Practice area IV · Business Plans · Management Accounts · Valuations · NED
Advice that moves the business forward, not just the paperwork.
This is the specialist practice behind the compliance: funding-ready business plans, numbers you can steer by, and independent judgement at board level.
IV.01
Business Plans
“A process of examining and challenging the mind-map of an entrepreneur to convert it into a reliable and implementable roadmap.” Our founder’s definition, and our method.
A plan that lives only in your head, or gathers dust on a shelf, will not help you. Ours are built through challenge and are written to secure funding. Business plans personally authored by Kamlesh Rajput have a 100% record of raising the funding they were written for.
- Funding-ready plans for banks and investors
- Your vision challenged and stress-tested
- Governance, scalability and risk addressed
- A roadmap you can implement
IV.02
Management Accounts
Monthly, quarterly or annual figures that show you how the business is really performing. Your first set is free with a 12-month agreement.
Unlike statutory accounts, management accounts follow no fixed format. They are built for decisions. With regular figures we can forecast your year-end tax accurately, act on legal savings early, and help you see the trends before they become problems.
- Monthly, quarterly or annual reporting
- Year-end tax estimated in advance
- Performance and margin analysis
- First set free on a 12-month agreement
IV.03
Business Valuation
Independent valuations that lenders, the courts and HMRC have accepted. Used for sales, share transfers, disputes and succession.
We analyse your past and present figures alongside future estimates, using the method that suits the purpose: asset-based, P/E, EBITDA or net present value.
- Buying, selling or transferring shares
- Disputes, separation and divorce
- Death of a partner or director
- Mergers, acquisitions and insurance claims
IV.04
Cash Flow Projection
Poor cash flow management is cited in 80–90% of business failures. A projection shows you a shortfall months before it arrives.
We build a rolling projection with you and teach you to read it, so you understand the impact of a late payment on the whole business, not just on the account it affects.
- Rolling 12-month projections
- Scenario and late-payment modelling
- Lender-ready forecasts
- Training to read and maintain it yourself
IV.05
Due Diligence
Before you buy, invest, partner or merge, we check the facts behind the brochure and the accounts.
Sellers present their business in its best light. Our due diligence examines the financial, commercial and compliance reality, so your investment is secure and has room to grow.
- Business acquisitions and investments
- Joint ventures and new partnerships
- Property and major equipment purchases
- Supplier and counterparty reviews
IV.06
Non-Executive Director
Experienced, independent counsel at board level, on a regular or ad-hoc basis, for when the founder’s expertise is stretched thin.
An NED stays out of day-to-day operations and adds value at a strategic level, bringing an outside view, specialist knowledge and independent challenge to your leadership.
- Strategy, funding and governance
- Independent challenge to the board
- Regular or ad-hoc engagement
- Investor and lender confidence
IV.07
Financial Planning
Through our sister firm Sterling Finance IFA: pensions, investments and exit planning for individuals, families and business owners.
Holistic, long-term plans that are built, implemented and monitored, including for business owners preparing to exit or capitalise on their business. You can book a free 15-minute introductory call.
- Retirement and pension planning
- Investments and protection
- Business exit and succession
- Free 15-minute introductory call
Other practice areas
No pressure. No hard sell. No chasing.
Let’s talk about your business.
Book a free, no-obligation consultation, at our office, at your premises or by phone. You’ll leave with written recommendations and a fixed fee, whatever you decide.