The service is suitable for situations where a company is seeking loan financing or other forms of debt-based financing. The financing need may relate to investment requirements, project financing or strengthening of working capital.
Depending on the scale of the desired financing arrangement, the most suitable service version can be selected from three alternatives – under €2 million, €2–10 million, and €10 million+. Each solution is tailored to the client company’s situation, objectives and financier requirements.
The company seeking financing should demonstrate at least moderate profitability and the ability to pay a reasonable interest rate. Loan financing may be secured or unsecured, depending on the client company’s situation and objectives. In addition to the company’s profitability outlook, the value and liquidity of any available collateral influence the interest rate and the likelihood of a favourable credit decision. Clearly defined financing needs, objectives and supporting documentation enable efficient progress towards a positive financing decision.
Finanssitaito compiles the relevant information regarding the financing project and presents it to the most suitable financing channel for a preliminary financing decision, taking into account the client company’s situation and objectives. Finanssitaito also assists, where appropriate, in financing negotiations throughout the application process.
Process
Our service is entirely free of charge until the agreement has been signed
1.
Complimentary financing eligibility assessment
We assess your company’s financing possibilities free of charge and without any obligation.
2.
Engagement agreement
Once we have validated the project’s financing eligibility, we will offer an engagement agreement under which our fees are based on a modest base fee and success fees linked to the results of the service.
3.
Financing planning
We assist in preparing budgets relevant to the financing and the financing application.
4.
Financing application and negotiations
We present the opportunity to suitable financing institutions and assist in preliminary negotiations with them.
5.
Receiving and evaluating financing offers
We assist in interpreting and evaluating the financing offers received. The client decides on how to proceed with acceptable offers.
6.
Financing negotiations and agreements
We assist the various parties in financing negotiations until the financing agreements have been signed and the loan can be disbursed to the target company’s account, or other forms of financing can be implemented.
7.
Implementation of financing
We assist with any practical matters related to loan disbursement or implementation.
Our experts will be pleased to provide further information about our services and discuss solutions tailored to your specific needs.
