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Meet the permanent non-borrowers. They’re the businesses that won’t be borrowing money from external sources, such as the high street banks, to expand. You might argue that it’s one of the longer-lasting effects of the global crash. Whatever the cause, a majority of small and medium-sized enterprises now meet the definition of permanent non-borrowers (PNBs), according to the recently published BDRC Continental SME Fi

The governor of the Bank of England, Mark Carney, is clearly intent on keeping interest rates at their current low of 0.5% for as long as possible. Waiting until unemployment drops below 7% may delay an increase until 2016 or, at the market-predicted earliest, the first quarter of 2015. That’s good news for house buyers and some reassurance to people using individual voluntary arrangements or debt management plans to