Archive for the ‘Corporate Finance’ Category
Innovative Financing Ideas With a Focus on Small Business Funding
Posted by admin in Corporate Finance on December 14th, 2009
The Oxford Funding Company has been trading for the past twelve years. We offer a wide portfolio of services Like Lease Finance, Hire Purchase, Corporate Finance, Commercial and Residential Mortgages, Credit Repair and much more. We give a special emphasis to small business funding and have many flexible packages for entrepreneurs and start ups.
Our team consists of experienced professionals who bring with them over 50 years of combined experience in the finance industry with accounting, banking, and finance company backgrounds. Many of our team members have worked in or even run small and medium sized businesses. This gives us an edge when it comes to Small Business Funding.
The company was formed at a time when most brokerages failed to deliver services that met client needs. We decided that it was time to raise the standards of service in the industry and started as a small business which offered various innovative funding options. Today we have grown to include many prestigious clients.
Our mission statement is ‘To help businesses grow by finding the best funding package to fit each client’s requirements and situation’. We work towards this by sourcing the business funding options that offer you the maximum advantage. Our honest, efficient and friendly service has won us many long term clients. We treat Small Business Funding and corporate funding alike and offer the same efficient levels of service.
Our approach is to identify the right funding option that would help you leverage all the benefits possible in your situation. We work to find the most competitive package for small business funding or large corporate finance. Our aims are:
Get the UK ’s Top Commercial Financing Solutions Including Small Business Funding
To always endeavour to secure the right funding for the right situation with borrowers and lenders who are fully aware of their commitment, and achieving a long-term satisfaction from the arrangement.
To find a competitive funding package customised to fit each client’s specific requirements and delivered in the fastest timetable possible.
To arrange loans at the lowest rate available in light of the client’s financial situation.
To ensure that you’re free to concentrate upon developing your business while we undertake the entire administrative burden until completion of the package, using the best computer systems to guarantee time is never wasted because of inefficiency.
To achieve a friendly, professional result with a broad range of competitive services that meet the clients’ funding requirements.
To avoid a funding or finance package that does not perform as promised.
To perform so that clients become repeat customers.
To offer a personal service with high standards always working to offer honesty, efficiency and excellent customer service.
We have plans for expansion including everything from Small Business Funding and medium sized business support to corporate finance. We are expanding our team to include specialists and will use their expertise to bring you many new advantages. We also strive to improve the levels of our customer service. So, whether you are looking for small business funding or any other kind of funding, you can approach us with the confidence that we will get you the best package available.
Call our specialist brokers, Glin or Peter on 01242 226662.
how to get corporate loans
Posted by admin in Corporate Finance on December 13th, 2009
How to Get Corporate Loans
How to get corporate loans is one of the most common thing business owners are talking about these days. It’s a tough economy worldwide and capital for businesses seems to be drying up faster than water. What every business owner needs is some corporate finance…but how?
Instead of going from lender to lender trying to analyze the best possible corporate finance options, the business owner should immediately head to business loan brokers. As brokers, they can give you expert advice on how to get corporate loans that are exactly the solution your business needs. They use their experience and expertise to view your business objectively and give you a thorough analysis of your corporate finance needs.
Once the business loan brokers have made their analysis, they will recommend lending solutions they think are right for you. Of course, you can disagree, but with them but you probably won’t because they definitely know how to get corporate loans that are perfect. To complete the lending process, you will need to provide certain documents to the lender which usually include things like a business plan, income tax statements, credit reports etc.
Once the business loan brokers have made their analysis, they will recommend lending solutions they think are right for you. Of course, you can disagree, but with them but you probably won’t because they definitely know how to get corporate loans that are perfect. To complete the lending process, you will need to provide certain documents to the lender which usually include things like a business plan, income tax statements, credit reports etc.
Once the documents are received and approved, you will have corporate finance in no time.
http://www.businessfinancebroker.com
http://www.businessfinancebroker.com/Business-Loans.html
http://www.businessfinancebroker.com/Corporate-Loans.html
http://www.businessfinancebroker.com/Constructions-Loans.html
http://www.businessfinancebroker.com/Application-Form.php
Finance Careers, Tips On How You Can Excel
Posted by admin in Corporate Finance on December 12th, 2009
If you like working with numbers and are fascinated with what you can do with numbers, then you should consider a career in finance. Nowadays many businesses need individuals who can manage money and get profitable returns. It is not as easy as it sounds because you are expected to go through secondary school first, and then if your grades are good, you can proceed to college and acquire a degree in economics, finance, accounting, math, or even statistics. There are many options available to you where you can apply for a job.
The banking industry is one of the most popular options, with positions like corporate banking, corporate finance, financial planning, investment planning or money management you cannot go wrong. There is a growing need for people who are in the finance field. So it is a good idea to expand your horizons by constantly reading and keeping abreast of any changes that may arise in the business world.
If you get into corporate finance, you will probably work for a corporation and you will be charged with the duty of sourcing money to develop the company, make acquisitions and ensure that the company’s future is secured. You may start out as a financial officer. A career in financial planning would be mainly concerned with strategizing the financial future of the corporation. You have to understand the way the world of investments, taxes and estate planning works.
You also have the option of being a consultant and helping individuals plan their income for the future, like planning how they pay their kids college fees or retirement. If you go for a career in investment banking, you will be in charge of helping investors purchase, manage or trade financial assets.
Finance meaning and types of finance
Posted by admin in Corporate Finance on December 10th, 2009
In general term finance means management of money for your expenses. In broad term finance is the science of funds management. Finance includes saving money and often includes lending money. The general areas of finance are business finance, personal finance, and public finance. Finance is also a money budget management. The field of finance deals with how money is spent and budgeted. It also deals the concepts of time, money and risk and how they are interrelated. Finance is used by individuals as personal finance, by governments as public finance, by businesses as corporate finance, as well as by a wide variety of organizations including schools and non-profit organizations. Finance is the need of the today world economy.
Types of Finance
There are mainly two type of finance found in the current economy.
1. Personal finance
In this finance decisions may involve paying for education, financing durable goods such as real estate and cars, buying insurance, e.g. health and property insurance, investing and saving for retirement. Personal financial decisions may also involve paying for a loan, or debt obligations.
2. Corporate finance
It is the task of providing the funds for a corporation’s activities. Corporate finance can easily categorized in two category. First one is Short term finance which generally involves balancing risk and profitability, while attempting to maximize an entity’s wealth and the value of its stock.
Long term funds are provided by ownership equity and long-term credit, often in the form of bonds. The balance between these forms the company’s capital structure. Short-term funding or working capital is mostly provided by banks extending a line of credit.
Another business decision concerning finance is investment, or fund management. An investment is an acquisition of an asset in the hope that it will maintain or increase its value.
Financing Solutions: What is a Merchant Banking Operation?
Posted by admin in Corporate Finance on December 9th, 2009
In today’s diverse and unpredictable economy, the need for a sustained profit plan and long term growth strategy has become essential for both individuals and corporations. Merchant banking principally involves providing financial services and advice for individuals and corporations. Merchant banking operations consists of providing clients with a variety of financing options to sustain long term growth.
Merchant banks tend to have operations in a variety of countries throughout the world allowing them to offer an extensive network distribution to help their clients explore opportunities with alternative finance options.
In banking, a merchant bank is a financial institution that primarily invests its own capital in a client’s company. Merchant banks provide fee based corporate advisory services for mergers and acquisitions, as well as other financial services. Merchant banking operations focus on commercial international finance, stock underwriting, and long-term company loans. These banks work with financial institutions with their primary function being stock underwriting. They also work in the area of private equity where the securities of a company are not available for public trading.
The most common private equity investment strategies include venture capital, leveraged buyouts, distressed investments, growth capital, and mezzanine capital. Leveraged buyout generally means that they acquire majority control over existing or mature corporations. Growth capital and venture gains means they invest in newer or rising corporations without acquiring majority control.
Today, merchant banks are involved in a number of tasks such as credit syndication, portfolio management, mergers and acquisitions counseling, and acceptance of credit, etc. Their investments include private equity, structured equity, and bridge debt. They generally invest in private or public companies to finance growth, acquisitions, and management/leveraged buyouts and recapitalizations. In some cases, they provide an invested company with short-term financing for a particular project, or provide short-term liquidity.
Merchant Banking operations can focus on a particular country or they can expand their operations in other countries. They can assist sustainable companies undergoing a financial restructuring requiring short-term liquidity. These banks provide their partners with financial analysis, capital structuring and strong industry relationships. They provide the corporate lending, leveraged finance, and investment banking and industry expertise. Merchant Banking operations provide all types of domestic and foreign banking transactions, corporate finance services, product knowledge, and management services.
Global merchant banking operations provide individual and corporate investors with the opportunity to participate globally for access to international investment opportunities, providing global companies access to a particular market, and opportunities for co-investment.
When searching to partner with a Merchant Banking Service Company in order to enhance your business operations, you should find a well established, full-service merchant financial services company. You want a large, credible firm that can demonstrate a good track record. Ask the merchant banks how long they have been in business and who some of their customers are, particularly from your market, so they can demonstrate their experience and understanding of your needs.
Merchant banking operations provide the support, knowledge, and resources to effectively assist clients and corporations with improving, expanding, and sustaining their business and business investments.
The Online Finance and Real Estate in India
Posted by admin in Corporate Finance on December 7th, 2009
Finance for real estate is now easily available in India. The property boom is not restricted to the national capital region but it has even transcended to satellite towns and remote semi-urban areas in and around the national capital. The number of transactions in the real estate sector has increased a number of times, making it profitable for the banks and other lending institutions to offer more finance opportunities to the buyers.
In India, the most of the borrowers in home loan segment fall in the first time buyer category. It means that they are either tenants or living with their parents in their ancestral house. As the salaried-class is spreading and emerging stronger than ever, more and more people are becoming capable of buying house. Their need to get finance from banks is being taken care of by all the major players in the market. Banks like ICICI, Standard Chartered, HDFC and all the nationalized banks are offering home loans at attractive rates.
The procedure for taking a home loan is rather easy. You can directly approach the bank or call for a meeting to be arranged with the bank’s loan executive. This can also be done over the Internet. The banks may ask for various proofs like those related to your residence, income, spouse’s income, number of dependants, etc. Based on a number of parameters, the banks arrive at your credit rating and offer you varying amount of loans.
Home loans in India come in various forms inviting fixed interest rate or floating interest rates. There are hybrid loans also that are a middle path between fixed and floating options. The borrower can put a part of his loan amount under fixed rate and expose the other part to the floating rates that depend on market conditions and the interventions by the Reserve Bank of India.
The Internet as a medium of loan arrangement is fast catching up in India. Many websites are coming up that take care of individual and corporate finance for various purposes like buying real estate, investments, business operations, etc. This medium of finance is growing rapidly although it is surely in its nascent age as far as the Indian market is concerned.
A Non Bank Debtor in Possession Financing Option
Posted by admin in Corporate Finance on December 5th, 2009
It’s a known fact that companies that obtain bankruptcy financing have a much higher chance of emerging out of chapter 11 as a viable company than those that don’t secure debtor in possession financing. However, obtaining DIP financing has always been a challenge. There is the obvious reason that insolvent companies can be risky investments for commercial finance companies, so not many companies offer the product. And for the most part, DIP financing has only been offered by banks and corporate finance companies to large companies. Because of this, many small and medium sized companies were never able to secure financing and went out of business.
Recently, the trend has been reversing and a growing number of finance companies have begun offering specialized forms of bankruptcy financing to small and medium sized companies. Although still not widely available, a number of small businesses have been able to secure DIP financing and emerge from bankruptcy.
One of the biggest challenges that bankrupt companies have is that they lose control of all their bank accounts as soon as they declare for bankruptcy. Most assets up to the point of filing for bankruptcy have to be used to satisfy past debts. If your customers take 30 to 60 days to pay their invoices, that means that you may have to go without much liquidity for a number of weeks, unable to pay employees or buy new supplies. Factoring financing is a form of DIP financing that can help in these situations. Factoring accounts receivable provides you with an immediate advance on your slow paying invoices, supplying the needed funds to pay employees and suppliers. Factoring receivables provides you with the liquidity and breathing room to run your business while you navigate the chapter 11 bankruptcy process.
Qualifying for factoring is relatively easy. The biggest requirement that factoring companies have is that you sell products/services to credit worthy commercial customers who pay in less than 90 days. Factoring works best if your customers pay in 30 to 45 days and if your profit margins are at least 15%, but is flexible enough to work in other situations.
One substantial advantage of accounts receivable factoring is that is readily available to small and midsized companies. Like any form of debtor in possession (DIP) financing it will need to be approved by the court. And, it is best to apply for DIP financing and bankruptcy at the same time since it will give you a better footing on the critical weeks immediately following a bankruptcy.
Utilizing The Different Types of Corporate Documents
Posted by admin in Corporate Finance on December 4th, 2009
Managing a corporation is no easy task. The same is true of managing the various corporate documents that companies use on a day-to-day basis. Companies must record and file these corporate documents, since it is necessary for a corporation to maintain records for at least the last six years. The documents are proof that all the activities of the corporation are carried out according to the directives of the board of directors and the shareholders. A proper and efficient filing system is of paramount importance to be certain all the documents are safe from the dangers of theft. The loss of confidential papers due to inadequate security can cause great harm to the company
The Types Of Corporate Documents:
1.Article Of Incorporation: When the company is incorporated, the article of incorporation is the first basic document. It is the documented proof of the creation of the company, the corporate purposes, and the corporate powers. It authorizes the capitalization of the stock. It must be filed with the Secretary of State after paying an appropriate fee and having it notarized and signed by the incorporators.
2.Certificate Of Incorporation: The Secretary of State issues the certificate of incorporation after signing it and declaring the corporation to be a legal body as of its date of incorporation.
3.Consent Of Agent: The Consent of Agent serves the process of incorporation for the jurisdiction where the company was incorporated.
4.Bylaws And Amendments: The bylaws and the amendments of the articles of incorporation adopted by the corporation are integral to the proper running of a corporation.
5.Letters, Agreements, And Secretary Certificates: The corporation must keep safe the letters addressed to the shareholders, resignation letters of directors, secretary certificates and shareholders agreements.
6.Share Certificates And Stock Ledger: Copies of share certificates issued are filed and documented, as is the stock ledger with the folio pages. These provide information regarding the shareholder’s name and address, the date of the share’s issue, and documents with the shareholder’s signature acknowledging the receipt of the certificates. Companies maintain the stock ledger to know exactly who owns each share of the corporation. Companies update it regularly with documented proof of such actions as transfer of the share, if it is an original issue of the share, if the share has been received as a gift from another share holder, if the shares have been transferred from a deceased shareholder to his estate, or if a joint survivorship agreement makes the joint owner of the shares the new single owner of all the shares in question.
7.Legal Documents: The company must deal with a lot of legal documents such as government related documents, franchise tax renewals, license renewal, and reports of the company’s annual meetings. There are also legal documents relating to hiring of employees, purchasing, leasing or renting of assets, processes of litigation, and bankruptcy filing.
8.Financial Records: The company must document the financial records and maintain a current balance sheet, a profit and loss statement document, and a host of other documents related to the corporate finance. The company must keep safe bank statements, records of all payments made for transactions, the fees received and the scale of pay of each of its employees. There are documents concerning dividends and the type of dividends agreed on by the board of directors and the shareholders, the various resolutions proposed. These resolutions include those that the quorum accepts and the resolutions that the quorum rejects.
9.Other Important Documents: The minutes of all meetings, the consent in lieu documents, the notices, the waivers of notices, the stock subscription agreement, the alphabetical list of shareholders for a meeting, and the proxies for a meeting are other important documents.
Additional Help
Numerous software packages are available in the market online to help document and file these important documents for corporations.
Corporate Speakers Jump-start Company Events
Posted by admin in Corporate Finance on December 3rd, 2009
Quality corporate speakers are a must for corporate meetings, conferences and events. Corporate speakers are often utilized for keynote speeches, interactive workshops, seminars and in-house training sessions, and choosing the right corporate speaker is vital for the success of a company event. Well chosen corporate speakers can deliver effective messages to target audiences and pique attendees’ interest in the meeting or conference theme. The goal of an event, after all, is successful delivery of tools and information related to a target objective. Effective corporate speakers are able to utilize their subject matter expertise and professional speaking abilities to facilitate engaging, informative company events that meet the event planners’ target objectives. Quality corporate speakers are utilized to boost both in-house and outreach corporate events.
Professional corporate speakers can be effective at in-house events by motivating staff to higher personal productivity and teamwork. A particularly effective strategy for utilizing corporate speakers in-house involves forming panels of corporate speakers to facilitate small, user directed in-house workshops. Knowledge acquired in small workshop settings is more likely to be retained and internalized by staff, and staff members who participate in these workshops are able to take an active, rather than a passive, role in their own training. Other benefits of in-house corporate speakers’ workshops include making employees feel that their voices are heard and in turn, boosting overall company morale. If an in-house event does not require in-depth employee workshops, corporate speakers can also be utilized for delivering high-quality keynote addresses that highlight the in-house event’s overarching theme.
For outreach events, professional corporate speakers can provide a high-energy voice for your target audience and create visibility for your event. Good corporate speakers increase the likelihood that your target audience will receive and remember the intended message. Talented corporate speakers integrate their subject-matter expertise with a company’s conference theme, and deliver the content in a professional, engaging way. Quality, professional corporate speakers are up to the task of delivering unique, tailored content for any business platform.
In addition to content, delivery is a vital element to consider when choosing corporate speakers for an event. In choosing appropriate corporate speakers for an event, both the speakers’ areas of expertise and style of delivery should be considered. While Gen X humor might work well for twenty and thirty year-olds in the high-tech industry, the same delivery might not work so well for a mature group of investment bankers. An elegant speaker with subtle humor might prove to be a better choice in that example. Whatever your intended audience, delivery is as important as content for conveying the desired message.
Just like style of delivery, content should match a speaker’s area of proven expertise. Though a meeting or conference theme may be highly specialized, there are many talented corporate speakers with expertise in such diverse areas as high-tech, personal and corporate finance, sales and advertising, and effective time management. Many corporate speakers are skilled in general interest topics like personal productivity, group dynamics, and effective team building. Whatever the event theme, there is a corporate speaker who can effectively fill the niche and facilitate a successful company event.
Different Jobs In The Finance And Banking Industries
Posted by admin in Corporate Finance on December 2nd, 2009
Jobs in the finance industry are diverse and far reaching. Banking jobs have long been viewed as dull and uninteresting but this could not be further from the truth. With roles in financial planning, investment banking and real estate to name but a few, career paths in the finance industry are plentiful.
Commercial banking jobs are wide ranging, they offer great entry level positions and good career progression. The many large organisations in commercial banking also offer good employment security. Commercial banks provide employ more people than any other sector of the finance industry, they offer good opportunities to understand the world of business and interact with customers.
The world of corporate finance is wholly different as it usually entails working ‘in house’ using your technical knowledge to plan for a businesses future, the work is driven towards the growth of the business. Fundamentally jobs in this sector of the banking industry create value for their company, they are predominantly performance related so subsequently can be high pressure, although this pressure is elongated and based upon long term goals.
Financial planners carry out similar tasks to those in the corporate sphere; these jobs however are focussed upon helping individuals plan for their future. The work requires outstanding interpersonal skills while it can be ultimately rewarding; both financially and personally. For this role understanding of estate planning issues, investments and taxes is a prerequisite.
The field of insurance also offers a variety of finance jobs; insurance is increasingly becoming a lucrative field as more and more people become dependent upon it. Jobs in this sector include calculating risk and anticipating future problems. Job roles include underwriter, customer and sales representative, as well as asset manager. Today the insurance industry is trying to leave its negative image in the past and promote the idea that their industry is there to help people in times of need.
Investment banking has long been seen as the most lucrative sector in the financial industry. The job includes purchasing assets, trade securities and offering financial assistance. As well as large multinational investment banking firms there are smaller companies that operate on a more regional level. These jobs are important to world finance as the work larger companies undertake is often for governments.
Being a money manager is one of the most rewarding jobs in banking. It fundamentally involves the investment side of the stock market. Dealing in stocks and bonds makes up the majority of the work although freedom to work how you like is a large constituent of these jobs.
Unfortunately starting in money management is difficult, top companies only hire experienced individuals, although experience can be gained with local pension fund companies and insurance companies. Understanding portfolio theory, fixed income investments and gaining official qualifications will assist in getting this type of finance job.
Finally there is the financial field of real estate, jobs in this sector are diverse and vary from construction to mortgage brokering and leasing. With over a third of the world’s wealth tied up in real estate this is a financially rewarding sector to enter. The close ties real estate has with society in terms of infrastructure development gives these jobs a sense of social responsibility, while the work offers different challenges on a daily basis. Of all the jobs in banking this is often the most interesting field to enter.
As previously stated, jobs within the banking and financial industries vary greatly; with so many disparate fields there is much to offer prospective financiers. The skills needed in the banking industries are considerably unique to each field. However, if you feel you are shrewd with funds and in most cases great with people, working in the finance industry could be the career path for you.