Our Commercial Finance Process

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01

Discovery

We invest time understanding your business, goals, cash flow dynamics, existing debt and strategic timeline.

The aim is to build a clear picture of what the finance needs to achieve before considering the available options.

02

Structuring

We consider the structure and suitable lender options for the specific situation.

Depending on the requirement, that may include asset type, facility term, repayment profile, security, covenants, pricing and wider commercial conditions.

03

Execution

Winterfold manages the finance process through submission, lender discussions, documentation and settlement.

We coordinate the relevant information and keep clients informed as the transaction progresses.

Approval and settlement remain subject to lender assessment and completion of required documentation.

04

Ongoing partnership

Settlement is not necessarily the end of the finance relationship.

As the business evolves, Winterfold can remain involved in reviewing existing facilities, considering future requirements and assessing whether the finance structure continues to support the direction of the business.

The four-stage process is consistent with the process set out in Winterfold's capability statement.

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What you may need to provide

Requirements vary, but information may include:

  • Business financial statements
  • Management accounts
  • Cash flow forecasts
  • Existing debt and facility details
  • Asset or property information
  • Purchase contracts or quotations
  • Transaction information
  • Relevant contracts or project details
  • Entity and ownership information

Winterfold will identify the information relevant to the particular requirement.

Clear information creates a clearer lender conversation

A well-prepared requirement can help lenders understand the transaction, business and proposed repayment strategy.

It may also help identify issues earlier and reduce avoidable back-and-forth during assessment.