Testimonials Property Developer: "Thank you for all your hard work, I like the interest you show and how you present your numbers. This makes it easier for me to compare all the options."
Intermediary: "The deal has now exchanged! Thanks for all of your assistance in this matter. We will pass on your details for any clients of ours who are looking for land finance. You have worked beyond the call of duty on this deal and we appreciate all of your assistance so we will do our best to ensure you are rewarded by the future business that we pass your way! Best regards"
Borrower: "hi permjit I would like to say how impressed I was of you in the way you put all of your effort in trying to get me a loan...I would highly recommend you to any person requiring a loan or mortgage, thanks again..."
Borrower: “hi Permjit I just wanted to say thank you for all you are doing for me trying to organise this loan. You have been so on the ball & on the case. You keep me well informed by phone & email. when I successfully get the loan through I want to make sure if you haven't received a fee from the lenders or introduction I wish to pay for your time. Fingers crossed this works out. Many thanks”
I understand the varied and changing financial needs of a business and I am therefore able to offer a set of complementary corporate finance and treasury consulting services, including
establishing a corporate treasury,
managing counterparty relationships,
risk management (interest rate, currency, liquidity, and credit), and
interim treasury management.
I have worked as a treasurer in large companies and been involved in SMEs and sole trader funding. I also established a limited company and used it to acquire and run a High street bookshop that I subsequently sold.
Establishing or Reorganising a Treasury department After its incubation and germination stages, your company’s funding needs and risks will be proportionately greater, more complex, and more time-consuming, possibly necessitating the establishment of a dedicated treasury department to support your growth phase.
Alternatively, your business might have been part of an established company but has been spun-off into a separate company through a buyout or private equity transaction, and you need dedicated resource to establish (or reorganise) a treasury function, often very quickly.
I have the experience to identify your specific needs and establish the corresponding treasury infrastructure.
Relationship management Your relationships with your banks, shareholders, insurers and other financial stakeholders could become
I can support your relationship management by:
reviewing financing terms and conditions,
Assisting with, or participating in, periodic bank review meetings
Translating funding agreements into working models or spreadsheets
Interim Management & Research Occasionally your treasury department will experience a shortage of staff. This can leave you exposed. Alternatively, your treasury will need to consider and respond to a new activity, proposal, or direction, often under time constraints. I can provide interim management, whether to cover for staff absence or to undertake ad hoc tasks.
My experience enables me to help you whether the need is sorting out a backlog of deal confirmations, or managing a treasury department.
Many profitable companies fail through poor financial risk management. I offer an independent and objective assessment of your key financial risks:
Financial risk management
Liquidity, Interest, Currency, Credit, and Operational risks
Overall treasury health-check
Controls, procedures, and policies
IT integrity and disaster recovery
Currency and interest rate risk hedge design, execution, and valuation
Capital structure and composition.
Working capital efficiency
Regulatory Notice: Applied Corporate Finance (ACF) is not authorised by the Financial Services Authority. In relation to FSMA (2000) and subsequent revisions, this communication does not constitute: arranging a transaction in investments, making arrangements with a view to transactions in investments, a financial promotion, or an inducement or invitation to engage in a controlled activity or investment. Where this communication is a financial promotion, it is exempt from the financial promotion restriction of FSMA 2000 because of article 19 of FSMA 2000 (financial promotion order 2005), i.e., a) the financial promotion is directed only at persons having professional experience in matters relating to investments and any investment or investment activity to which it relates is available only to such persons or will be engaged in only with such persons; b) in relation to the financial promotion, persons who do not have professional experience in matters relating to investments should not rely on it. ACF is not authorised to give investment advice. If an organisation applies for specific financing, such financing will, where necessary, be arranged by or with the approval of, a person or firm that is authorised by the Financial Services Authority