We provide independent thought, debt arrangement and structuring assistance for small-to-medium businesses, commercial and rural customers.
Term debt is where people primarily focus but we cover the whole business- bank ambit. We help prepare, and support credit applications. We have honest discussions to help your bankability; you cannot always point the finger at the bank.
We help with negotiating security and documentation and overseeing the process from start to finish for:-
• Term debt
• Working Capital
• Overdrafts
• Asset Finance
• Trade Finance
• Restructuring residential mortgage lending security
• Refinancing or switching Banks
• Mergers and Acquisition or sale of a business
• Construction Finance / development lending
• Commercial property lending
• Rural lending
• Outside the box lending that doesn’t meet normal bank lending criteria
The relationship between banks and businesses covers a lot more than simply debt.
Some questions to think about include:
- Are your transaction banking facilities appropriate?
- Do you have the right mix of debt / working capital/ and transactional and electronic banking facilities for your business?
- Are they right priced, and are you providing too much security?
- Do you have information at hand on bank funding costs to help with margin discussions?
- Are your overdraft and seasonal facilities right sized for your operating cashflow cycle, and liquidity requirements?
- Do you understand your interest rate and foreign exchange hedging, and is it fairly priced?
- Do you have the right trade finance facilities?
- Are you well placed to take advantage of open banking when it arrives?
- How is margin by product / service and labour productivity trending?
- What about financial scenario forecasting of gross margin, fixed costs, downside risks, and break even?
- Cashflow for debt service – is there sufficient headroom in covenant setting and debt amortisation? Have you got the right covenants?
- What is your forecast Value at Risk versus net profit, budget, foreign exchange movement, commodity price risk, interest rate risk, and input cost changes?
Through asking the tough questions we can help you get the right answers.