Advisory Financial advisory
Grupo Asegi advises companies and self-employed workers in the Basque Country and Navarra on how they raise and structure their financial resources: business plans and projections, balance sheet and ratio analysis, sourcing and negotiating finance, debt restructuring and outsourced financial management, always measuring the outcome in financial and tax terms.
What's included
- Business plan with financial projections and cash flow scenarios
- Analysis of the balance sheet and of the ratios the lender uses to assess the transaction
- Search for and comparison of finance: loan, ICO credit line, leasing, working capital and guarantees
- Debt restructuring and renegotiation of terms, security and effective cost
- Outsourced financial management for companies with no department of their own
- Investment planning with regard to its combined financial and tax return
Two companies with the same profit and loss account can bear very different finance costs. The difference is rarely in the interest rate: it lies in how the debt has been structured, in what security has been given and in whether the information presented to the lender answers what the lender is going to look at.
Before you ask: the numbers and the narrative
We prepare the business plan and the financial projections with the cash flow scenarios that support the request, and we analyse the balance sheet using the same ratios the credit risk analyst will apply. Knowing that diagnosis before the lender does changes the conversation completely.
Liability transactions: finance and restructuring
We search for and compare the available alternatives — loan, ICO credit line, leasing, working capital facility, guarantee — and we accompany the negotiation through to completion. When the problem is not obtaining more finance but reordering what is already there, we work on restructuring: terms, grace periods, security and the effective cost of each transaction.
Asset transactions: what to do with a surplus
We plan investments from each client’s specific situation, diversifying across the available instruments and measuring the outcome in financial and tax terms. Under a foral regime this matters: the net return on an investment decision depends as much on the product as on its treatment under the personal income tax (IRPF) or the Corporate Income Tax of the territory where tax is paid.
Outsourced financial management
For companies that have no finance department of their own, we take on the function: treasury control, budget monitoring, relations with the lenders and preparation of the periodic information for the owners or the board.
Independence and confidentiality
We are independent financial advisers and our professionals hold EFPA (European Financial Planning Association) certification. Every recommendation starts from a tailored study, is agreed with the client before it is carried out and is treated in the strictest confidence.
Frequently asked questions
- What does it mean for the advice to be independent?
- That the recommendation is not set by the institution selling the product, but by the study of the client's specific situation. Our financial advisers hold EFPA (European Financial Planning Association) certification.
- Do you help obtain bank finance?
- Yes. We prepare the documentation and the projections the lender will ask for, we compare the available alternatives — loan, ICO credit line, leasing, working capital or guarantee — and we accompany the negotiation through to completion.
- Does this make sense for a small company?
- Yes. A good part of the work consists of reducing the cost of finance and putting maturity dates in order, and both matter more the tighter the margin and the smaller the structure.
- How does it differ from tax advisory?
- Tax advisory answers for your obligations to the Foral Tax Authority. Financial advisory decides how the company's money is financed and how it is invested. They are reviewed together because the final return on a decision is both financial and fiscal.