Debt Financing Prepared to Win.

Lenders approve businesses whose financials tell a clear, credible story. Whether you are approaching your bank, a challenger lender, or a growth debt provider, an ICAEW Chartered Accountant preparing your financial pack dramatically improves your chances of approval.

✓ Management accounts✓ Financial models✓ DSCR analysis✓ Information memorandum✓ Lender-ready financials

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Prepare Your Lending Application

We reply within one business day with a clear scope and fixed fee.

What Lenders Need — and What We Prepare

Modern lenders conduct detailed financial due diligence before approving any facility. We prepare the documents that make that process fast and straightforward.

Management Accounts

Up-to-date monthly or quarterly management accounts are the first thing any lender requests. We produce board-quality management accounts that show your revenue trajectory, margin profile, and cash position clearly.

Financial Projections

A credible 3-year P&L, cash flow, and balance sheet model, with assumptions documented and stress-tested. Lenders look for realistic projections that demonstrate your ability to service the debt even in a downside scenario.

DSCR & Covenant Analysis

Debt Service Coverage Ratio (DSCR) analysis shows how comfortably your earnings cover loan repayments. We calculate current and projected DSCR and model covenant compliance so there are no surprises after drawdown.

Information Memorandum

For larger or more complex lending requests, we prepare a structured information memorandum: business overview, financial summary, use of proceeds, management team, and risk mitigants. The document lenders need to escalate approval.

Historic Financial Review

We review and restate your last two to three years of statutory accounts to present your financial history in the most favourable — and truthful — light. Adjusting for one-off costs and presenting normalised EBITDA can materially improve your lending profile.

Lender Liaison

We speak directly to lenders’ credit teams on your behalf, answering financial queries and providing supplementary schedules as required. This reduces the back-and-forth that typically delays credit decisions.

Our Debt Financing Process

Lending Strategy

We discuss your financing need, timeline, and the type of facility that best suits your business — term loan, revolving credit, asset finance, or invoice discounting. We identify the lenders most likely to approve your request.

Financial Pack Preparation

We prepare your management accounts, financial model, and any supporting schedules. Where your statutory accounts need restating to present normalised performance, we do that too.

Information Memorandum

For transactions above approximately £500k, we prepare a formal information memorandum that packages your business story and financials into a document that credit committees can work from.

Lender Submission

We submit your financial pack and support your conversations with lenders. We respond to information requests quickly, which is critical — slow responses lose credit committee slots.

Post-Approval Support

Once approved, we help you understand the facility terms, model covenant compliance going forward, and set up reporting frameworks that keep you on the right side of your lender covenants throughout the facility term.

Debt Financing Questions

Most lenders require two to three years of statutory financial statements, your most recent management accounts (ideally no older than three months), a financial model showing projected P&L and cash flow for the loan term, and a summary of existing debt facilities and their terms. For larger facilities, lenders will also want an information memorandum, details of your key contracts, and a breakdown of your debtor book. We prepare all of this as part of a standard lending support engagement.

This varies significantly by lender and facility size. Challenger and fintech lenders can provide term sheet offers within 48-72 hours for smaller facilities based on open banking data. Traditional bank credit processes for larger facilities typically take four to eight weeks from initial submission to formal offer. The biggest source of delay is invariably the time taken to assemble and respond to financial information requests — which is exactly what we are there to manage.

Yes. A bank decline is rarely the end of the road. We review the reasons for decline, identify whether the financial presentation can be improved, and approach alternative lenders where appropriate. The UK SME lending market includes challenger banks, asset-based lenders, growth debt providers, and government-backed schemes such as the British Business Bank — each with different credit criteria. We know which lenders are most likely to approve based on your specific financial profile.

Lenders say yes to clear financials.

We prepare the financial pack that gets your lending application approved. Book a free call to discuss your financing need.

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Chartered Accountant UK Corporation Tax Returns Financial Statements SEIS & EIS Grant Applications Debt Financing Agreed Upon Procedures Management Accounts VAT Returns & MTD R&D Tax Credits Business Valuations UK