The starting point for all commercial related financing activities is the strategic plan. This should outline the objectives and contain a Strengths Weaknesses Opportunities and Threats (SWOT) analysis. It should also contain competitor analysis, corporate (legal) and organisation structures and provide the forecast financial details. Based on the financial forecast and the year to date actual figures that options for commercial can be developed. These options should take into account taxation implications. The strategic plan financials should clearly state the purpose of the funding. It may be required for:

  • Working capital
  • Asset acquisition
  • Business acquisitions
  • Investment (capital expenditure)
  • If the above matters are clearly articulated and the supporting materials, e.g. tax returns and management accounts (if unaudited), then there is a strong case for obtaining funding. The matters the lender will consider the type of security, covenants required (if any), guarantees (if required) and the type of facility based on the purpose of the funding.

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