Why You Need This Pack

When you apply for a loan, overdraft, or asset finance, lenders don’t just look at your revenue — they look at how you manage it.

Most funding delays (or rejections) happen because businesses can’t provide:

• Up-to-date management accounts

• Reliable 12-month cashflow forecasts

• Key ratios like gross margin %, current ratio, or debtor days

The Heights Lender Readiness Pack fixes that.
It gives you the clarity, structure, and templates lenders expect — all built for UK SMEs.

What’s Inside the Pack

✅ 8-Point Lender Checklist – the exact reports lenders ask for before approving finance.
✅ Target Ratios & Benchmarks – see where you stand against healthy funding metrics.
✅ Quick Wins Before You Apply – easy actions that strengthen your financial position.
✅ Plain-English Setup Guide (PDF) – step-by-step walkthrough, created by Heights Accountancy.

💡 Ideal for service-based SMEs, property companies, and growth-minded business owners with 5–30 staff.

How It Helps You

“The bank keeps asking for extra documents.” You’ll have every report ready from management accounts to forecasts.

“Our accountant only gives us year-end figures.” The pack focuses on live, forward-looking data lenders actually care about.

“We’re not sure what ratios lenders check.” You’ll see clear targets for profitability, liquidity, and repayment ability.

How to Use It

1️⃣ Download the free pack below.
2️⃣ Complete the checklist and plug your numbers into the 52-week forecast.
3️⃣ Review your results using the built-in lender benchmarks.
4️⃣ Book a discovery call if you’d like Heights to check your pack before applying for finance.

FAQ Section

Q1. What does “lender-ready” actually mean?
It means you can prove your business understands — and manages — its numbers confidently.

Q2. Do I need an accountant to use this pack?
No. It’s designed for non-finance owners in plain English. You can complete it yourself.

Q3. Can Heights review my pack before I apply?
Yes — book a free discovery call and we’ll walk through it with you.

Q4. Is it really free?
Yes. It’s part of our mission to help UK SMEs grow with financial clarity.