Work prior to initiating clients engagement

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• Understanding a borrower’s niche and experience level
• Verifying credit and liquidity upfront
• Matching borrowers with the right products instead of pushing pre-packaged terms
• Starting with trust and transparency before quoting rates

Institutional lenders typically have stringent requirements for borrowers, which may include:

1. Creditworthiness: A strong credit history and high credit score to demonstrate financial reliability.
2. Financial Statements: Detailed and audited financial records showing stable income, profitability, and sound cash flow.
3. Collateral: Assets to secure the loan, such as property, equipment, or accounts receivable.
4. Debt-to-Income Ratio: Low levels of existing debt in relation to income, indicating the borrower can manage additional repayments.
5. Business Plan: A comprehensive plan outlining the business model, growth strategies, and how the loan will be utilised.
6. Legal and Compliance Documents: Proof of legal standing, such as business licences, tax filings, and compliance with industry regulations.
7. Experience and Track Record: Demonstrated expertise and a successful track record in the relevant industry or sector.
8. Covenants: Agreement to certain conditions, like maintaining specific financial ratios or restrictions on additional borrowing.

*Historical accounting performance to show progressive EBITDA numbers.

*The market sectors in which the sponsor operates.

Summary of the raise 

*Capital stack breakdown

Business plan with projections (deliverability)

*Organisation structure
*Background to business
*Background to the sponsor/s (cv/s) 

Historical accounts
*Last 3 years’ personal tax returns
*Last 3 years’ business accounts 
*Personal financial statement for each owner 
*Assets and Liabilities of each sponsor

Overview
*A list of the assumptions on marketing, labour costs, purchase costs, legals fees etc
*The purchase price 
*Any vendor loan or vendor deferment details 
*Cash input from the client (minimum 10% in most cases)

Developers 

*Full development appraisals

*Development finance pack 

*We do need quality sponsors who demonstrate a track record of being able to deliver such projects. We also need sponsors with a good NET worth as there needs to be comfort for the lenders concerning cost overruns.

Things to consider 
*Track record to reassure the lender that the project can be delivered to budget and timeframe
*Cost overruns budget availability 

*Other businesses or assets/shares available as extra security and proof of serviceability?

Once we have this initial information, we can complete our review and hopefully proceed to a more formal application.

Principle lender funding sub lenders across the USA - UK - EU - Canada 

Minimum monthly - 3m

No maximum 

Requirement

*Background to the business 

*Lending criteria 

*Default process

*Current loan book details

*How will the new capital will be deployed?