Business Finance


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Looking to expand? Launching a new product or service? Moving to new premises? Need to replace old or outdated equipment?

There are lots of reasons why businesses may need to raise funds, and an ever-increasing number of ways to do so. Business Finance can be a challenge, but it’s one that we accept and can help you with!

Broken into two options, Debt or Equity, there are significant differences between them which can include maintaining future control of the business!

Debt

  • Bank Overdraft
  • Loans
  • Asset Finance
  • Invoice discounting
  • Factoring
  • Bonds

Equity

  • Owner’s family and friends
  • Business Angels
  • Crowd funding
  • Private Equity
  • Venture Capital
  • EIS / SEIS schemes

Identifying the best finance option, and driving the process to eventually bring the cash into the business can be a burden for any business owner, particularly when that needs to be done alongside day to day management and development. Our support throughout the process can be a big help!

This is particularly the case where the need for finance is driven by necessity, or left later than may have been ideal, as the day to day demands and stress levels are already high.

The ideal result is to maximise the appeal and likely success of your business prior to seeking finance. We can help you devise the best structure and, perhaps more importantly, constantly monitor and revise it as the business evolves and develops.

With a long experience of helping businesses obtain finance, we can provide support in the following ways:

  • Identify and accurately quantify the requirements of the business.
  • Prepare supporting evidence of affordability, scenario planning and feasibility in advance of any application, lending credibility.
  • Help ensure sufficient finance is sought to support both current and future requirements. Applying for too little can prove problematic for any subsequent request, suggesting insufficient planning or awareness within the management team.
  • Applications for EIS and SEIS schemes, following the process from start to successful conclusion.

Our network of contacts includes a range of different banks, providers of alternative funding solutions, and also Insolvency Practitioners, who, despite common opinion aren’t just there for the bitter end. Business Finance is one area where the wrong decision, or incomplete planning, can be extremely risky; contact us and let us relieve the pressure.

BaranovTV – Show me the money!

We’ve all heard the phrase ‘Cash is king’ but what do you do when you need an injection of cash? What are your options, how do you check your contacts are reputable and what do you need to consider before you make the first approach? It’s all in this episode of BaranovTV!

How will Barclays tightening lending criteria affect businesses?

Barclays Chief Executive Jes Staley has recently announced that they would be tightening their lending criteria ‘just to be prudent’, amid stunted economic growth that he put down, at least in part, to Brexit uncertainty. So what does this tightening lending criteria mean for businesses?

What is a CVA?

The pace of change within the retail world seems to be increasing everyday, with Mothercare, New Look and Carpetright all entering CVAs recently. House of Fraser is considering the option at the moment. Each company has hit troubled times and is looking to a CVA as a means of survival.

Related Info

Business Finance

Visit the Business Finance section of our Info Centre for more information about finance options and considerations.

Business Plans & Cash Flow Forecasts

Sound plans bring confidence and better sleep! Read on to find out more about the benefits, the processes and how we can help.

Management Accounts

The best way to monitor performance of a business, production and interpretation are key.

Can I just say we are so pleased that we have moved to Baranov Associates. As we discussed when you visited, we had to find a way to take the stress out of all of the financials and you’re doing that for us! We can see how to use Xero more efficiently and so with us being as on top of it as we can be and with you and Liz we feel a lot more confident about our business being in good shape.


Mrs S James, Sandbanks Capital Partners Limited

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