Retail Finance

Retail Finance

Here at Consultas, we have extensive experience in dealing in the retail grocery sector. We negotiate with banks and financial institutions to secure the best terms for your loan. Retail finance is our strong point.

We recognise the significance of the retail sector to the UK economy, we will work along side your business to ensure objectives and targets are achieved.

From a single property to multi unit businesses, Consultas can support all your financial needs including:

  • Cashflow requirements
  • Equipment financing
  • Unit revamps to new store acquisitions

Consultas Financial Services has access to a select number of financial providers throughout the UK. We provide expert advice and services to raise the appropriate level of finance, helping you achieve your business property objectives.

Consultas has the expertise to secure flexible and competitive credit facilities.

Why Cash is King in Retail

Consultas Financial Services

Cash flow is the amount of money flowing through your business each month. Often, retailers need working capital, in the form of a loan or line of credit, to cover shortages in cash flow – especially during the slow seasons each year. But, if you manage your cash flow correctly, then you will not need this.

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Often, retailers need working capital, in the form of a loan or line of credit, to cover shortages in cash flow – especially during the slow seasons each year. But, if you manage your cash flow correctly, then you will not need this.

The biggest drain on your cash flow is inventory. Since your rent and utilities are fixed costs, it’s easy to predict or plan for these. But when it comes to inventory, it’s much harder to predict what will sell and what will not sell when you buy for your store. The fact is, most retail stores have a turnover in its inventory that is slower than the due date of the bill. In other words, if you buy 12 hammers today and only sell 4 per month, you will have to pay for 8 of the hammers before you have even sold them.

It takes cash out of your bank account even before the sales go in. This bad management will result in markdowns on the hammers just to get the revenue coming in.

For advice on how to finance your business, feel free to contact us today.

Niall Kavanagh: niall@consultas.uk | Connell Porter: connell@consultas.uk

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