We add real value when advising companies on credit facilities by combining financial analysis with practical strategy. It’s not just about getting a loan – it’s about structuring credit in a way that supports growth without creating risk. The advise we provides are as follow:
1. Choosing the Right Type of Credit
Different facilities serve different purposes. We help match the business need to the right option:
- Working capital loans for day-to-day operations
- Lines of credit for flexibility with cash flow
- Trade credit from suppliers
- Term loans for expansion or capital expenditure
- Invoice financing / factoring to unlock cash tied in receivables
We assess which mix minimizes cost while maintaining flexibility.
2. Creditworthiness & Financial Health
We review the company’s financials to improve its ability to secure credit:
- Cash flow stability
- Debt-to-equity ratio
- Profit margins
- Credit history
We often help companies restructure their finances or improving their financial reports before formally applying credit facilities from banks. More importantly, we help you to package the financial information to increase the chance of getting your credit facilities approved.
3. Structuring and Negotiating Terms
We help negotiate:
- Interest rates (fixed vs variable)
- Repayment schedules
- Covenants and restrictions
- Collateral requirements
Poorly negotiated terms can restrict operations later, so this step matters.
4. Cash Flow Planning
Credit is only useful if it aligns with real cash needs. We assist business to:
- Forecast cash flow cycles
- Identify gaps or seasonal dips
- Recommend optimal borrowing timing and amounts
This avoids over-borrowing or liquidity crunches.
5. Risk Management
We help businesses avoid common pitfalls:
- Over-leveraging (taking on too much debt)
- Mismatch between short-term credit and long-term needs
- Exposure to rising interest rates
We may recommend diversifying funding sources to reduce dependency.
6. Compliance and Documentation
Especially important for SMEs, we ensure:
- Proper financial documentation
- Compliance with lender requirements
- Clear understanding of legal obligations
This reduces the risk of loan rejection or future disputes.
7. Alternative Financing Options
If traditional bank credit isn’t ideal, we may suggest:
- Private lenders
- Venture debt
- Government-backed financing schemes (common in places like Singapore)
- Equity financing as a complement to debt
8. Ongoing Credit Management
Advice doesn’t stop after approval:
- Monitoring facility usage
- Refinancing when better terms are available
- Managing lender relationships
We don’t just help you borrow money – we help you use credit as a strategic tool, balancing growth, cost, and risk.
Consulting for Business Success 