Business Advice and Support

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Exit-Planning

Restructuring

Turnaround

Refinancing

Exit-Planning

Everybody who is running their own business, may reach a point where they decide it’s time for change – one way to do this is by selling your business. To do this, you will need to plan effectively, to get the most out of all you have put in. To prime your business for sale, you must plan in advance and be able to demonstrate value. You will need to clarify profitability, improve efficiency of the business and make it more marketable. 

First and foremost, we spend time helping and advising whether this is the right decision for you, and whether now is the right time. We will bring clarity and structure, make the business more profitable and marketable and plan an effective exit strategy.

    Restructuring

    The environment in which businesses succeed is unpredictable. The markets are constantly changing; rising and falling. Continual technological breakthroughs, and a demanding consumer base can all render a company’s original business model impractical and unsuccessful. The points below detail some of the challenges your business may be facing, and how Luvo Financial can help you to find a structuring process suited to you.

    • Operational issues
    • Skill / people issues
    • Pensions deficit
    • Actual / potential breach of covenant
    • Cash pressure / Liquidity shortfall
    • Over leveraged
    • Credit ratings downgrade

    We aim to help you regain control, preserve the business, cut costs, introduce and assess restructuring options, create revenue and optimise your business by improving operational efficiency.

    Turnaround

     

    Some red flags that may signal the need for Turnaround are; decrease in performance, margin erosion, liquidity constraints, market disruption and a failure to execute plans successfully.

    To overcome this, you will need to increase stability, demonstrate leadership, provide clarity and accelerate positive action. We assist with this by conducting operational and financial analysis, stabilising performance and liquidity, discussing Turnaround options and assessing these carefully, creating a robust plan and helping you execute this plan.

    Refinancing

    As a business develops, the financial structure must also develop adequately. The current structure may not suffice anymore, due to perhaps changing circumstances, market conditions, market erosion, investment needs etc. Without refinancing and adapting your structure to suit the business, this may limit growth and potential.

    Signs the business may need refinancing: fluctuating financial performance, external competition, growth potential stifled by funding structure, little flexibility in current facilities, reduced market opportunities, erosion or loss of market share.

    Whether it be needing to develop and mature the business and its financial model, or the current structure restricting development, Luvo Financial can help you to decide which steps to take and assist in executing these steps. See below for some refinancing options we can assist with:

    • Private equity
    • Asset-based lending
    •  Alternative finance
    • Trade finance
    • Invoice financing
    • Payroll finance

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