Financial Advisory Services

Bank Negotiation Advisory Services
Many small to mid sized businesses do not have the budget to employ a skilled full time executive to negotiate and maintain banking relationships and agreements.

Negotiating a loan agreement is not simply about ensuring that you get the best possible interest rate. It is also about ensuring that the banker you will work with is comfortable with your business from a credit perspective and that they will continue to work with you through the ups and downs of the various business cycles.

Will they provide expanded credit facilities when your business is rapidly growing or will they restrict your ability to grow? Are the loan covenants reasonable for your type of business i.e. will your business be in default of the covenants during seasonal slow downs? Are the loan covenants too restrictive in general? Is the loan repayment schedule too onerous and accelerated to allow for the benefits derived from the financing to be realized? Are the charges for other bank services reasonable and competitive? Will the banking relationship manager work with you in the future to grow the business or will they only get involved if there is a loan problem?

Clausen & Associates has the experience and proven track record to assist your business through the process of banker selection, loan negotiation and evaluation of myriad other banking services that may or may not be of benefit to your business. We can work with you to help maintain your banking relationship at an optimal level.