By preparing a business plan you start to anticipate these changes, but the key is in regularly revisiting and updating the plan. It should be a living document that is fluid, with a number of "what-if" scenarios, and a strategy for dealing with any number of situations.

Look at your business plan as a road map for the business journey ahead of you. A valuable tool not just for management, but for financers too, your business plan identifies your future requirement for working capital. Presented to your lenders in support of an overall financing facility, the plan demonstrates your foresight, market knowledge and sound business practice. Naturally, this is an area where we can be of tremendous value and assistance to you, in preparing:

• Business plans
• Cash flow forecasts
• Cash flow monitoring
• "What if" scenarios to reflect how changes in assumptions affect future results

By being "in the know" about your financial requirements and presenting regular updates to your bank, you'll benefit from a superior working relationship with your financer.

But what happens if that relationship deteriorates? Or you need to add another level of borrowing?

At EvansMartin we work with all the major banks, Business Development Corporation and alternative lenders to ensure we are aware of financing options, innovative programs and current trends. We can put you in touch with lenders who understand your business and your needs, to streamline your credit application process and generate the capital you require to move forward quickly.