Financial Modelling & Lender Materials Preparation | FG Capital Advisors

Notice. FG Capital Advisors is a trade and capital advisory firm focused on commodities, structured trade finance, private credit, and sponsor side debt advisory. The firm provides financial modelling, due diligence support, capital structure advice, and preparation of lender and investor materials for qualified clients. FG Capital Advisors is not a bank, lender, credit insurer, broker dealer, or retail investment adviser and does not issue loans, guarantees, securities, or deposits. Any facility or investment is provided by regulated counterparties under their own licences and documentation. All potential transactions and mandates are subject to KYC and AML checks, sanctions screening, conflict checks, and the terms of a formal engagement letter.

Financial Modelling & Lender / Investor Materials Preparation

Credit committees do not approve pitch decks. They approve models, structures, and written narratives that survive scrutiny across several levels of review. Sponsors that arrive with incomplete models and marketing slides are pushed into long, uncertain processes, even when the underlying business is sound.

FG Capital Advisors prepares bank grade financial models and lender or investor materials for trade finance, project finance, commercial real estate, and acquisition or growth debt. The work is designed to reflect how underwriters actually analyse risk, not how marketing teams describe it.

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What This Service Covers

Financial modelling and materials preparation is structured around one clear objective: giving lenders and investors the information they need in the format they expect. Typical mandates cover some or all of the following:

  • Integrated financial models. Three statement models with revenue drivers, operating costs, working capital, capital expenditure, tax, and detailed debt schedules, tailored to trade finance, project finance, commercial real estate, or corporate acquisition structures.
  • Covenant and stress cases. Lender style downside scenarios, covenant curves, and headroom analysis, including DSCR, interest cover, leverage, and liquidity metrics under adverse assumptions.
  • Facility performance analysis. Draw and repayment profiles for revolvers, term loans, and facilities tied to borrowing bases, availability curves, and cash sweep mechanics.
  • Lender and investor packs. Concise credit narratives that explain the business model, transaction, security, risk allocation, and structure, written in language that internal credit teams can route through their processes.
  • Information memoranda and overview decks. Where deeper detail is required, preparation of information memoranda and supporting presentations that align with the model and credit story rather than repeating marketing content.
  • Data room structure. Data room index and filing logic that match lender review workflows, including clear separation of business, legal, technical, ESG, and financial documentation.
  • Model and pack clean up. Remediation of existing models and materials that are technically weak, inconsistent, or misaligned with current lender expectations.

Models are built and documented so that lenders can move from line items to key drivers and back again without guesswork or hidden mechanics.

Who This Service Is For

This mandate type is intended for sponsors who are already in, or about to enter, a serious financing process and recognise that internal resources are not set up to produce lender ready models and materials.

  • Corporates and traders preparing borrowing base, inventory, receivables, or SBLC backed trade finance facilities.
  • Project sponsors in energy, infrastructure, and industrial assets working on non recourse or limited recourse structures that require detailed case analysis.
  • Commercial real estate owners and developers arranging senior, mezzanine, or structured finance for income producing or development assets.
  • Buyers executing acquisitions, management buyouts, or platform roll ups where debt or hybrid capital is a meaningful part of the stack.
  • Funds and family offices seeking a consistent modelling and materials standard across multiple portfolio transactions.

The service is not positioned for early stage concepts without defined revenue drivers, or for situations where sponsors are unwilling to provide the level of information and disclosure that institutional lenders require.

Engagement Scope & Deliverables

Each engagement is scoped around a specific transaction or financing objective. Deliverables are defined in the engagement letter so that the sponsor and all stakeholders know what will be produced and how it will be used.

  • Diagnostic and modelling brief. Short note mapping the transaction, required model outputs, covenant focus, and lender expectations, used as the basis for model design.
  • Base financial model. Integrated model in an agreed format, with clear input sheets, calculation sheets, and output summaries, including built in checks and version control.
  • Scenario and sensitivity pack. Agreed set of cases that reflect both sponsor and lender concerns, with clear articulation of the assumptions that drive each scenario.
  • Credit narrative or lender pack. Written document, usually 10–25 pages depending on complexity, that presents the business, transaction, structure, and risk analysis in a format suitable for internal credit distribution.
  • Slide deck for committees and investors. Focused presentation that aligns with the model and narrative, used for internal sponsor approvals and lender or investor meetings.
  • Data room index and document checklist. Structured list of documents that lenders will expect to see, with practical guidance on organisation and naming conventions.
  • Follow up support. Limited follow up support to address technical questions from lenders and investors on the model structure, assumptions, and outputs during the active process window.

Legal drafting, tax structuring, formal technical reports, and audit work remain within the remit of specialist advisers. FG Capital Advisors focuses on the financial and analytical spine that holds the financing case together.

Pricing & Fee Structure

Financial modelling and materials preparation is a specialised, labour intensive service. Fees are quoted per mandate and paid by bank transfer. Third party costs such as legal, technical, and accounting advisers are always separate.

  • Model Review & Clean Up
    Review and strengthening of an existing model and core lender pack for one transaction, with a short diagnostic and targeted amendments rather than a full rebuild. Typical fee range USD 12,500 to 25,000, payable in full on signing.
  • Single Transaction Modelling & Materials Package
    Full build of an integrated model, covenant and stress cases, lender narrative, and basic slide deck for one facility or transaction. Typical fee range USD 35,000 to 85,000, depending on sector and complexity.
  • Programme or Multi Deal Modelling Framework
    Development of a modelling and materials standard for repeated use across multiple deals, including template models and credit pack structures. Typical fee range USD 90,000 to 200,000+, often with initial framework work followed by per deal work orders.

For full packages, at least fifty percent of the agreed fee is payable on signing the engagement letter, with the balance linked to delivery of the main model and materials. Very small budgets are incompatible with the level of work required to produce models and documentation that institutional lenders will rely on.

Frequently Asked Questions

Can you work from our existing model and materials?
Yes, provided they are available in an editable format and are fundamentally coherent. In some cases, it is more efficient to rebuild than to patch. That decision is made after a short review at the beginning of the engagement.

Do you support both debt and equity processes?
The focus is on debt and hybrid capital for trade, project, real estate, and corporate finance transactions. Equity investors can and do use the outputs, but equity advisory, valuation opinions, and ECM processes are not part of this service.

Which currencies and jurisdictions can you cover?
Models are flexible on currency. Jurisdictions are assessed case by case. The key question is whether there is sufficient data, local support, and clarity on tax and legal frameworks to produce a model and narrative that lenders can rely on.

Will lenders accept a model built by FG Capital Advisors without rebuilding it?
Serious lenders almost always run their own checks and often rebuild parts of the model for internal use. The aim is not to avoid that work. The aim is to ensure that the starting model is consistent, transparent, and aligned with the way those teams think, which materially reduces friction and miscommunication.

Can you stay involved once lenders start asking detailed questions?
Yes. Engagements include a defined window of support to handle technical questions on the model and materials. Longer term or open ended support can be agreed on a separate basis where required.

Do you offer success fee only modelling engagements?
No. Financial modelling and lender materials preparation is charged on a fee basis as described above. Where larger mandates include broader advisory roles, success linked economics may apply separately, but never in place of base modelling and documentation fees.

Lenders and investors can accept commercial risk. They are less forgiving of weak numbers, unclear assumptions, and inconsistent presentation. Sponsors that arrive with bank grade models and concise, focused materials move through internal processes faster and on better terms than those that improvise.

If you are preparing for a trade, project, real estate, or acquisition financing and want your case to read like a credit file rather than a pitch, share a concise outline of the transaction and your current materials. FG Capital Advisors will respond with a view on fit and a fixed fee quote within the ranges above.

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Disclosure. FG Capital Advisors provides financial modelling, analytical, and advisory services. The firm does not originate, offer, or sell securities, loans, deposits, guarantees, or insurance products and does not accept client money. Models and materials prepared under this service are tools to support discussions with lenders and investors and do not constitute forecasts, guarantees, or recommendations. Any financing decision should be based on independent legal, tax, accounting, and technical advice and the internal policies of the relevant institution. Any engagement with FG Capital Advisors is subject to internal approval, conflict checks, KYC and AML checks and sanctions screening where required, and the terms of a formal engagement letter.