PRE-LENDING REVIEWS

Preparing your financials for success

At Willis Partners, we provide comprehensive pre-lending review services designed to help businesses and individuals assess their financial standing before seeking external funding. Whether you are looking for a business loan, a line of credit, or financing for a property investment, our pre-lending reviews ensure that you are well-prepared and present your financial situation to lenders in the best way possible.

What is a pre-lending review?

A pre-lending review is a proactive step that involves a detailed analysis of your financial position, including assets, liabilities, cash flow, and overall creditworthiness. The aim is to ensure that your financials are in order before approaching lenders, increasing the likelihood of loan approval and securing more favourable terms.

Our pre-lending reviews help you:

Assess your financial readiness: Understanding your current financial standing and whether you are in a strong position to secure funding.
Identify potential issues: Detecting any red flags or areas of concern in your financials that may affect your ability to obtain a loan.
Improve your chances of approval: Ensuring your financial documentation is complete, accurate, and presented in the way lenders expect.

Key elements of our pre-lending review

Our pre-lending review process includes a thorough analysis of the following key areas:

Cash Flow Analysis:

We examine your business or personal cash flow to determine whether it can support the loan repayments. Lenders typically want to see consistent, reliable cash flow before approving a loan.

Financial Projections:

We work with you to prepare realistic and sound financial projections, which help lenders understand your future cash flow and repayment ability.

Balance Sheet Assessment:

We review your balance sheet to assess the health of your assets and liabilities. A strong balance sheet will help you demonstrate financial stability to potential lenders.

Creditworthiness:

We assess your credit history and current credit score to identify any potential issues that could impact your lending application.

Debt Management:

Lenders will closely examine your current debt levels. We review your existing debt obligations to ensure they are manageable and help you understand how they may affect your ability to secure additional funding.

Compliance with Lending Criteria:

We ensure that your financials meet the lender’s specific requirements and criteria, helping you avoid delays or rejections.

Benefits of pre-lending reviews

1.

Increased Approval Chances: A well-prepared pre-lending review can significantly improve your chances of loan approval by addressing potential concerns ahead of time.

2.

Better Loan Terms: By strengthening your financial position, you can negotiate better loan terms, such as lower interest rates and more favourable repayment options.

3.

Saves Time and Effort: Preparing your financials before you apply for a loan helps to streamline the lending process, saving you time and reducing the risk of application delays.

4.

Risk Mitigation: Our review process identifies and helps you manage potential financial risks, making your lending application more attractive to lenders.

Why choose Willis Partners for your pre-lending review?

With extensive experience across a range of industries, Willis Partners offers expert pre-lending review services that ensure your financial position is optimised for securing funding. Our team of financial specialists will work closely with you to ensure that your business or personal financials are aligned with lending requirements, giving you the confidence to approach potential lenders with a strong, well-documented case.

Partner with us for your pre-lending review and let us help you achieve your financial goals with confidence.