Working together with a finance broker can get your succession plans moving

Consolidation in the insurance market is firmly back on the agenda. For insurance brokers Mergers & Acquisitions (M&A)

and Management Buyouts (MBOs) can lead to dynamism and growth but are complex transactions that require

specialist advice and expertise. Whether you’re looking to raise funds, refinance or find a fresh line of credit, Aviva’s

Succession Proposition can provide access to Integritas Financial Solutions, to help your ambitions turn to reality.

Support tailored to you and your needs

Integritas are specialist finance brokers who offer a number of services to assist you throughout, or at specific stages of, your business plans. You have access to three levels of service, at preferential rates for Aviva brokers, which include:

1. Pre-deal: Confidential readiness review

This review is designed to:

• give you an insight into the standards you need to reach to gain lending approval

• advise the amount your business can afford to borrow

• provide guidance on how to structure and best present your request to the market

• save you considerable time and cost in preparing to approach lenders.

2. Pre-deal: Securing funding

(i) Fund Finder (£350,000 >) Following the readiness review, Integritas can either step back or work with you as a Fund Finder. They’ll create a funding pack for you and provide complete lending management. They’ll work with you to present to their network of insurance sector specialists within the banks. Once offers are received from banks, they’ll help you negotiate the best terms and, once funding is secured, work with you to make sure that there aren’t any complications.

(ii) Crowd-Funding (<£350,000) Crowd Credit is a swift, accessible option growing in popularity. Integritas will make sure you’re professionally advised and manage your application and credit-related issues.

3. Ongoing: Financial support and benchmarking

Through our Integritas annual health check, Integritas will analyse end of year accounts and management information to discuss your brokerage’s performance. This will include the financial trends seen in your firm, benchmarking against the industry and the financial implications of other short-to-medium-term plans currently being considered. Where funding has been secured, Integritas can also provide support such as banking liaison services, to allow you to focus on optimising your acquisition or MBO.

Why choose Integritas?

1. Personal service All brokers are different. That’s why Integritas adopt a personal face-to-face approach to understand what’s important to ensure the right funding solutions are provided for your individual needs.

2. Wealth of experience Directors Paul Saunders and Martin White have over 60 years’ banking experience – they know what banks are looking for, as well as how to present your funding requirements and negotiate the best terms possible.

3. Independent Integritas are an independent finance broker and do not work for the banks. They will act on your behalf to secure the best solution and terms for you.

4. Sector expertise In the same way that we would recommend the services of a professional broker for insurance, when looking to raise funds it’s important to realise the benefits of using a commercial insurance broker. Integritas specialise in funding solutions for the insurance industry.

5. Highly recommended Integritas are endorsed by Aviva and BIBA, helping to facilitate over 35 deals with Aviva in the last five years.

6. Hassle-free Integritas will look to take away the administration and pressures associated with dealing with lenders, so that you can focus on your business and customers.

7. Choice – direct access to all major banking institutions Integritas have direct access to all the major banking institutions, to ensure we obtain the right funding solution for you.

8. Flexibility Integritas do not adopt a one-size-fits-all approach and can assist throughout or at specific stages of the deal.

Supporting regional independent brokers to find success in successionTo find out more, speak to your business development manager or one of our succession experts, for a confidential chat:

Michael PhilpottE: michael.philpott@aviva.com T: 07800 692 550

Issued for use by intermediaries only. This information has not been approved for use with customers.Aviva Insurance Limited. Registered in Scotland No. 2116. Registered Office: Pitheavlis, Perth PH2 0NH.Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

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