Maximised Efficiency: Significantly reduce the demand on your management’s
- Asset analysis
- Understanding of revenue/cashflows and how this impacts debt capacity
- Document preparation
- Structuring of debt for specific lenders – saving time working through, understanding and then structuring for each lender. We give them the structure, which saves significant time
- Multiple lender conversations – explaining the business, proposed structure, risks/mitigants and ‘doing the thinking’ for them
- Legal and commercial negotiations, understanding issues quickly and accurately
The fundraising process goes far beyond a simple online application form. Sophisticated lenders require thorough due diligence before providing outline terms.
If management teams are unaware of the necessary information, how to present it effectively, or the potential issues lenders might identify, they risk consuming significant amounts of senior leadership’s time. This includes preparing, revising, and discussing information with various lenders. There is also the risk of lenders rejecting the request if crucial business risks are not adequately addressed.
We streamline this process and preserve capacity in your finance team, allowing you to focus on core business activities.
FTA conducts a comprehensive analysis of your business’s debt capacity, closely examining the intricacies of your revenues, cash flows, and asset base. We assess the value of your assets and the extent to which they can be leveraged, whether they consist of plant and machinery, stock, property, invoices, applications for payment or future cash flows.
This analysis is compiled into a concise document that we prepare with final input from your senior leadership team. The document is formatted to cover all key areas that lenders need to understand, ensuring that lender queries are minimised, thus speeding up the due diligence process. In short, we do the thinking, for the lender.
We then handle negotiations with lenders on your behalf, guiding each lender to present their best possible term sheet that aligns with your business’s goals. Once the term sheets are received, we present them to your senior leadership team, clearly explaining the pros and cons of each offer and breaking down the actual, often complex, financial implications of each term sheet.
After you decide which terms to pursue, we guide you through the due diligence and commercial legal negotiations, ensuring the entire process, from the initial inquiry to the drawdown of funds, is as smooth as possible.
