In a changing economic and financial context, characterised by uncertainty and intensified competition between an ever smaller number of modern and successful companies, the latter are required to find specialised and tailor-made solutions to increasingly difficult and complex decision-making.

This has led to the emergence of a new banking approach, more oriented towards advice and services and towards a new profession, that of financial engineering, which is also interested in company directors with the arrangements specific to the management of their private and professional assets, which are often strongly intertwined.

Taking into account that the financial situation and projects are proportional to each company, our approach is to assist in the definition of a tailor-made financial strategy, adapted to the specific needs of each company:

• Creation or takeover of a company
• Significant tangible or intangible investments
• Real estate investment
• Financial difficulties

After the diagnostic and financial projection phases, we formulate our recommendations concerning the financial policy to be implemented:

• Determining the amounts and types of financing required
• Advice on the distribution of financing between own funds and bank loans
• Advice on possible grants and subsidies

We can then support you in its implementation:

• Assistance in the search for and negotiation of all types of financing
• Support in the preparation of the financial file or business plan, both in the economic presentation of the project and in the preparation of the financial part, including the drafting of the executive summary

Financial diagnosis

• Analysis of your balance sheets and income statements
• Sector comparison over a long period
• Highlighting of strengths and weaknesses

Objectives:

Identify areas for improvement to strengthen your company's financial performance and cash flow.

Secure the company and improve the return on your equity.

Forecasting, business plan

Study of several development scenarios and validation of their financial feasibility, through financial projections including

• Provisional profit and loss account
• Financing plan
• Forecast balance sheet
• Cash flow plan

Objectives:

Help you ask the right questions, clarify your financial choices and support you in putting together your financial file for banks or investors.

Financial policy:

Have you worked out the strategy? Now is the time to determine how you will finance your project.

Our consultants are familiar with all the techniques and methods of financing for companies and advise you on the financial policy to be implemented

Choice and distribution of types of financing :

• Equity and quasi-equity
• Medium and long-term loans
• Short-term loans
• Grants and subsidies

Advice on the credit periods to be retained and on possible alternative guarantees apart from your personal guarantee.

Objectives:

Enabling you to find the financial means for your project by avoiding or limiting the need for a personal guarantee.

Our expertise aims above all at finding the optimal financing and hedging conditions for the projects of these companies with regard to the analysis of the risks and financial constraints of the market, in order to optimise and finalise the raising of capital; this, thanks to our experience in financial engineering arrangements, negotiations with banks and institutions.