Roger has a good track record assisting both new and established SME’s raise finance to scale-up their business. With traditional lenders having much less appetite today to lend to SME’s whose turnover is sub £5m, Roger has forged good links with the new lenders that have sprung up over the past 5 years earning a good profile.
Clearly every business has different needs as their working capital requirement will fluctuate, not helped by having to offer longer credit terms to its debtors. Similarly, suppliers will have credit limits on their buyers often demanding payment up front for anything above that limit.
A review of your requirements, assessing the risks, etc., soon determines the type of lending solution required. Many of the lenders Roger works with offer a facility that provides you with an unsecured revolving credit line over and above any existing bank borrowing, with no legal charge over your commercial freehold and no second mortgage over your home. Not even a personal guarantee!
Such a facility can be used to fund purchases of goods or services both in the UK and overseas with payments being made via a secure online platform in the currency of your choice. This means you can dictate your own terms with your suppliers, paying them at a point where it benefits your cash flow the most. You then have a credit period of between 30 to 150 days. No arrangement fee on this type of product either, instead you pay a transaction fee based on the amount and term. All fees including my consultancy fees are transparent.
For more complex borrowing types, Roger has access to lenders who may require a more formal security. Each business needs will vary as may the solution. Contact Roger today if you are looking for a gearshift in your businesses performance and want to scale up.
Motivated and experienced former commercial banker with a successful track record helping small and medium sized SME’s obtain finance to grow / scale up their business.
Roger also has good links with the Department of International Trade and UK Export Finance and is able to provide support and guidance to business looking to import / export.
Roger believes his strength rests in his ability to develop good working relationships with clients, understanding each trade transaction specifically looking at payment and lead times that determine the funding gap.