Each stage leads into the next
Most clients start at Diagnose. If you already know you need funding, you can start at Fund. Either way, you see where you are and what comes next.
Diagnose
Financial Health Review“I don't know how my business looks to a bank or against competitors.”
What we do
We review three years of your audited financials or tax returns, run ratio and trend analysis, and benchmark you against two or three real peers. We also review your credit, debt and cash flow.
What you get
A Financial Health Review report, and a call to walk you through it.
How we work together
Free
Fix
Credit Readiness“Banks say no, cap my limits, or price me high.”
What we do
We find what a lender would object to: reporting gaps, the working-capital cycle, debt structure and documentation. Then we fix it, and prepare your credit file the way a credit committee reads it.
What you get
A lender-ready credit file and a clear action list.
How we work together
Fixed project fee
Fund
Structured Debt & Refinancing“I need working capital or term debt, or my current loans cost too much.”
What we do
We match your business to the right lender and product, then place the deal directly through our lender and financier network. That can include working capital, term loans, invoice discounting, export and import trade finance, and refinancing of expensive debt. For retained clients, we can also support an equity raise.
What you get
A sanctioned facility at better terms.
How we work together
Success-linked
Run
Financial Planning & Cashflow (vCFO)“I'm profitable but always short of cash, and my numbers come late.”
What we do
We give you monthly cash-flow visibility, management reporting and budgeting. We also manage your debt and covenants and look after your banker relationships, so you stay lender-ready every month.
What you get
An outsourced finance function at a fraction of the cost of a full-time CFO.
How we work together
Monthly retainer
How we are paid
We are open about this. Diagnose is free. Fix is a fixed project fee. Fund is success-linked. Run is a monthly retainer. We agree the terms with you after your Financial Health Review, once we know the scope.
Start with your Financial Health Review
A written report on how lenders see your business, plus a call to walk you through it. Free, and no commitment required.