Understand your working-capital requirements and prepare cash-flow forecasts, financial information and supporting documents for lender assessment.
A useful banking discussion starts with a clear explanation of the business: how cash moves, why funding is needed and how repayments fit the operating cycle. Finantrics helps bring the numbers and supporting records together so you can present that explanation consistently.
Start with the working-capital requirement
We review where cash is tied up in receivables, inventory, project mobilisation or retention, and when suppliers, payroll and other commitments need paying. The aim is to distinguish a recurring funding requirement from a short-term timing gap and show the assumptions behind the amount.
Build the cash view
We prepare an agreed forecast linking expected receipts, operating payments and financing cash flows. Scenarios can test a delayed customer payment, a larger inventory purchase or a change in project timing. Each case should show the resulting cash position and the assumptions that changed.
Where existing facilities are relevant, we review the information provided on balances, limits, interest or profit charges, fees and repayment dates. Bringing these commitments into the forecast helps you see how current borrowing affects cash available for the next stage of work.
Prepare financial information for assessment
- Management accounts and explanations of material movements.
- Customer and supplier ageing, inventory information and project commitments where relevant.
- Cash-flow forecasts, repayment schedules and scenario assumptions.
- A clear schedule of the requested funding purpose and the records supporting it.
- Checks for differences between accounting records, bank information and other documents supplied.
We agree the document checklist around your business and the lender’s stated requirements. Any gaps, unreconciled balances or provisional assumptions are identified so you know what still needs attention.
How we work
We first discuss the decision you need to support, your current finance setup and the records available. We then agree deliverables, responsibilities, fees and timing. We can work alongside your existing accountant and connect this work with ongoing reporting or cash forecasting where useful.
What should we bring to the first discussion?
Recent accounts, bank statements, receivables and payables reports, details of existing facilities and the lender’s document request are useful starting points. Contracts, stock plans and known major payments may also help explain the funding need.
Can this help with an existing facility review?
Yes. We can organise current financial information, review repayment commitments and update the cash forecast around the questions being considered.
Can you work with our current accounts?
Yes. We review their completeness and agree any reconciliation or additional analysis needed for the work.
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