Does it seem like your banker just isn't getting your message? Do you feel like you're speaking a foreign language because the bank manager just doesn't understand?

It's not always the banker's fault. Often, business owners simply do not have the time to formulate their thoughts properly, much less put them down on paper. But it's essential to give a potential lender a clear and complete picture of your business and to convey, with confidence, that you know where your business is going. This is especially important if your loan collateral isn't cash or gold bullion.

We can help you get your message across. You would be surprised how many times owners of a growing business did not expect to get financing for growth, but did after consulting with us, preparing the required information and communicating it effectively.

This is what we do for you:

• Help formulate and formalize a business plan
• Prepare earnings and cash flow projections based on your proposed ideas
• Give you feedback based on our experience and in consultation with a network of other accountants, lawyers, bankers, engineers, architects, and other professionals. This will help you determine whether your plan is realistic before you try to convince a lender that it is.
• We can meet your banker with you. We can help bridge any communication gaps, e.g. translate financial terminology. Such a meeting will show that you work closely with us as your business advisors. This implies that you get second opinions from objective professionals before making important decisions. This gives a lender greater comfort in dealing with you.
• We can advise you whether a lender is asking for too much security. Having prepared the facts of your proposal, we'll help you with your negotiating strategy. It is difficult (but not impossible) to convince a bank to release security once they have it, so it's better to avoid any excess security at the start.