Business owners experience a variety of lifecycles during the course of operating their business and encounter different challenges that may require different financing sources. The journey can be confusing and sometimes you need to call on external assistance to be an advocate for your ideas or assist in change management.

Steve Charles Consulting operates with like-minded business clients across a variety of industries to assist in managing the life cycle stages. Steve works with businesses that generally have revenue exceeding $30 million or debt facilities exceeding $10 million. Steve works in conjunction with your key specialist partners including bankers, accountants, lawyers and insurance representatives to achieve the outcomes desired. Steve specialises in leveraging the sustainable operating cash flow of your business. The services Steve Charles Consulting provides focusses on four key pillars of expansion, financial difficulties, refinance and advocacy.

EXPANSION?

Businesses seek to expand for a number of reasons - acquisition, merger, new markets, expansion. Financing your business growth strategy is a key decision and a sound banking relationship is critical to deliver on your strategy. What information will you provide to your bank to support your financing needs? How will your bank assess the finance request? Does your banker sufficiently know your business to support your request? If your answer to these questions is "I'm unsure" then contact Steve Charles for an introductory meeting.

NEED ASSISTANCE?

Sometimes the communication coming from your bank may be confusing. A change in loan terms, introduction of new reporting or financial covenants or the need for additional security. If you are unsure why your bank is imposing a change in loan conditions and need an independent advocate to review the terms, then contact Steve Charles for an introductory meeting.

FINANCIAL PROBLEMS?

Are you experiencing financial disruption to your business? Are you delaying paying the ATO to fund working capital? Have the reporting demands from your bank increased significantly and external accountants are reviewing your business operations? If you are unsure of the critical business actions needed to be taken to restore the relationship with your bank, then contact Steve Charles for an introductory meeting.

REFINANCE?

Are you frustrated with your bank and considering refinancing your business loans? Want to manage the whole process but don't know how to go about it? Unsure which bank you should choose but have a clear strategy of developing a new relationship? Then contact Steve Charles for an introductory meeting.