Finance & lending support

Banks decline good businesses for bad paperwork. A credit team gets a forecast that doesn't balance, or a set of accounts with unexplained director loans, and the file stalls, usually without anyone telling you that's the reason.

What’s included

• Three-way forecast: profit and loss, balance sheet and cash flow, fully integrated
• Seasonality and working-capital modelling built from your actual trading history
• Covenant calculations for interest cover, leverage and debt service, tested against the term sheet
• Downside and stress scenarios the credit team will ask for anyway
• Consolidated reporting across multiple trading entities
• A lender pack: financials, forecast, assumptions and a written commentary
• Direct responses to banker and broker questions, so you're not relaying technical answers

We prepare financial information and forecasts. We do not provide credit assistance or recommend credit products.