Financing advice
As an entrepreneur, you want to move forward and realise value growth every day. If you see opportunities for growth in your existing market or in new markets, this is often accompanied by a need for financing. Our advisers are happy to help you with this.
The importance of the right financing structure
Having a good financing structure is a must for any organisation that wants to grow. However, arranging financing as optimally as possible requires particular skills. Our Financing Advice team possesses those skills and advises and arranges the financing that best suits the ambition and strategy of your company. Not only do you receive the financing that suits your wishes and ambitions, but it also saves you valuable time.
A sophisticated financing plan
You believe in your plan, but is the financier just as convinced? Unfortunately, entrepreneurs and financiers often do not speak the same language. This leads to misunderstanding and difficult processes. With our many years of experience and knowledge with financing, we are happy to guide you through this process. Based on the strategy and business plan of your company, we will arrange a sophisticated financing plan for you, which will increase your chances. Here, we pay particular attention to growth and to absorbing any setbacks. The lowest interest rate is therefore not necessarily decisive for us. After all, in order to be able to do business freely, having room in other conditions is just as important. Think of a sufficient buffer in financial ratios and in clauses regarding investments, acquisitions and dividend payments, for example.
Making the right choices
Partly due to the exceptionally relaxed monetary policy, the number of financing forms and providers has increased considerably in recent years. Our team likes to make the financing market transparent for you. We always work independently and have good relationships with various financiers. This gives us the freedom to select the best possible options for you. From bank financing, leasing, factoring to alternative forms of financing such as subordinated financing, direct lending and venture capital – we always look for the best solution for your situation.
When to enlist our help
Your company is growing and you need more financing to facilitate this (international) growth. We are happy to help you find financing that is needed for investments in, among other things, business assets, business premises and working capital.
You want to make an acquisition. Our advisers are happy to find out how much of this investment you can finance by utilising the borrowing capacity of both companies.
Sustainable investments often have a longer payback period. That is why the financing of these investments requires a different approach than regular financing. Our advisers are happy to help you with this.
The (partial) takeover of a company by management requires a specific financing approach. The financial resources of you as a buyer are often not sufficient to complete a transaction. We are therefore happy to support you in analysing and setting up the most optimal financing structure.
Recapitalisation can greatly increase your company’s returns and reduce your personal risk. Think of refinancing subordinated loans, preferred shares and financing dividend payments, for example. It is important to structure this financing properly, without standing in the way of the growth of your company. Our advisers are happy to help you with this.
It is important to regularly review your financing structure and the related agreements. Below you will find some situations where our advisers can help you:
- “APK”: What is the borrowing capacity of your company? Do the agreed conditions still match the performance of your company and the current financing market? Are the conditions with regard to dividend payments and investments not too stringent, the repayments not too large and the rates not too high? We also refer to this as reverse revision.
- Strategy change: does the current financing still suit your company and ambitions?
- Expiring financing: when the financing of your company expires, it is important to start a refinancing process on time.
- Asset-based financing: replacing your current financing with financing related to your assets can be favourable in terms of the rate and other conditions.
A liquidity shortage, not meeting conditions and a deadlock in negotiations – there are several issues where you can use a financial restructuring. Sometimes a temporary loosening of the conditions and/or the credit is already sufficient. In other cases, a structural adjustment of the financing structure (such as converting debt capital into venture capital) or a complete restructuring is the best solution. We are happy to support you in finding the right solution for your company.
A good and lasting relationship with your financier is essential. You maintain this relationship by, among other things, informing your financier in a timely and accurate manner about the developments in your company. Our advisers can support you in this by providing periodic information and checking agreed conditions (also known as a signal function).
The Eshuis Financing Advice approach
In order for an entrepreneur to be well prepared for a financing application, it is important that a realistic picture of (the future of) your company is portrayed. A solidly substantiated business/financing plan is an essential means of informing a financier.
In addition, clear communication and adequate provision of information form the basis for a good relationship of trust between you and your financier(s). Our advisers will help you with this. We serve as a critical sounding board and provide thorough preparation, to-the-point analyses and specific knowledge and connections. Download the Financing Plan Checklist or read more about our approach below.
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Eshuis beschikt over vakspecialisten op het gebied van accountancy, belastingen, organisatie- en personeelsadvies. We bundelen onze krachten zowel in multidisciplinaire als in specifieke brancheteams. Zo zijn we altijd op de hoogte van wat er speelt in de markt en blijven we betrokken bij uw organisatie. Samen helpen we u om succesvoller te ondernemen én impact te maken.
