The Five C’s of Credit!

Capacity: the business’s ability to continue to generate sufficient cashflow to meet its ongoing financial obligations

Capital: the level of financial investment that the owners have invested in the business

Collateral: other assets that the business owners may have available to offer as security in order to mitigate some of the lending risks

Conditions: the external environment that could impact the business, including: economic, legal and regulatory, competitive, technological conditions etc.

Character: who are the key people involved in operating the business (not just the owners), what are their backgrounds, skills and capabilities? How reliant is the business on each individual?

We can work with you and your accountants, and your other advisors:
⁃ to help develop appropriate strategies to manage these aspects of credit risk; and
⁃ to prepare a compelling funding proposal to assist you in securing the funding you require