For creditors needing to understand their customer's real financial position and their realistic ability to repay their debts, or for prudent clients considering lending money to a company, the insolvency team at Vincents is able to undertake an independent review of accounts to confirm the financial and other commercial credentials presented by the prospective borrowers. Services include:

• a review of the borrower's historical and forecast trading performance
• consideration of the applicant's industry position, their customer / supplier dependence, distribution agreements, strength of management and general SWOT analysis
• commentary on borrowers' accounts, operations, systems and processes to determine reasonableness of financial assumptions
• provision of a report clearly evaluating the lender's position and assessment of risk
• recommendations concerning the prospective lending, including suggestions for security