Business Finance
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To contact us and
ask for our services click here
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Obtaining finance for new
ventures, or for capital restructuring, or for asset purchase, including new land and buildings,
or for private finance or mortgages is a key part of our range of client
services. We can advise on the most
appropriate sources of finance, assist with the application for finance, and with presenting a case to a
lender, and advise on the most cost effective and tax effective approach. We can advise you whether
there is any source of grant aid for your project and how to apply for it. We can suggest how you can
utilise the cheapest sources of your own capital by releasing cash tied up in
your working capital such as trade debtors and stock. We can examine ways of
releasing capital tied up in your properties, and how to structure inter
family loans. We can
also advise you in connection with your own personal finances. The sections
below contain links to some of the specific services that Peter Brown &
Co is able to offer. Clients of the practice can obtain
further information by entering the ‘Client ‘ Zone’ and searching the index |
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To contact us and
ask for our services click here
|
Presenting a case
to a potential lender or financier can either get a project off to a flying
start or can doom it to failure. A professionally prepared
business plan, documenting as much as possible relating to the project ,
presented to a lender in the correct manner is very important to the success
of any project. It is important
to anticipate what the lender will be looking for in the project, as this may
differ from the objectives of the proposed borrower, but in many areas the
lender and the borrower will be considering the same variables. Both will be
looking for security, for the ability to repay the borrowings, and the degree
of risk . They will consider the degree to which a variation in the
underlying assumptions may alter the overall results of the project. However, the
proposed lender will usually view things in a more sceptical light than the
proposed borrower. It is therefore
important when presenting a case to a lender to be able to view the project
from the lender’s perspective. The manner of
presentation will also be important. A good project badly presented will not
impress a lender – if a proposed borrower cannot prepare a request for funds
in a proper manner, how can the lender be sure the borrower will manage the
project effectively. Peter Brown and
Co are able to assist their clients in presenting a professional well thought
out and well argued case. |
To contact us and ask
for our services click here
|
In the present economic
situation the market is rapidly changing, and we will discuss the
requirements of a client in the light of conditions applying at the time. We
have extensive contacts with various providers of funds and financial
intermediaries and will tailor a solution to a client’s specific needs. |
To contact us and
ask for our services click here
|
In the present economic
situation the market is rapidly changing, and we will discuss the
requirements of a client in the light of conditions applying at the time. We have
extensive contacts with various providers of funds and financial
intermediaries and will tailor a solution to a client’s specific needs. |
To contact us and
ask for our services click here
|
In the present economic situation the
market is rapidly changing, and we will discuss the requirements of a client
in the light of conditions applying at the time. We have extensive contacts
with various providers of funds and financial intermediaries and will tailor
a solution to a client’s specific needs. |
To contact us and
ask for our services click here
|
In the present economic situation the
market is rapidly changing, and we will discuss the requirements of a client
in the light of conditions applying at the time. We have extensive contacts with
various providers of funds and financial intermediaries and will tailor a
solution to a client’s specific needs. |
To contact us and
ask for our services click here
|
In the present economic situation the market
is rapidly changing, and we will discuss the requirements of a client in the
light of conditions applying at the time. We have extensive contacts with
various providers of funds and financial intermediaries and will tailor a
solution to a client’s specific needs. |
To contact us and ask
for our services click here
|
In the present economic
situation the market is rapidly changing, and we will discuss the
requirements of a client in the light of conditions applying at the time. We
have extensive contacts with various providers of funds and financial
intermediaries and will tailor a solution to a client’s specific needs. |
To contact us and ask for our services click here
|
The costs of
finance are determined by the purpose for which the funds are to be used, the
ability of the borrower to repay the funds, the security that may be offered
( and this could include third party guarantees, including Government
schemes) and the general economic situation. We will discuss the
requirements of a client in the light of conditions applying at the time. We
have extensive contacts with various providers of funds and financial
intermediaries and will tailor a solution to a client’s specific needs. |
To contact us and ask for our services click here
|
We have extensive contacts with various
providers of funds and financial intermediaries and will tailor a solution to
a client’s specific needs. |
To contact us and ask for our services click here
|
We have extensive
contacts with various providers of funds and financial intermediaries and
will tailor a solution to a client’s specific needs. |
To contact us and ask for our services click here
|
We have extensive contacts with various
providers of funds and financial intermediaries and will tailor a solution to
a client’s specific needs. |
Trade debtors,stocks and work in
progress as sources of finance
To contact us and ask for our services click here
|
Many businesses overlook the fact that
money tied up in debtors stock and work in progress is a potential source
of funding. If money can be released
from these current assets, then they will be available for other purposes. Funds can be released by following more
efficient commercial and business practices – such as better credit and stock
control – where we can help. They can also be released by the use of
factoring and stock financing arrangements, where we have contacts that might
be able to help. |
Credit rating and credit scoring
To contact us and
ask for our services click here
|
Keeping an eye on your credit rating by
actively monitoring available publlic information can be useful in ensuring
that all funding sources are open to you. We can help in this area. See also our credit control page |
To
contact us and ask for our services click here
|
We have extensive contacts with various
providers of funds and financial intermediaries and will tailor a solution to
a client’s specific needs. |
Trade
creditors as a source of finance
To contact us and ask for our services click here
|
Trade creditors should rarely be paid
earlier than on normal credit terms. To do so will tie up funds
unnecessarily. By nhegotiating better trade terms , a business can often
generate interest free funds. We can assist our clients in negotiations with
their suppliers. |
General
lending and borrowing principles
To contact us and ask for our services click here
|
The recent
banking crisis has arisen because banks have forgotten the underlying
principles. Never borrow
more than you can afford to repay both in capital and interest. Never borrow
funds for a risky venture unless you can afford to absorb the risk involved,
or can still meet the payments on the borrowings out of other assets. Monitor your
gearing – the ratio between assets and borrowing. Never borrow
short trerm and invest long term We can help you
analyse any proposed activities so that the risk to you is minimised |
To contact us and ask for our services click here
|
HM Revenue and Customs often follow actions
that maximise the early payment of taxes, even when there is no basis for
this. We will ensure you pay the right amount of tax at the latest possible
legal date – so freeing up funds for your other activities. |
To contact us and ask for our services click here
|
Credit card borrowing
can be a deadly trap. Equally, with interest free offers available, such
borrowing carefully managed can be an opportunity. We can help guide you
through the minefield. |
To contact us and ask for our services click here
|
We have extensive contacts with various
providers of funds and financial intermediaries and will tailor a solution to
a client’s specific needs. If you are in financial difficulties, we
can advise you and help you plan the way forward. |
Making the application for finance
To contact us and ask for our services click here
|
Presenting a case
to a potential lender or financier can either get a project off to a flying
start or can doom it to failure. A professionally
prepared business plan, documenting as much as possible relating to the project
, presented to a lender in the correct manner is very important to the
success of any project. It is important
to anticipate what the lender will be looking for in the project, as this may
differ from the objectives of the proposed borrower, but in many areas the
lender and the borrower will be considering the same variables. Both will be
looking for security, for the ability to repay the borrowings, and the degree
of risk . They will consider the degree to which a variation in the
underlying assumptions may alter the overall results of the project. However, the
proposed lender will usually view things in a more sceptical light than the
proposed borrower. It is therefore
important when presenting a case to a lender to be able to view the project from
the lender’s perspective. The manner of
presentation will also be important. A good project badly presented will not
impress a lender – if a proposed borrower cannot prepare a request for funds
in a proper manner, how can the lender be sure the borrower will manage the
project effectively. Peter Brown and
Co are able to assist their clients in presenting a professional well thought
out and well argued case. |
To contact us and ask for our services click here
|
The Government has recently relaunched and
extended this scheme in the light of recent economic events. In the present economic situation the terms
available under such schemes are rapidly changing, and we will discuss the
requirements of a client in the light of conditions applying at the time. We
have extensive contacts with various providers of funds and financial
intermediaries and will tailor a solution to a client’s specific needs. |
To contact us and ask for our services click here
|
There is a wide range of grants available
from a variety of sources. The conditions upon which grants are paid
are rapidly changing, and we will discuss the requirements of a client in the
light of conditions applying at the time. We have extensive contacts with
various donors and will tailor a solution to a client’s specific needs. |
Terms and conditions of lending
To contact us and ask for our services click here
|
It is often the case that a borrower is
simply glad to get hands on the funds – but we will advise and assist in
ensuring that the terms for interest, repayment, early settlement etc are
both fair and reasonable, and meet the specific needs of the client. |
To contact us and ask for our services click here
|
Many businesses overlook the fact that
money tied up in debtors stock and work in progress is a potential source
of funding. If money can be released
from these current assets, then they will be available for other purposes. Funds can be released by following more
efficient commercial and business practices – such as better credit and stock
control – where we can help. They can also be released by the use of
factoring and stock financing arrangements, where we have contacts that might
be able to help. |
To contact us and ask for our services click here
|
Lenders will often ask for periodic
progress reports and management accounting information. We can assist you in
establlishing reporting systems that will enable you to meet the requirements
of lenders. |
Peter Brown & Co is a trading name of Undershot Ltd,
registered in England , no 4114468. Director :- P.Brown FCCA, FCIE,DchA,BSc.The registered office is Acomb
Grange, Grange Lane, York, YO23 3QZ.
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