Whether you are seeking an overdraft, term loan, asset finance or refinancing existing debt, lenders expect clear accounts, realistic forecasts and professional presentation. Gortreagh Consulting helps owner-managed businesses across Mid-Ulster prepare for banking and finance discussions.
What we cover
Historical accounts tidy-up, management accounts, cash flow forecasts, sensitivity analysis and lender narrative.
- Support during due diligence requests and covenant monitoring.
How we work
We agree the story your numbers need to tell, prepare documentation packs and join calls where useful.
- Forecasts tie to actual performance in Xero, not disconnected spreadsheets.
Working capital and stock
Lenders scrutinise working capital cycles, especially in agri, construction and wholesale. We present stock, debtors and creditors trends honestly with explanations for spikes.
- Overdraft renewals succeed more often when you submit early with a forward view, not the night before expiry.
After the deal
Covenants bind you after funds arrive. We set simple internal monitors against covenant ratios and flag breaches before the bank does.
- Actual performance against forecast is reviewed quarterly in many engagements so you can update lenders proactively.