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Anglian Commercial Finance is a one stop shop for the financial activity of your business.

We specialise in responding to the needs of small to medium sized businesses.

We can help you protect and grow your business using our individually tailored financial services to suit your particular needs, cost effectively and efficiently.


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ACF works with you to understand your business and your customer expectations.

We are authorised and regulated by the Financial Conduct Authority (FCA)



Anglian Commercial Finance a trading arm of Nationwide Debt Solutions Limited registered in England No3895407

Created and Maintained by Aztech Business Systems Ltd.

EMPLOYERS UNCERTAINTY IN ECONOMY Employers are losing confidence in the economy as Britain remains mired in political uncertainty, a survey suggests. A growing number of businesses are operating at capacity and hiring intentions remain stable, yet optimism about the countrys economic prospects has fallen to the lowest level since mid 2016, the Recruitment and Employment Confederation said in its monthly report. The body represents more than 3,500 recruitment businesses and over 10,500 individual recruiters in the public and private sectors..In its survey of about 600 recruiters, a net balance of -34% said that they were optimistic about the economy.

CHRISTMAS BOOST FOR RETAILERS Retail sales appear to have held firm this month amid signs of optimism on the high street as stores gear up for Christmas. According to the CBI, sales volumes have been broadly unchanged in November, with a net balance of -3% of respondents reporting increases sales over the year, the highest figure for seven months and better than the -10% forecast by analysts.

BUSINESS ACTIVITY FALLS The economy is on course to shrink in the final quarter of the year, after a closely watched survey indicated that business activity has fallen in November at its fastest rate in three years. Both service and manufacturing sectors have contracted as concerns about Brexit. and election uncertainty hurt demand, according to the new flash purchasing managers index from IHS Markit and Chartered Institute of Procurement and Supply. The flash PMIs are based on about 85% of the responses usually received when the final readings are published two weeks later.City economists had been expecting a composite reading of 50, but the figure has come in at 48.5, the lowest reading since July 2016.

HOUSING BUILDING Housing supply in England increased last year at a higher rate than at any time in more than 30 years. There were 241,130 homes added to the countrys housing stock, of which 214,000 were new build properties. It is the highest number of new homes in a year since 1987.

JOBLESS FIGURES Jobless figures fell 23,000 to 1.3 million in the three months to September, reducing the unemployment rate to 3.8%. However, the number of new hires fell at this fastest in four years. The number in work fell by 58,000 to 32.7 million in the quarter.

CONSUMER CONFIDENCE Britons are losing confidence in the economy and are growing increasingly pessimistic about the state of their personal finances, offering a clear sign that political upheaval is damaging consumer confidence. The GFK consumer confidence index fell from -12 to -14 in October and has been stuck in negative territory since March 2016, during the run up to the European Union referendum. Household spending accounts for almost two thirds of national output, so caution here can be a precursor to a slowdown in national growth.

INSOLVENCIES The number of PEOPLE entering insolvency in England and Wales between July and September rose to its highest level for a decade. There were 30,879 personal insolvencies in the third quarter, up more than 22% on the same period last year and the highest third quarter number since 2010. COMPANY insolvencies rose for the third consecutive quarter to 4,355, up 1.6% on the same period last year and the highest since 2014.

CAR MANUFACTURING The number of cars built in Britain fell again in September as a slowdown in global demand and political uncertainty held the industry back.Car production shrank by 3.8% year on year to 122,256 according to the Society of Motor Manufacturers and Traders. Output has been in decline since last June as manufacturers battle falling demand for diesel vehicles and a slowdown in the vital Chinese market. Uncertainty surrounding Brexit also has contributed to lower investment in factories,while spending on planning for a no deal Brexit, estimated to be 500 million, has deprived cash from essential investment in new products and facilities.

BRITAIN IN TOP TEN Britain has retained its place in the worlds top ten markets to do business as the government prepares companies at home and abroad for Brexit Britain edged one position higher in the overall rankings, from ninth to eighth, overtaking Norway.

MANUFACTURERS BRACE FOR COLLAPSE IN EXPORTS Factories expect their exports to collapse next year as pessimism grips the manufacturing sector. Confidence among manufacturers about exports has fallen more steeply than at any time sine 2001, according to an industrial trends survey for the three months to October. Jobs fell at the rate since 2010 and investment intentions were at their most negative since the financial crisis.

RETAIL SALES WOE Retails sales stagnated last month in a sign that consumers are growing more cautious about spending before Brexit according to official figures.Sales volumes were flat in September after falling unexpectedly in August.In July large discounts had lured online shoppers, which helped to lift the quarterly, the Office for National Statistics said. However Septembers flat performance after a dip in August suggests that consumers may have become more cautious as the UKs departure looms and uncertainties Have risen

ONLINE SALES FALL Retail sales unexpectedly fell in August after consumers reined in spending having splashed out for Amazons annual Prime Day promotion the previous month, according to official figures. The drop will raise new concerns about the fragility of consumer confidence. Sales had risen 0.4% in July and economists had expected them to be flat in August.

CASH FALLS BEHIND CREDIT CARDS Credit card payments have overtaken cash in British shops for the first time.Notes and coins were only the third most popular form of payment last year, the British Retail Consortium has said. Only 1 in every 5 spent over the counter was made in cash. Debit cards have remained the most popular payment method, amounting to more than half of all payments.

WAGES RISE Wages are rising at their fastest pace in more than a decade and unemployment rate has fallen to a record low. Annual growth in average weekly earnings, including bonuses, was 4% in the three months to July, up from 3.8% in the same period last year, the Office for National Statistics said. This was the fastest growth since 2008 and higher than the 3.7% forecast by economists. After adjusting for inflation, wages rose by 2.1%, breaking the 2% barrier for the first time in four years.