New or Increased Borrowings

HTML works closely with owner-managers to help them assess the funding requirements of both company and shareholders, and determine which forms of external capital are most suitable to:

• enable shareholders to unlock some of the value tied up in their business.
• fund expansion
• support working capital
• completely refinance the company where there is dissatisfaction with current arrangements

HTML has good working contacts with suitable providers of this type of capital. We prepare or help to prepare the necessary cash projections, sensitivities and headroom calculations to support the particular type of funding required.

Our role as Advisor would encompass the following process:

• Balance sheet preparation
• Cashflow projections
• Working capital management assistance
• Calculation of debt capacity
• Assistance with preparation of banking packs
• Presenting to prospective debt providers
• Negotiation of facilities
• Legal and security arrangements
• Protection of Directors

Equity Investment

For small (sub £500k) equity funding requirements, Hardy Transaction Management Ltd is associated with Beer & Partners, the UK's largest provider of Angel Funding. In 2007, Beer & Partners angel investors made a total of 98 investments in 47 deals amounting to £13.3m equity invested. Please review www.beerandpartners.com if you are looking for a small equity investment.