Independent debt finance advice for UK businesses
At Primary Finance, many of our clients come to us after already having approached one or several banks and failing to secure the finance they need. There are many reasons why a company might not be successful through their own funding search, but in our experience it usually boils down to the fact that they were simply not ‘lender ready’. They did not understand how to properly present their funding requirements to the market and did not have the time or lender insights to prepare themselves and their business for a lender’s due diligence and credit process.
It’s sometimes impossible for a Finance Director to devote the time required to drive a new funding search, as the needs of the day to day business can understandably be very demanding. That’s where we come in.
Primary Finance acts as a vital link in the chain between our clients and the debt market, connecting companies to the right funders using our many years of industry experience and up-to-date finance market intelligence.
However, we’re so much more than a simple conduit. We pride ourselves on the significant value we can add for our clients, providing them with expert advice and guidance designed to maximise their chances of securing the debt finance their business needs to achieve its goals.
When clients come to us, they sometimes have an idea of the type of funding they think they need. We don’t take this at face value; instead, we probe deeper into the issues your business is facing and what you are trying to achieve. We will actively challenge your assumptions where we believe a better solution exists, providing specialist advice on the optimum funding structure for your company.
Our team has been working in the debt finance space for many years, during which time we’ve built up an extensive range of contacts ranging from the more traditional high-street lenders to niche and specialist debt finance providers. Indeed, many funders come to us to help them support their clients if they aren’t able to themselves.
Our value add comes from our ability to obtain debt finance from lenders on our clients’ behalf that they wouldn’t have been unable to access without our support.
We can ‘sense-check’ a recommended approach with the market on a strictly confidential, no-names basis, giving you the confidence that our proposed route truly is the best option for your business. We are uniquely positioned to do this as a third party and because we know how to handle these approaches positively. This would be very difficult to achieve for a business approaching a funder directly.
Once a client commits to moving forward with our proposed debt solution, we play a key role in helping to properly present funding requirements to identified funders.
This involves putting together a proposal document or ‘funder pack’ for the lender, enabling them to clearly understand the proposition and helping to streamline the credit underwriting process further down the line. We’ll also provide the necessary direction to ensure your business is fully prepared for the process. This means compiling the business information a funder will need ahead of time and ensuring that key stakeholders understand how to present themselves and their proposition to funders.
We often demonstrate the importance of being funder-ready with a little anecdote from one of our previous clients. We were able to secure the business a £20m facility with the same lender that had previously rejected their funding application, simply by ensuring they were funder-ready and able to present their proposition accurately, but in the best possible light.
As an independent firm, we rarely earn commission from funders. If we do it is always fully disclosed and discounted against any client fees which would otherwise be payable. We are truly on your side, working with you to get a detailed understanding of your needs, source the funders who we believe will offer the best finance options for your business goals, and help prepare your company for success.
For expert debt advisory services that truly add value to your business, please do contact us to discuss your situation on 01763 299 475 or email hello@primaryfinancegroup.co.uk.
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Disclaimer: Primary Finance is an arranger of finance facilities and not a lender. We do not hold ourselves out to be an adviser to a Borrower. Any assessment and decisions concerning finance facilities sourced by Primary Finance reside entirely with a Borrower in conjunction with their own professional advisers. Any decision to make available finance facilities to a Borrower rests solely with a lender and not ourselves. Primary Finance strictly arranges finance for businesses, most typically limited companies. We operate by arranging strictly non-regulated commercial finance for companies, therefore Primary Finance is not FCA regulated and we cannot consider regulated finance requirements including for sole traders or individuals.
We may receive commissions that will vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.
© 2024. Primary Finance. All rights reserved. Website designed and developed by TOMD.
Disclaimer: Primary Finance Group is an arranger of finance facilities and not a lender. We do not hold ourselves out to be an adviser to a Borrower. Any assessment and decisions concerning finance facilities sourced by Primary Finance Group reside entirely with a Borrower in conjunction with their own professional advisers. Any decision to make available finance facilities to a Borrower rests solely with a lender and not ourselves. Primary Finance Group strictly arranges finance for businesses, most typically limited companies. We operate by arranging strictly non-regulated commercial finance for companies, therefore Primary Finance Group is not FCA regulated and we cannot consider regulated finance requirements including for sole traders or individuals.
© 2024. Primary Finance Group. All rights reserved. Website designed and developed by TOMD. Privacy Policy | Cookie Policy | Website Disclaimer
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