Member’s Dashboard My Account *General Assessment - NEW LOOK (Live on Site) Completed by: * First Name Text * Last Name Email * Please note, to save and continue later go to the end of the assessment. Balance Sheet How is your business funded between shareholder funding (e.g. share capital, reserves and interest free shareholder loans) and interest bearing debt funding (e.g. overdraft, term loans from banks, bond finance, debtor financing)? * By far the majority (80% or more) of our funding is from shareholders Most (60% to 80% or more) of our funding is from shareholders, with the balance (between 20% and 40% being debt funding Our business funding is fairly evenly balanced between shareholder funding and debt funding, with 40% to 60% funding from shareholders Most (60% to 80% or more) of our funding is from interest bearing debt (borrowing) with the balance (between 20% and 40% being funding from shareholders By far the majority (80% or more) of our funding is from debt funding, with less than 20% of funding from sahreholders How capital intensive is your business - i.e. does your business invest significantly in fixed assets (e.g. land/buildings, plant/equipment, machinery, vehicles, IT infrastructure)? * Extremely. Our business and industry is VERY capital intensive (e.g. we have massive investments in fixed property/buildings/premises, plant and equipment and general operating assets Fairly. Our business and industry has reasonable investments in equipment, vehicles, equipment and general operating assets Not very. We don't have massive capital needs (e.g. don't invest that much in equipment, vehicles and general operating assets Not at all. We hardly require any capital as we hardly require any plant and equipment, vehicles and infrastructure Is your business adequately funded whether by capital, shareholder’s loans or credit lines and do you have the financial resources, cash flow and/or commitment from funders to sustain business operations, meet obligations and support growth? * Definitely not. Our cash resources are very limited, our cash flow is very tight and we don't generally have the cash on hand or readily available credit facilities. In short, we desperately need our weekly cash flow to survive. Every month is a struggle. No, while we are trying to manage the business from within the limited cash resources available, our financial position remains weak. We regularly receive letters of demand and/or have had a few credit judgements against us in the past and this will severely hamper our ability to get further credit or raise funding if needed. Somewhat. Our cash flow is quite tight, but we don't desperately need our daily or weekly cash flow at present. We have limited formalised funding and/or credit facilities available. Yes, to a degree. While we have formalised funding or credit lines in place, our business is currently sufficiently profitable and it should be relatively easy for us to raise additional capital or funding should the need arise. Yes, largely. Cash flow is not currently an issue. We have adequate funding alternatives in place, should we be faced with some issues eg. sales and profit margins coming under pressure. Yes, absolutely. Our business has very strong cash flow and is adequately funded. Our shareholders are in a position to inject further capital should this be needed to ensure the business remains a going concern, is able to sustain operations, support its growth and meet any unexpected emergencies. What is the nature of your shareholder funding? * Share capital and significant reserves only Share capital and a fair level of reserves only Share capital and very limited reserves only A balance of share capital/reserves and shareholder loans Mainly shareholder loans with minimal capital/reserves Are your shareholders willing and able to provide additional capital (equity and/ or loans) if required? * Yes absolutely. They are fully committed to our business and have the resources to capitalise the business well into the future Yes, to a large extent. Our shareholders are supportive of the business and the strategy, but do not have limited financial resources To a degree. Our shareholders are largely supportive but have very limited capital resources No, not really.Our shareholders support is limited as requests will be evaluated and are limited by their own financial constraints. No. Not at all. Our shareholders are not willing to provide further funding Would your shareholders be willing to allow new shareholders to enter the business? * Yes No I don't know Have shareholders subordinated their loans? * Yes No I don't know How important is supplier finance to your business/organisation? * Critical. We rely very heavily on our suppliers granting us payment terms. We probably couldn't function without payment terms from suppliers. Very. Having access to payment terms allows us to operate. Fairly. We do require payment terms from suppliers, as it gives us the "funding" to produce products and services, and to largely fund our debtors. Not Really. Supplier finance forms a small part of our funding requirements. Not at all. Do you have any significant/material liabilities or contractual obligations due or potentially likely to fall due for payment in the foreseeable future e.g. maturing debt, loans, obligations, financial lease settlements, payment guarantees, letters of credit, forex contracts etc? * Yes - very significant amounts which will put us under strain. We might need further funding to meet these. Yes- significant but which we will hopefully be able to meet from our own resources and existing funding. Not really sure how significant. Hopefully we will be able to meet these from within our own resources. No, not significant or material. These will be comfortably met by us from within our own resources. Do you have any contingent liabilities due or potentially likely to fall due in the foreseeable future e.g. claims/damages, tax claims, performance guarantees, lease obligations, guarantees/suretyships, derivatives, off balance sheet liabilities etc.? * Yes Not really sure/none we know of No Do you have or could you readily get the funding required to settle any liabilities and/or potential liabilities your organisation might have? * Yes we could settle these easily/quite easily from cash or other resources, credit lines, available finance, or the sale of assets. Yes to a degree. We would be able to settle the majority of our liabilities but we have some limitations. We don't have ready access to resources (e.g cash or funding) and would have to raise this and/or would have to sell assets. No. We don't have the resources and would probably have to sell assets below market value or try to negotiate settlement terms. No. We would have very limited ability to settle these. No, not at all. We are not in a position to settle any of our liabilities at this point in time. Next
