For Accountants
You usually see it before anyone else: daily debits to short-term lenders, a new facility taken to service the last one, HMRC arrears building behind it. Strata works alongside you. We arrange HMRC Time to Pay through a specialist partner where needed, prepare integrated forecasts and introduce a packaged case to CDFIs and specialist lenders. We do not lend, and we do not do your client's accounts. Your client stays your client.
What You'll Spot
Directors under pressure rarely say it out loud. The numbers say it for them. If you recognise any of these in a client's file, it is worth a Client Healthcheck.
Merchant cash advances and short-term lenders taking repayments straight from card takings or the bank, several times a week.
A new facility lands, and most of it goes straight out to settle or service an earlier one.
VAT, PAYE or Corporation Tax falling behind because cash is going to lenders first, which then blocks mainstream refinance.
A business that trades well on paper, with too much of its turnover leaving every month in repayments, interest and fees.
How We Work With You
Strata is a group of seasoned professionals with backgrounds in banking, accountancy and finance. We do the refinance work you would rather not carry, and we keep you in the loop throughout.
A few minutes, with your client's permission. The illustration comes to you, not to them, so you decide how and when to raise it.
If tax arrears are in the way, we arrange a Time to Pay arrangement with HMRC through a trusted specialist partner before any lender sees the file.
We prepare integrated profit and loss, balance sheet and cashflow forecasts that show funders how the restructured debt will be serviced, working from the accounts you already hold.
We submit a fully prepared proposal to longer-term lenders, including Community Development Finance Institutions (CDFIs) that mainstream brokers rarely engage with. The lender makes the decision.
Why Work With Strata
We do not offer accounts, tax returns or bookkeeping. We work on the debt and hand back a client in better shape.
Our fees, any partner fees and the lender's own costs are set out separately, so a single monthly number is never hiding three invoices.
Strata is a trading style of Sterling Commercial Finance Limited, authorised and regulated by the Financial Conduct Authority (FCA reference number 733615).
If refinance is not the answer, we say so. Some files need a restructuring or insolvency professional, and we will tell you that plainly.
Run the Client Healthcheck, or get in touch and talk it through first. No judgement, no preaching, just good honest old-fashioned common sense.
