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Firms Prepare Finances as Service Sector Boost Risk Rate Rise

The dominant services sector is growing at its fastest rate since October last year, suggesting the economy may be strong enough for the Bank of England to raise interest rates next month.

 

Since the snowfalls earlier in the year, the service sector has battled with low turnout and even lower profits. Restaurant chains such as Prezzo, Bella Italia and Byron Burgers have had Company Voluntary Arrangements approved by their creditors, effectively closing down a proportion of local branches in a desperate bid to rescue business. As a result of the high street’s increased vulnerability, the Bank of England previously postponed a rate increase, but this decision is now looking to be overturned.

Now that the economic picture has brightened, and the weather has warmed up, the service sector has gone from strength to strength. According to the Purchasing Managers’ Index (PMI), the sector experienced the sharpest rise in new work in more than a year. The sunny weather boosted consumer spending and gave consumer confidence a slight nudge in the right direction.

The PMI survey is compiled by IHS Markit, and considered one of the most reliable indicators of growth. The services sector makes up four-fifths of the economic output in the UK and its strengths and slowdown have a significant impact on the success of the economy. It includes activities ranging from restaurants and hotels to accounting and the financial sector.

These figures illustrate the building growth of the economy which economists believe could lead to an interest rate rise when the Bank meets in the first week of August. Whether the rates go up or not, or if the economy dips or not, business finances should be prepared for every scenario. At the Credit Protection Association, our debt recovery services free up cash flow and provide our Members with a bit of extra financial cushion. The extra cash can either go on expansion or new equipment, or it can go on sustaining positive economic behaviour.

Ruth Gregory, senior economist at Capital Economics, said: “With the survey providing further reassurance that the weakness in GDP growth in the first quarter was temporary and that wage cost pressures in the services sector are building, we continue to think that interest rates will rise at the MPC’s next meeting on August 2.”

The survey showed that Brexit-related uncertainty had held back business investment in the services sector, particularly in relation to spending by large corporate clients.

 

 

The Bank has forecast 0.4 per cent GDP growth for the second quarter and it expects inflation to pick up due to higher oil prices. The services survey supports this view, showing companies contending with higher wage and fuel costs and overall costs rising at the fastest pace since last September.

The service sector comprises all of the country’s favourite recreations, from restaurant and hotels to customer service call centres and bars and public houses. With restaurant chains dropping almost as fast as retailers, leisure activities could change shape completely. Now that the economy is brightening and consumer confidence is warming, hopefully, there will be one less victim of the high street.

At the Credit Protection Association, many of our Members are from the service sector. Many business owners have struggled hard with low profits and have desperately tried to keep their head above water.

Now that the sector is experiencing positive momentum, it’s important businesses ensure their finances can sustain it. Our debt recovery service accomplishes this for our Members through chasing down unpaid invoices and residual debt on their behalf, freeing up cash flow and providing financial stability.

If interest rates are increased on account of the recent economic upturn, it’s important businesses are prepared for the renewed difficulties in accessing traditional finance, such as bank loans. The debt recovery and credit management services provided by credit managers like here at CPA can provide an easier and more cost-efficient alternative.

 

Please call us on 0330 053 9263 to discuss how CPA can help your cashflow.
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The Latest Insolvencies to 05 Jul 2018.

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