Mergers and acquisitions from start to finish
Mergers and acquisitions are an important step for both the buyer and the seller, whether the goal is growth, succession or the sale of a business. Konkretia Rahoitus helps plan and finance the transaction safely and flexibly, ensuring a smooth transition and continuous business operations.
Below you can see the key steps involved in a merger or acquisition.
Valuing your business
Valuation is one of the most important stages of a transaction. It helps determine the true economic value of a company, not only through balance sheet figures but also by assessing profitability, future potential and risk factors.
Konkretia Rahoitus helps you assess the value of your business objectively and clearly. We review key financial indicators such as revenue, profit, cash flow and debt, while also considering intangible factors like customer relationships, employee expertise and market position.
A thorough valuation provides the basis for a fair purchase price and helps both the seller and the buyer make well-informed decisions. This ensures the transaction moves forward with confidence and transparency to the benefit of both parties.
Due diligence
Due diligence is an in-depth review carried out during an acquisition to assess the financial, legal and operational situation of the target company. Its purpose is to ensure that both parties understand all relevant risks and opportunities before making a final decision.
Konkretia Rahoitus supports the due diligence process by providing a clear and structured view of the company’s financial position. We review accounting, contracts, obligations, risks and profitability to give the buyer a realistic picture of the company’s situation and future potential.
Thorough due diligence protects both the buyer and the seller, reduces surprises and supports financing decisions. It is a key part of a successful transaction and helps build trust and a strong partnership after the sale.
Information memorandum – a clear overview of your business for buyers and financiers
An information memorandum is a document prepared during a business transaction that brings together all essential information about the company in a clear and appealing format. It serves both as a sales document for potential buyers and as background material for financierswho assess the value and potential of the business.
A well-prepared information memorandum gives a concrete overview of what the company does, how it performs financially, where its strengths lie and how it can develop in the future.It typically includes information on:
the business and its structure
customer base and market position
key financial figures
staff and other resources
development prospects and growth opportunities
Konkretia Rahoitus helps you prepare an information memorandum that is clear, credible and aligned with the requirements of financiers.A strong memorandum makes the company more attractive, supports negotiations and facilitates financing, bringing transparency and confidence to the entire process.
Marketing
Marketing is a key part of a successful business transaction. It helps reach the right buyers, generate interest and create a strong first impression of the company. With careful planning, your company’s strengths and potential can be presented in an attractive way, while always maintaining strict confidentiality.
Konkretia Rahoitus helps you market your acquisition process in a controlled and targeted manner. Together we create a marketing planthat defines the target groups, key messages and suitable channels — whether the sale is public, based on a limited buyer search or carried out through direct contact with selected investors and financiers.
Our goal is to help your business find the best possible buyer and the most suitable financing solution. Professional marketing increases interest, speeds up negotiations and supports the success of the transaction from start to finish.
Financing – enabling a successful business acquisition
Financing is often a key factor in the success of a business acquisition. A well-designed financing structure ensures that the transaction can be completed smoothly and that the company continues to operate reliably after the change of ownership.
Konkretia Financing helps you build a deal that fits the deal financial packagethat supports the transaction and takes into account the needs of both the buyer and the seller. We explore different options - such as business loans, hire purchase financing, Finnvera guarantees and other flexible financing models - and help you find the solution that best fits your situation.
Our goal is for financing to enable the transaction, not slow it down. We offer clear terms, fast decision-making and personalised advice, so you can focus on what matters most: a successful transition and uninterrupted business operations.
Business support
Business support can be a significant help for a company planning growth, investment or a change of ownership. Various funding bodies — such as the ELY Centres, Business Finland and Finnvera — offer support schemes that strengthen business development and make it easier to obtain financing.
Concrete Finance helps you identify, which forms of support your company is eligible for and how they can be combined with other financing. We assist you throughout the entire process, from preparing applications to gathering the necessary documents and communicating with funding bodies.
Business support can be targeted at areas such as:
investment and growth
product development and internationalisation
succession or business acquisition
projects promoting energy efficiency and digitalisation
When used effectively, business support can be a key factor in a company’s development path.
Ask us,how to integrate subsidies into your business financing solution and make sure you take full advantage of all available opportunities.
FAQ
Frequently Asked Questions
Do you offer financing for machinery and equipment purchases?
Yes. For machinery and equipment purchases, we typically recommend leasing, as it does not weaken the company’s equity ratio and makes future financing arrangements easier. Leasing is also a flexible way to keep equipment up to date without large upfront costs. If leasing is not suitable, we can arrange alternative options such as instalment-based financing.
How do contract guarantees work, and what kind of product do you offer for them?
For contract guarantees, we offer credit limit–based solutions that allow companies to issue guarantees repeatedly without separate applications each time. We also provide project-specific financing options that make it easier to manage project execution and cash flow.
What is invoice financing, and who is it suitable for?
Invoice financing (also known as factoring) allows companies to receive funds from invoices immediately without waiting for payment terms to expire. The service is well suited for both new businesses and those with weaker credit standing, as financing is primarily based on the quality of invoices and the payment reliability of customers.
Do you offer inventory financing?
Yes. Inventory financing frees up capital tied to stock and can be structured as a flexible credit limit that adjusts according to the value of the inventory and business seasonality.
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