independent financial adviser Newton Abbot
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independent financial adviser Newton Abbot
New Businesses

Our firm can help you to start your new business or expand your existing business. David Hedge have successfully run his own businesses outside financial services and knows some of the difficulties and potential pitfalls, and more importantly, appreciate the sheer hard work needed to establish a successful enterprise. WE KNOW, because we’ve been there!

New businesses need finance and to obtain this on the best terms we can produce a professional business plan to present to lenders. The business plan demonstrates the potential viability of the proposal to the lender. Perhaps more crucially, the business plan helps to provide you with the assurance that project you are proposing can be profitable.

Preparation of the business plan should also highlight any potential pitfalls, and how these would be overcome or avoided. By having an external examination of your plans, omissions and errors that might jeopardise the enterprise might be avoided. Careful consideration should also calculate the level of borrowing and type of financing that will be needed in the early years.

We assist the self-employed, partnerships and limited companies, and can advise you of the most appropriate structure for your business.

Existing Businesses

Many businesses wish to expand.

To do this, finance is generally required, and various options are available:

Banks are the traditional providers of business finance. The bank will assess the risk involved and the security offered and set their interest rate and other terms accordingly.

To assess this properly, they need a clear and rational explanation of what the money will be used for. We can often interpret your ideas most effectively, perhaps vetting the application prior to submission and providing advice based on our experience.

Generally the best terms can be obtained from your existing bankers, but occasionally another lender can offer more flexible or even cheaper terms.

Where security is insufficient for a bank to lend, use might be made of the Department of Trade and Industry’s Loan Guarantee Scheme.  We have arranged finance for a number of businesses on this basis.

Outside Investors

Occasionally finance is needed for projects that are too risky for a bank’s consideration, or the security the bank requires is insufficient. External investors can use the tax advantages of Enterprise Investment Schemes (EIS) to their benefit, and yours. We have successfully arranged finance under the Scheme for a number of companies and investors.

Larger companies requiring development capital may benefit from external investors within a Venture Capital Trust (VCT), and we have links to a number of VCT managers.
Whatever your needs, our team is here to help and advise.
Hedgelands Financial Services, Hedgelands, Abbotskerswell, Newton Abbot, TQ12 5PW
Some of the corporate services we offer may fall outside of FCA regulations.
Registered in England No. 4694508.  Registered Office 32 Monk Street, Abergavenny, Monmouthshire, NP7 5NW
Hedgelands Financial Services Ltd is authorised and regulated by the Financial Conduct Authority, FCA Registration Number 624282. Sitemap
Hedgelands Financial Services
Newton Abbot
Devon   TQ12 5PW



01626 360654

General Insurance:

01626 438184

Independent Financial Adviser
independent financial adviser Newton Abbot
independent financial adviser Newton Abbot independent financial adviser Newton Abbot