For Introducers
Consultants, advisers, networkers and suppliers often hear it first:
What You'll Spot
Owners talk to the people they trust and work with every week. If a business you know shows any of these signs, 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 assess the case and look for options across CDFIs and specialist lenders. You keep your relationship with the business, and we keep you informed throughout, with the business's agreement.
It takes a few minutes. The business must agree before any details are passed on, so have the conversation with them first.
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 from the business's own figures, so funders can see how new or refinanced borrowing would be serviced.
We look for options across CDFIs and specialist lenders, whether that is new funding, a refinance, a restructure, or Time to Pay where needed. We assess the case. There is no guarantee of an outcome.
Why Work With Strata
We work alongside you, not around you. The business stays your client or contact, and we keep you informed, with their agreement.
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. Any commission Strata receives is disclosed to the client. Introducers are rewarded for successful introductions.
Strata is a trading style of Sterling Commercial Finance Limited, authorised and regulated by the Financial Conduct Authority (FCA reference number 733615). Not all of the services and finance Strata arranges are regulated by the FCA. Some borrowers — sole traders, small partnerships, and some secured loans — may fall under FCA consumer credit or mortgage rules, or may be vulnerable customers. Strata checks which rules apply before advising.
If finance is not the answer, we say so. Some businesses need a restructuring or insolvency professional, and we will tell you that plainly. There is no guarantee of an outcome.
Run the Client Healthcheck, or get in touch and talk it through first. We ask for the business's consent before any details are passed on. No judgement, no preaching, just good honest old-fashioned common sense.
