Services
Financing
A request that is correct, with figures that preempt your funder's questions.
Funding stands or falls with your substantiation
Funders rarely decline because a plan is poor. They decline because the substantiation is not convincing: the forecast is too optimistic, the repayment capacity is not demonstrated, or the figures in the plan do not match the accounts. A request that falls apart halfway costs you months — and a second chance is not always available.
We ensure that you come to the table with a complete and credible dossier. We calculate what you can realistically bear, prepare the documents your funder needs, and ensure that everything aligns. This way, the conversation is about your plans, not about missing attachments.
Our approach
We start with your figures. How much do you need, for what purpose, and what can your business realistically repay? Based on that, we create a financial model with your forecast, your liquidity development, and a number of scenarios — including a cautious one, as that is what a funder asks for.
Then we prepare the application dossier: your business plan, the numerical substantiation, and the explanation of your history. We prepare you for the questions you can expect, and stay engaged until the application is completed. You have one fixed point of contact who already knows your accounts, so the figures do not need to be re-examined.
What do we offer?
- Determining your financing needs. We calculate how much you need and what your business can bear.
- Financial model and forecast. Multi-year budget, cash flow forecast and scenarios, built on your own figures.
- Business plan and justification. We write the plan and the financial explanation that your financier requires.
- Complete application file. All documents complete and aligned, so that no additional information is requested.
- Preparation for the conversation. We discuss with you what questions may arise and how you can substantiate them.
- Submitting and guiding. For many providers, we submit the application on your behalf and are your point of contact until the decision.
What does it yield?
You enter the conversation with confidence, knowing that your figures are correct and that you have answers to the questions that arise. You do not need to improvise about your forecast or your repayment capacity. And you know in advance what financing means for your monthly costs and your capacity, so you do not enter into something you will regret later.
Advantages
- A complete file. Your application contains what the financier needs, so that there are no delays due to missing documents.
- Figures that align. Your plan, forecast and administration tell the same story.
- Realistic forecast. We also calculate a cautious scenario, which increases your credibility.
- Less lead time. A well-prepared application is processed faster.
- One point of contact towards the financier. Questions and additions go through us, not through you.
Do you have a question?
Feel free to ask it. We will read along and you will receive a personal response within one working day.
Why Alvelion
We already know your figures, and that is the difference. Because we manage your administration, we do not need to reconstruct anything: your forecast comes directly from your own data and aligns with it. With many providers, we submit the application on your behalf, while we do not receive any compensation from them — you pay us, they do not. This way, we advise on the route that suits you. And your advisor remains involved after the financing, so you can see if the assumptions hold true.
Frequently asked questions
Here are some frequently asked questions and answers about financing.
Financing is the acquisition of resources to conduct or expand your business activities. This can be through a bank loan, a loan from a specialised provider such as Qredits, an investor, a grant, or a combination of these. The form that fits depends on your goal, your size, and what you can bear.
Because an application is primarily assessed on its justification, and that is work that a financier reads differently than you. We know which figures are required, how they should be structured, and what questions will arise. This increases your chances of a yes and shortens the processing time.
We take care of the justification and the complete application file, and guide you through the process. With many banks and lenders, we act as an intermediary for business financing: we submit the application on your behalf and are your point of contact during the process. You can also submit the application yourself at your own bank. Which route you choose remains your decision.
We do not receive any compensation from banks or other lenders. You pay us for our work, no one else. Therefore, we advise you on the form that suits your business, not on the product from which we earn.
That depends on your situation. For smaller amounts and start-up businesses, Qredits is often a good route; for larger investments, usually your own bank. We map out the options with the associated conditions, so you can make an informed choice.
The preparation of the file usually takes a few weeks, depending on how complete your administration is. The processing by the financier follows and varies by party. A well-prepared application is generally processed faster in practice, as there are fewer requests for additional information.
Then we will look at why. Sometimes it depends on the chosen form or the party and you can go elsewhere. Sometimes your business is not ready for it yet, and it is wiser to first work on your figures. We are honest about that: pushing through an application that is not sustainable does not help you.