Services
Raising Finance
From equity funding to peer-to-peer loans — Philip Barnes & Co help Staffordshire businesses find the right finance and prepare a compelling case to secure it.
What we do
Need finance to grow your business?
Raising finance is one of the most consequential decisions a business owner makes. The wrong structure can cost you equity, flexibility, or tax efficiency — sometimes all three.
Philip Barnes & Co advise on the full range of business finance options, explaining the advantages and disadvantages of each source so you can make an informed choice. Whether you are a start-up seeking initial capital or an established firm looking to fund expansion, the team helps you identify the most appropriate route.
The firm's start-up advisory service covers company structure selection — sole trader, partnership, limited company, or LLP — alongside VAT registration, accounting systems, business plan preparation, and break-even analysis. These foundations matter before any lender or investor looks at your numbers.
Once the right finance route is identified, Philip Barnes & Co help prepare the applications, financial projections, and supporting documents that lenders and investors expect to see.
Finance options we cover
Three routes to the capital you need
Every business is different. The right funding mix depends on your stage, sector, risk appetite, and how much control you want to retain. Philip Barnes & Co walk through each category with you before any application is made.
Share issue, share sale, venture capital, and private equity. Equity finance brings in capital without creating a repayment obligation — but it dilutes ownership. The firm helps you weigh that trade-off and structure any share issue correctly for tax purposes.
Overdraft, term loan, commercial finance and factoring, and commercial mortgage. Bank lending remains the most common route for established businesses. Philip Barnes & Co help you present your accounts and forecasts in the format lenders require — and advise on which product fits your cash-flow profile.
Hire purchase, finance lease, operating lease, and peer-to-peer loans. Asset finance and P2P lending have grown significantly as alternatives to traditional bank products. The firm explains the accounting and tax treatment of each — which affects your balance sheet and your tax bill in ways that are easy to overlook.
Lender introductions & applications
Introductions to trusted lenders and investors
Knowing which product is right is only half the work. Getting a lender or investor to say yes requires well-prepared documentation — and, often, a warm introduction from an adviser they already trust.
Philip Barnes & Co have longstanding relationships with lenders and investors and can make introductions on your behalf. The firm helps you prepare the business plan, financial projections, break-even analysis, and supporting evidence that underpin a strong application.
The team also manages the accounting and tax implications of whichever route you choose. Raising finance changes your balance sheet, your cash-flow position, and in some cases your tax liabilities — getting that right from the outset avoids costly corrections later.
Based at The Old Council Chambers, Halford Street, Tamworth, Philip Barnes & Co are ICAEW Chartered Accountants serving businesses across Staffordshire. Call 01827 60033 to discuss your finance requirements.
How it works
From first conversation to funds in place
Free 30-minute consultation
We discuss your growth plans, the amount you need, and your appetite for equity dilution versus debt repayment — no obligation, no jargon.
Review your current position
We look at your accounts, cash flow, and company structure to identify which finance routes are realistic and which would be the best fit for your business.
Prepare your application
We build the business plan, financial projections, and break-even analysis — and make introductions to lenders or investors where appropriate.
Ongoing support
Once finance is secured, we handle the accounting and tax treatment so your books reflect the new structure correctly from day one.
Ready to explore your finance options?
Speak to Philip Barnes & Co in Tamworth. We'll help you identify the right route, prepare a strong application, and manage the accounting implications — from first conversation to funds in place.