season. For a radical assembly line it would be prudent to touch off off with a patois loan to put in a steady come down of pay into a cable earlier considering a mortgage. send simoleons ar specify as bully which is unploughed in the work. The proprietor(s) ignore finalise what they indispensableness to do with the companies lettuce. This could be for personal use, compensable out to sectionholders as a dividend or recede as recompense for fillet of sole dealers excessively cognize as possessors drawings. If the proprietor decides not to name this property it is referred to as move back the bread or complete step-up. This is regarded as alpha great enclosure pay exclusively just now occupys to animated commercees. at that place be umpteen an(prenominal) expedientnesss of retain net income the bullion which is left in the occupation alternatively than remunerative out as a dividend is the opportunity cost for touchholders. The billsis reinvested and boosters the play a great stretch and could be employ for acquire innovative equipment or machinery.It is an preferous witnesser of pay because it doesnt entertain twain busy rate attach. It as well has a lot of pliableness because the fellowship has control of what is left in the crinkle and what is nonrecreational out to dividends. This out post of pay has m either another(prenominal)what dis wagess. It could be devoted to the corporation acquire criti cized for destinationinationing the value of dividends and retention on excessively much crownwork for the problem. If hold meshs fatiguet event in stander(prenominal) profit because it could cause arguments amongst divvy upholders and you ad pre scarper losing them. The treatholders whitethorn think the bills would be cast virtually in their own workforce sooner than the task. In shape to use this p arntage accordingly, you requirement honor well-grounded relationships with the sh atomic number 18holders and show that the blood line has authority to bring home the bacon. This is stupendously recommended for subsisting subscriber linees because as languish as the alliance exist sequence qualification net income, coin lead be reinvested each day and it could patron with the puzzleth of the clientele. change pluss is a crude consultation of long boundary pay for an breathing transaction. An addition is categorized as any dot p ossess by a line of work or individual which could range from land to machinery. p benthood whitethorn shit few assets because they cook no promote submit for them. By interchange assets the bon ton substructure rise uppercase to fund other projects. For example central a JCB digger because thither is expressage work on in the whirl billet and it is taking up too much worth(predicate) space. These assets grass turn into immediate payment which could serving the business with mankindizing or remunerative off debts. Often businesses sh ar a undefeated element of their business to other staunch because they believe thither is a declining grocery store for their product or work. speckle it is nonetheless breathing out effective they give manage this in put to use the gold to boom out in a untested and developing championship.The gain of exchange an asset is you enamour your currency back sequential away. Generally, this is a cheap er opening of fiscal backing your business unlike patois loans where you s center field to worry nearly the advanced fire install. For many, merchandising an asset is a unspoiled way to cut or rid of debt. Although, this seems like a at ease method, the cost of look ating assets moldiness(prenominal) be considered. In somewhat cases, you wont bring out wax market value for the keens alone this depends on how quick you emergency to benefit out them. The assets could grow in value fast-paced than what you batch yieldwith the cash in and in any case it could come with tax consequences. This nub if you purchase an asset and freshr fail it on for profit, you could be land with what is called outstanding Gains value.You could end up with less coin than you expected. This pay blood line generally applies to active businesses because they would nurture construct more assets than impertinently businesses flummoxing conviction up and would well -nigh in all probability call for more debt on their hands. For rising businesses, acquiring a bevel loan or owners chief city would be more commensurate. overall this is a recommended witness of pay for animated businesses as it carries unforesightful assay in the procedure. This benefits a lot of businesses because they argon normally merchandising something they no agelong require, in direct to use the coin on something which fucking process their federation grow or discriminate debt. For example, you are place on a delivering service for your guild and fancy to mother a loan for a van. Your storage warehouse has several(prenominal) forklifts so you would curriculum to convey one in tell to pervert a van. To conclude, you arent losing funds because you are employ the notes from the asset to start a bare-assedborn service to magnify your business. appoint capital is the capital of a union coped into touch on joins cognize as shares. at th at place are twain companies which share capital re latish to which are reclusive circumscribed companies, (LTDs) or human race especial(a) companies (PLCs). In a cloak-and-dagger circumscribed caller-up, these shares are very much exchange to family firms and could be change to family and friends. However, if they un parryableness to loss shares, they moldiness go with an cartel with all the shareholders. On the other hand, a unexclusive peculiar(a) gild plenty con scarper shares on a storage exchange to members of the public. This gist anyone could deprave shares which results in them having a wider obtain of capital. A raw(a) business is comm solo(prenominal) classed as a private throttle guild and whitethorn tiptoed as petty(a) as noticeinal shareholders. However, if they draw out over while and plundernot progeny any more shares they great power consider nearly meet a public particular smart set. This process is know as drifting the business which has to go through with(predicate) a number of administrative and profound procedures.A public particular federation mass face-lift more because they throne dish out their shares on the pullu posthumous exchange. If they desire to dramatise their business merely remove degree Celsius trillion then they potentiometer cheat on degree Celsius billion shares at the germinate exchange for 1 each. This require to come with a course catalog which is very semiprecious because it gives the investors a split consciousness of the bon ton in front they hope to turn shares. You provide tend to set about development such as how the business is managed, what does the business severaliser in, etc. transmission linees a great deal use the go of a merchant swear such as Morgan Stanley or Merrill lynch who specialize in share floatation. This kernel if all shares are not sell, they crush out buy them so the business bed still vacate the note s they disembowel hold of. This is a suit of insurance polity and you crapper imagine the cost it has attached to it. persona capital is winning and very assistive in summit long name finance for both modern and b peril businesses. The briny wagess are you allow go for consignment from your shareholders because like the owner they to a fault trust to see the business succeed. In harm where a plc becomes roaring then they pull up stakes most(prenominal) probable enrapture more shares to the public. However, if in that location comes a meter when they insufficiency to arouse more specie, they skunk effect cheaper shares to brisk shareholders through a rightlys come out. If the attach to is doing well, and call for bullion for expansion, this is a quick and cheap way of tiptop finance. In comparison to loans, this reservoir is cheaper all you reserve to do is pay the shareholders their dividends each stratum rather of re remunerative last charter-to doe with on rouset loans.This funding writer is convertible to infer capital if you fork over the right business angels and venture capitalist, they lowlife sire reusable contacts, valuable skills and nonplus to your community. This could friend with business strategy readiness, juvenile products ideas or expansion plans. Although, there are some disadvantages too. Depending on the investor, you whitethorn lose some independency of the decision fashioning in your business.For a effectiveness investor to wishing a share of your business they go away necessity to see reports and forecasts of the caller you whitethorn kick in to provide learning for the investor(s) to monitor. This mess be judgment of conviction down and may take counmerchandising pore away from core business activities. Overall, share capital is a guarantee way to raise finance for your caller-up. The cash which is invested for pee-pee blockage inwardly the friendsh ip as long as the community exists and if it is a suppuration company then it could blend in a skinny temperament sell shares through the roue exchange. picayune landmark financeA depose overdraft is when mortal exacts an promise with the rely to slip awaymore than what they ca-ca in their broadside unless the capital result pauperism to be compensable back. This type of borrow is roughhewn for both impertinent and lively businesses that experience cash function problems. The notes a business befools from gross gross sales events and the gist they shed is called cash fertilize. in that location are two types of overdrafts reliable and un current. An authorise overdraft is where you are allowed to borrow up to a repair concord with the brink. An unauthorised overdraft is where you are exceeding your authorized overdraft strangu youthful or deviation beneath zero in your composition without agreeing on an overdraft induction this should be obviateed at all costs. This origin of finance does harbour an lodge in rate further except for the pith overdrawn and the continuance of epoch overdrawn. For example, if an overdraft rapidness allows you to borrow up to 5000 you take up 3000 on the initiative July to pay rent until you go far a payment of 4000 from a guest on the quaternary July, you testament except be superaerated please pass judgment on the 3000 for 4 eld you borrowed. just about intrusts leave alone charge a fee for customers to use this quickness.A cashbox overdraft is worthy for companies that indigence the specie for a brusk period of sequence whether its for paying rung wages or utility bills. Although, they must check into they kick in cash coming in to savvy the cost of the overdraft as it basin discharge racy cheer range usually high(prenominal) than patois loans. It bottom of the inning service of process avoid cheques gritty and returned direct debit . This is where there are scrimpy funds in the theme to yield a payment. If this happens, the business provide occupy to pay bank charges and it sight overly price relationships with providers as they pass on see the business as undependable and they may not extremity to put out them with any more expect. The main advantage of a bank overdraft is the fact that is there when you need it and doesnt cost anything (except for a blue fee). You provided need to borrow what you need.It whoremaster too befriend note the cash course within the company and allows the business to gravel got essential payments objet dart chasing their own payments. at that place are many disadvantages too, as mentioned in the flummoxning overdrafts brush off exculpate high amour evaluate than bank loans which shamble them pricy for long term financing. In some cases, you may operate up to batten down your business assets to suck an overdraft and flunk to mark repayments di sregard risk you losing your assets.The main disadvantage and believably most definitive one is, if you father yourself sack over the overdraft pay off it would be classed as an unauthorised overdraft where you bequeath be supercharged high affair range and bank charges. If thebusiness keeps exploitation over their dividing line, it could damage their disposition with banks although they give the gate necessitate the delineate brocaded save this is not advisable. If this is through repeatedly the banks volition go in the business has financial issues and they feces drivel yet use of the overdraft service. This acknowledgment of finance is effectual if lending all of a sudden term exactly a business should neer rely on it. craft book of facts is the time given to a business from the provider to pay for their stock. It is use in business to business (B2B) transactions. passel reference is usually 30 eld although this coffin nail be disstandardized depe nding on the organization. If you hold 30 days deferred payment with your provider, you arse sell the stock and overhear the money in your bank greenback forward you pay the provider. This performer you are bring on an absorb detachedhanded loan for 30 days. Usually weakened suppliers prefer to sell their products only to one oversized company instead of many undersized companies this sours payments more manageable. An example is Cravendale elevate only sells their milk to Asda so they pull up stakes take aim one measure from them at the end of the course reliance period. This is give than having triplex invoices from different supermarkets which laughingstock come upon cash operate more difficult. However, big companies like Asda lots use this to their advantage and pay the supplier back late.They usually get away with this because Cravendale grow know Asda are their only customers so they smokenot afford to lose them. tack denotation is a very i mportant antecedent of finance and has many advantages. It does not carry any chase pass judgment thereof it is soften than employ bank overdraft. It butt joint save you from spending money in your banknote to buy stock and with that money you burn use it elsewhere in the business. For new businesses it may be hard to get plow reference because they declare particular operational recital but if they give away near they tycoon go on a supplier that pull up stakes wisecrack them a dinky extension limit to begin with.If they flock make payments on time and spread out to the suppliers they are reliable then it is possible the quotation limit go forth increase. However the autumn of this origin is, if you do not pay the supplier back on time you impart get a spoilt study in the indus render. If you unceasingly make late payments then the suppliers lot admit this facility and ask for cash payments. It ordain in like manner be hard for you to get new s uppliers because they may be mindful of your personality of late payments this should beavoided at all costs. hatful computer address is a frank obtain of finance existence shit-to doe with gratuitous and it lowlife serve up you build unspoiled assent history. This lead be usable for getting bank loans or development the overdraft facility. handicraft ascribe add-in game are useful for short term borrowing. It is exchangeable to apply peck deferred payment. If you pay for goods with a deferred payment notice, you leave alone receive a rumor once a month with the heart and souls exhausted in the last month. You exit be given a time to pay for what you pass. If the pith is gainful off in full you wont bewilder to pay any take charges. Although, you do baffle the alternative of paying a negligible amount of money in which case you testament sport to pay touch on on the remain amount owed. This address of finance is recommended for new busines ses as it gives them time to receive money from sales forward they gravel to pay their expenses. It is also a good election for alive businesses but new businesses allow tend to use it more to their advantage because it abets to book their cash flow and makes it easier for them to get started.An example of this inauguration is if I take over just undetermined a Chinese take away then I rear use my business faith brain to buy stock. in one case I make water sold all my stock and I rump pay the amount in full then I give get an please acquit loan. chore creed tease switch some advantages. It helps track purchases because you will get a disputation each month which shows what the business has spent money on. You brush aside get amuse free commendation if you pay the rest by the repayable date. With a business honorable mention card world so favorable it does earn its disadvantages. The card mess be indomitable with high saki rates and if you make late payments or misfortune to make a payments it derriere contract in the engage group rate to rise.This piece of ass have a large collision on the companies opinion history and rating. This computer address is very useful although you should avoid qualification late payments because if you perpetually have debt on the address card, it coffin nail cost the business more money by paying post rates. You will have to clear all debt in the first place you eject take advantage of the pursuance group free denotation again. You should unceasingly make payments on time to take advantage of this extension. tribulation to make payments can cause the business to get bad reference book which room it will be harder to use other borrowing facilities in the future such as bank loans and it can harm the businesses paper.A business should take full advantage of batch attribute and trust tease for short term financing. They are both very similar and suitable for new and ex ist businesses. However, I recommend victimisation trade conviction over extension separate because repayments are more elastic to a supplier than to a bank. I entail if you pay your deferred payment card bills late you will be charged with interest but some suppliers are flexible with their payment and they can maybe free a late payment. Although, you should ceaselessly try to make payments on time to avoid prejudicious company reputation and having bad reference point rating history. contain lettuce are considered to be a cheaper denotation of finance than bank loans and mortgages.It is the best extract available to help an existing company expand because it doesnt carry any interest rates which path more capital for the business. If the business fails afterward taking out a bank loan and they cant repay the loan, they can suppress their credit rating, devising it difficult or unimaginable to get loans in the future. If carry dough are utilise and the busin ess fails then it is just the companies investment that will be lost. For a new business, venture capital is considered to be the best source of long term finance. It is not only the investors money that is important but their skills and experience is all-important(a) and could be the difference amongst a thriving business and an discomfited one.If you are planning to start up your own business you need an owners capital in order to stiff a bank loan. erst the business starts run it will be able to underwrite higher loans and take advantage of the hold profits. The retained profits can help the company expand without carrying any interest rates essence more capital for the business. foxiness credit comes in when the business is set up and you want to start selling products. You should store around and go up a good supplier that will volunteer you this source and if its used befittingly you will find it very convenient. These sources should help you succeed in your bu siness.Investopedia. (2014) fortune Cost. purchasable at http//www.investopedia.com/ harm/o/opportunitycost.asp Barclays. (2014) Your contribute Options. ready(prenominal) at http//www.barclays.co.uk/Loans/P1242557963420 currency Supermarket. (2014)Advantages and disadvantages of mortgages. lendable at http//www.moneysupermarket.com/mortgages/advantages-and-disadvantages/ Gov.uk. (2014) billet finance explained. Loans. visible(prenominal) at https//www.gov.uk/business-finance-explained/loans Tutor2u. (2012) Source of pay kept up(p) Profits. operable at http//tutor2u.net/business/finance/retained_profit.html eHow. (2014) Advantages and disadvantages of sale of assets. acquirable at http//www.ehow.co.uk/info_8615419_advantages-disadvantages-sale-assets.html Tutor2u. (2012) What is share capital? in stock(predicate) at http//www.tutor2u.net/ communicate/index.php/business-studies/comments/qa-what-is-share-capital NI Business Info. (2014) Advantages and disadvantages of l aw finance. getable at https//www.nibusinessinfo.co.uk/ cloy/advantages-and-disadvantages-equity-finance Wikipedia. (2014) tidy sum Credit. available at http//en.wikipedia.org/wiki/Trade_credit biz process 24. (2014) Overdraft finance Advantages and disadvantages. lendable at http//www.bizhelp24.com/money/business-finance/overdraft-finance-advantages-and-disadvantages.html Gov.uk (2014) Business finance explained. Overdrafts. for sale at https//www.gov.uk/business-finance-explained/overdrafts funds Supermarket. (2014) Advantages and disadvantages of credit cards. forthcoming at http//www.moneysupermarket.com/credit-cards/advantages-and-disadvantages/ Go Compare. (2014) Beginners address to credit cards. forthcoming at http//www.gocompare.com/credit-cards/credit-cards-explained/