Raising Finance

This service is for businesses looking to raise new finance, increase or restructure existing borrowings, or who are considering a change of lender.

IBC can help with all of the following:

Working capital (overdrafts, factoring or invoice discounting)
Commercial mortgages and loans
Property investment finance
Building and development finance
Asset finance for plant and equipment
Import and export finance
BACS and Credit Card merchant facilities
Small Firms Loan Guarantee Scheme
Cashflow loans or Mezzanine Finance

Why use this service?

Dealing with banks isn’t easy. Their procedures are hard to understand, so borrowers often have little real influence over important lending and pricing decisions. Raising finance is therefore very time consuming and negotiations can be very one-sided.

The quality of lending managers also varies widely – many lack the time, skills or experience to give borrowers reliable advice and financial support.

Also, many borrowers do not realise that a lending manager’s own standing with the real decision makers – those at ‘Head Office’ – can adversely affect the terms on which a bank will lend money.

How can IBC make a difference?

We overcome these – and many other problems – by combining three key elements:

Specialist Knowledge and Experience – our inside knowledge of banking means we can influence key lending and pricing decisions because we understand the thinking and processes behind them.
The Power of Competition – we use competitive tendering to generate competition between lenders. This results in more keenly priced, flexible and competitive finance offers for our clients.
Experienced Lenders - we use only experienced lenders - individuals chosen for their lending abilities, ‘can do’ attitudes, or commercial awareness. Good lenders can improve the all-round quality of facilities offered.

But we don’t just give advice: we do nearly all the work, freeing up time for borrowers to concentrate on other matters. It is a proven formula that delivers significant benefits.

Summary of benefits

Easier, quicker and more cost effective access to finance
From lenders of the right calibre who have a track record of getting deals done on very competitive terms
Delivering valuable savings in both set-up costs and ongoing finance costs
Security is minimised to help protect business and personal assets
Improved lending conditions will reduce the risk of default
All with huge savings in both time and effort because we do all the work
And with confidential, independent and objective advice borrowers can trust

How do IBC get paid?

To avoid any concern over possible conflicts of interest, we prefer not to take any payments from lenders ourselves. Instead, we agree fixed fees with our clients – payable on success – and the lenders then recognise our input by tendering significantly reduced fees when ‘bidding’ to win a client’s business.

The net result is extremely cost-effective and user-friendly for borrowers.

To find out more either Contact Us, go to Frequently Asked Questions, or visit the Case Studies section.