FINANCIAL INSIGHTS
File. Ready.
Make The Financing Case Clear.
Define The Need
- Explain the business, financing purpose, indicative amount, timing and repayment source in one short summary.
- Distinguish expansion, replacement and refinancing; separate recurring working capital from a temporary shortfall.
Align The Numbers
- Reconcile historical financials, current trading, projections and existing commitments.
Match asset costs or receivables schedules to the request. - Explain collection periods, margins, utilization, expenditure and seasonality.
Identify material changes and limitations.
Close The Gaps
- List missing documents, uncertain asset details and inconsistent figures; assign responsibility for each item.
- Prepare relevant material for the institution considering the case, rather than circulating every record indiscriminately.
Control The File
- Start with a summary.
Agree the submission route before sharing records; maintain a dated index and version history. - Give participating institutions consistent information and coordinated answers.
Approval remains with each lender.
Your Next Move
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