Know exactly how much you can borrow — before you speak to the bank.
Acquisitions Advisory Ltd builds lender-ready financial models for businesses raising finance or buying another business.
Most businesses approach funding blind.
They do not know how much they can borrow, whether repayments are affordable, or how lenders will assess the deal. That is where applications are declined and acquisitions fail.
- Borrowing decisions based on profit instead of available cashflow
- Forecasts that ignore seasonality and underlying trading trends
- No monthly testing of debt serviceability or covenant compliance
- Too much upfront debt and not enough deal structuring
What the model gives you
A clear, lender-relevant view of what the business can support now and over time.
- Borrowing capacity based on real cashflow
- AI-assisted detection of growth trends and seasonality
- 60-month integrated forecasts
- Combined entity modelling for acquisitions
- Free cashflow and debt affordability analysis
- Deferred consideration planning where needed
A simple process. Premium output.
Turn accounting data into lender-ready insight without relying on generic templates, unrealistic assumptions, or guesswork.
Send your data
Export a simple report of 24 months profit and loss data from your accounting system. Our AI will do the rest. For acquisitions, provide data for both the buyer and the target company.
We build the model
The model detects seasonality, underlying growth, industry trends, and performance patterns, then creates 60-month integrated monthly forecasts.
You get clear answers
See what can be borrowed, whether the debt is serviceable, and how the deal should be structured to work in practice.
Built for funding events and acquisitions
Whether you are raising finance or buying a business, the goal is the same: understand the numbers before you commit.
Raising Finance
Find out how much your business can realistically borrow and prove that repayments remain affordable.
- Lender-ready forecasts
- Debt affordability testing
- Covenant compliance checks
- Clear borrowing limits
Buying a Business
Model the combined business, identify maximum safe borrowing, and structure the deal properly.
- Combined monthly forecasts
- Free cashflow analysis
- Maximum debt capacity
- Deferred consideration planning
Built to answer the only question that matters: will the bank lend?
Our model analyses historic performance, identifies underlying growth and seasonality, and produces a 60-month forecast. It then calculates borrowing capacity, tests lender covenants, and structures the deal to ensure it is financeable.
What the model is designed to show
- Maximum safe borrowing based on real cashflow
- Forecast cashflow over 60 months
- Interest cover and covenant compliance
- Debt and deferred consideration structure
- Combined forecasts for buyer and target company
Why this matters
Before approaching a lender or committing to an acquisition, you need to know whether the business can support the debt in practice — not just on paper. This model is built to give that answer clearly, early, and with lender-relevant outputs.
Simple pricing with premium positioning
Start with a one-off model for a live funding or acquisition event, or choose an evergreen version for ongoing planning and lender readiness.
Funding or Acquisition Model
One-off engagement tailored to your transaction.
- Tailored financial model
- Borrowing capacity analysis
- Repayment and covenant testing
- Deal structuring support
Evergreen Model
+ £750 setup
- Monthly API-driven updates from accounting software
- Rolling forecasts
- Live borrowing capacity tracking
- Always lender-ready
Why I Started Acquisitions Advisory
After nearly 40 years in lending, acquisitions, private equity-backed transactions and financial services leadership, I kept seeing the same problem.
Many good acquisition opportunities failed—not because the businesses were poor—but because buyers could not present a credible financial case to lenders and investors.
Too often, decisions were driven by generic forecasts and business plans that were never designed to survive lender scrutiny or transaction diligence.
By the time weaknesses became visible, buyers had already spent significant time and money on negotiation, due diligence and legal costs.
I created Acquisitions Advisory to change that.
Drawing on decades of transaction experience, I developed a structured acquisition modelling approach that helps buyers understand affordability, prepare lender-ready acquisition cases and make better decisions before significant cost is committed.
This is not about producing spreadsheets. It is about helping good acquisitions succeed through better preparation.
Frequently asked questions
Keep this section simple and practical so visitors can move quickly to a call.
Who is this for?
Small businesses seeking bank funding, buyers considering an acquisition, and advisors supporting those transactions.
What data do you need?
Usually 24 months of profit and loss data exported from your accounting system, plus transaction details for acquisitions.
Can this be updated monthly?
Yes. The evergreen model connects to your accounting system and refreshes your rolling forecast each month.
Do not go to a lender unprepared.
Know your numbers first. Use a model that shows what you can borrow, what you can afford, and whether the deal really works.