Access 2 Finance

Below are details of the types of finance we can assist you in obtaining for your business. A combination of some of the products are offered by some of  the financiers with which we have strong contacts and use regularly.

Asset Based Lenders

• We have extensive links at decision making levels with the main and independant providers and are able to quickly mobilise potential funders upon clients’ instructions.
• ABL lenders focus on ensuring their lending is secured on the business’s assets – usually fixed assets, receivables (debtors) and stock and plant and machinery – at the current independent valuations.
• Each asset class attracts its own risk and therefore the percentage advance levels vary according to that risk.
• In some cases we are also able to obtain cash advances to fund “spikes” in working capital requirements.
• Our longstanding relationships knowledge allows us to work with the right lender who has the appropriate appetite for the particular asset base | sector | industry involved to obtain the highest possible funding advance.
• We also aim to source “comprehensive” ABL financing if it is possible.  In other words finance over all the possible assets available, not just one asset class as that enables achievement of an even higher funding advance.

Invoice Discounting & Factoring & Trade Finance

• Our longstanding relationships with the main providers and knowledge of their deal likes and dislikes give us (and as a result our clients) unique access to the best deals.

Community Development Finance Institutions

• In an environment where banks have reduced their appetite to lend to smaller businesses lending to businesses by specialist lenders including CDFI’s has increased.
• We work closely with a number of CDFI’s nationwide seeking and obtaining loan finance for most business where bank’s would not have the appetite to fund viable and growth businesses

Equity & Mezzanine Finance

• We work very closely with a number of equity investors who invest in underperforming and distressed businesses whose fundamental objectives are to:
  • save the core business
  • re-build it, and
  • create long term value.
• The investors range from very significant private equity funds with substantial funds available to small niche funders and high net worth individuals. They all have their own individual investment sweet spots and deal parameters.
• Our job is to match our client’s needs with their investment objectives in a structure that meets both parties’ requirements.
• Our partners often invest in turnaround deals alongside other equity investors – so we are willing to put our money where our mouth is (but only on the express (and extremely important) condition that we have no conflicts of interest).

Property & Development Finance

• We have a team with many years of experience in seeking funding for developments; acquisitions of real estate and restructuring and rebanking facilities.
• Coupled with the fact that most trading businesses have some form of property our invaluable experience in this area coupled with our corporate finance contacts and restructuring knowledge stands us apart.
• For property development we have access to Forward Funding financiers including pension funds resulting in the completion of developments without the usual up front requirement for working capital for land acquisition and development build cost.

Grants & Loans from the Public Sector

• We have knowledge of different types of funding available from public sector organisations be they loans or grants even in these recessionary times.
• Packaging deals with a mix of public and private sector funding also stands us apart.

Enterprise Finance Guarantee Loans

• Wherever possible and to lever the most funds possible we will work with providers of finance who are accredited as EFG accredited providers
• Each of the accredited EFG Lenders have different rules
• We have extensive knowledge of the rules and requirements to seek EFG backed loans.

Types of Deals

We work on a wide range of deals – and they all depend on the commercial, legal and financial position of the business we are advising.

They range from

• Refinancing to avoid insolvency
• Accelerated disposals of businesses
• Acquisitions from insolvency some of which are “pre-packaged”  in advance of an insolvency process as part of a Turnaround plan
• Funding businesses that have proposed or approved creditors’ compromises.   This can include a solvent compromise (with no formal insolvency) or where there is a formal insolvent compromise such as a company voluntary arrangement (“CVA”)
• Rebanking of a senior or junior secured lender position where the lender wants to exit their position for whatever reason
• Mergers and acquisitions (usually) where a financially strong company or group acquires an underperforming | distressed or business in crisis either prior to or from an insolvency process. We work closely with companies and directors who have acquisitive strategies. We assist them by providing a complete service including:
• Seeking appropriate deals
• Acquisition funding and funding for future working capital
• Deal structuring
• Post acquisition management support
• Distressed debt acquisition
• Finance for distressed stock and plant and machinery acquisition

Why Use Us and What’s in it for You?

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