Consultancy
Bad Debt Problems
Many businesses suffer bad debts or particularly slow payment from major customers which can have a huge negative effect on profitability and cash flow. Once a bad debt has been suffered it will be too late to do anything about that particular customer but it can be the springboard to re-assess overall client creditworthiness. We have access to a range of funding options and credit protection products that can assist working capital and peace of mind as follows:-
- Sales Ledger Protection
- Invoice Discounting
- Factoring Facilities
- Increased Overdraft Facilities
- Property Refinance
- Fixed Asset Refinance
- Small Firms Loan Guarantee Scheme
We are here to help so give us a call, send a fax or e-mail or submit an online enquiry
Bad Debt Problems
Many businesses suffer bad debts or particularly slow payment from major customers which can have a huge negative effect on profitability and cash flow. Once a bad debt has been suffered it will be too late to do anything about that particular customer but it can be the springboard to re-assess overall client creditworthiness. We have access to a range of funding options and credit protection products that can assist working capital and peace of mind as follows:-
- Sales Ledger Protection
- Invoice Discounting
- Factoring Facilities
- Increased Overdraft Facilities
- Property Refinance
- Fixed Asset Refinance
- Small Firms Loan Guarantee Scheme
We are here to help so give us a call, send a fax or e-mail or submit an online enquiry
Funding for Corporate Finance Transactions
With our corporate finance experience we are well able to provide advice on funding streams to cover:-
- Transaction Price Debt Funding
- Working Capital Facilities
- Asset Finance Requirements
- Deferred Consideration Elements
- Unsecured Cash Flow Loans
- Loan Guarantee Scheme
We are also able to advise on suitable levels of transactional gearing and firms to provide the usual financial and legal due diligence.
Management Information Systems
This is a key issue for any business owner as good quality management information systems are fundamental in business planning, strategic thinking and raising finance.
We are often are called in to look at a business struggling with a particular set of financial issues and our general consensus is that the business owner does not have a clear view of his overall business activity including sales volumes, production efficiency, debtor controls, creditor position including Crown arrears, etc.
Our involvement includes assessing the business case and formulating appropriate systems to provide simple, cost effective solutions that the management can use, understand and assist with all aspect of their planning processes.
Commercial Finance
Premises Purchasing or Re-Financing
we have a wide range of funding options available to assist. Even if you have a limited deposit we will assess the situation and advise on the most appropriate way forward. Our usual product suite consists of:-
Commercial mortgages for new purchase
- normally up to 85% of purchase price or 90% for sitting tenants
- up to 100% finance available with additional security
- available term of up to 30 years
- competitive interest rates and arrangement fees
- minimum amounts of £50,000
- capital holiday and interest only periods available for up to 3 years
- simple application process
- same day decision in principle
- panel valuation firms and legal teams
- all types of business sector and premises considered
- adverse credit, CCJs and defaults can be considered
Commercial Mortgages for Extensions, Expansion or Refinance of Existing Premises
- normally up to 85% of existing site value and development expenditure
- up to 100% finance available with additional security
- available term of up to 30 years
- competitive interest rates and arrangement fees
- minimum amounts of £50,000
- capital holiday and interest only periods available for up to 3 years
- simple application process
- same day decision in principle
- panel valuation firms and legal teams
- all types of business sector and premises considered
- adverse credit, CCJs and defaults can be considered
Bespoke Funding for Professionals
In dealing with the professional and healthcare sectors on many fronts we have access to attractive funding packages geared to assisting viable practices with quality management.Typical transactions are financing professional practices looking to purchase or expand their commercial premises, or assisting with funding the acquisition of a competitor. We can also assist in arranging professional loans for partners buying into a practice on an unsecured basis.
Funding parameters are very attractive as follows:-
- funding of up to 100% of purchase price of premises or target business
- unsecured top slice funding for moving costs and new equipment
- interest margins can be as low as 1.00% above base rate
- arrangement fees of circa 1.00% normally apply
- simple application process
- panel valuation firms and solicitors speed up the transaction
- term loan facilities of up to 30 years
- capital repayment holidays available
- interest only periods available for whole term in certain circumstances
Assett Finance
The purchasing of capital goods such as plant and machinery, office fittings, computer equipment, all types of motor vehicles and warehouse racking can be purchased with tax advantages via HP and leasing arrangements.
We have extensive contacts in the asset finance arena and can advise on suitable funding partners and provide offers of finance to assist with purchasing or refinancing as part of a larger transaction.
Overseas Property Purchasing
We have extensive experience in the purchasing and development of property overseas. All transactions are judged on their merits and the country involved.
Equity Funding
We have access to business angels and private equity investors willing to provide funding for an equity share in the target business. All circumstances are treated on their individual merits but fundamental criteria is a sound business plan, historic accounts to prove operating viability, robust financial forecasts and CVs of the key members of management.
Exit planning for the equity partner is a key consideration and a five year investment is the norm. The shareholding percentages and rates of return for the investor will depend on the business criteria of each case.
We are here to help so give us a call, send a fax or e-mail or submit an online enquiry.
Pension Loans
Pension legislation has changed, including the amount of borrowing that can be undertaken in relation to assets held within the pension fund.
Please contact us for an initial discussion of your requirements.
Bridging Finance
Bridging finance is used to purchase property but is short term by nature of the fact that there is usually a mechanism or offer of alternative finance to repay the bridging loan within a defined period of normally no more that 12 months. Typical cases are where a high street funding institution has agreed on a package of facilities but completion of the deal is required before they are ready to draw down their loans. This is known as a closed bridge as there is a definite take-out route at a point on entry into the bridge. Other cases are where there is no agreed exit route for the bridging finance but there is a sound business case for the transaction to proceed. This is known as an open bridge and is inherently higher risk and therefore more expensive in terms of pricing.
We can normally arrange the following:-
- up to 80% of purchase price or valuation for a closed bridge
- up to 70% of purchase price or valuation for an open bridge
- interest rates are generally circa 1.50% – 2.00% per month
- arrangement fees are usually circa 1.00% or more
- maximum terms are generally no more than 12 months
- minimum terms are generally 1 month
- deals can be arranged very quickly, normally within 7 days
- panel valuation firms and solicitors practices speed up the transaction
- simple application process
We are here to help so give us a call, send a fax or e-mail or submit an online enquiry.
We can normally arrange the following:-
- up to 80% of purchase price or valuation for a closed bridge
- up to 70% of purchase price or valuation for an open bridge
- interest rates are generally circa 1.50% – 2.00% per month
- arrangement fees are usually circa 1.00% or more
- maximum terms are generally no more than 12 months
- minimum terms are generally 1 month
- deals can be arranged very quickly, normally within 7 days
- panel valuation firms and solicitors practices speed up the transaction
- simple application process
We are here to help so give us a call, send a fax or e-mail or submit an online enquiry.
Treasury Management
Larger organisations require more sophisticated treasury management function to make optimum use of their funding options and cash reserves. We have significant corporate finance experience in arranging and negotiating the best service provider with the client’s requirements. Typical arrangements include:-
- hedging instruments
- deposit interest maximisation
- caps, collars and floors
- set-off arrangements
- acceptance credits
- managed rate facilities
- short term funding instruments
- currency aggregation and set-off
- corporate internet banking
- same day and three day payment systems