Commercial Finance and Banking Consultancy

What is commercial finance?

To make your business profitable you probably review your supplier charges on a regular basis. But when was the last time you reviewed your finance costs and bank charges?

Our experience in the commercial banking sector coupled with strong relationships with finance providers, mean that our commercial finance team are well placed to negotiate on your behalf.

  • Reducing reliance 
    We take the time to understand what is important to you, before approaching potential lenders to research the most appropriate arrangements. 
  • Improve cash flow
    Additional lending from your bank is often the default decision but there are other sources of finance. We can help you source the most appropriate option for your business. 
  • Planning strategy and finance
    A lack of planning can lead to increased rates and fees for urgent borrowings. Having a plan can help you feel in control and less at the mercy of external events.

How our banking consultants can help

We can conduct a review of your banking arrangements, assessing levels of capital expenditure and the best ways to finance it. We can then use finance to help you build a strong cash reserve so that you can take advantage of opportunity and safeguard against risk. 

Removing the guess work

Our aim is to remove any ‘unknowns’ and secure the best possible finance option for you. At our initial meeting, we obtain a clear understanding of your business. We also clarify your existing financial arrangements, in terms of borrowings, bank charges and the services that you use.

We then discuss the financial requirements of the business for the next 12 months. For example we may investigate: 

  • How can you improve cash flow?
  • Will you be moving premises or expanding a current site?
  • What is the replacement schedule for your machinery?
  • How will you finance your future vehicle requirements?
  • Are you looking at the acquisition of a competitor?

After gathering these details we then approach potential lenders to research the most appropriate arrangements. With access to a wide variety of financial institutions we look to match your requirements with a lender who can provide a financing package that will work for your business. Having sourced the lender, we actively manage the whole process through to final drawdown of the loan.


Access to business finance experts

Whether you want to review your current financial arrangements, are looking to access additional capital, or simply just need a second opinion, we can guide you through the maze of lenders and financial institutions to help your business achieve its goals. 

Our expertise in banking and finance, our independence from any institution and strong relationships with finance providers mean that we are well placed to review and negotiate on your behalf. You would rather be spending your time generating more sales for your business than reviewing finance options. So the next time that you are looking to borrow money give yourself the opportunity to review the market…with someone else doing the work for you.

Frequently asked questions

How can I tell if I am getting a good deal from my Bank?

Even the most hardworking bank manager is limited by the bank’s product range. But we offer an entirely independent service that can look at opportunities from the whole market. This means that we can design a solution to meet your needs. Identifying the correct solution relies on understanding not just the issues you are looking to address, but also the impact on the rest of your business. We don’t want to solve one problem, just to cause another.

Different financial products provide different results. Our understanding of the strengths and weaknesses of each lender puts us in a strong position to advise you on the most appropriate course of action.

How do I know which lenders to speak to?

Life is easier if you can find the right people to talk to at the right time. Thankfully we have the experience and expertise to support you. Our job is to:

  • understand the products available
  • build relationships with lenders
  • identify the most competitive rates for any particular deal
  • understand your business so that we can match your needs with the right solution.
I don’t know if I can spare the time to research all my options
You don’t need us to tell you that you shouldn’t be making financial commitments without conducting the necessary research. The problem is finding the time. By delegating your finance requirements to us, you can be confident that our experience is being applied to find the right solution, giving you more time to look at other pressing matters.
Am I missing out on the best deal due to the size of my business?
Possibly. After all, the price:volume trade-off is an essential part of commerce. So how can you benefit from anticipated growth without delay? We use our buying power with leading lenders to negotiate a deal on your behalf. We’ve worked hard to build relationships with all the major lenders. This enables us to negotiate the rates as well as beneficial covenants and service standards for our clients.