We begin by understanding the business rather than directing the client towards a particular banking product. Every company has its own circumstances, ownership structure, cash flow, assets, ambitions and existing financial relationships, and these factors influence which institutions and solutions may be appropriate.

Through our International Private Office, we consider that wider picture before identifying suitable banks, lenders and financial specialists from across our network. We then coordinate those relationships around the business, remaining involved as requirements develop rather than treating each banking need as an isolated transaction.

Yes. The right banking relationship depends on considerably more than the size of a company. Its activities, turnover, ownership, jurisdictions, payment flows, international exposure and future plans can all influence which institution is best suited to the business.

We work across a network of banking institutions and can introduce businesses to relationships appropriate to their circumstances and requirements. This may involve everyday business banking, international accounts, foreign exchange, cash management or more specialist banking needs. We coordinate the introduction and remain a point of continuity as the relationship develops.

Yes. Businesses require capital for many different reasons, from managing short term cash flow and purchasing equipment to acquiring commercial property, fulfilling larger contracts or funding the next stage of growth.

Depending on the circumstances, we can coordinate access to working capital facilities, overdrafts, asset finance, invoice finance, commercial property finance, trade finance and other forms of business lending through selected banks, lenders and specialist finance providers. Each requirement is considered individually, with the financing relationship structured around the business and its objectives.

Yes. We work with entrepreneurs, owner managed businesses and established companies whose financial requirements may develop considerably over time. Some operate primarily in the United Kingdom, while others have shareholders, customers, suppliers, assets or commercial interests across several jurisdictions.

Where a business operates internationally, we can coordinate relationships covering international banking, foreign exchange, cross border payments, trade finance and multi currency requirements. Our wider international network also allows the Private Office to consider how different banking relationships can work together as the geographical footprint of the business develops.

Our intention is to build a relationship capable of developing alongside the business. A company may initially require an operating account, working capital or straightforward commercial finance, while later stages of growth can introduce acquisitions, larger credit facilities, refinancing, property transactions or more sophisticated capital requirements.

As that complexity increases, Sutterson Reed can bring the appropriate corporate banking, private credit, lending and specialist relationships into the conversation. At the same time, the entrepreneur’s personal financial circumstances may also evolve towards private banking, investments, lending or succession planning. The Private Office provides continuity across those different stages and relationships.