Services & Fees
Clear deliverables. Practical expertise. Fees agreed upfront.
Whether you need a stronger financial model, a clearer business plan, a better understanding of commercial risks or support through a period of change, Charter HCP provides focused business consultancy built around the work you need.
Commission a specific service or bring related work together in one agreed project. We explain the deliverables, scope and fee before you commit.
Straightforward funding
No upfront Charter advisory fee on qualifying straightforward bridging and mezzanine transactions.
Complex funding and preparation
An agreed upfront fee where the mandate requires additional work, bespoke structuring or substantial work against a less certain funding outcome.
Standalone business services
Separately scoped projects, such as financial modelling, business valuation, documentation and commercial analysis.
Funding fees
Our fee basis reflects the work your transaction needs. Straightforward bridging and mezzanine cases can proceed without an upfront Charter advisory fee. Where substantial assessment, preparation or structuring is needed, we agree a fee for that work at the outset.
| Transaction | Upfront fee approach | Typical circumstances |
|---|---|---|
| Straightforward bridging | No upfront Charter advisory fee, subject to review | Clear security, a realistic funding requirement, a credible repayment or exit route and no material restructuring requirement. |
| Relatively straightforward mezzanine finance | No upfront Charter advisory fee, subject to review | A clear capital structure, understandable senior debt arrangements and a credible repayment or exit route, without significant bespoke restructuring. |
| Early-stage businesses seeking a substantial capital raise | Upfront advisory or preparation fee quoted for the agreed scope | Assessing the proposition, developing financial information and preparing the business for funding discussions within our permitted scope. |
| Businesses with defaults, arrears, excessive debt or significant structural issues | Upfront fee quoted for the agreed work | Assessment, preparation or restructuring before the transaction can be properly considered. |
| Transactions requiring substantial financial-information preparation or additional services | Separately scoped fees | The relevant work and total engagement are set out in writing. |
The product name alone does not determine the fee. A bridging or mezzanine transaction needing substantial additional work may fall into the paid-preparation category. We explain the scope and fee before you agree to that work.
No upfront Charter advisory fee does not mean the transaction is cost-free. Any completion fee, lender charges, interest, legal fees, valuation fees and other agreed costs will be explained as applicable. Some third-party costs may arise before completion.
The right work, properly resourced.
Some transactions are ready to be presented. Others need significant work before a funding provider can assess them properly.
That work may include understanding the financial position, testing assumptions, addressing gaps in the information, reviewing the structure and preparing the supporting materials. It requires time and experienced input before any funding decision is made.
Where that work is substantial and the outcome is less certain, we charge an agreed advisory fee so we can commit the resources the assignment needs. The fee pays for the agreed work; it does not guarantee funding.
We will be clear about material obstacles and whether we see a credible route forward. If we believe the proposed approach is unrealistic, we will explain why. You can then decide whether to proceed with the proposed scope.
Services and guide fees
Each service below is a defined deliverable with a guide fee shown before VAT. Starting prices relate to a standard assignment; more involved requirements receive an individual quotation.
Business plans & transaction preparation
Funding-readiness review
Understand the preparation, evidence and commercial issues that need attention before approaching funding providers.
Business plan and commercial proposal
Turn the business story into a clear commercial plan supported by relevant information.
Information memorandum
Bring the business, financial information and proposed transaction together in a structured document. This is document preparation; it does not include regulated investment recommendations, approval of financial promotions or unrestricted distribution to investors.
Stakeholder or lender presentation
Give your audience a focused explanation of the business, the numbers and the decision you are asking them to consider.
Data-room organisation and document-gap review
Create an organised information set and identify the documents still required.
Due diligence & business valuation
Focused commercial and financial due diligence
Understand the financial and commercial issues that deserve attention before your business takes its next step. The scope and extent of verification are agreed; this is not a statutory audit, assurance opinion or recommendation to invest.
Commercial counterparty research
Review relevant information about a business and its principals, with sourced findings and clear limitations.
Business valuation report
Understand the commercial drivers of business value, the supporting assumptions and the factors that could change the assessment.
*The fee relates to a defined standard assignment. The scope, valuation date, intended users and permitted use are confirmed in writing before instruction.
A business valuation is prepared for the commercial purpose, valuation date and intended users agreed in writing. The engagement sets out the methods, assumptions, permitted use, reliance terms and applicable insurance position. It is not a guarantee of a sale price or an investment recommendation. Requirements for lending, tax, statutory reporting, litigation or third-party reliance must be identified before instruction.
Financial modelling & cash flow
Financial model and forward cash flow
Understand how the business performs, what cash it needs and how changing assumptions affect the plan.
Existing model review and scenario analysis
Identify significant assumptions and calculation issues before relying on an existing model.
Short-term cash flow and working-capital review
Understand the next 13 weeks of cash movements and where working capital needs attention.
Financial-information and funding-pack review
Identify missing information, inconsistencies and unexplained differences in your existing pack.
Strategy & business support
Strategic business review and growth planning
Set clearer commercial priorities and a practical plan for the next stage of the business.
Turnaround and restructuring preparation
Bring the cash position, business pressures and practical next steps into one clear action plan. This is distinct from formal insolvency appointments, legal advice, regulated debt counselling or regulated investment advice.
Board pack and management-reporting setup
Turn existing management information into a clear, repeatable reporting pack. Includes the first reporting period.
Monthly reporting updates
Keep the agreed reporting pack current, with commentary on the movements that matter.
Business project and adviser coordination
Keep agreed workstreams, documents and adviser actions moving together. Includes up to 15 consultant hours per month.
Ongoing business consultancy
Access regular senior commercial input as the business plans, grows or works through change. Includes up to 15 senior-adviser hours per month.
Guide fees are shown before VAT. VAT treatment and any agreed expenses are confirmed in your written quotation.
Not sure which service fits? Tell us the decision you need to make or the work you need completed. We will recommend an appropriate scope and set out the fee before you proceed.
Combine related work into one project
Funding Preparation Package
from £6,500
Bring the financial model, business plan and preparation priorities together.
- Funding-readiness review.
- Financial model and forward cash flow.
- Business plan and commercial proposal.
For one business and a coordinated assignment. Any wider funding mandate is separately agreed.
Transaction Materials Package
from £8,500
Present a consistent set of numbers, a structured memorandum and a focused presentation.
- Financial model and forward cash flow.
- Information memorandum.
- Stakeholder or lender presentation.
This package covers preparation of the agreed materials. Distribution, introductions, regulated services and funding execution are outside its scope.
Valuation and Forecast Package
from £11,000*
Bring valuation analysis and forward financial assumptions into one coordinated assignment.
- Business valuation report.
- Financial model and forward cash flow.
For one business and an agreed commercial purpose. The valuation's scope and permitted use are agreed before instruction.
Clear scope. A clear choice.
Starting prices relate to a defined standard assignment. More involved requirements receive an individual quotation.
You can commission these services without appointing us to arrange funding. If you already have a mandate with Charter HCP, your written engagement determines what is included. Additional work is separately quoted and agreed before it starts.
A service fee pays for the agreed work. It does not guarantee funding or that a transaction will complete.
For qualifying straightforward bridging and mezzanine transactions, there is no upfront Charter advisory fee. Any agreed completion fee, lender charges, interest and professional costs are separate.
Business valuation scope*
A business valuation is prepared for the commercial purpose, valuation date and intended users agreed in writing. The engagement sets out the methods, assumptions, permitted use, reliance terms and applicable insurance position.
It is not a guarantee of a sale price or an investment recommendation. Requirements for lending, tax, statutory reporting, litigation or third-party reliance must be identified before instruction.
For suitable transactions, we can also consider whether direct lending using Charter's own balance-sheet capital or warehouse line is an option, alongside introductions to third-party lenders. This is selective and subject to the transaction being within scope, satisfactory assessment, approvals, documentation and capital availability. Paying an advisory fee does not secure access to capital or guarantee approval.
What you agree before work begins
Tell us what you need
Share your requirement and what you are trying to achieve.
We assess and explain
We assess the requirement and explain any material issues.
We propose scope and fee
We set out the proposed scope, deliverables and fee basis.
You decide
You decide whether to proceed.
The written proposal will identify, as relevant:
- The work and deliverables included.
- The fee and payment stages.
- Any additional completion fee.
- Separately commissioned services and agreed external costs.
- VAT treatment.
- The intended users and permitted use of reports.
- Any refund or fee-crediting provisions in the engagement terms.
Frequently asked questions
Tell us what your business needs
Charter HCP provides non-regulated business consultancy and transaction support for businesses and professional counterparties. Each engagement is assessed for scope.