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Business Directory

Financial Services & Investment

Online Business Directory

The following business directory lists companies that provide Financial Services and Investment products and services including banking, debt management, personal finance, insurance and many more...
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The Business Directory Ranking Process

  • We have 3 Listing Types - (Lifetime, Premium and Free ). Our Directory system automatically ranks listings first by Membership Type....
  • To find out about Membership Types see our business advertising options.
  • All Listings are then prioritised using a 'Ratings & Review Score'.  We believe Star Ratings and Reviews from customers or suppliers fairly measure the trustworthiness and dependability of a company.
  • Listings with Reviews are automatically listed above listings with No Reviews.
  • In other words, businesses with Reviews are shown at the top of the page (within their Business Category and within their Membership Type) and thus enjoy the highest Click Through Rates from visitors to the Directory
  • If two listings (in the same Category) have an Identical Rating Score, the business listing with the Most Reviews will rank higher than the Business with fewer reviews.
  • Other companies with No Reviews are then ordered by 'Most Recently Submitted' to the Directory.
  • The owners of these newly listed organisations may not have had a chance to ask their customers or suppliers to post a positive review yet.
  • In summary, the Overall Star Rating Score for each rated Business is calculated using a combination of the Total Number of Reviews combined with the Average Numeric Score of all Rated Reviews for that listing.
  • Share Your Views: if you have already enjoyed a good experience when dealing with an organisation shown on this website, please click on their Business Name to see their Company Webpage...  then click/ hit the Write a Review button
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I am a Quality Assured Practising International Accountant with over 30 years experience in accountancy and taxation...
One of the UK's best loved insurance comparison sites with over 40 years' experience. Everything from car to van insurance....
We have been in the insurance industry for over 40 years and it's this experience along with our excellent skills in negotiation, that mean we can offer you highly competitive insurance rates for home insurance, car insurance, travel insurance and more...
Best practise advice and guidance for individuals and small companies struggling with debt. We work with both individuals and companies to help resolve their debt problems...
Fast Bridging Loan is a No-Fee bridging loan broker who compares all bridging finance lenders. We find you the best APR & Repayment terms & we do NOT charge a fee for our service...
Financial Advice Network offer support services to help you give your customers the best service you can. Find out more at www.financialadvice-network.co.uk
Drive Accountants at the Gold Coast provide a modern advisory and accounting solution for business owners. We are a dynamic business advisory and chartered accounting firm that prides itself on providing astute business advice, we are characterized by a high level of technical expertise...
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We are a leading provider of online trading services....
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We are a professional accountancy firm who listen to our clients and provide a service based on their individual needs...
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Austral Accountants is a progressive firm of qualified Accountants in Queensland which specializes in helping owner operate businesses, sole traders / partnerships and individuals...
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Leading independent asset finance specialists providing hire purchase and leasing facilities. We are able to assist companies and businesses of all shapes and sizes across all industry sectors...
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The business offers Bureau de change, foreign currency exchange, money transfer, tickets, theater tickets, travel ticket, and a money changer...
Sanctum Wealth offers end-to-end wealth management solutions for high net worth individuals. We employ new and innovative technologies....
MAC - Mortgage Approval Corp is a Vancouver based equity lender specialised in offering mortgage loans for property owners...
Accounting to taxes is quickly developing, customer driven and completely energetic team that give trustworthy and specialized accounts outsourcing to CPAs, CFOs and accounting firms globally...
The Business offers Loans for customers with bad credit. Our products help customers manage their debts...
Mortgage simplicity are an independent Whole Market Mortgage Broker. We are based in Scotland but we cover the whole of the UK. We offer fee free mortgage advice and we don't charge broker fees...
Vilcol offers debtor tracing and recovery services to clients across the UK. Services are offered on a no-win, no-fee basis...
The Business offers general insurance market intelligence, auditing, expert witness, business process and training services aimed at customers in the United Kingdom and Ireland...
American CPAs and IRS EAs dealing with U.S. tax services for American expatriates in the UK and British citizens with US income, business or investments.The highest value & the lowest fees on the market!

Overview of the Financial Services Industry

Financial Services are monetary in nature and cover a wide range of organisations that specialise in managing money for consumers and businesses. Collectively these vital organisations underpin and facilitate the economic growth of most advanced nations. The finance industry represents approximately 5% to 10% of global GDP. Banking is core to the Financial Services and Investment sectors. Banks help companies of all sizes to collect sales revenue, buy and sell goods in their supply chain and invest in people and infrastructure.

In society, banks have a central role to play in helping to maintain confidence in an economic system. Banks provide everyday personal finance products that consumers and businesses rely upon to survive. These include savings accounts, loans, credit cards, mortgages, automatic teller machines and debit cards. In effect, banks provide a practical economic system through which everybody can manage their money. Similarly, merchant services providers enable millions of small firms with the ability to trade electronically and accept debt and credit cards online, or via traditional point of sale methods. All economic systems rely on transparent rules and regulated systems (such as those established in chartered accountancy practices), that demonstrates to creditors and investors that a Government, company or individual can pay their debts.

Many Western financial services sectors also contain high risk investment banking (the so-called 'casino' investment activities). This type of banking has been spurred on by enormous financial rewards, as well as the globalisation of computerised financial systems. This automation (coupled with ever increasingly complex new financial products) has been heavily criticized by economists as contributing to cyclical credit fuelled booms and busts. Most recently this over indulgence of credit has led to a collapse of confidence, and brought about what is commonly termed a credit crunch.

At a local level companies of all sizes rely on banks to establish a presence and continue trading. Businesses can lose all their money if there is a ' run' on a bank. A run may occur in a situation where savers and investors lose confidence in its ability to pay its liabilities. Yet, as a business customer it can be tricky switching or choosing the most appropriate business bank account. There are many factors to weight up, including admin charges, overdraft fees, savings interest rates, frequency and cost per transaction per year. Some banks will offer a wider range of banking services. Other banks will offer new customers favourable interest rates as an incentive to open an account. Always check the terms and conditions as banks can change their published interest rates over time.

One of the key priorities for many small businesses is obtaining a business loan and keeping cash flow at an optimum level. Many banks rely on call centre staff to approve loans. Many have reduced the size of their workforce making it harder to build up a relationship with a local business bank manager. There are also an increased focus on private banking facilities for high net worth individuals and companies, (as banks attempt to repair their capital reserves on their balance sheets). Many companies export products to overseas markets as well as import raw material supplies to resell or incorporate into their own manufacturing process. These overseas trading activities require foreign exchange services including wire services and currency exchange.

Much of the financial system is highly automated (such as equities, funds and bonds and investment services). So to ensure systems uptime and continuous availability to critical time-specific services vast amounts of money are invested in resilient computer infrastructures, so investors can login to trade around the clock.

Insurance is a core sector of the Financial Services Industry. The largest market segment is general insurance (policies designed to cover most of tangible possessions and assets). There are a host other other personal lines markets. These markets include life insurance, private medical insurance, pet insurance and creditor insurance. Creditor insurance covers you against the inability to pay your debts if you are unable to work or if you lose your job. Business insurances cover a wide variety of companies and industries, (such as offices, factories and shops). Most policies are packaged up to include and exclude certain risks associated with risks involved in a trade or business activity. With all types of insurance, it's vital you seek qualified advice from approved person on which policy best suits your needs.

Another significant market segment of the financial services industry are debt management companies. These offer services to the consumer and businesses that help them manage their debt with third parties. Most of the time they provide a debt solution to debt problems. They may also be able to suggest ways in which a consumer or a business can improve cash flow and financial budgeting practices. Debt management companies can help struggling businesses restructure loan agreements, to make them affordable in times of extreme difficulty. If a consumer or a business is having trouble keeping up with repayments, the debt management company can help negotiate with the loan company to restructure the debt. This helps to ensure that the loan continues to be paid, but at an affordable level and interest rate. The debt industry is a highly competitive sector which is becoming more regulated as the range of financial solutions continues to grow. Similarly, credit control companies offer a third party service, assisting businesses with cash flow issues by pursuing outstanding debts on behalf of their customers.

The Financial Services industry is a highly regulated environment. So, if your comparing rates and investments always check any provider you contact has prior regulatory approval. Advisors must have the skills and qualifications to provide financial advice. Recent miss-selling scandals, manipulation of the banking system by its employees and a general lack of coordinated policy is leading to an increased focus on banking accords and increased regulation in general.

 

 

 

 


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