Financial health check
We review your accounts, management figures, cash flow and existing borrowing, and tell you plainly where the business stands.
Business consultancy
Business consultancy from someone who's been the bank
We work alongside business owners to understand where the business really stands, restructure borrowing that no longer fits, and plan how to fund the next stage of growth.
What we do
Like having a finance director on call
Most owner-managed businesses can't justify a full-time finance director. We give you that experience when you need it, from a one-off review to ongoing support.
Restructuring your borrowing
Overdrafts, short-term loans and expensive facilities reorganised into a structure the business can afford and lenders are comfortable with.
Cash flow and working capital
Find where cash gets tied up, whether in stock, customer debts or supplier terms, and how to release it.
Funding plan for growth
Decide what to borrow, when, and in what form, so expansion, new premises or an acquisition is funded properly from the start.
Getting lender-ready
Accounts, forecasts and the story behind them prepared the way a credit committee wants to read them, before you apply.
Working alongside you
Regular reviews with you and your accountant, a sounding board on financial decisions, and support in meetings with your bank.
Who we work with
- Owner-managed businesses without a finance director
- Businesses that have grown quickly and outgrown their borrowing
- Companies planning expansion, new premises or an acquisition
- Importers, wholesalers and manufacturers with cash tied up in stock
- Property investors with borrowing spread across several lenders
Signs it's time to talk
- Sales are good but cash is always tight
- Borrowing is spread across several lenders and products
- A facility is up for renewal or the bank is asking difficult questions
- You've been turned down for finance and don't know why
- You're not sure how much the business can safely borrow
How it works
From first conversation to a stronger business
A confidential first conversation
Free and without obligation. Tell us about the business, the pressures and where you want to get to.
We review the position
We go through your accounts, management figures, borrowing and cash flow, and meet your accountant if helpful.
A clear written plan
Our findings and recommendations in plain English, in order of priority, with any fee agreed before further work.
We work alongside you
We help put the plan into action, approach lenders where needed and review progress with you regularly.
Confidential by default
Your figures stay private
Moinuddin Durrani spent 40 years in banking, much of it assessing and structuring finance for business customers. Since founding MDM he has worked with a number of businesses to review their finances, restructure their borrowing and plan their growth.
That work is confidential, so we don't name clients or publish their figures. If you'd like to know the kind of businesses we've helped, we're happy to talk you through examples in a meeting without identifying anyone.
- No client names publishedEver. Your business is your business.
- Confidentiality agreementSigned before you share any figures, if you'd like one.
- Your information, your controlNothing goes to a lender without your agreement.
- First meeting freeAny fee agreed in writing before chargeable work.
Questions
Business consultancy FAQs
What does a business finance consultant do?
A business finance consultant looks at how a business is funded and how its money moves, then helps the owners make better decisions. That includes reviewing accounts and borrowing, restructuring finance that no longer fits, improving cash flow and planning how to fund growth.
How is this different from what my accountant does?
Your accountant prepares your accounts and handles tax and compliance. We focus on funding: how the business borrows, how lenders see it and how to plan finance for the future. We work alongside your accountant, not instead of them.
How much does it cost?
The first conversation is free. If you want us to carry out a review or work with you on an ongoing basis, we agree the fee with you in writing before any chargeable work starts. If we later arrange finance for you, we will tell you about any commission we receive from the lender.
Is everything kept confidential?
Yes. We never name clients or publish their figures, and we are happy to sign a confidentiality agreement before you share any information.
Can you help if the bank is putting pressure on us?
Often, yes, and the earlier you talk to us the more options there usually are. We can review the position, help you prepare for conversations with the bank and look at refinancing. If a business needs formal insolvency or legal advice, we will say so and point you to the right professional.
We are not accountants, auditors, tax advisers or insolvency practitioners, and we work alongside your own professional advisers. Our advice relates to business and commercial finance only.
When you're ready to borrow
Finance we can arrange
Commercial finance
Business loans, revolving credit and invoice finance.
Find out moreCommercial mortgages
Owner-occupied and investment property finance.
Find out moreTrade finance
Letters of credit, import loans and stock finance.
Find out moreWant a clear view of where your business stands?
A confidential first conversation, free and without obligation.