Practice News

We here at Lombard work with many business owners who are the driving force behind everything their company achieves. Their energy, expertise and relationships built the business from the ground up. But there is a hidden risk in that success. When a business depends too heavily on one person, its in…

At Lombard we believe that debt, used wisely, can be one of the most powerful tools a growing business has. The right loan at the right time can fund new equipment, larger premises, extra stock or the people needed to take on more work. Used poorly, the same borrowing can drain cash, limit your opti…

We here at Lombard know how quickly the final weeks of the year disappear. Between busy trading periods, staff holidays and the run-up to Christmas, financial planning often slips down the list until it is too late to make a difference. Yet for businesses with a December year-end, and for every sole…

At Lombard we believe that knowing the true value of what you own is the foundation of every good financial decision. For many business owners, the business itself is their most valuable asset, often worth more than their home. Yet when asked what it is actually worth, most can only offer a rough gu…

We here at Lombard regularly work with business owners who are weighing up big decisions, from buying or selling a commercial premises to relocating, expanding or investing in property for the future. In almost every case, the owners who feel most confident about their choice are those who spoke to…

At Lombard we believe that every major purchase deserves careful thought, whether it is a family home, a commercial premises or the equipment that keeps a business running. For business owners, one question comes up time and again: should you buy the assets you need outright, lease them or simply re…

We here at Lombard meet many business owners at the point where their company is growing, and growth usually brings two decisions close together: taking on more staff and, sooner or later, finding more space to put them. Hiring the right person can transform a business, but the figure on the job adv…

At Lombard we believe that good property decisions start with a clear picture of your finances. Many of the buyers and sellers we meet run their own companies, and one question comes up again and again: what is the best way to take money out of the business? The answer affects far more than your ann…

We here at Lombard believe that one of the most valuable financial decisions a business can make is to build a financial buffer before it is needed. A healthy reserve can provide breathing space when costs rise, customers pay late, or unexpected challenges arise. Without one, even a well-run busines…

We here at Lombard believe that winning customers is only part of building a successful business. The more important question is whether those customers are contributing positively to your profitability. A client who generates regular sales may appear valuable, yet the time, resources, discounts, ad…