Lending Advisory

Helping SMBs, multigenerational businesses, start-ups and scale-ups secure the financing they need to achieve their business goals.

BOOK STRATEGY SESSION

Embark on your borrowing journey

As experienced advisors we help our clients navigate the complexities of borrowing and assist them in obtaining suitable loan options. This is especially important when navigating challenging credit situations. We provide our clients with the information and support needed to make informed borrowing decisions.

Needs Assessment
We assess the financial needs and objectives of the borrower. This involves understanding the purpose of the loan, the amount required, the desired terms, and the borrower's ability to repay.
Credit Analysis
We analyse the creditworthiness of the borrower. They review the client's credit history, income, debt levels, and other relevant financial information to determine the risk associated with lending.
Loan Options
Based on the borrower's needs and credit profile, we provide information about various loan options available in the market. This includes explaining different types of loans, interest rates, repayment terms, and associated fees.
Guidance on Documentation
We assist borrowers in preparing and collating the necessary documentation required for loan applications. This may include income verification, tax returns, business financial statements, and other documents that lenders typically require.
Negotiation with Lenders
We negotiate with lenders on behalf of borrowers to secure favourable terms, including competitive interest rates, acceptable repayment schedules, and reasonable loan covenants. This negotiation is very important and aims to ensure that the loan terms align with the borrower's financial goals and capacity to repay.
Risk Mitigation
We help borrowers understand the risks associated with borrowing and develop strategies to mitigate those risks. This involves exploring different financing structures, considering collateral options, or addressing specific challenges that may impact the loan approval process.

For small to medium businesses, multi-
generational companies, start-ups and scale-ups

We work with a range of industries, these are their stories and the mountains we have helped them climb.

Private Clients

Private Clients
Goal
To accrue someone that can help with compliance administration work.
Mindset
Wanting to work with someone that is knowledgeable of business compliance and regulation, allowing time to focus on other core business activities.

Startups &
Scaleups

Startups & scaleups
Goal
To grow the business in the next 12 months.
Mindset
Wanting to understand how the current structure of the business is restricting financial growth and how to smoothly transition to a structure that will optimise business success.

Small-to-Medium Businesses

Small to Medium Businesses
Goal
To sell the business in the next 6 months.
Mindset
Wanting an advisor that will champion her business and provide expert guidance on how to maximise business valuation, but also protect the business’ current team of employees.

Family/Multi-Generational Businesses

Family / Multi-
Generational businesses
Goal
To invest in new equipment and technology.
Mindset
Wanting to weigh up all their options when it comes to borrowing money for new equipment and have a plan in place to pay back the loan.

ABOUT

stantins logo

Stantins is more than just providing expert financial advice and accounting services. We look to build long-lasting relationships with our clients and become a trusted partner of your business that you can rely on. Our services exist to help business owners understand how to make the best financial and structural decisions and to make a meaningful impact on the success of our client’s companies.

LEARN MORE

Frequently Asked Questions

Will I get a loan from the bank?

Loan approvals depend on a variety of factors such as your credit score, income, debt-to-income ratio, employment history and the specific requirements of the bank. Speak with one of our financial advisors today to discuss your eligibility for a loan.

How can lending advisory help me secure funding?

Understanding Your Needs:
We assess your financial situation, business model and funding requirements to understand your specific needs.

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Loan Options Analysis:
We help you explore various loan options available in the market, including traditional bank loans, government-backed loans or alternative financing.

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Creditworthiness Assessment:
We can evaluate your creditworthiness and financial health to determine the likelihood of securing a loan.

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Documentation Guidance:
We assist you in preparing the necessary documentation required for loan applications, ensuring that you present a comprehensive and compelling case to lenders.

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Negotiation Support:
We negotiate with lenders on your behalf to secure favourable terms, such as lower interest rates, longer repayment periods or more flexible repayment schedules.

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Post-Funding Support:
Even after securing funding, we provide ongoing support, helping you manage your loan, make strategic financial decisions and address any issues that may arise during the repayment period.

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Ready to start climbing your mountain?

Enquire to start your financial freedom journey.
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