What lenders will ask for

Lenders take a close look at the target business to understand its historic trading performance. They'll usually ask for the last two years' certified accounts, recent management accounts, corporation tax returns and business bank statements — and, where applicable, an independent business valuation. If the purchase includes a property, they'll also ask for a property valuation and building survey.

How we strengthen your application

As well as presenting these documents, we prepare supporting information that highlights the business’s achievements, financial stability and recent developments — the context that explains its current performance, future trends and prospects.

What lenders will ask for

Lenders like to see a clear, robust plan showing how the business will run after you take over — realistic forecasts, sensible assumptions, working-capital needs, and how the borrowing will be comfortably repaid.

How we strengthen your application

We help shape the plan and financial projections into a concise lender-ready case, connecting your strategy to the historic performance of the business and clearly explaining how the funding will be serviced.

What lenders will ask for

Lenders look at whether your background, skills and management experience equip you to run the business successfully. Relevant sector knowledge is helpful — and strong transferable commercial experience can be just as valuable.

How we strengthen your application

We present your experience in the context of the acquisition, drawing out the skills, achievements and support network that demonstrate your ability to lead the business from day one.

What lenders will ask for

Lenders like to see a cash contribution from you towards the purchase. The amount depends on the business, its assets, the strength of the application and the overall structure of the transaction.

How we strengthen your application

We evidence the source and availability of your deposit and structure the wider funding package so your contribution is clear, credible and proportionate to the opportunity.

What lenders will ask for

Lenders will review your personal and the business credit history. Any historic issues are easily explained in context, alongside your existing commitments and affordability.

How we strengthen your application

We review your credit position early, resolve avoidable gaps and explain relevant circumstances before an application reaches a lender — reducing uncertainty and preventing unnecessary delays.

What lenders will ask for

Depending on the loan and the assets available, lenders may ask for security over property or business assets, together with personal guarantees from the directors or purchasers.

How we strengthen your application

Not every deal requires additional security — but where it does, we'll explain exactly what's involved and negotiate on your behalf.