A business’s capital position never sits still, and the relationships around it shouldn’t either. We manage the banking, credit, and financial services that surround the company: structure confirmed, pricing checked, solutions found on both the surplus side and the deficit side. Existing, well-working relationships are retained, the trust already built is an asset. We only seek to replace a provider if that trust has been breached, or a truly superior solution is found after extensive analysis.
SERVICES
BANKING OPTIMIZATION
Before structure, rates, and services are discussed, is the current fit right for the Owner/CFO? If the answer is yes then that is an asset we aim to leverage, if not then that’s worth a conversation. Credit, TM, and the rest follow.
WORKING CAPITAL AND FIXED ASSET FINANCING
We facilitate the process of procuring debt and credit including working capital, equipment, real estate, and refinancing. There are many ways to do it, and everything learned in Capital Management comes along: the financing sits right alongside your balance sheet and capital planning, never apart from them.
INCOME, LIQUIDITY, AND INTEREST RATE STRATEGIES
The delicate balance between liquidity and yield finally solved. As for your loans and lines, we facilitate an optimized fixed, floating, hedged, and minimized interest cost for your circumstance. For swaps, we empower the Owner/CFO through the terms and ISDA process alongside the bank/dealer.
TRANSACTION COORDINATION
We guide deals from the client’s side of the table, a different seat than a broker’s. This can range from 1031 exchanges to capital raising. We keep this description light intentionally as Leather Apron can facilitate a host of transactions.
ADVISER AND INSURANCE ADVOCACY
When the Owner or Company requires asset management or the expertise of a CFP, we oversee the process from the start: true costs explained, fees plus soft costs, outcomes measured and reviewed. The same advocacy holds for life insurance and annuities, controversial and necessary, ensuring the Client never enters a misaligned or misleading strategy.
ABSTRACT EVOLUTIONS
Leather Apron’s work is by nature abstract and therefore often leads to new ideas and objectives that weren’t considered before our process began. We relish in undertaking new and unconventional evolutions that create superior risk-adjusted returns.