Capital for a business decision.
Regalis considers business funding needs in the context of operations, assets and cash flow. Requirements may involve acquisition, expansion, working capital, equipment or an existing debt restructure.
REGALIS / BorrowersCapital for an operating requirement
The purpose of the funding determines the assessment. Short-term working capital, a business purchase and equipment investment can require different repayment profiles and different funding providers.
We seek a clear understanding of how the business earns and converts revenue, what the new capital will achieve and which obligations already exist. Financial information, asset details and management assumptions support that discussion.
Regalis may assess a direct finance opportunity or act as broker to arrange an external facility. The role, provider and proposed fees should be clear before the client proceeds.
Make the use of capital and cash cycle clear
Working capital bridges the cash cycle between paying expenses and collecting receipts. Equipment funding relates to an asset with its own useful life. Acquisition finance depends on the business being purchased, the transaction structure and the capacity of the combined operation to service debt. These needs should not be treated as interchangeable simply because the borrower is the same company.
A useful discussion connects historical performance with current management information and a supported forecast. Explain customer concentration, seasonality, existing facilities and any owner contributions. Where property supports the borrowing, distinguish the property security from the operating cash flow expected to meet payments. Regalis finance broking may be appropriate for equipment, receivables or other provider-specific structures. Explain both the initial expenditure and capital required after the transaction.
The process, explained
- 01
Describe the requirement
Start with the amount required, use of funds, timing and source of repayment. Identify the borrower and any broker or adviser involved so communication follows an agreed route from the outset.
- 02
Confirm the funding relationship
The team considers whether the scenario may be assessed for direct funding or through Regalis acting as finance broker. The proposed lender, service provider, costs and responsibilities are explained as the structure develops.
- 03
Review evidence and proposed terms
Detailed assessment can involve financial records, valuation, security review and legal documentation. Read the proposed costs, conditions, payment obligations and exit assumptions together. Raise missing information and changes promptly, before relying on an indicative position.
- 04
Document, settle and monitor
A transaction proceeds only when the relevant decision maker approves it and required conditions are met. After settlement, follow the facility reporting and repayment requirements and discuss material changes before an obligation is missed.
Questions before you proceed
Is property always required as security?
The structure depends on the requirement and provider. Property-supported lending differs from equipment, receivables or other business facilities. The team can discuss the appropriate assessment route after understanding the assets and cash flow.
What financial information is useful?
Current management accounts, historical financial statements, a debt schedule and a clear cash flow forecast may be relevant. Explain assumptions and unusual items. The detailed request will depend on the purpose, entity structure and funding provider.
Start a considered conversation
A clear initial outline helps identify the next decision and the evidence needed to support it. Include the proposed timing and any complication that could affect the structure. Further information and transaction-specific terms follow through the appropriate assessment process.