NCRA provides professional consulting services to established businesses and starting-up entrepreneurs.

We insure the business plan / feasibility study preparation service to newly launched business ventures (Start-ups) and to established companies considering the development of an expansion strategy. 

The service covers traditional sectors / industries like manufacturing, contracting, real estate development, ICT (information and communication technology), hospitality, restaurants, clubs, commerce (wholesale and retail), services, finance; as well as special projects requiring tailored financial modeling and specialized technical know-how.

We provide data and information related to the business, market research and analysis, financial projections and due diligence investigative reports.

Whether your financial need is raising debt capital through banks loans or bonds issuing, or raising equity capital through partnerships with private or institutional investors (private equity funds), NCRA can cater to this need by providing the appropriate business plan.

From simple to extensive, we create the plan you need to succeed in today’s fast paced market place.              

We work closely with our clients to maintain the privacy of their projects.

Our goal is to provide them with the professional service they desire to meet their financial goals in the most timely and cost effective manner.

In addition to the business plans / feasibility studies preparation, NCRA offers the project presentation service to potential lenders &/or investors.

The service includes Power Point slights presentations, detailed explanations and negotiations, road shows organization and assistance.

NCRA offers a debt &/or equity capital raising service that starts with the preparation of the business plan or information memorandum or PPM (private placement memorandum) needed for this financial procedure,

and as a second step arranges a road show by visiting banks &/or private &/or institutional investors, with whom it has well established business relationships, to raise the needed capital / funds to finance the client’s project.

This service is considered as a separate one from the business plan preparation service since it is carried on by a legal capital raising mandate with a fee type and structure based on the success of the procedure.  

Credit consulting services includes the initiation and management of the soft term loan request procedure for our clients through the Kafalat financing program which allows local banks to grant long term loans with a seven years repayment period including a one year grace period. The loan is guaranteed by Kafalat agency and carries a 4.5% debtor interest rate subsidy provided by the central Bank of Lebanon.

The program covers value added sectors like Manufacturing, Agriculture, Tourism, Information & Communication Technology (ICT), and Craftsmanship.

Our service starts with the preparation of the business plan /feasibility study, and as a second step covers the submission and presentation of the credit request file to the local banks and the follow up procedure with the banks and Kafalat agency.   

The credit request procedure is managed according to Kafalat agency requirements and standards. 

NCRA offers a range of managerial and financial consulting and inspection services to assist its corporate clients in managing effectively and efficiently their existing

resources in order to improve their financial performance by optimizing their net profitability, cash flows, solvability and ultimately their company’s value.

The service can be offered on periodic or regular basis and consists mainly in:

1.  Reviewing, inspecting (due diligence) and analyzing the company’s past financial performance, its different business processes, its managerial style and corporate strategy in order to detect its weak and strong points/areas.

2.  Developing remedial plans/ measures and metrics to improve its weak areas and develop its strong ones.

3.  Financial forecasting and planning for future periods (monthly, yearly and for the longer term) based on the company’s actual and improved managerial and financial statuses as well as other outside factors (e.g. the economical status, regulatory environment, political environment, environmental issues, competition, market demand, financial sector, etc.) to place the company’s financial performance on  
the right track toward achieving its goals.

In addition to the mentioned, we offer continuous control and monitoring services in order to keep track of the company’s financial status’ development on a continual basis and implement corrective/remedial measures when it deviates from the already established financial and managerial plans and goals.   

Tailored financial consulting services can be developed to cater to the needs of our clients in terms of special managerial and finance functions.

Business valuation in its broadest sense is crucial to the commercial success of most businesses. The constituent parts of goodwill and intangible assets represent in many cases the most important asset of a business.

NCRA’s valuation service is dedicated to the appraisal of a business which does not have a ready market value.

A business valuation is needed in many financial situations that we can summarize as follows:

1. Establishing a realistic and fair sale price for  a total company or for a partial  interest (in businesses acquisitions/purchasing transactions and mergers),

2. Determining buyout prices for partners/shareholders (partner withdrawal),

3. Minimizing tax basis of estates and gifts,

4. Protecting against random court valuations in divorce settlements,

5. Resolving disputes with minority shareholders,

6. Raising debt or equity capital at the most favorable terms,

7. Disposing of unprofitable product lines at the best prices, 

8. Second opinion on valuations completed by other valuation professionals.

Our service covers the different practices and methodologies adopted in the valuation process and which can be summarized as follows:

1. Data gathering (including due diligence),

2. Financial statements restructuring based on realistic business and      accounting facts,

3. Ratios and risk analysis,

4. Application of the appropriate valuation method whether it is the “Discounted Cash Flows” or “Adjusted Net Worth” or “Price Earnings (P/E), Price to Book (P/B) or EBITDA multiple”, or a weighted combination of different methods.  

Due diligence is always conducted when a company’s shareholders are planning to partially or totally sell the company or take it public (IPO) and it is a crucial part of the going concern valuation process.

This service is needed too when a major silent partners plans to get a clear picture about the company’s financial and organizational statuses.

NCRA offers a primary or second opinion due diligence service and covers the following areas:  

As an important component of a reliable business plan / feasibility study a sound and realistic market

research / study should be developed based on a good and transparent

methodology and reliable information sources.

The scope of a market study is variable depending on the credible data available in the analyzed market.

NCRA’s market studies usually cover the following main issues:

1/ General description of the market.

2/ Description and analysis of the target Market(s), (including the profiling of potential target customers).

3/ Description and analysis of current and potential competitors (profiling).

4/ Demand analysis developed by conducting opinion surveys and preparing the appropriate statistics and metrics.

Since every company’s success depends not only on its internal situation but also on its external environment, NCRA offers Industry and Competitive Analysis services as part of any company’s successful strategic planning.

This service is very useful to banks as part of their risk management strategy and therefore their Credit Policy, and market penetration strategies.

Trade associations can benefit from an industry analysis to elaborate future plans for their sector / industry. 

Examples of covered issues include Evaluation of the market size, Scope of competitive rivalry, S.W.O.T analysis (Strengths, Weaknesses, Opportunities & Threats), as well as many other relevant issues.

It is to be mentioned that the coverage scope and accuracy of each analysis depends on the availability and the difficulty of obtaining data relevant to each industry, especially financial figures.

Where difficulties in collecting data are encountered, Business Intelligence methodologies are adopted to better build forecasted financials and other useful metrics. 

 We offer analytical services for one or more of the above mentioned areas of the Industry and Competitive Analysis.

 NCRA offers consulting services to companies planning to develop a set of policies, procedures and forms, as part of the

 development of a sound corporate governance model or for obtaining an ISO certification as well as other managerial or financial purposes.

 We cover the areas of:

• Human resources,
• Finance and accounting,
• Information technology,
• Procurement,
• Operations.

As an added value, NCRA offers a Risk Management planning service covering financial, operational and legal risks.

Our advisory service covers the four stages of a Strategic Management plan.

1. Strategic planning phase including:

 (a)  External and internal environment analysis (micro and macro environments of the company).

(b)  Conducting a SWOT analysis (Strengths, Weaknesses, Opportunities and Threats) . 

(c)  Business vision & mission, Corporate culture and Leadership.

(d) Core Strategy formulation/development including goals and objectives setting for  the company and the development of tactics for sustainable competitive advantage.

(e) Development of the execution plan. 

2. Execution phase including: 
(a) Communication the plan.
(b) Alignment the organization. 
(c) Preparation of operating plans and budgets. 
(d) Execution of strategic actions plans and initiative. 

3. Monitoring, Evaluation and Control phase

4. Strategy improvement phase. 

The work is done at the Corporate, Business and Product levels.