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Making informed lending decisions starts with understanding the financial health of the business in front of you.

Our Financial Health Checks provide lenders, funders and stakeholders with an independent assessment of a company’s financial resilience, helping identify emerging risks, highlight strengths and provide greater confidence when making commercial decisions.

Independent Commercial Insight

Every business performs differently, even when the financial results appear similar.
 
Our Business Performance Reviews combine financial analysis with operational and commercial insight, helping lenders understand how a business is performing, what’s influencing results and where improvements could strengthen resilience.
 
Every review is tailored to the objectives of the instruction, providing practical recommendations rather than simply reporting the facts.

When a Financial Health Check Adds Value

A Financial Health Check can support lending decisions, portfolio management and ongoing customer relationships by providing an independent view of a business’s financial position. 
 
They are often commissioned when: 

     

  • Monitoring existing lending relationships.  
  • Reviewing a customer’s financial resilience.  
  • Identifying early signs of financial pressure.  
  • Assessing requests for additional lending.  
  • Supporting portfolio reviews.  
  • Providing independent financial insight to stakeholders.  

 
The earlier potential issues are identified, the more options are often available. 

Testimonials

Our clients value our honest advice, commercial approach and practical support. Explore their testimonials to learn how we've helped businesses navigate complex financial situations with confidence.

One of CY's biggest strengths is its people. The technical expertise is there, but it's delivered in a way that's approachable and commercial rather than overly corporate. Senior people are accessible, decisions are made quickly and you always feel you're dealing with a team that's invested in getting the best result.

CY Advisory Services

Independent Business Reviews (IBR) Learn more
Cashflow Forecasting Learn more
Business Performance Reviews Learn more
Members Voluntary Liquidations (MVL) Learn more
Financial Health Checks Learn more
Strategic Business Advice Learn more

Let's Start with a Conversation?

Whether you're reviewing an existing customer, considering additional lending or simply want an independent assessment of a business's financial resilience, we're here to help. Practical advice. Commercial insight. Independent thinking.

Practical advice