Financial preparation and banking readiness
Prepare the financial case before the business needs funding
We build an organised and explainable financial track record aligned with future needs, without manufacturing solvency or promising credit approval.
When it fits
This engagement is appropriate when:
- 01
Newly established or growing company.
- 02
Funding need expected within the coming months.
- 03
Information is dispersed or not ready for third-party review.
- 04
Excessive dependence on one lender or funding instrument.
Decision supported
The decision this work will help you make
You will have coherent forecasts and documentation to explain the need, repayment capacity and risks without improvisation.
Typical situation
A company needs funding but approaches lenders with fragmented information and no concise explanation of use of funds, return and repayment capacity
Structuring evidence, risks and scenarios before negotiation improves credibility and reduces urgency-driven decisions.
- Signal
- Hypothesis
- Challenge
- Conclusion
- Decision
What you receive
A defined, verifiable scope designed for use
Cash forecast and repayment-capacity view
Financial dossier and supporting-document checklist
Lender conversation, questions and follow-up guide
How we work
You know the process before it starts
- 01
Financial position and objectives
- 02
Documentation and risk review
- 03
Dossier and scenario construction
- 04
Preparation for lender dialogue and follow-up
Before engagement
Clear limitations also create confidence
Do you obtain loans?
No. We do not guarantee approval. We prepare the company and the request so that they are coherent, documented and defensible.
Can existing credit exposure be reviewed?
Yes, using reports and information lawfully supplied by the business and relating them to the wider funding and risk map.
Does this help before funding is needed?
That is the best time to organise information, financial habits and scenarios without immediate pressure.
What should be ready before applying for finance?
Consistent accounts and filings, debt and guarantees, lawfully obtained credit-exposure reports, cash forecasts, purpose and amount, sponsor contribution, repayment capacity and principal risks. The documents must tell one coherent story and explain deviations.
How should existing credit exposure be used?
The business should obtain its own official or lawfully accessible reports and reconcile loans, credit, guarantees and contingent exposure with its accounts. For Spanish exposures, the Bank of Spain’s CIR report service explains how individuals and companies can request their information.
What period should financial forecasts cover?
Long enough to show the use of funds, period of pressure, stabilisation and debt service. Critical months and downside scenarios matter more than a single optimistic annual figure.
How can a company tell whether it is bank-ready?
It can explain how much is needed, why, for how long, how repayment will occur, what could go wrong and which measures would apply if the case weakens. The banking negotiation guide helps structure that preparation.
What does banking-readiness work deliver?
A structured information pack, debt and guarantee map, forecasts, supporting argument, likely questions and negotiation conditions. The lender retains full responsibility for its credit and approval decision.
Structure before execution
MGS Decision Framework™ —a sub-method of the MGS Strategic Intelligence Framework™—
MGS-FRR-006 · Financial Readiness Review is the firm’s methodology module closest to this decision. It structures evidence, assumptions, limits and conditions for proceeding before execution.
Next step
Review this decision
Describe the decision, timing and available information. We will confirm fit and propose a closed scope before engagement.
Request an initial review