skip to Main Content

SMEs & CORPORATE FINANCE

Businesses, SMEs, Corporates

(Any Purpose – Any Amount – Any Background)

SMEs & CORPORATE FINANCE

Businesses, SMEs, Corporates

(Any Purpose – Any Amount – Any Background)

“SMEs & Corporate finance deals with, how the businesses deal with funding sources, capital structuring, and investment decisions? It is primarily concerned with maximizing Promotor & shareholder value through long and short-term financial planning and the implementation of various strategies”

Esteema provides: 

  • Business Premises Finance (New Built, Purchase or Restructuring)
  • Business Finance (Operating Business – Purchase or Restructuring)
  • Working Capital (Assets Finance, Invoice Financing)
  • JV and M&A Financing
  • Special Situation (Adverse, Turnaround, Restructuring, etc)

What makes Esteema Capital Partner ‘DIFFERENT’?

  • SMEs & Corporate Finance Expert
  • End-to-End Funding Structure: Senior Debt, Mezzanine, JV & Equity.
  • Revolving & Growing credit line.
  • Expert & 360º Credit Risk Mitigation Underwriting.
  • Direct investment & development opportunities to the investors

SMEs & Corporate financing is very complex because of various financial & business covenant regulations, it requires exceptional expertise in 

  • Real estate & Corporate’ industry Structuring 
  • Financing & legal structuring  (Op-Co & Prop-Co)
  • Specialist Capital Market Access
  • Credit risk mitigation underwriting

We, at Esteema, are proud to inform that we are experts for all types of SMEs & Corporate financing, where traditional finance can not compete with.

We have special funding facilities Term for  ‘Any Purpose – Any Amount – Any Background’

Business Premises Finance

  • Purchase, New Built, Expansion
    Restructuring
  • Any Background – Any Sector
  • Up to 100% Finance & No upper Limit

Business Finance

  • Trade Finance, Working Capital.
  • Revolving credit line
  • Finance restructuring
  • Up to 100% Finance & No upper Limit

Assets Finance

  • Purchase Key Business Assets
  • Plants, Machinery & Fleets.
  • Revolving Credit Line
  • Up to 100% Finance & No upper Limit

Invoice Finance

  • Improved Cashflow
  • Instant approval
  • All sectors & All background
  • Up to 95% Finance & No upper Limit

Special Situation

  • Any Adverse / Special Situation.
  • Up to 70% of assets value finance
  • Up to 100% with additional security
  • Same-day approval & No Upper Limit

M&A

  • JV, Merger & Expansion.
  • Management buy-out or buy-in
  • All business sectors
  • Up to 100% Finance & No upper Limit

Esteema SMEs & Corporate Finance

Traditional Financing
✓ Financing StructuringYesNo
✓ Any PurposeYesNo
✓ Any Type Financing Short Term, Medium-term & Long-Term Loan No
✓ Any Sector YesNo
✓ Any Borrower (UK & International)YesNo
✓ ANY SPV (UK or Offshore)YesNo
✓ Any Location (UK) YesNo
✓ Multi-Currency & Cross Border Funding YesNo
✓ Loan SizeNo Upper LimitNo
✓ LeverageUp to 70% No
✓ Interest RateFrom 3%No

Key Factors Affecting the SMEs & Corporate Finance

Borrower Profile

✓ Personal & Business profile
✓ Professional Team Profile
✓ Experience & Track Record
✓ SPV Structure & Location

Collateral Profile

✓ Business Premises Valuation
✓ Business Going-Concern Valuation
✓ Other Collateral
✓ Location, Demand & Supply

Financial

✓ Past Operating accounts
✓ Projected Accounts & Cash Flow
✓ A&L and Income profile
✓ Operational / Lease terms/break clause

SMEs & Corporate Finance Guide

SMEs & Corporate Finance Documents

Following are the standard documents subject to the purpose of the finance

BORROWER INFORMATION 

  1. KYC: ID, Address proof, Personal & Professional profile about the hotel industry experience, Credit report for all the Borrower, Director, Partners & Major Shareholders
  2. Borrowing  Structure:  Personal /Partnership/Corporate structure full detail & flow chart, Directors, Shareholders, UBO, and registered address
  3. Money Laundering Documents: Assets & Liability Statements, Income & Expenditures Statements, Equity (deposit) proof

COLLATERAL INFORMATION 

  1. Collateral: Full descriptions, brochure, valuation report (if available),
  2. Operation Profile:
    • Operator (self-operation or management, full details & terms conditions) or
    • Rental ( Tenancy profile, experience detail, financial strength/profile )
  3. Financial:
    • As an owned business/ operator: Past Operating accounts, Projected Accounts & Cashflow for new built / expansion or restructuring.
    • As an investor:  Tenant Operator profile, experience, team, financial Strength & accounts, Projected Accounts & Cashflow for new built / expansion or restructuring. Lease terms/break clause
  4. Purpose:  Purchase, Refinance, Restructure, Investments, Developments, Business purpose, Refurbishments

 

BUSINESS PLAN: Business plan to provide the following key information

Executive Summary of the current business 

  1. Company Description
  2. Market & Competitive Analysis.
  3. Description of Management and Organization
  4. Breakdown of Your Products and Services.
  5. Past accounts, P&L and income profile
  6. SWOT analysis

Executive Summary of your proposed finance requirement 

  1. Finance: Purpose of the proposed finance requirement, Amount, period, repayment strategy
  2. Projected P & L,  business forecast.
  3. Collateral: proposed collateral & guarantor, to support finance.
  4. Projected SPV & Management Structure  ( for any new acquisition, expansion, restructuring etc)
  5. Risk Mitigation Strategy: for any downfall
  6. Projected SWOT analysis

SMEs & Corporate Finance FAQ?

How much can I borrow?

This is no upper limit for us to provide the finance. Finance limit depends on the many factors as per the key factor listed. But in summary, most lender’s decision is based on the experience of the proprietors; security value; track record; business performance, affordability and a good business plan. If strong on all these criteria, 100% financing on very competitive rates is achievable.

 

Can I borrow with an adverse credit report?

Yes, you can. Whilst it is not ideal, we will look to understand your business, overall circumstances and your credit record and advise on the funding options open to you. We would strongly advise to inform us of any outstanding creditors, CCJs, arrears etc at the outset as this can save time, avoid unnecessary costs during the loan application process and position ourselves to place you with the right lender.

 

I operate in multiple locations.  Can I get the multicurrency finance?.

Yes, we can help you to get finance in most major currencies.

 

Can I get the finance to build the new premises for the business/corporate?

Yes, we can help you to get finance even with no building experience. We will advise you for the smooth financing procedure for the new build/expansion etc.

 

Can I get the finance for a closed SMEs  / corporate with no trading historical accounts?

Yes, we can help you to get the finance even with no historical accounts & experience. We will advise you for the smooth financing procedure for such an acquisition.

SMEs & Corporate Finance Costs

The following costs should be considered at the time of availing the SMEs & Corporate Finance:

  • Arrangement Fee: The arrangement fee or the facility fee, is usually charged by the lender as a set-up fee for the loan
  • Exit Fee: The fee is payable to the lender when repaying the loan
  • Broker Fees: These are the fees payable to the Broker for finding the best lenders and managing the application to completion
  • Valuation Fees: This is the fee that has to be paid to the valuer, who shall be instructed by the lender to furnish a report on the collateral/project
  • Legal Fee: Usually, the borrower would have to pay the legal fee for their own solicitors as well as the lender’s solicitors fee

Completion Timeframe

We always aim to bespoke the ‘Financing Time Plan and Finance T & C, to meet the individual requirement. Our standard indicative timeframe :

  • Initial Finance Terms: We usually provide Initial Finance Terms within 24-48 hours.
  • Emergency Finance:  We can complete the finance within 48 hours in case of any emergency or distressing situation.
  • Standard Finance:   We usually complete Standard Finance within 6-8 weeks.

Notes: Financing time frame & Finance T &C are always subject to providing all satisfactory documentation, full credit underwriting,  valuation and legal.

Jargon Buster

Please refer to the Knowledge Bank section for more information

Esteema Syndicate & Structured Financing Expertise, provides the complete peace of mind. Please contact us in confidence for

‘Quick Decision – Quick Financing’

 

Contact us

Please send us the ‘DETAILED INFORMATION’  for the ‘Quick Decision & Quick Financing’

    Back To Top