CHALLENGE | DEAL
Facilities that fit the business now
The banking facilities in place were right for an earlier version of the business, and the mismatch is starting to cost more than it should.
Banking facilities rarely get revisited unless something forces the conversation: a covenant breach, a growth spurt, a renewal deadline. By then, the business is often negotiating from a position of urgency rather than strength. Reviewing facilities proactively, backed by a credible forecast, changes who's in the stronger position at the table.
WHAT THIS MEANS
Facilities that fit the business now is what's missing when banking arrangements haven't been revisited since an earlier stage of the business, and no longer match its cash needs, growth plans or risk profile.
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CHALLENGES
How we get you ready
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An honest facilities review
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A forecast that backs the negotiation
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Negotiating from strength, not urgency
Questions we get asked
How do we know if our current facilities are actually wrong for us?
Signs include facilities that no longer match how cash actually moves through the business, covenants that feel tighter than they should given performance, or simply not having revisited terms since an earlier, different stage of growth.
Will reviewing this put our existing relationship with the bank at risk?
No, a well-prepared, proactive conversation with your existing lender is usually welcomed, not resisted. Banks generally prefer a business that understands its own position clearly over one that's reactive.
Should we talk to our current bank first, or explore other lenders?
It depends on the specifics, and that's part of what the review establishes. Sometimes the right answer is a renegotiation with the existing lender; sometimes it's worth testing the market. Either way, going in with a credible forecast strengthens the outcome.
OUR APPROACH
Getting started is simple
Get in touch and we'll set up a short call to talk through where things stand. If a Sprint is the right next step, we'll scope it there and then. If it's Build, Scale, or Deal, we'll tell you that too, and why.
Get started