SME lending expert

Completing Bank Submissions

We will work with your company to acquire all the necessary information to prepare the bank loan proposal. We will evaluate your proposal to ensure it is bankable and therefore has a high opportunity of being successful. We will ensure that your business proposal meets all the standard bank covenants such as interest cover, debt to equity and debt service cover.

Bank Negotiations

We will work with you and your existing banker to obtain a successful outcome for your company. If necessary we will submit the proposal to other bankers with the aim of achieving a positive decision. We will accompany you to the bank meeting and with our banking expertise you can be confident that all the right questions will be asked. We will negotiate the security requirements, the interest margin and your bank negotiation fees. We will review the letter of offer from the bank and evaluate all terms and conditions before you sign. We will work closely with your company and the bank to ensure a speedy draw down of the loan.

Planning future borrowing requirements

Many firms leave it very late to approach their bank for loans and working capital finance. This leads to a fire fighting approach which does not result in the best loan application. If a company allows their cash flow to disappear this can damage the relationship between them and their bank. One should be conscious of missing loan repayments or allowing a situation where the business overdraft is always at its limit as this can cause problems when seeking finance further down the line. While many companies do have a positive cash flow they fail to adequately plan for future borrowing requirements which is essential if the aim is to continue to grow and expand their business. Such companies would benefit from the CEO/Directors giving some consideration to what finance they may require in the immediate future. By adopting a forward thinking approach it ensures that the bank is approached for finance in a timely manner. We know in today’s fast paced business world where companies are faced with demanding deadlines and clients financial planning can often be an afterthought leading to an approach that is more reactive than proactive. Let us take the pressure off; we are prepared to do this planning for you and to ensure that you are well equipped to deal with any further financial borrowing in a methodical and timely manner.

About Denis

Denis has over forty years experience in the banking sector. In his last position as Regional Business Manager with Bank of Ireland he led and managed a team of 12 Business Managers. As a key representative for the bank in the Mid West Region (including Limerick, Shannon, Clare, Kerry and North Tipperary); he was responsible for ensuring the quality of the applications submitted to credit committee, negotiating with the credit committee on complex cases and ensuring a satisfactory outcome was achieved for clients. The main focus of his role was to generate business, increase the BOI business banking market share in the region and oversee all lending.

  • Member of the Institute of Banking (IOB)

  • Master of Business Administration (MBA) degree from University of Limerick

  • Winner of the Commercial Branch of the year 2008-94; O'Connell St Branch, Limerick

    Winner of Commercial Branch of the year 2003- 94; O'Connell St Branch, Limerick

    Winner of Commercial Branch of the year 2000; Shannon Branch

  • Involved with the Lismullin leadership Forum. The Forum runs a number of seminars every year and the aim is to help people develop their leadership skills, with a particular emphasis on the areas of professional integrity and ethics in business


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