Financial Systems

Cash and profit clarity for better decisions.

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Access Finance

An efficient way to secure a fair deal.

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Why Forward Financials?


We give practical solutions and advice.
As well as our many years as Bank Relationship Managers and Credit Sanctioners dealing with start-ups through to larger corporates we have analysed a wide range of businesses as City Analysts. We are also Qualified Accountants and having set up our own business from scratch know first-hand the challenges businesses of all sizes face and how to deal with them.

How we have helped clients


  • Financial systems and support to secure bank finance

    Issue: The business and its bankers required more detailed financial data
    Action: Forward Financials built a management accounting and forecasting system and provided Finance Director support so the business and its bankers could see the impact of strategic plans on debt and covenants.
    Result: Funding was agreed and bankers received quality monthly management information packs.

    “Working with Forward Financials has revolutionised our business and as a result of their work we were recently able to draw down new facilities and ensure our bankers received quality management information going forward.” 

    Buffie du Pon, Managing Director, Mix Pixie Ltd and I Like Music

  • Financial data to secure equity funding

    Issue: Data required to present to equity funders to support strategic growth plans.
    Action: Forward Financials built an integrated financial system including Profit and Loss, Cash Flow and Balance Sheet to show the impact on funding of expected and accelerated growth plans.
    Result: Equity investors were able to see the impact of different levels of investment and chose to support a higher level enabling the business to accelerate its growth plans.

  • Bespoke cash flow system for funding clarity

    Issue: Improve cash management and assess funding requirements.
    Action: Forward Financiclas worked closely with management to build a taillored cash flow forecasting system that focused on key business drivers and could evolve and be used for years to come.
    Result: Cash flow clarity and a realisation that with effective monitoring no additional finance was actually required saving time and money.

    Delphine has helped me look at my business in a whole new way…through her help and direction we have created the tools to help me properly run and understand my business…” 

    Mark West, Managing Director

  • Integrated model to support finance and covenant monitoring

    Issue: Finance support required to model international growth plans and their impact on financial covenants.
    Action: Forward Financials worked closely with the finance team to consolidate historic data and build a scenario based forecast to assess debt and covenant headroom.
    Result: Data produced supported a successful finance deal to enable expansion worldwide. The finance team were confident to monitor covenant compliance moving forward.

    “They worked seamlessly with management and APCER’s finance team to deliver a comprehensive solution which contributed to a successful restructuring and financing.”

    T Gopal Menon, Vice Chairman, APC Group

  • Financial data to support strategic decisions

    Issue: Concern over the viability of a new acquisition.
    Action: Forward Financials worked closely with the team to model the combined businesses.
    Result: Data generated enabled the client to see the positive impact of the acquisiiton and be confident it made sense financially before commiting to the risk.

    ”We contracted Forward Financials to help us assess our growth strategy and the viability of a potential acquisition.  We found Raemy to be an excellent sounding board.  She asked all the right questions to enable us to make the best decision for our business.

    Catriona Razic, Director, Inmarkets Ltd

  • Feedback from our lenders

    Issue: Clients unsure how to approach banks leading to information gaps and a protracted process.
    Action: Funding advice given  by Forward Financials and finance needs effectively communicated to banks supported by appropriate data.
    Result: A swift indicative offer provided by lenders saving time and uncertainty.

    John Davy, Senior Relationship Manager, NatWest Commercial Banking, Londonthe quality of the analysis provided was extremely well constructed and made the credit assessment process much easier to both understand and enable a quick positive credit sanction.

    Matt Edwardes, Corporate Manager, Handelsbanken, Hertfordshire…I can honestly say that the quality of proposal that she puts forward is second to none…it is clear to see that Delphine understands the dynamics of what makes a deal work for a commercial lender.

    Derek Granville, Commercial Banking Director, Metro Bank Plc, London…one of the best lending proposal packages I have seen prepared – adding tremendous value both to client and prospective lender.

    Richard Skelley, Relationship Director, Santander UK Plc, Londonthey have consistently delivered above and beyond expectations.  

    Mark Smith, Relationship Director, Barclays Bank Plc, Cambridgeshire…Delphine has really helped to give both the client and the bank much greater visibility on the financial performance of the business…   

    For full testimonials please see out testimonials page