Question 1

What does Charter HCP do?

Accepted Answer

Charter HCP provides non-regulated corporate-finance advisory, transaction-support, due-diligence and introduction services to businesses and professional counterparties. The exact role and scope are set out in the engagement documentation.

Question 2

Is Charter HCP a lender or investor?

Accepted Answer

Charter HCP's primary role is adviser and introducer, and it should not be assumed to be the lender, investor, underwriter or credit decision-maker on a transaction. In limited circumstances, and with each transaction considered separately following legal and regulatory assessment, Charter HCP may use its own balance-sheet capital or warehouse line to lend to or invest directly in a business for its own account, where the transaction is for genuine business purposes and falls outside regulated financial services. It invests or lends only its own capital and does not hold or manage third-party investor money. Any such direct funding is discretionary, is not offered to consumers or the public, and is never guaranteed. Where Charter HCP or a related entity acts in another capacity, the relevant legal entity and role will be stated expressly in writing.

Question 3

Is Charter HCP FCA authorised?

Accepted Answer

Charter HCP Limited is not authorised by the Financial Conduct Authority to carry on regulated activities. It does not accept deposits, manage money on behalf of investors, operate an investment fund or collective investment scheme, provide regulated investment advice, arrange regulated mortgage contracts, or undertake regulated consumer-credit activity. Charter HCP only provides a service where the relevant activity has been assessed as outside the regulatory perimeter, lawfully exempt or excluded, or covered by any registration or permission actually held.

Question 4

Who are the services for?

Accepted Answer

The services are intended for businesses and professional counterparties. Charter HCP does not present its general corporate-finance services as retail financial advice.

Question 5

Can Charter HCP guarantee funding?

Accepted Answer

No. Funding availability, pricing, conditions, approval and completion are determined by the relevant lender, investor or counterparty after its own assessment and are never guaranteed.

Question 6

What information is needed for an initial assessment?

Accepted Answer

A useful initial summary identifies the legal entity, ownership, amount and purpose, historic performance, current debt, repayment or return, security, sponsor contribution, timing and known issues. Sensitive documents should be supplied only through an approved secure route.

Question 7

What is due diligence?

Accepted Answer

Due diligence is an evidence-led review of the company, transaction, financial position, commercial plan, model, assets, liabilities, contracts and material risks. Its scope varies by engagement and does not replace legal, tax, accounting, valuation, regulatory or technical advice.

Question 8

Does completing due diligence mean funding will follow?

Accepted Answer

No. It means only that the review has reached the stage specified for the engagement, subject to recorded assumptions, limitations and unresolved matters. A third party remains free to decline or change terms.

Question 9

What is the difference between indicative terms and an offer?

Accepted Answer

Indicative terms describe a possible structure based on assumptions and are usually non-binding. A written offer is more advanced but may still be subject to conditions, legal documentation, valuation, security and final checks.

Question 10

How long does the process take?

Accepted Answer

Timing depends on the scope, transaction complexity, responsiveness of the parties and quality of the information. Any stated target is an estimate rather than a guarantee and may pause if material information is missing or revised.

Question 11

Why is ownership and identity information requested?

Accepted Answer

It helps establish the legal entity, authority, ownership and control, assess risk and meet the requirements that apply to the organisations involved. The exact documents and legal basis vary by transaction and role.

Question 12

How does Charter HCP choose counterparties to approach?

Accepted Answer

Where introductions are within scope, Charter HCP considers the structure, amount, sector, jurisdiction, stage, security, return or repayment profile and the current criteria of potential counterparties. An introduction does not imply interest or approval.

Question 13

Does Charter HCP give legal, tax or investment advice?

Accepted Answer

No. Charter HCP's corporate-finance and transaction-support work does not replace independent legal, tax, accounting, regulatory, investment, valuation or other specialist advice.

Question 14

May Charter HCP receive fees or commissions?

Accepted Answer

Charter HCP may receive fees or commissions where agreed. The applicable arrangement, payer and basis should be stated in the engagement or transaction documentation as appropriate.

Frequently asked questions

Still have a question?