In working with clients seeking business finance, funders and investors need specific and truthful information.
Consultation with clients needing business finance is work that requires careful, accurate, and attentive dialogue, and takes time. The processing of a funding request, due diligence and other essential duties in hard work, and in many cases time consuming. Due diligence is an investigation or audit of a potential investment or product to confirm all facts, such as reviewing all financial records, plus anything else deemed material. It refers to the care a reasonable person should take before entering into an agreement or a financial transaction with another party. Due diligence confirms a client’s honesty and his presented facts. When this is validated funding is secured.
In the past, lenders were generally concerned about the merits of the project requesting finance while today the emphasis is on the principal(s) requesting money. It has been said that when applying for business loans and finance, the more information you can supply the better. This is false. Lenders are not sitting at their desks all day reading mountains of information. Submit your application and wait for the lender to contact you with his questions.
Finance is one of the most important aspects of business management and includes analysis related to the use and acquisition of funds for the enterprise.
In corporate finance, a company’s capital structure is the total mix of financing methods it uses to raise funds. One method is debt financing, which includes bank loans and bond sales. Another method is equity financing – the sale of stock by a company to investors, the original shareholders (they own a portion of the business) of a share. Ownership of a share gives the shareholder certain contractual rights and powers, which typically include the right to receive declared dividends and to vote the proxy on important matters (e.g., board elections). The owners of both bonds (either government bonds or corporate bonds) and stock (whether its preferred stock or common stock), may be institutional investors – financial institutions such as investment banks and pension funds or private individuals, called private or retail investors.
The key to securing finance is to be truthful and factual.
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