How great would it be to have a fast forward button to get back to a “normal”? Or would you be looking for the rewind? 

Zooming out of the current crisis to look at our lives from a multi-decade view, the picture is clear. Metrics across education, health, freedoms and movements for equality show that we should be looking forward to the future. Both Steven Pinker (Enlightenment Now, 2018) and Colin Mayer (Prosperity, 2012) make strong cases for why the company - and more precisely capital - are instrumental in improving our lot.

Capitalise is built around this notion. The notion that given that, on balance, others will in general seek a better future, coherent with our own personal view. Bad actors, polluting companies and exploitative business models will be pushed out - perhaps not instantly but certainly over the long term. 

Since the future is, in aggregate, better than today then why not bring that future forward to now? To get there we need access to capital to invest productively in taking those steps forward. Without capital there is stagnation. Hitting the pause button and ceasing all activity might feel tempting in times of crises but this would disrupt emerging innovations fixing today's challenges, be that a fossil fuel dependency or equality, leaving us unable to cope with generational challenges.

If capital enables change and the future is positive then access to capital is a fundamental need. This is why we’re passionate about providing access to capital to small businesses.

Capital? What capital?

In a fresh-off-the-shelf business it all starts with £0 assets, £0 liabilities (except of course some accountancy fees!) and £0 equity. The only way to get a business off the blocks is most likely to add sweat to the balance sheet. Since neither Jeff Bezos, Satya Nadella nor Sundar Pichai accept IOUs for their cloud services then chances are that some vital liquid capital will be required - cash.

Cash as a concept (diversion: one of our investor’s shows it really is just a concept) is the one form of capital you want in your business. Aside from machinery, buildings, IP, plant and other types of fixed asset which can be used productively, cash on the balance sheet is probably the most popular in our asset-light, knowledge economy.

As a result, the concept of bringing in liquid capital - cash - into a business to invest in people, assets, marketing or whatever offers the best return on investment (ROI) is central to our mission.

Whilst sometimes it may not seem that way, beyond customers there are so many places to go and get cash to open up investment opportunities...

 

 

Keen to hear more about the ways we can help your clients with more than funding? What about also helping them with recovery? Join our webinar on the 26th August.

 

So you can get ahead in your capital conversations.

Predicting which clients need your attention starts with understanding their circumstances - and no-one knows their numbers better than you, their accountant. But unless you’re the Rain Man it’s difficult to visualise your entire portfolio without a little help from technology.

Monitor is here to give you a helping hand in seeing the capital position of your clients with a new lens. *

* Available for advisers subscribing to Pro and Partner.

Anticipating your clients’ needs

Recently, we talked about Client Experience and channelling the 5* Hotelier where firms such as Raffingers have invested in training, processes - and their choice of technology partners. This prepares a firm to respond to requests. But how about getting there before the client asks?

In Japan, the “art of anticipation” Kikubari (気配り) is a preemptive customer service which makes a guest or client feel so welcome. This Japanese style of silent and unprompted customer service is all about adding value above and beyond. It’s about strengthening a relationship. Monitor gives you that view. And across all your clients at once.

Analysing your portfolio. Instantly.

Open up the conversation, focus on the solution

In an age of real time feeds, automation and shared accounting dashboard views between your clients and your team, sometimes it’s important to look at things a little differently. 

Clients are plugged into their P&L, budgets and forecasts. But they really don’t have any visibility on solutions to help their cash flow.

Our adviser-led funding platform helps create that service line in your firm, improved with the additional layer of our Health Report.

Health reports. With talking points

Our Health Report plays back a summary of how a financial institution would see your client. A business credit score and benchmarks* help give a clear picture and sets expectations around the products available in the market.

p.s this is powered by machine learning (aka A.I.) but we don't think that's too important.

Want to see your clients in a different way?

Book in a consultation with one of the team 

Or contact your partnership manager to run through a Portfolio Review.