BUILD THE CASE. UNDERSTAND THE COMMITMENT.

Debt funding readiness.

Clarify the purpose, amount and timing of your company’s funding requirement.

Know the funding need. Explain the numbers. Test the repayment.

ACA

Kishen Patel, BFP ACAICAEW Chartered Accountant

Start with the business requirement

Growth, an asset purchase and a seasonal working capital gap create different cash patterns. Start with what the money is for, when it is needed and the resources the company can contribute. A funding requirement should connect to the operating plan rather than begin with a round number.

Find the information gaps

Review the latest accounts, current management information, existing borrowing and forecast assumptions. We can help create an information checklist and financial preparation plan. Lenders determine their own requirements, eligibility and credit decisions; a preparation exercise does not guarantee an offer.

Agree a focused engagement

Our service is financial preparation and modelling for UK limited companies. We agree the outputs, information needed and fee before work starts. This website does not make loans, compare a lender panel or submit credit applications. The next step is a conversation about preparing your business information.

BEFORE WE BEGIN

Your next-step
questions.
Answered.

What will I receive?+

We agree the deliverables before work starts. The scope will identify the schedules, analysis or preparation work you need and the information required from you.

Can you work with my existing advisers?+

Yes. We can scope the financial work around your accountant, solicitor and other appointed advisers, with clear responsibilities and your permission to share information.

MAKE YOUR NEXT DECISION A CLEARER ONE

Ready for the next step?
Let’s make it clearer.

Discuss my funding plan ↗

A clear brief. An agreed scope. A useful next step.

CONSULT EFC · PRACTICAL GUIDES

Go deeper before your next decision.

Debt service downside testing for an SME funding plan

Assess repayment pressure through cash timing, interest, principal, downside trading and funding headroom before presenting an SME debt proposal.

Read the guide ↗

Preparing an SME refinancing information pack

Build a refinancing pack that explains existing facilities, repayment deadlines, cash forecasts, security questions and the use of new borrowing.