Overview
CK Finance and Advisory has extensive experience in dealing with Corporate and Commercial lending. The founder of CK Finance and Advisory, Chris Krotiris, is a former CFO of a large privately owned company for 15 years so he has a wealth and depth of experience in commercial finance from the perspective of a business owner. As a result, we are able to use our extensive commercial experience and capability to your benefit, achieving the desired outcomes for your finance arrangements. Given our breadth and depth of commercial experience, we work shoulder-to shoulder with our clients as their ‘trusted debt advisor’. We work with a large panel of corporate and commercial lenders, each with varying appetites for specific industries and risk. We have the capability to help you find the right lender, finance structure and product to suit your business needs.
Business Loans
Lending to SMEs is one of CK Finance and Advisory’s core competencies. We understand every business is different and work closely with our clients to understand their requirements so that we can deliver the best outcome. We prepare all the financial modelling and debt servicing on a fee for service basis to assist you with determining your optimal debt structure.
Construction and Development Finance
Another core capability of CK Finance and Advisory is Property Development Finance. We have funded developments from small sub-divisions to large scale mixed use multi-story commercial and residential developments. We have strong relationships with all the major property lenders, ranging from Tier 1 banks to Private Lenders. We can assist with preparing financial feasibility studies on a fee for service basis to so the finance application is presented to the bank in a way that will increase the chances of a successful application.
Working Capital Finance
At CK Finance and Advisory, we understand that ‘cash is king’ and it’s the lifeblood of any organisation. Therefore, Working Capital management is one of the most critical aspects running a successful business. Understanding your business’s cash requirements and the best financial products that would best suit your business’s needs is critical to structuring the right debt facilities for you.
Trade Finance
Trade Finance is a less commonly used source of finance and is often overlooked by clients seeking finance. Trade Finance is a lending product that can assist with managing working capital. Traditionally used for businesses exporting and importing products, Trade Finance facilities can also be used to manage supplier payments by essentially facilitating extended trading terms, thereby assisting with cashflow management. CK Finance and Advisory have strong relationships with lenders that specialise in Line of Credit and Trade Finance debt facilities.
Debtor Finance
Unlock cash by turning unpaid sales invoices into cash. Consistent cash flow is the biggest challenge for any business, large or small. The challenge only intensifies when debtors are slow to pay invoices, or when your sales are highly seasonal. Debtor Finance relieves cash flow strain and gives you access to cash when your business needs it, without having to offer your house or other landed assets as security. The funder simply takes your book debts (debtors) as security and pays up to 85% of your invoices in advance. Debtor Finance is a highly effective finance facility for growing businesses.
Mezzanine Finance
At CK Finance and Advisory, we have access to an expansive network of second tier and private lenders who can provide mezzanine finance and second mortgage/caveat lending. We understand that sometimes, there is a need for this type of lending to satisfy a purpose where there is a clear and defined exist strategy, and we can support you through finding the best facility in this situation.
Capital Markets Risk Management
We have relationships with Capital Markets Divisions of the major lenders and can introduce you to the relevant people to assist you with managing interest rate risk (derivatives and interest rate swaps), foreign exchange risk (Forward Exchange Contracts and other derivatives), and commodity risk.