Raemy Singh FCA: 07780336956
Delphine Paterson FCCA ACIB: 07780336952

Lisa Hall, CFO, Imetrum Ltd, Bristol

I was fortunate enough to work with Delphine for a series of financial coaching sessions. Her professional and personable approach fitted perfectly with our small business. Delphine brought with her a wealth of experience and knowledge which has supported me in putting the right building blocks in place so that we are well positioned as we scale up the business. 

One of the key pieces of work that Delphine guided me through was the building of a complex financial model – I was initially daunted at the thought, but her measured approach resulted in a robust model – this will support me in my role as CFO in all financial matters: reporting to the board, forecasting, cashflow, planning and budgeting. The model will enable me to report accurate, meaningful data to support the business in their decision-making process. Having all data in one model has freed up my time so that I can spend it on the value-added tasks.

I would not hesitate to recommend Delphine and hope to work with her again in the future.

Bikram Maharjan, CEO, Signature X Ltd

Raemy was recommended to our business to assist us by preparing the forecast information we needed to engage with our Bank for our funding requests.

She made the process a simple yet engaging one. She took the time to understand our business model and our requirements. She was able to help us review our goals for post pandemic recovery and ensure they were credible and robust. She then translated them into a fully integrated model including cash flow forecasts. We looked at more than one scenario and using her expertise we were able to refine our plans for the future.

She liaised as part of our team with our Bank to ensure all their queries were answered. We have learned so much from working with Raemy on this process and we are looking forward to continuing our relationship in the future. We heartily recommend Raemy and the services that Forward Financials offer.

Business Support Director, Major UK Clearing Bank, Birmingham

Having worked with Delphine on a case through the difficulties of COVID 19, I can say she provided our client with excellent Finance Director support. 

The management information and realistic forecasts she produced helped the business make important strategic decisions so weaker areas could be divested and more profitable ventures expanded. As a lender, this information also provided us with the comfort that financial control was robust.

Despite the challenging times, with Delphine’s help, the banking relationship continued to be a strong one with excellent communication and flow of information. Overall, Delphine’s support was invaluable to the bank, providing confidence debt levels could continue to be serviced and ensuring protective covenants were well defined and set at realistic levels

David Pumfrey Partner, Simmons Gainsford Group, London

Time and time again I have seen Delphine help businesses obtain finance, whether for growth or to see them over more challenging times.  She quickly gets to grips with cash flow drivers, building a scenario based financial model to ensure the right amount of finance is sought and that the business has a model in the right format for lenders.  This one stop shop approach stands her apart from traditional brokers who would look to the business to provide any model.     

Delphine has an excellent contact base, ensuring not only the best funding match but a relationship that is going to work long term.  The case she puts forward is thorough, for a swift positive decision, and with her open and honest approach, both business and funder remain fully informed.  This avoids any drawn out, back and forth information process which unfortunately I have seen many businesses endure.

When seeking funding it is important to get it right first time.  A cash flow that stands up to scrutiny, realistic assumptions and accompanying narrative take time to prepare.  This is often needed when growth or challenges are already putting a finance team under pressure.  It therefore makes sense to obtain support early.  If you want a professional on your side, so you can save time, understand your cash flows and secure a competitive deal, I would certainly recommend getting in touch.

Simon Hammond, Client Services Director, Insight Associates Ltd, Essex

Delphine helped one of our TV programming and broadcasting clients with a forecasting system to provide visibility of income and cash flow. Our client’s channel contracts were extremely complex, but Delphine took this in her stride studying the intricacies to build a model that matched all variables. As a result, the client can now flex forecast audience numbers, with the model working through pricing and commission triggers saving them considerable time running “what if” scenarios.

The model also works seamlessly with the outsourced services we provide, with our monthly data automatically populating the model in terms of management information so the model continually rolls forward from actual to forecast data.

Delphine worked closely with our client and ourselves to ensure the model included all their needs and I would certainly recommend her services.

Mel Childs, Finance Director, Reader Offers Ltd, Colchester

Forward Financials have assisted Reader Offers through different stages of its development.  Raemy initially assisted us with a project where her analytical support, modelling, sound commercial advice and experience of financial markets, added great value in assessing our operational strategies. 

More recently, Delphine was able to quickly get to grips with our complex internal management account and forecasting system.  With a can-do attitude and helpful suggestions, she was able to make time saving improvements and add the scenario detail needed so we could forecast forward with confidence.

Forward Financials certainly offers a service tailored to needs and I would be very happy to recommend them.

Sue Denton, Director, First For Childcare Group

Delphine was recommended to me and her work certainly exceeded the support I had previously received from a much larger firm.  She immediately got to the heart of our issues and was not afraid to challenge existing practices to strengthen our financial set up.  She took a hands-on approach and worked to a very tight deadline to satisfy lenders with financial detail supporting our acquisition of a further 6 children’s nurseries. 

Delphine instigated robust financial systems, controls and staff training so we could build a strong finance function to manage the increased workload.  She implemented consolidated reporting of all nursery settings, building a new management account and forecasting system which enabled us to manage our banking covenants.  She also provided me with commercial support to assist with strategy through the interrogation of data.

More recently Delphine provided support during the impact of COVID-19, to help build resilience and fuel our growth.  She worked closely with myself to forecast forward and liaised with lenders to reset covenant test levels, as a result of the pandemic closures.  She is extremely diligent and her friendly approach has helped her work seamlessly with myself, my team, bankers and accountants.  She adds real value to my business and I would be happy to recommend her services.

Rob Clarke, CEO, Mode Print Solutions Ltd

Delphine built a financial model that brought together our historic and forecast data to support an MBO. She understood the requirements and issues immediately and met a tight deadline to ensure the deal team received a professional model that was credible, flexible and easily audited.  Her work made a significant contribution to the due diligence process to give the MBO funders confidence in the transaction.

Delphine was a pleasure to work with and her expertise in building a financial model that reflected the specifics of our business and its cash flows was an invaluable part of the successful MBO.  As a result, I would be more than happy to recommend her.

Sailesh Mistry, Management Accountant, Blue Inc (UK) Ltd

As somebody with no experience of the high street retail sector, I worked closely with Delphine whose work on the business model of the company enabled me to gain an invaluable in depth understanding of the sector and was vital to enable Blue Inc to continue to trade in a CVA.

Both the shareholders and I have a high regard for Delphine’s professionalism, technical knowledge and help in resolving issues and have no hesitation in recommending Delphine.

Ronel Lehmann, Chief Executive, Finito Education Limited

During these unprecedented and worrying times, financial stability for SME’s is paramount to help to ensure their survival and future success. I commend Delphine Paterson for her wise counsel, knowledge and dedication in guiding us through the myriad of protocols to take advantage of the Coronavirus Business Interruption Loan scheme and Future Fund.

If you need working capital facilities to help you to bounce back higher, look no further.

Robert Riffkin, Relationship Director, Santander UK Plc, London

I have worked with Raemy for over 3 years now on a particular client in my portfolio. In her position as Consultant Finance Director she has enabled us to get visibility and comfort on the financial performance of the company. In doing so, the financial position of the company improved to a place where we have been able to get comfort.

I have developed a sound working relationship with Raemy, to the extent that I know if I have a query or request in terms of the business or financial metrics, I will get a timely and accurate response that will meet my needs. I look forward to working with Raemy again in the future.

Buffie du Pon, Director, MixPixie Ltd, Surrey

Working with Raemy and 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. 

We now have complete transparency across all our accounts and forecasting models that have been sensitised, this has been crucial for us to shape the future of our business and prioritise key revenue streams.  I couldn’t recommend Forward Financials highly enough and with their down to earth approach they have very quickly become an important part of our business going forward.

T Gopal Menon, Vice Chairman, APC Group, London

Delphine and Raemy helped a group company, APCER Life Sciences to build a bespoke forecasting model and also to run sensitivities and predict covenant compliance.  They worked seamlessly with management and APCER’s finance team to deliver a comprehensive solution which contributed to a successful restructuring and financing.  

We greatly appreciate their contribution and intend to work with them again.

Mark Snaith, Senior Investment Manager, Connection Capital LLP, London

Delphine built a robust financial model for one of our portfolio companies to support its ongoing operations, management information requirements and covenant reporting in a private equity backed environment.

She navigated a complex financing structure with relative ease, worked to tight deadlines and produced a model that will undoubtedly stand the test of time.

Delphine’s highly responsive, committed and friendly approach made her a pleasure to work with and the output was delivered to a high standard. Thank you!

Alistair Lee, Partner, Argyll Debt Advisory, London

I had the pleasure of working with Delphine on a recent project raising debt finance for a client.  She provided excellent support to their finance department – in particular translating their vision into a five-year financial model to share with the banks. 

Additionally, she assisted with sensitising the model and reviewing covenants to help finalise the transaction.  All the work was undertaken in an extremely timely, efficient and accurate manner.  I have no hesitation in recommending her to clients.   

Nicola Babb, Partner, Armstrong Solicitors, London

We strongly recommend Forward Financials. We found they grasped our company’s business needs from the first discussions and demonstrated incredible insight into our work and the dynamics of our sector.

They were able to translate our business objectives into a robust, bespoke financial forecast model and report which made a considerable difference to our success in being awarded a contract.

Forward Financials are experienced and able professionals who offer an individually tailored service – invaluable to all businesses in these difficult economic times.

Mark Smith, Relationship Director, Barclays Corporate, Cambridgeshire

I have worked with Delphine for several years now with a particular client.  She has really helped to give both the client and the bank much greater visibility on the financial performance of the business but also proactively assists the client interpreting the information and using this to make improvements/take appropriate action where needed.

She is really engaging and really helps bring the numbers to life enabling the production of a monthly MI pack to track performance to budgets.  Furthermore, Delphine has always been readily available to support the client and the Bank by way of joint meetings.  Many thanks Delphine.

John Davy, Senior Relationship Manager, NatWest Commercial Banking, London

I recently worked with Delphine on a deal for a mutual customer.  The 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.

Graham Walpole, International Sports Marketing Executive and former head of IMG Consulting (Europe APAC), London

I have very much enjoyed working with Delphine and Raemy and have found them to be highly professional and attentive in all that they have done.

Catriona Razic, Director, Inmarkets Ltd, London

As a small growing business, 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 in this process.

She asked all the right questions to enable us to make the best decision for our business, and gently guided us through our acquisition due diligence.

Throughout this process, Raemy showed great resourcefulness, flexibility and understanding of our unique needs, as a business potentially embarking into new territory. I can honestly say that with her guidance we were able to make the right decision. I would heartily recommend Forward Financials and will no doubt turn to them again as we continue in our growth strategy.

Richard Skelley, Relationship Director, Santander UK Plc, London

I have had the great pleasure of working with Raemy and Delphine on a number of occasions in recent years and they have consistently delivered above and beyond expectations.  

One of their great strengths is the depth and breadth of commercial knowledge across a number of industry sectors garnered from practical exposure during their time with one of the UK’s premier lending institutions whose corporate client base was itself segmented across specialist units aligned within industry sectors. This included a number of people/intellectual property based industries not least professional practices and of course Technology, Media and Telecoms.

Raemy and Delphine are experienced in assessing the multitude of differing business models adopted by their clients and appreciate the constantly changing commercial environment corporates now have to operate within, for example; the difficulties faced during the transition between traditional delivery channels and the emerging digital landscape. This is particularly pertinent within the TMT sector and having used their expertise on a number of transactions it is refreshing to work with a team who can consistently deliver quality work on time and on budget.

Matt Edwardes, Corporate Manager, Handelsbanken, Hertfordshire

Having recently worked on a deal with Delphine I can honestly say that the quality of proposal that she puts forward is second to none.  Her reports are both detailed and of excellent quality, it is clear to see that Delphine understands the dynamics of what makes a deal work for a commercial lender.

Delphine is also very personable and approachable, I wouldn’t hesitate in recommending her services and look forward to working with her again in the future.

Derek Granville, Commercial Banking Director, Metro Bank Plc, London

Having seen first-hand examples of the proposals that Delphine produces for her clients to present to banks to assess lending proposals, it is apparent that her experience as a qualified accountant, a front line lender and credit analyst sees one of the best lending proposal packages I have seen prepared – adding tremendous value both to client and prospective lender.

Tim Goodman, Astuta Ltd, London

I have had the pleasure of working with Raemy over a number of years going back to her time as a senior analyst at RBS where she developed her technical skills and deep understanding of the dynamics of her sectors.

She is personable, a clear and effective communicator and delivers projects to her clients to timetable and to a high standard.

Tom Welsh, Director, Real Estate Finance Partners Ltd, London

Delphine is excellent at what she does.  She engages with business partners and clients in a very professional manner. 

The service she provides is invaluable in establishing enterprise value and determining strategic options for business development and the associated funding analysis which underpins new and existing sources of finance.

Sylvia Giles, Managing Director, AMR (England) Ltd, Cambridgeshire

We had the good fortune to work with Forward Financials earlier this year when launching a new proposition to our developer clients.

Following discussion with Forward Financials, it became apparent how important a thorough understanding of our clients’ financial position and attitude to risk would be to our offering. We commissioned Forward Financials to complete a comprehensive review of our target clients’ accounts and model the financial benefits of them working with us. We were impressed by their thorough, comprehensive and timely approach to our remit.

In our experience, Forward Financials is a completely professional firm with an in depth understanding of their sector and an appreciation of how to deliver benefits to their clients but always with integrity and a commitment/adherence to the highest standards of accounting practices. As with many businesses we have had to be conscious of expenditures, however, there is no question that any costs incurred were more than offset by the tangible benefits of being able to tailor our product most effectively based on the data generated by Forward Financials.

The Forward Financials output played an integral and essential part in forming our strategic approach to the market. I have no hesitation in recommending the benefits of collaborating with Forward Financials if one’s goal is to achieve financial transparency, clarity, rigour and ultimately enhanced commercial rewards

Neil Heritage, Credit Partner, Santander UK Plc, London

Having worked with Delphine for many years and more recently Raemy, it is evident that they add great value to any client proposal, from the initial debt application to providing clear and timely monitoring data thereafter.  

Their years of banking experience ensures the Bank receives exactly what is required in terms of financial data, supporting narrative, detailed covenant calculations and forecasts, providing visibility so the credit assessment is much easier.  It is clear they take great pride in developing strong professional relationships with their clients, taking time to understand the business, ensure the right data is captured and interpreted and making improvements, as necessary, to help the business work smarter and grow.

Their involvement provides comfort that the client has a hands-on approach to their finances.

Mark West, Managing Director, Damage Doctor, Cambridgeshire

Delphine has helped me look at my business in a whole new way.  Not just with the basic running and cash flow in my business, but also managing that cash flow, forward planning and risk analysis. 

Through her help and direction, we have created the tools to help me properly run and understand my business and help drive it forward and grow properly.

Delphine is a one stop shop for banking intelligence.  Her commercial insight and market knowledge saved us considerable time.  Why would anyone want to go it alone?”

Mick Bowden, Chairman, Bedford Athletic Rugby Club, Bedfordshire

We found Forward Financials really made a difference in our understanding of costs, income, cash flow and profitability with helpful suggestions as to the action we should take now to make our club more successful going forward.

They have also saved us a considerable amount of time each month with one easy to use model which brings together all our financial information and highlights any monthly deviance early. Overall, we are much more organised so we can spend more time on what we do best.