- 0118 934 9487
With Alpha Financials working as your trusted and independent partner, our wealth of financial and commercial experience spanning a variety of industries, ensures you have the information and team support needed for your business to thrive – from the confidence to capitalise on new opportunities, to solving financial problems, or simply just to bounce some ideas around – we are always at your service.
Clearing the hurdle of deciding you need to raise capital is a big decision – but it’s only the start. The path to raising capital is rife with pitfalls. For instance, where do you begin to look for the source of money? Do you go to a regular High Street or specialist bank, a venture capitalist, a business angel, or dig into your own pocket?
Alpha-Financials knows what is required for each of these options and will ensure you get the appropriate outcome and the best financial deal.
The two crucial success factors when raising capital are:
To choose the correct option for your particular circumstances (it really is a jungle out there!).
To fully understand the requirements of your choice (as each differs substantially).
Your decision should be based on a professional analysis of your balance sheet, future cash flows and the nature of your business. This will let you choose between such funding options as:
Alpha-Financials’ experts can guide you through the entire process and share their knowledge & experience, the advantages and disadvantages of each of these options and recommend the best option – or combination of options – for raising finance for your business.
Why is Alpha-Financials your ideal partner for raising capital? It’s our understanding of the lending process, how it applies to the SME market and our expert financial tools. Combined, we have an insider perspective on how best to approach financiers and how and when to prepare your funding request information documents.
As a minimum, the following should be in your information documents:
These are all rather obvious areas to report on, but of paramount importance is how they are assembled and the underlying quality of them – something we have considerable experience of and expertise in. The importance of first impressions can’t be stressed highly enough here and you might only get one chance with particular investors or lenders
Alpha Financials is not aligned-with, contracted to, and does not act as an agent, advisor or sponsor for any specific peer-to-peer lending network or organisation. Instead, we will pursue the funding source best suited to your needs.
Your business finances are disorganised and/or your business faces solvency issues.
You might be at the point where you just don’t have the time, energy and/or knowledge to manage both the financial and operational aspects of your business.
Alpha Financials suggest a two-staged financial outsourcing process for moving your business from mess to success:
First, you need a high-quality bookkeeper. Your day-to-day standard bookkeeping will be outsourced for an average of two or three days per month.
From the outset, our accountant will implement a proper financial reporting system, OR we work with your accountant to do so.
This process is critical to understanding the underlying business and thus will evolve over a period of time – this varies between situations, but typically could be from one to six months.
The system establishment and your outsourced accounting work will average around two days per week and result in:
Reports that provide you with a clear understanding and management of cash, ensuring that you keep on top of things and if relevant to you – keep any threat of bankruptcy at bay. It will also allow you to understand and make sensible decisions about such matters as working capital management.
The production of regular breakeven reports, clearly indicating the level of sales required to cover your base expenses and outlining the required steps to progress towards your overall targets.
Finally, to assess your business’s overall financial structure and to suggest how to increase profits and improve risk management by better integrating finance and operations, we offer the services of one of Alpha Financials’ expert interim finance directors, typically for two or three days per month. The director will be there to provide overall financial guidance and strategy, analyse financial performance and offer wise financial advice in relation to any questions or ideas you may have.
In this type of scenario, most of our financial outsourcing services are ‘frontloaded’, meaning more days will be spent earlier in the process and slowly decrease as the process moves forward.
We suggest a continuation from our recommendations under stage 1 by having your financial services outsourcing include a bookkeeper for about two or three days per month.
Alternatively, once the process is established we can hand it over to your existing staff, or even split the workload – an attractive option for those who prefer that internal staff do not have access to all sensitive company data.
After a short period of time, the outsourced accounting (2-3 days per week) and the interim finance director (2-3 days per month) will provide on a regular basis, a full set of management accounts.
This ensures the full integration between finance and operations and thus will improve the business’s performance, cash flow and profitability.
Beyond all other requirements, making sure you have the right information at the right time is paramount on any road to recovery. This new found timely and accurate financial information empowers you by producing the so-called ‘balanced score card’ that clearly shows how the business is performing TODAY and a clear path ahead for how it will perform TOMORROW and BEYOND.
Correctly pricing a bid is the key to securing your future, but this requires balancing complex trade-offs between competitiveness, risk management and profitability.
At the same time, you have to choose between different options, each having different risks, durations and cash flow profiles. Needless to say, the project appraisal process is anything but straightforward. Why risk your future, when you could leave the navigation of this difficult task to someone with the experience, specialist skills and resources in investment appraisals that you really need?
In a bid situation where there is a mismatch of revenues and costs, pricing your offer and making sound capital investment decisions can be a complicated matter.
Similarly, investing in a new project or buying new equipment typically requires a large up-front spend. Whilst this could put a strain on your available cash resources and may require you to secure additional financing, it also creates a unique opportunity to transform your business.
Alpha Financials provides the solution to these and other scenarios, ensuring business owners know how to value these opportunities. This means understanding the likely returns, how risks and returns can influence them and in the case of a bid, what price will prove competitive whilst also ensuring good returns into the future.
Based on our extensive experience in investment appraisals, our assessments deliver you the keys we believe that any effective appraisal should contain:
“As MD with many staff and a hectic schedule, I like Alpha-Financials as a personal, part-time finance colleague, acting as an independent sounding board for my projects. They provide excellent analytical skills to help me take the right decisions”.
Ian Cleveland – MD, Verify Solutions Ltd
If you’re making a Capital or Project investment decision and asking yourself:
How should I price my bid?
What rate of return can I expect while remaining competitive?
How should I factor in my risks and opportunities?
What’s better: high up-front + low variable costs or low up-front + high variable costs?
Should I invest in project A or project B?
Should I lease or buy this asset?
What impact will the project have on my balance sheet?
Then your answer is Alpha Financials.
Valuing a business correctly largely depends on why you want to have a company valuation in the first place. Whether you’re negotiating with prospective buyers, buying out fellow shareholders, supporting an employee share option scheme or for other HMRC purposes such as family involvement or even divorce settlements, Alpha-Financials will match an independent company valuation to the specific situation you have.
This is important to note, as there are many valuation methods available to a business – so choosing the right one is crucial. These different methods can lead to widely different valuations, so it is essential you match the optimum approach with the particular situation and company valuation needs.
The most common question to start is ‘how much is my company worth?’ To know this, you first need a clear insight into the entire company valuation ‘picture’.
Although a single figure will eventually be required for contractual purposes, it rarely makes sense when you are first trying to understand how to value a business in a very uncertain world. Establishing the background allows for a far richer picture of the business to be established, which is crucial to achieving the highest sales price possible. Interestingly, using this technique, not only do potential buyers receive a better understanding of the business, but often the business owners gain new insights into the true value of the assets they have – which translates into additional confidence in asking for a higher price in negotiations.
To see the whole picture, Alpha-Financials uses five key guidelines for valuing your business in a credible and meaningful way:
“Business and project valuation has historically been based on the views of a few strong managers and subjective factors. Today, modern businesses need more, and Alpha-financials approach and methodology promote a logical and systematic approach to the discipline.”
Maria Land, CIMA Chiltern Branch
When it comes to determining how to value a business or a project, Alpha-Financials distinguishes itself from standard company valuations because:
We know that the financial knowledge required to run your SME on a day-to-day basis is very different from the knowledge you need when deciding how to value a business. Alpha-Financials closes this divide by minimising the financial uncertainties typically encountered when valuing a project or company.
With our standard company valuation, you will receive:
If you’re asking:
How much is my business worth?
Can I buy my partner out?
Is it time to sell up and retire?
Is my partner offering a fair deal?
Does it make sense to merge our businesses?
Then your answer starts with speaking to us at Alpha Financials.
If you are considering the sale of your business, or the purchase of another – whether in part or a complete buy-out, Alpha-Financials’ in-depth experience of M&A transactions ensures you sell or buy at the best possible price, within an agreed completion timescale.
More so, our comprehensive menu of project financing services means you save time – and money!
Our Merger & Acquisition services in detail:
Our proven, specialist valuation model provides you with an independent check against submitted bids and brings a professional credibility to the negotiation process.
If you’re asking:
How do I sell my business for the best price?
How do I sell my business whilst running it – and keep my sanity?
How would I buy out my competitor and at what cost?
Then Alpha Financials is your answer.
This is money trapped in your business today and released without extra sales tomorrow. The effort required to get it is minimal compared with the benefits, but if you don’t use it, you lose it.
Benefits of finding it:
Owners don’t find it because they:
This three-stepped continuous process is simple and self-financing but requires a very trained eye.
1. It is crucial to identify the right information. This might even already be available in your company but nobody realised its importance or cared to ask for it. Accountants typically do not gather this required information as they naturally collect past data, which is useful but insufficient to take future decisions, which must to be based on future cash flows.
2. The timing has to be right too, as you need to take decisions today that will influence your cashflow next month.
3. Now armed with real transparency about your financial performance which emphases cashflow forecasting, you can target profits and establish the required financial links to physical measures. Remember, the benefits to you and your business include:
A better understanding of your company’s current and future financial position
Improved cash management
Reduced risk for any need of emergency funding or, in the extreme, bankruptcy
Better decision making and improved levels of confidence for yourself, your banks and your financiers.
Established in 2009, Alpha Financials has extensive experience in fulfilling the various reporting requirements placed on smaller businesses, quickly, efficiently and effectively.
We’re expert and efficient, but you’ll also find us accessible, friendly and approachable. When you have those accounting questions that inevitably arise, we’re here to help.
We understand that you need to know that your statutory obligations are in good hands, so you can focus your creativity, energy and time on running your business. That’s exactly what Basics does for you – dependably, accurately and promptly, every time.