Banks must meet capital adequacy requirements and as a result if you have any bank debt it is a Basel II/III requirement that you are assigned a credit grade (or credit score). Essentially, the weaker your credit grade the higher […]

If you are willing to sell a share in your business equity finance is a viable option over bank finance. Key to the deal is the valuation of your business and the risk and return for any potential investor.

Venture Capitalists (“VCs”) are another source of finance for businesses when debt is not an option and there is no access to capital markets. A VC is a professional investor managing a fund and looking for suitable investments for that […]