Mergers and Acquisitions

    

Raising Capital

Raising capital is an integral part of the business planning process. Most growing businesses require funds during their development - initially on start-up, in the early stages of growth and thereafter as the business develops. Our corporate finance specialists will help you ensure that sufficient funds can be raised to carry your business through to its next stage of development, and that your business has a robust funding structure.

Raising funds can be a complex and lengthy process and our goal is to ensure that this exercise is managed in the most efficient way, allowing you to concentrate on managing your business without distraction. Uppermost in our minds is the need to ensure that your business is operating efficiently and is in the best financial position to raise finance to meet your needs.

Over the years, we have formed a close working relationship with many principles lending institutions including:-

1. Corporate managers of the major high street banks,
2. Factoring and invoice discounting providers,
3. Structured finance providers,
4. Asset based lenders.

   A very popular and accessible form of finance is the Dti backed Small Firm Loan Guarantee Scheme (SFLGS). This provides up to £100k for small businesses of less than two years trading and up to £250k for those with at least two years. The loan is provided most of the major banks and other lending institutions and the process and criteria for obtaining the loan are just the same as any other business loan. This means that there must be a persuading proposal of a business which is a good lending proposition and able to repay the loan from its activities. The only difference is that the business/owners do not have adequate security for the lender. Here, and subject to certain excluded activities and the payment of an insurance premium by the borrower, the Dti will guarantee around 80% of the loan in their place. The borrower does not need to secure the balance.

The scheme is clearly an excellent option for many businesses. The ‘trick’ is that the acceptance of the scheme amongst lenders is not automatic – many managers dislike the paperwork involved etc and do not actively push for such business. Fortunately, having carried out a great number of such applications, we have well-established links with managers and lenders who welcome such applications.

Following an assessment of your requirements, we will propose the most appropriate type of finance and seek to obtain the best available market rates and service.
 
 
 
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