Access to debt finance is critical to the successive growth of most businesses; the higher the debt to equity ratio the higher the return on equity noting at the same time the more debt finance a business utilises the higher the business risk due to the commitment to pay interest and principal.
It takes a balance to achieve the optimum funding structure and many factors need to be considered; these include certainty of cash flow, capital structure, nature of business, management experience, taxation and nature of security.
Pacific Finance has for many years assisted clients with structuring growth, development and project finance. The complexity of the transactions normally means we work closely with the client's tax and legal advisers as well as our experienced financiers.
We source funding for:
Professional services partner buyouts or buy-ins
Specialised Project finance
Refinancing or restructuring for improved pricing and flexibility
Cash is King!
Managing day to day and seasonal cash flows is at the forefront of every successful business. Structuring the right working capital facilities will require careful consideration of the business trading cycle, peak funding requirements and relationship between other working capital components such as debtors, creditors and inventory.
Your options include:
Overdrafts or revolving lines of credit
Debtor or invoice finance facilities
Inventory finance facilities
Insurance premium funding