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Incisive Financial Understanding

'AC' LTD

A construction business turning over about £3m with a history of rapid growth.  With sales in one of their key markets failing to materialise at expected levels, cash flow pressures started to creep upwards.   In parallel, the overdraft facility was right up against and sometimes exceeded its limit.   But there was no further asset security to support additional borrowing. 

Building on the management accounts and mapping the figures into a special 2-page cash flow format, it became aparent that the company's break-even needed to be brought down.  Even with these refinements, the model indicated that the company needed £200k; £100k of it urgently.   

In consultation with the comapny's Bank Relationship Manager, the decision was taken to pursue funding through the DTI Small Firms Loan Guarantee Scheme.

Working closely with the Bank Relationship Manager, various cash flow sensitivities were prepared and discussed at length to ensure the strongest possible case could be put forward for 'Region' to sanction. 

A week after the final cash flows were submitted, final approval came through. 

 

What does this case demonstrate?

Even where there is no further asset security available to support additional borrowing and current cash flow is tight, there is often still scope to get the funds you need. 

 

Working with you - the benefits

 

We look to make an immediate impact whatever the starting point. You can count on our proven cash flow and profit improvement expertise

  

We do what it takes to get to the answers helped by extensive cross-sector experience drawn from both our financial support and training work

  
         
 

We put your interests first and stand shoulder to shoulder with you, through the ups and downs, until you have what you need

  

We make ourselves available, including outside normal working hours

  
         
 

Unlike others, our financial support is geared to making you more self reliant not more dependent.

 

We understand funding issues better than most - particularly what's achievable and what isn't. We can also help you quantify what you need, put together the business case and help you access what you need quickly

  
         
 

You will find us extremely cost-effective. With the benefit of e-mail, scanners and sending information in pdf form, off-site and largely virtual support is usually entirely workable

 

We are as happy to look at small, one-off exercises as larger more complex turnarounds. The variety of case histories hopefully gives you a flavour of this range.

 

 

Working with you - How we charge

 

Free initial meeting (in confidence and without obligation)

  

We offer a quick initial viewat sometimes reduced rates to establish if a business can be made viable or has gone too far

 
         
 

We can work on a day-rate basis. Tends to be where work is one-off or short-term in nature or in situations that, at the time of our involvement, are inherenetly uncertain

 

We can work based on a monthly retainer where the relationship is envisaged to be ongoing or have a duration of 6+ months. Examples include non-executive finance roles or detailed profit improvement programmes

  

 

 
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