Here are some areas we think you may have some initial questions about. Please do not hesitate to contact us if you need further explanation or, there is another area we have not covered that is important to you.
Do you receive commissions from Funders?
No – we do not currently act as a Finance Broker. We advise on the most appropriate debt structure for your business. We do not receive any commission or fees from any funder. We work with you and your preferred funders albeit we can also work with Brokers to introduce appropriately FCA regulated funders, should you wish. Our funding structure recommendations may be a suite of solutions that involve a variety of funding options, ranging from debt to equity.
How do you work with our existing Advisors, Funders and Management Teams?
We are here to support your finance function and we encourage the early involvement with funders and advisors. We co-ordinate the process of raising finance in the most time efficient and effective way. Our expertise is in structuring, risk assessment and preparation of ‘credit-ready’ funding proposals. We can also review forecasts and undertake sensitivity analysis and debt structuring models to help support your finance teams, funders and advisors.
What is your Corporate Finance (CF) experience?
Nic Hanlon has over 30 years banking experience, of which the past 12 years has been exclusively in CF. Nic has structured finance for numerous MBO’s, Acquisitions, Cash Outs and variations thereof over that time. We are experienced in leveraged as well as traditional debt and equity structures. We undertake detailed cash flow analysis and sensitivities tests, as well as debt and equity structure modelling, to ensure your funding proposal is fit for purpose.
What are your fees?
Every business and every situation is different and therefore we tailor our fees to the brief. We only bill where we can add value and all fees are agreed in advance via our Engagement Letter and Standard Terms of Business.
What doesn’t HCA do?
We do not currently act as Credit Brokers – we work with your existing funders or preferred parties to help support your funding application.
We do not deal in distressed businesses. We also do not operate in regulated activities such as floatations, Consumer Credit Act products, nor are we regulated to give any personal investment advice or, other such FCA regulated activity.
To ensure we remain focused on the fund raising aspects for businesses, we do not undertake business sale mandates, nor do we undertaken business valuations – we would be delighted to introduce you to our trusted contacts in these areas.
Why use HCA?
Undertaking an ‘event based’ transaction such as an MBO, Acquisition or raising funds for Growth is a major step in any businesses lifecycle. It is important the process is well managed and the financial metrics weighed up. We help in bringing structure to that assessment of the proposal and assist in the negotiations with Vendors and Funders. Furthermore, ensuring your proposal is best structured and prepared for potential funders, is vital to give your business a sound opportunity of accessing the funds you need to grow your business. As all banks have their own credit assessment criteria, policies and process, we can not guarantee raising the funding your business needs. At HCA however, we have an insight into the credit requirements of funders and longstanding experience of structuring finance to help give your business the best opportunity of being prepared for funder credit assessment. We look to build long-term relationships with our clients by working with them on growth and succession planning.