What to prepare before a business funding conversation
A practical brief for the first call: purpose, amount, timing, trading figures, commitments and the questions still to resolve.
4 min read Read guide ↗Business creditYour company credit score: how to read the wider picture
Understand what a business credit report can contain, check the company identity and separate a score from a lending decision.
4 min read Read guide ↗Funding mechanicsInvoice finance: the questions behind the advance
Use your ledger to test a facility: eligible debt, concentration, costs, customer contact and the effect of late payment.
4 min read Read guide ↗Funding mechanicsHire purchase or leasing: start with how you will use the asset
A comparison worksheet for ownership, deposit, running costs, end payments and the point when your business needs to change equipment.
3 min read Read guide ↗Costs and cash flowMerchant cash advance costs: compare the amount and the timing
A worksheet for separating the advance, total repayment, collection percentage and the cash left for ordinary trading.
4 min read Read guide ↗Costs and cash flowCompare the whole business funding agreement
Go beyond the headline: net cash, total repayment, dates, fees, security and flexibility on the same decision sheet.
4 min read Read guide ↗Planning aheadA simple cash-flow forecast before you borrow
Map the dates money arrives and leaves, then test the proposed repayment against an ordinary and a more difficult trading period.
4 min read Read guide ↗Finding your bearingsStart with the purpose, then explore the funding
A way to organise the question before you compare products: what creates the need, what closes it and which facts a provider must assess.
3 min read Read guide ↗Your business. Your decision.
Make your next move a considered one.
