Prepare your business for debt-financing discussions

When a business seeks a loan, refinancing or other debt facility, lenders may review its financial performance, cash flow, assets, liabilities and ability to service debt. A business valuation can add context, but it is only one part of a lender’s assessment.

Prepare the information lenders may ask for

• Recent accounts and management information.
• Revenue, margin and cash-flow trends.
• Existing borrowing, repayment obligations and contingent liabilities.
• Forecasts and the assumptions behind them.
• Information about customers, suppliers, assets and key business risks.

Where a valuation fits

Worthli helps UK business owners organise company financial information and produce an estimated business valuation report. This may support internal planning and help owners prepare questions for lenders or finance advisers. Lenders will apply their own underwriting criteria and may require additional analysis, security or independent valuations.

Understand the limitations

A business valuation is not a credit decision, a loan offer or a guarantee that finance will be available. The amount and terms of any facility depend on lender policy, cash flow, affordability, security, creditworthiness and other factors. Asset-backed lending may require a separate valuation of specific assets.

Explore your options

Learn more about the Worthli business valuation tool, see the sample report and review Worthli pricing.