Creative Global Funding Services

Will the seller’s related-party arrangements continue after you buy the business? Before building an acquisition financing request, identify the arrangements that support current operations, document the existing terms, and explain what will change after closing. A business may rely on premises, equipment, services, or supplies provided by an owner-connected entity. Historical results alone do not explain the buyer’s future costs. Start with a dated schedule naming the parties, describing what each arrangement provides, and linking it to supporting records. Then separate confirmed continuing terms from proposed replacements and unresolved questions. This creates a clearer basis for a funding conversation without assuming that today’s arrangements transfer automatically or that a capital provider will accept the forecast. Identify the arrangements behind the numbers Review the business with its appropriate advisers and ask which material operating arrangements involve the seller or c...

Have you included systems integration in your acquisition financing plan? Before assuming two businesses can operate on one platform, identify the systems that must connect, the work required, and when the related payments fall due. Build a separate, supported integration budget and connect it to the operating cash forecast. A purchase price does not explain the cost of combining billing, inventory, reporting, or other essential processes. The useful starting point is a practical plan reviewed by the people who understand the systems. Distinguish confirmed costs from estimates, assign responsibility, and keep expected savings provisional. This guide helps buyers prepare for a funding conversation without assuming that integration will be immediate, inexpensive, or covered by the proposed acquisition facility. Identify the systems that matter to operations List the systems involved in activities that must continue through the transaction. Depending on the businesses, these may includ...

Who will keep the business running while you learn how it works? For an acquisition financing request, temporary seller support should have a defined scope, a realistic cost, and an end date. Build those costs into the transition cash forecast before treating the purchase price as the full funding need. The practical answer is to separate three items: what must happen on closing day, what the seller will help with afterward, and what your own team must take over. A clear handover budget makes the request easier to explain without assuming that the seller will remain available indefinitely. Identify the work that depends on the seller Start with the activities that could stall when ownership changes. These may include customer introductions, supplier ordering, production scheduling, specialist knowledge, system administration, or relationships with key employees. Identify the person who performs each task today and the person expected to perform it after closing. Use evidence from t...

Buying an established business means evaluating the customers behind its revenue. A strong headline sales figure can hide dependence on one large account, a temporary order, or relationships managed entirely by the seller. For an acquisition financing request, documenting customer concentration helps explain how the business earns its income and what could change after ownership transfers. Start with a dated customer revenue schedule supported by the seller's records. The aim is to give capital providers a traceable view of historical performance, contract coverage, and the buyer's transition plan. A customer list alone cannot establish future revenue. Build a consistent customer revenue schedule Request sales by customer for completed financial years and the current year to date. Identify the period, reporting entity, currency, and whether the figures represent invoiced sales or recognized revenue. Use the same basis across periods, and explain returns, rebates, credit note...