We help SME owners understand business cash flow, existing commitments and financing structure before taking on an important borrowing decision.
Structured Review Before Financing Decisions
You may benefit from a structured review when the financing decision involves more than simply obtaining additional funds.
01
You Are Planning to Take On New Financing
You want to understand how the proposed facility may affect business cash flow, repayment commitments and financial flexibility.
02
Your Business Already Has Several Commitments
Existing loans, hire purchase, trade facilities or other obligations are beginning to make the overall financing position harder to assess.
03
Your Cash Flow Feels Tighter Than Expected
The business may be generating sales or profit, but repayment timing, working-capital needs and other commitments are creating pressure on available cash.
04
You Are Unsure How a Lender Will View the Business
You want greater clarity on the business’s financing position, credit profile and information readiness before approaching a lender.
A financing decision should be considered alongside the business’s cash flow, existing commitments, owner exposure and readiness to meet lender expectations.
Can the business generate sufficient cash at the right time to support ongoing operations and repayment obligations?
How do current loans, hire purchase, trade facilities and other commitments affect the business’s overall repayment position?
Are personal and business commitments creating additional pressure or reducing financial flexibility?
Is the business financially prepared and supported by the appropriate documentation?
We help SME owners assess how proposed financing fits within the business’s overall financial structure before proceeding.
The objective is not simply to determine whether financing may be available, but whether the proposed structure is appropriate for the business.
Cash generation, working-capital requirements and repayment timing
Current facilities, repayment obligations and overall debt structure
The interaction between business obligations and owner commitments.
Credit position, financial information and supporting-document readiness.
We review the key areas that influence whether proposed financing is appropriate for the business.
Assess whether the business generates sufficient cash flow to meet its financing obligations.
Evaluate the repayment discipline, integrity and financial behaviour of the business and its key owners.
Assess the company’s profitability, financial position and ability to sustain operations.
Evaluate the business’s sustainability and management’s ability to execute its plans.
Establish whether the financing requirement is genuine, commercially justified and appropriately structured.
Consider how collateral, guarantees and other risk-mitigation factors may influence the financing structure.
A clear advisory review of the business financing position with findings explained and practical guidance before you decide what to do next.
We keep the process straightforward so you can understand your position before deciding what comes next.
We review the relevant business and financial information provided.
We assess the financing position, commitments and key considerations.
We explain the findings and discuss practical structuring considerations.
You decide whether to proceed, refine or strengthen the position first.
A few common questions about the SME advisory review and how the process works.
No. The advisory review focuses on understanding the business financing position before deciding whether and how to proceed with financing.
No. Financing approval remains subject to the lender’s policies, assessment criteria and final decision.
Relevant business, financial and supporting information may be required depending on the financing situation and scope of the review.
Yes. Existing facilities, repayment obligations and overall debt structure can be reviewed together to understand how additional financing may affect the business position.
The timeline depends on the complexity of the business and how quickly the required information and supporting documents are provided.
Assess the position before committing to the financing.
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