Impartial advice to help you get the most out of your business banking relationship.
Our Banking Advisory team is led by Delphine Paterson
who is an experienced banker with an extensive network and first-hand experience of bank credit processes, attitude to risk and pricing strategies for borrowing and operational needs.
Speak to us for an independent insight into what is on offer and what would work from a banking perspective before
you even meet with the banks. An efficient way to ensure you get a fair deal.
Whether you need bank funding for growth, support when times are more challenging or just the peace of mind that the deal fits, we can advise you on:
Raising New Debt -
Advice on the most appropriate structure to meet your business needs, bank appetite and the information you will require to proceed.
Renewing Existing Debt Facilities -
Advice as to whether your current arrangements wholly meet your needs and other options you may have. Reviewing pricing, terms and conditions (including financial covenants and security).
Monitoring Debt Facilities -
Guidance to help you effectively monitor your facilities to ensure continued bank support.
Banking Operations -
Advice on efficiencies and cost savings in areas such as Service Charges, Payments and International support. As a result of our advice should you require us to manage any of the above on your behalf to ensure you secure the best deal then let us know. We are experienced in identifying specific funding options, producing business plans, forecasts and sensitivities, negotiating competitive terms, covenant criteria and security requirements.
What our clients say ...
“During these unprecedented and worrying times, financial stability for SME’s is paramount to help to ensure their survival and future success. I commend Delphine Paterson for her wise counsel, knowledge and dedication in guiding us through the myriad of protocols to take advantage of the Coronavirus Business Interruption Loan scheme and future fund.
If you need working capital facilities to help you to bounce back higher, look no further.”
- Ronel Lehmann, Chief Executive at Finito Education Limited
“Thank you Delphine for all your efforts and long late hours spent working with us to successfully achieve funding for the purchase of our target asset. Your knowledge of the commercial financing market was instrumental in achieving the most appropriate funding partner. Your diligence, knowledge and relationships with active lending institutions aided in securing competitive long term financing.
We feel your dedication and active process management made the difference in pushing the lender along to fast track the underwriting process; your anticipation and responsive attention in foreseeing the details required by the lenders greatly shortened the process. We are happy to recommend you to anyone seeking commercial financing; they will greatly benefit from your experience and guidance.
We will be sure to contact you regarding future purchases and re-financings.”
- Owen Kelly and Gerry Murphy, Directors at Bruhenny Grange Hotel Ltd
"Getting funding is one thing. Getting the right funding needs the right professionals on your team. Delphine’s knowledge of how the banking industry works achieved both of our two, perhaps seemingly diverse, objectives. Funding the buy-out of a senior shareholder and providing cash flow for a period of strong business growth.
Looking back, I realise we could not have done it without her.
She will be an integral part of our team to achieve our future business expansion plans.”
- Andrew Fordyce, Managing Director at IFSE Group
Take a look at what some of our other clients have to say about our services
. Or why not contact Delphine
for a no obligation initial discussion?