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FinancialServices .uk .com | |
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Business and Financial Services,
taxation and
accounts |
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Finance Business & Commercial Lending Buy-to-Let Property Lending Overseas Property Lending Asset Funding, Hire Purchase Invoice Factoring & Discounting Treasury Operations Financial Doctor see below
Business Services
Business Plans
Cashflow
Forecasts Profitability
Reviews Business
Expansion Business
Diversification Portfolio
Management Preferential Bank
Accounts see below Taxation Income Tax,
Value
Added Tax Capital
Gains Corporation Tax
Inheritance Tax Offshore
Tax
Accounts and Management Consultation
Annual
Financial Accounts Management Accounts
Budgets
and Projections Financial
Assessments Investigations Troubleshooting Feasibility Studies
Project
Appraisals Cost/Benefit
Analysis Management Ratio Controls Credit
Control Stock
Control |
Khalid Pervez &
Co
Management Consultants ,
Accountants,
LONDON. E11 1BT TEL.
020 8558 9280 MOB. 07833 341 239
contact
Finance Management Consultation |
riskinfo.co.uk thedisasterrecovery.
Other listings
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BUSINESS
AND COMMERCIAL LENDING
This includes lending for property development, commercial properties such as shop offices and warehouses, residential homes, sports and leisure facilities, professionals practices, hotels, construction and demolition, business expansion, getting larger premises, installing new plant and machinery, opening new branches, expanding into overseas markets, buying more vehicles, hiring additional staff, or simply meeting extra working capital and cash flow requirements.
We deal with all kinds of Commercial Property lending, including Buy-To-Let. You might just be starting in this highly lucrative sector, or may be an experienced player. Either way, you will benefit from our long experience in this field. Even if you are not looking to buy more property, you can still benefit enormously by rationalizing your existing borrowings. Remember, every one percent reduction in interest rates will save you £10,000 per £1m, every year.
Borrowing
against overseas property presents its own unique set of problems. For the
unwary, this could be a minefield. Our regular contacts and experience allows us
to help the clients in this fast growing sector. We have contacts in
A wide range of asset funding options are available. Hire purchase if you wish to own the asset, and claim full capital allowances. Finance lease to get all your rental payments tax deductible. Or contract hire to have pre-determined fixed payments including servicing and maintenance. The funding is against the asset concerned, and could be off- balance sheet. You can use these funding options whether you buy through our bulk discounted buying, or through your own dealers.
INVOICE FACTORING &
DISCOUNTING
Another useful source of finance, you can use your invoices to raise additional finance for working capital. This is also off-balance sheet finance. Factoring is for smaller businesses, with full sales ledger management undertaken. Discounting is for larger businesses, and it is more discreet. You can obtain up to 90% of you regular invoices value, releasing extra working capital, enabling you to increase production/sales. Full set up undertaken, with full tax allowances.
Well organized and closely monitored treasury operations are vital to the finances of any medium/large size business. This involves optimum utilization of surplus funds, as well as borrowed funds. Profits/gains on treasury operations can sometimes match, or even exceed, trading profits. We can help you set-up and/or run your own treasury operations.
OFFSHORE TRUSTS, COMPANIES & BANK
ACCOUNTS
Offshore Trusts allow you to set up safe and secure funds for specific purposes, such as family commitments, education, or for your comfortable retirement. Offshore companies can give you access to better interest and exchange rates, add prestige to your business, and help minimize your high taxes. Offshore bank accounts can provide flexibility, added security and confidentiality to your finances.
FINANCIAL DOCTOR
This is essentially an overall review of the financial situation of your business. Key ratios and calculations are used to assess whether you are making optimum use of your resources, and to highlight any areas of weakness. You may not be making full use of your cash reserves or other assets. Your gearing levels may be too high, or your debtors situation might be getting out of hand. Your stock controls could be out of date. Some of your operations may be over-staffed, under-funded, or simply ill-planned. We could pick up the tell-tale signs before it is too late. It takes a very brave businessman, or a very foolish one, to assume that nothing could go wrong.
DISCOUNTED BULK PRICES FOR ASSETS.
We could help you source cars, vans, lorries, and larger assets such plant and machinery, even boats and aircraft, at specially discounted prices. You may be able to negotiate a discount of, say, 10% on a car or van. We could get bulk buying discounts, same as those offered to fleet buyers, of as much as 25%. You can buy through us at these discounted bulk prices, whether you arrange funding through us, or whether you use your own sources.
A Business Plan is a most versatile and useful business tool. It is often required by lenders to assess the viability and profitability of a business, before making any lending decisions. It is used by the businesses themselves to identify their key strengths and weaknesses. It is also used to assess expansion schemes, diversification, opening new branches, budgetary control, and measurement of activity and performance levels. Scaled down versions are used for Project Appraisal of individual projects and activities, and for grant applications. Often the same business plan can be adapted for several different applications. The costs of producing a business plan are nominal in comparison to the benefits they bring..
Cashflow Forecasts are an essential management tool for financial control of any business. Used for decision making in relation to major asset purchases & acquisitions. Essential for the operation of a treasury function in larger businesses. Used for comparison between various activities within the same business. Used for measuring performance against budgetary targets. Also used by lenders to ascertain whether a business can service its borrowings. .
Profitability reviews are important for several reasons: They help you assess not only the profitability of the business, but indeed its medium / long term viability. Such reviews enable you to change direction where the profits are stagnant or falling. In some cases, profitability reviews highlight mismanagement or other wrongdoings of the staff. In a loss making situation, such reviews help establish the root causes, and find ways out of such potentially risky situations.
It is a common desire of most businessmen to expand their businesses, and in many cases it is the only way forward. There are numerous examples of corner shops becoming supermarkets, local takeaways becoming chains of restaurants, or buy-to-let flats leading to massive property portfolios. There are several ways to expand. Sideways expansion involves opening more branches of the same business. Vertical expansion could result in a retailer becoming a wholesaler. Overseas expansion could open up vast new markets. Whatever route you choose, there are many potential pitfalls to avoid. Overtrading is potentially lethal to any business. Under-funding and lack of management control are the other main dangers. We could help you plan your business expansion without being exposed to the nasty side-effects.
Business diversification is the route chosen by many prudent businessmen. It is business expansion with the added benefit of risk minimization. Where your existing trade activities have reached saturation point, diversification is the only way forward. It is a successful formula followed by many successful entrepreneurs. You may have seen banks selling cars and pensions, lawyers acting as estate agents, and airlines selling hotel spaces. However, going into a completely new field has its own set of problems. We can help you make informed decisions about business diversification.
Effective portfolio management is vital to secure regular income and preserve the value of your investment. This applies equally to property portfolios and to other investments. We can help to set up and control portfolio management systems for those businessmen or businesswomen who do not have enough time or experience to do it themselves. We could also help you to manage far-away or overseas branches and subsidiaries, leaving you more time to concentrate on your core activities.
Some banks offer Preferential Bank Accounts to selected customers. These accounts may offer priority banking services, including reduced charges, direct access to the managers, more streamlined foreign exchange and LC facilities, lower overdraft rates, quicker loans and many tailor made facilities. Many businessmen do not know about such services, or their branch may not offer these services.
Income Tax affects all of us, especially those of us who are in business. Without effective tax planning, we could see large chunks of our income disappear into the black hole of income tax. There are numerous allowances and reliefs that allow you to minimize your income tax legally. Not making full use of these allowances and reliefs means paying more tax than you are legally obliged to. It is difficult for many businessmen to keep up to date with the ever changing tax regulations and tax rates.
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