Business owners like you have enough to do in running the day-to-day operations of your business without having the additional hassle of sourcing and dealing with all the paperwork that goes with raising business loans. We adopt a hands-on approach in getting you the business loan you need. We spend time understanding your business, identifying the issues you face and as a result we are able to source the right type of loan you need.
We understand that there are times when you need extra cash to run your business, and as your advisor we are here to help. Our team of experts will analyze available options specifically designed to suit accounts receivable and inventory needs of your business. Term loans are often used to finance fixed-asset purchases for items such as equipment, vehicles, and furniture. Cash Credit loans are a great way to finance permanent working capital or debt consolidation. Whether you’re just starting out or expanding an existing business, we have the right expertise to prepare business loan application formalities asked by your lender.
With so many different lenders and products on the market, the eligibility criteria for business loans vary. All of these factors help lenders build up a picture of your business. Generally, lenders are unwilling to lend more than 10-20% of your annual turnover, and they'll want to see enough revenue to demonstrate affordability. If you’re not making much profit or making a loss, it’ll be difficult to get a loan, and a short trading history (less than 2 years) can make things more difficult too. Business loans fall into two main categories: secured and unsecured. For secured loans, you’ll need some security to offer, while for unsecured loans lenders will normally want a personal guarantee. If you are a StartUp, it is often important to pitch in front of investors or independent lenders. We can help you prepare your financial projections to suit your startup goals.
Through financial clarity, we provide you with the financial confidence you need to achieve.
And, that’s just the beginning.
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