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Business Funding Solutions

We can help with:

  • Loan Renewal Service
  • Banking / Funding Assurance Reviews
  • Post-Covid Business Health Checks
  • Restructuring Clinic
  • Loan Fund Solutions
  • Private Investment Solutions
  • Grants and Government Support Schemes Services
  • Tax Advice

Reboot your Business - Protect, Plan, Prosper

The funding landscape has changed dramatically over the last number of years with significantly increased regulatory requirements imposed on regulated lending institutions.

FPM understand how these changes affect businesses across the Island of Ireland, North and South.

More stringent regulations in the financial services industry has made business funding increasingly complex for loan providers.

In response, FPM has launched a new Business Funding Solutions Division to meet the increasing needs of business clients.

It is important that businesses recognise the changes within the industry, the potential impact for them and equip themselves with the knowledge and the skills to plan and ensure their businesses continue to thrive and prosper.

Our Business Funding Solutions Division is designed to successfully steer your business through the evolving funding environment.

Whether you need to renew your loan facilities, access increased funding, or restructure your business, our experienced Business Funding Solutions Division is here to help.


Business Funding Solutions | Services

Click to find out more about the services the Business Funding Solutions Divison has to offer:


LOAN RENEWAL SERVICE

Avoid precipitating a funding crisis by engaging the experts in structuring loan facilities at FPM, at least 3 months before your business loans expire.

FPM’s Loan Renewal Service ensures that a bank receives a robust business plan, with up-to-date financial information and projections, clearly articulating future funding requirements.

Should discussions with the existing lending institution prove unsuccessful, our team will help negotiate alternative funding arrangements through FPM’s network of panel lenders. FPM has built up a wide range of traditional lenders and specialist funders to meet the full spectrum of funding needs.


FUNDING ASSURANCE REVIEW

A Banking / Funding Assurance Review by FPM’s professional advisors, under the guidance of strategic banking consultant, Gavin Kennedy, will measure how robust your company’s financial controls are. Our experts will make recommendations for improvement and deal with any issues arising, for example, pro-actively negotiate the waiving of breached covenants or terms and conditions with your lender.

Our experienced team will also conduct a financial stress test which will prepare/review financial projections and assess your company’s funding adequacy going forward.

 


POST-COVID BUSINESS HEALTH CHECK

FPM has developed a Post-Covid Business Health Check, which is specifically designed to assess the holistic impact of the coronavirus pandemic on a particular business. The FPM team will review government loan scheme documentation and put together a response plan, which will roadmap the route to recovery.

The plan will encompass all aspects to ensure that your business has the requisite support to overcome the impact of Covid-19 and recover to full capacity. This will include negotiating with:

  • Lenders;
  • HM Revenue & Customs;
  • Landlords;
  • Customers; and
  • Suppliers.

RESTRUCTURING CLINIC

Given the large numbers of businesses requiring assistance in this area, FPM has established a Restructuring Clinic as part of their long-established Restructuring & Recovery Department to meet client demand.

The Restructuring Clinic addresses the full gambit of restructuring issues from simple Concessions, formal Forbearance, Independent Business Reviews right through to formal Insolvency.

FPM has a number of highly experienced insolvency practitioners who are licensed in Northern Ireland, Ireland, and the UK to provide expert advice to help clients navigate their way through financial difficulties.

 


LOAN FUND SOLUTIONS

FPM has a very successful track record in exiting business customers from Loan Funds. You can find out about some of the Landmark Debt Deals here.

By working with the client and the Loan Fund appointed representatives, an equitable arrangement is negotiated for both parties. Furthermore, our experts have access to a wide range of alternative funders to expedite refinances. Our goal is to relieve the pressure and put your mind at ease by looking after the whole process from start to finish.


PRIVATE INVESTMENT SOLUTIONS

Raising private equity may be a key component to fund growth or can be used to facilitate an exit.

When sourcing venture capital and private equity, it is important to be clear about the benefits that you will offer the investors. Our experienced team will support you at every stage of this process. From initial pitch, through valuation and due diligence, to negotiation and closing.

Our strong connections with a diverse network of investors, sector-specific funds and FPM International network, ensure we can provide both national and global comprehensive services and support for businesses seeking investment.


GRANTS & GOVERNMENT SUPPORT SCHEME SERVICES

Grants and State-sponsored funding are a vital support to businesses and play an important role in both protecting and developing our economy. However, navigating the eligibility criteria and objectives of these schemes can be complex and time-consuming.

Understanding the potential impact of, and adhering to, the terms and conditions of State-sponsored supports, in the context of normal commercial funding, is critical. Our Business Advisory team, led by Michelle Hawkins will ensure that you do not miss out on relevant grants and schemes.


TAX ADVICE

If there’s a way to reduce your tax liability, or even better add funds by claiming reliefs,  you’ll want to know about it. This includes Research & Development assistance.

Tax planning is critical in determining appropriate business funding and investment structures. Our tax experts will help you navigate the complex tax system, ensuring that you avail of all relevant allowances, reliefs, and exemptions so you can maximise the funds available to develop and grow your business.

NEED MORE HELP, ASK THE EXPERT...

Michelle Hawkins | Head of Advisory

businessfunding@fpmaab.com