WHAT WE DO

·    We start out by developing a full understanding of your business including your future plans. This is achieved in a time and cost efficient manner by using a tailored Information Request List.

Download Generic Information Request List (  In_Context Finance Generic Information Request List.pdf, approx. 32K)

·    We structure or restructure financing facilities to meet your business requirements as well as financiers’ requirements. One of the principles of structuring is "match funding" assets and/or cash flows. This involves critical analysis of historical financials as well as forecasts. Ideally forecasts should be built as a dynamic 3-way Financial Model. Properly constructed models are invaluable management tools. We can assist you with constructing Financial Models.

·    We put together a detailed Finance Proposal Package . A Finance Proposal is in essence a Business Plan with a focus on financing issues. A good proposal:

 ü      sets out the proposed deal structure including any variations to existing facilities

ü      conveys a clear understanding of your business(es) and its strategic direction(s)

ü      interprets the historical and forecast financials within the business context. This is about "bean reading” as distinct from “bean counting” and goes beyond ratio calculations

ü      satisfactorily addresses risks and mitigants

ü      builds a persuasive case for the financing sought. This is critical where ‘out-of –the-  box’ financing structures or terms are involved

HOW the facts about your business are presented can make a difference to the outcome of a finance application; particularly if a complex corporate structure is involved and/or an 'out-of the-box' deal is sought. A good parallel is in litigation: how the facts of your case are argued and presented in court can make a difference between winning and losing.

·    We work with your existing financier(s) as well as identify alternative financiers appropriate for your business.

BENEFITS OF OUR APPROACH

Presenting a complete, properly considered and structured Finance Proposal Package:

·    ensures that the right message about your business and your requirements are effectively communicated in the credit approval process

·    eliminates frustration of protracted “piece-meal” requests for information

·    optimizes financing and security structures

·    speeds up the approval process as the Finance Proposal is readily convertible into an internal credit submission

·    improves potential to achieve ‘out of the box’ financing requirements (known as ‘exception to credit policy’ in finance terms)

·    enhances your relationships with your financier(s)Our approach can also help in identifying areas of improvement within your business.

With In-Context Finance, you have the benefit of customer-centric banking & finance experience working FOR you. Case Studies demonstrate that our process delivers results.