Exposure assessment
An assessment of material credit, market and operational financial risks using the information available.
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Practical financial advisory
Financial risk management for SMEs
Identify the exposures that can affect cash flow and profitability, then prioritize practical actions and monitoring.
Scope and fees are agreed before work begins.
Your financial adviser
Kamen Dimitrov, CFA
CFA charterholder · MBA, Carlson School of Management
What you receive
Customer concentration, credit losses, currency or rate changes, or weak financial controls are creating uncertainty.
Stress scenarios
An analysis of selected adverse scenarios and their effect on cash, margins and financing capacity.
Action and monitoring plan
Prioritized actions, proposed controls and a monitoring framework with defined responsibilities.
How the work is structured
We agree the question first, then the information, analysis and working deliverables.
01. Define the decision
Clarify the objective, current position, information available and the required working outputs.
02. Analyse and test
Review the data, document the assumptions and compare the material scenarios.
03. Review and agree actions
Discuss the findings, deliver the agreed materials and identify the next decisions.
Preparation and scope
What we need to start
Customer and supplier concentrations, receivables, debt terms, currency exposures and existing risk or control policies.
Engagement scope
A defined financial risk review or monitoring framework. Specialist regulatory or legal advice is separately scoped where required.
Questions before you start
Does every business need a complex risk model?
No. The approach should match the material exposures and available data. A clear exposure register and focused scenarios may be more useful than a complex model.
Can your Credit Tool replace a credit decision?
No. A tool can support analysis, but business context, data quality and professional judgment remain part of the decision.
Start with the decision you need to make.
Outline the business situation and the question you need to resolve. We can then define the relevant scope and information.
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