Capitalise capital review
45 mins
A health check for an advisor working with clients on their capital management or funding needs.
Ollie Maitland
Co-Founder & Chief Product Officer, Capitalise
What are your business plans for the next 12 months? (10 min)
- What are your growth objectives?
- What are your financing plans?
- What are you concerned about?
Credit profile review (10 min)
Credit score/limit:
- Has it changed?
a) Has it improved and the client can access better rates on existing facilities/ better supplier terms?
b) Has it gone down? What happens if they are squeezed on their supplier terms? - Can it be repaired?
- How does it compare to the industry average?
- How many searches in the past 3/12 months?
- Is the client able to tender for new work?
Payment performance
- Are there any missed payments?
- How does it compare to the industry average?
CCJ
- Are there any registered events on the profile?
Debtor Book Review (10 min)
Who isn’t paying/why aren’t they paying
- How many days overdue are the invoices?
- Is the debtor still trading?
Check the debtors credit score
- Have they tried chasing it?
- Can they afford to not get the cash into the business/ what happens if they don’t get paid?
Debtor days
- What are their payment terms?
- Is cashflow an issue?
- Could they benefit from an Invoice Finance facility to get paid faster?
Credit Check
- Is the debtor’s credit score a C or below?
Upcoming liabilities review (10 min)
Cash-flow forecasts
- Are they struggling with cash-flow?
- Do they have any upcoming liabilities that they can’t satisfy?
- Any short term working capital needs?
Existing facilities up for review
- Are there any existing facilities on the balance sheet?
- Potential for refinance/consolidation? If they have multiple outgoing payments in a month do they want to roll that up into one loan?
Growth plans?
- Are there plans for growth?
- Do they have the cash to sustain the growth?
- Are there any upcoming projects that they need funding?
Confirming actions to be taken (5 min)
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Start a free trialCapitalise capital review agenda template summary
Ollie Maitland is Chief Product Officer and Co-founder of Capitalise and responsible for product strategy, design and engineering. Capitalise offer unique business performance insights, credit improvement advice, debt recovery tools and access to a huge range of suitable funding options.
In this expert agenda template we provide a solid framework for an advisor to complete a comprehensive client health check and diagnose capital management and funding needs.
