Why You Need Financial Analysis

Not everyone is eligible for a loan unless they meet the lending criteria provided by the specific lending institution.

The lending guidelines are specific to a lending institution and can be based on the maximum and minimum loan offers extended by the lender, associated fees, late-payment penalties, schedules, interest rates payable, and amount of loan based on the collateral provided. The guidelines also outline loan security measures and procedures laid out by the institution. Loan procedures may include disbursement steps, loan application guidelines, loan collection guidelines, loan supervision, loan approval, and review procedures.
When conducting a loan analysis on a potential client, we analyse his business plan to determine the project financial capability and its ability to honor the loan obligations without strain.

The only thing businesses can count on is that things will continually change. Change happens fast and can be unpredictable. With financial analysis, our goal is to look forward and be proactive in preparing for changes in the business. Analysts monitor progress by setting up benchmarks and key performance indicators to ensure your business is tracking the way it should. Catch potential issues with the right analysis before they become full-blown crises, and make the ever-changing world of business a bit more predictable. Profit when you work with one of our talented financial analysts.

When properly analyzing things like cost of goods, pricing, profit margin, and marketing ROI by channel, a financial analyst can drill into what’s working and what’s not to make sure you are getting the most out of your business’ resources. The analytical horsepower required in any company is immense. And for many businesses, this strategic edge is lagging behind. Without a solid financial analyst, numbers blend together and become a meaningless sea of data. But an expert analyst will be able to look at those numbers and use them to make decisions. Building a successful business is hard enough. Make it easier by discovering, evaluating, and correcting areas of waste or underutilization.

Business growth can challenging, but fortunately for every business, it comes down to a numbers game. Every business has a way of generating leads, converting leads to revenue, and delivering value to customers after a sale. How efficiently you do these things determines your ability to grow. Our internal financial consultants match you to a financial analyst with experience in your specific industry with deep experience in building projections. You don’t have to reinvent the wheel. Break down your business into a data-driven process and constantly track your KPIs to make sure you are growing the way you should.

One problem many businesses have is that they are constantly looking backwards. Budgets and forecasts are created, but are only evaluated at the end of a quarter—or even at the end of the year. That’s not fast enough or proactive enough. With the proper financial analysis, you should be creating a budget forecast for your business. This gives you parameters and targets to make sure your business reaches its goals. Then your financial analyst can provide a budget-variance report to constantly track how you are doing versus your projections. If you are off track, you will know immediately and will be able to take action to fix the issue. Become forward-looking. Gain control of your business. Create the results you want and catch problems early.

Loan Analysis

Loan analysis is an evaluation method that determines if loans are made on feasible terms and if potential borrowers can and are willing to pay back the loan.

Key Performance Indicator (KPI) Tracking

Determine the KPIs that drive your company’s success and then implement processes and tools to track them

Budget Forecasting

Objectively measure success by projecting revenue, expenses, and the resulting profitability goals

Budget Variance

Track the difference between expected (“budgeted”) expenses/revenue and the actual amount


Intuitively evaluate and track your KPIs through a data visualization tool

Feasability Studies

PHB Capital provides teams to study proposed projects, analyze the projects for potential economic success, and recommends the projects for financing based on established criteria.

Financial Modeling

Establish a dynamic financial tool that reflects your business, then use it to evaluate scenarios and plan the best path forward

Pricing Analyses

Optimize your pricing to improve margins, surpass the competition, and drive growth

Business Plan Preparation

Preparation of business plans from basic to very detailed for all projects whether simple or complex. Plans are prepared to meet the requirements of any lender or venture capitalist.

Labor Cost Management

Understand the fully-burdened cost of each employee, and know when you are in the position to hire

Investor Reporting

Paint an accurate and insightful picture of your business to debt and equity stakeholders