Start with the questions that matter
How much funding does the business genuinely need?
Which structure fits the cash-flow cycle?
What will the lender expect to see?
Turn the funding need into a clear proposal
Lenders typically want to understand the amount required, how it will be used, the experience behind the business and how repayments will be met. Historical accounts may show where the business has been; forecasts and assumptions help explain where it is going.
We work with the information you and your accountant provide, identify likely lender questions and help package the application for assessment.
Funding needs we can discuss
- Working capital and seasonal cash flow
- Business expansion or premises fit-out
- Purchase of an existing business
- Refinancing business debt
- Shareholder or succession transactions
- Equipment and vehicle purchases
- Property-backed and non-property-backed options where available
Structure matters
The cheapest-looking facility may not provide the flexibility the business needs. We consider the facility type, repayment profile, security, term, covenants, fees and review conditions — not just the headline rate.
Business borrowing can place company, property or personal assets at risk. Guarantees and security documents should be reviewed with your lawyer before acceptance.
One consistent story, from purpose to numbers.
We translate the commercial purpose into a clear funding request. That means the amount, use of funds, repayment source, supporting numbers and risks tell one consistent story.
Business lending is subject to lender assessment and may require financial statements, forecasts, security, guarantees and other supporting information.
