Pathways_Intro-Professionals (1)

INTRODUCTORY PRESENTATION
FOR PROFESSIONALS

HELPING CLIENTS
to see the wood from the trees
With no obligation financial advice expertly designed to provide
those facing difficult financial prospects with a professional and
dedicated hand-holding service. Guiding them onto the right
path towards secure finances.
| 1/30©2016 Pathways Alternative Solutions.
All rights reserved.

FINANCIAL PATHFINDER
Clients whose advisors tell them there is only one way out, do not have their best
interests at heart. However, when clients partner with Pathways, we will help to
highlight the options and choices they have had in front of them the whole time
whilst helping them execute these options in the most beneficial way.

WE SPECIALISE
in shedding light...
on the solutions available in difficult and often complex financial
situations. Covering all aspects of insolvency and restructuring, we
have the resources and knowledge available to help show clients that
there is light at the end of the tunnel.

VOLUNTARY ARRANGEMENTS
INDIVIDUAL (IVA) COMPANY (CVA) PARTNERSHIP (PVA)
IVAs have been avoided by clients
through the provision of a more suitable
and manageable financial solution.
Clients that have been told a CVA
is the best solution when sound
financial advice was all that was
necessary.
If clients are looking to a PVA as a way
out, then professional restructuring of
their finances could be more
beneficial.

INDIVIDUAL INSOLVENCY
DEBT RELIEF BANKRUPTCY HMRC PAYMENTS
We have supported many clients through
a Debt Relief Order (DRO), that would
have otherwise led to bankruptcy.
If a client has been recently made
bankrupt, it is important that they act
fast; we have annulled bankruptcies
that could have been prevented.
We have dealt with many cases
where companies and individuals have
been made insolvent through unpaid
tax. It is important to act quickly and
arrange suitable finance to
discharge HMRC.

CORPORATE INSOLVENCY
ADMINISTRATION RECEIVERSHIP LIQUIDATION
If a client’s business is in administration,
then we can work with its creditors and
administrators to discharge the adminis-
tration and restore financial stability.
It is important to act quickly in
a receivership and our financial
solutions could be the difference
between discharging creditors or an
unnecessary liquidation.
It is still possible to salvage a
company from liquidation. However,
if this is the only suitable option then
we will work with our insolvency
experts to provide the advice and
support the client needs.

MORE OFTEN
THAN NOT ...
there is another way out.
When a client’s vision is clouded by a financial storm, it can be
difficult for them as well as others to navigate a way out.
We aim to be there to provide a silver lining and help
clients get back on their feet.

99,223
clients do not have to feel alone when it comes to battling
their creditors and tackling tricky financial situations. This
was the number of individual insolvency cases during the
year 2014.
insolvencies prove...
*Official Insolvency Service Statistics from the ONS | 8/30©2016 Pathways Alternative Solutions.

SUCCESS STORIES
Keeping our client’s cases confidential is all part of our people-focused and
sensitive service. We however, like to share a success story from time to time to
prove that we really can bring clarity to a complex and difficult situation. From
small financial hiccups, to big life-altering circumstances, no challenge is too much
for our team of industry experts and our growing list of testimonials
pays tribute to this.

Despite being due to inherit a third of a late parent’s house once probate
was concluded, HMRC would not hold off serving a Bankruptcy Petition
upon a self-employed client who was facing a large liability.
Our client was unable to demonstrate serviceability for a remortgage, so we
stepped in to secure a second charge bridge secured on his house, without
having to demonstrate income, to discharge the petition. The bridge was
arranged so that the interest was rolled up and no monthly payments were
necessary. Once probate was concluded, the bridging loan was discharged.
A BRIDGE OVER TROUBLED WATER

We were approached by a director who was feeling somewhat
disorientated by his company’s financial predicament, so naturally we were on hand to
help out. The director explained that the company was in a CVA and a requested our
support to raise £160,000 to discharge the CVA by way of variation and to release
working capital in order to grow the business.
We were advised that the company’s accounts did not demonstrate very strong
profits, but we were still able to arrange a facility which enabled the company to
borrow the necessary sum without having to demonstrate income.
This facility was also secured on a residential property despite the
property being part of a trust.
PUTTING THE FORTUNE IN MISFORTUNE

20,343
there are self employed clients who are not getting the
help and support they deserve. This was the number of
bankruptcies of self-employed people during the year
2014.
bankruptcies say
*Official Insolvency Service Statistics from the ONS | 12/30©2016 Pathways Alternative Solutions.

*The money charity, Review March 2016
£40,000,000,000
was added to the total
of UK personal debt, up from a eye watering £1.434 trillion from
March 2015 to March 2016. Sadly this level of personal debt pushes
many towards insolvency; approximately 222 people per day.

00:06:13
EVERY
It is estimated that an individual
in the UK is made insolvent.
*The money charity, Review March 2016 | 14/30©2016 Pathways Alternative Solutions.

OFFERING CLIENTS
an alternative solution
When clients are faced with difficult financial issues or threatened
with bankruptcy it can sometimes leave them feeling trapped
between a rock and a hard place but we are here to recalculate their
route and show them that they do have choices, despite what others
might say.

BUILDING A TEAM
After climbing the rungs of the construction, leisure and manufacturing career ladders,
Richard Norton decided to launch Pathways and use his personal experiences and
first-hand knowledge to benefit others battling the lows of business. He has nurtured
a strong and specialised team of independent experts who now dedicate their time to
finding alternative solutions to difficult financial scenarios that might otherwise leave
clients feeling like there is nowhere else to turn...

TO HELP OTHERS
We have been helping people in difficult situations for over two decades and Richard’s
wealth of experience and knowledge has enabled us to fine tune a service that promises
to soothe the symptoms of financial struggle discreetly, efficiently and effectively. Thanks
to our pool of industry contacts and an understanding that financial problems come in all
shapes and sizes, clients can be sure we will find a bespoke solution that takes their individ-
ual requirements into consideration, no matter how difficult the journey.

THERE IS NO
QUICK FIX
or ‘one solution ﬁts all’ for
the problems that our clients
endure – we take a careful,
pragmatic and sensitive
approach to ﬁnding the
right solution.
For those clients who are of a more
mature age and have equity in their
properties, we have the means to
arrange a financial facility whereby
funding is provided to them with
no commitment to future,
ongoing payments.
For clients who have customers
paying by credit card, it’s possible for
a lender to provide a business loan,
which could potentially amount to a
whole month’s worth of card sales,
to assist with and relieve cash flow
problems.
EQUITY RELEASE
WORKING CAPITAL
Unsecured lending of values worth
up to £100,000, including unsecured
funding and development finance
through first or second charge loans.
We also renegotiate contract terms
when circumstances change.
When a client has a very low rate of
interest on their mortgage and/or
commercial facilities and additional
finance is required, a second charge
loan is the solution, tailored to the
client’s needs and capabilities.
LOAN VARIATION
BESPOKE LOANS

WELL CONNECTED
When clients reach out for our help, we also provide them with access to our boundless
network of industry contacts, because well, that’s what friends are for! We are strategically
placed in the centre of the country so our colleagues are in easy reach to lend a helping hand.

If clients need somebody to go
through the small print with a
fine-tooth comb and keep their
best interests at heart, we have
got it covered.
LEGAL ADVICE
If they need someone to discreetly
protect the pounds, we will call upon
our close connections to make sure it
is done right.
BANKING SERVICES
Bookkeeping is one thing, but we
have accountants within reach that
have saved clients more in tax than
they have charged in fees.
ACCOUNTING

If our clients are finding they can not
keep up with marketing and creative
strategies then we know those
who can assist.
MARKETING
Complex and underestimated, yet the
rewards can be generous, that is why
we refer our clients to experts
in investment opportunities.
INVESTMENTS
Where property is concerned, if clients
need somebody who knows what
they are talking about, then we work
with some of the best people in
the business.
PROPERTY EXPERTISE

THE CLIENT
Is our top priority and our
connected network of services
is just one way we support
their growing needs.

LIFE IS ABOUT
BALANCE...
we’ll be a shoulder to lean on.
Legend has it ‘it’s not what you know, it is who you know’, but
we disagree. We provide clients with both expert knowledge and
invaluable connections in equal measure, so they have all the
support they need.

Unfortunately, poor advice is a common culprit when it comes to looking for the cause
of our clients’ financial problems and in this case, tarnished pearls of wisdom led to
the liquidation of a client’s construction company.
The directors were subsequently exposed to liability under their personal guarantees,
so we were approached by a third party banker to help. After obtaining Counsel’s
advice, the liquidator was approached and the necessary funds were raised to
reverse the liquidation.
BUILDING BUSINESS BACK UP

Following the loss of a major court case, this particular client was made bankrupt and
came to us in search of some expert advice and friendly guidance after being unable
to raise funds.
As we promise to all of our clients, we were able to shed light on the best options
moving forward and calculate the best route out of what might initially seem like an
impossible situation. A second charge facility was secured on the private residence,
which meant the bankruptcy could be annulled and the client’s credit rating restored.
THE CALM AFTER THE STORM

Pathways was purposely designed for those in difficult financial situations to benefit
from free no obligation advice. It is this founding concept that makes Pathways unique
in its customer offering. Supported by a national network of experts who visit
clients in the comfort of their own homes to help craft a bespoke solution
without charge or introductory fees.
FREE NO OBLIGATION ADVICE

HOW IT WORKS
Unlike so many other companies out there, we want to get to know the people behind the
problems and the names behind the numbers first and foremost, which is why we always
advise clients to book a face-to-face appointment. Being able to discuss the clients
circumstances with them in person enables us to understand their story more
comprehensively and devise the most suitable plan of action.
The advice and support we provide incurs no charge and clients are under no obligation to
act on, or use the products and services we offer. We our confident that the expertise and
solutions presented are successful and competitive, making the client’s choice one of ease.

REQUEST AN APPOINTMENT TALK IT THROUGH FIND THE SOLUTION
Clients will request a face-to-face
appointment with one of our team
of specialists.
After an initial conversation, we will
then be better equipped to offer
clients tailored advice.
If clients choose to continue their
journey with us, we will provide and
execute a bespoke solution.

THANK YOU
If we can support your clients in taking
the right path towards secure finances
then please contact us.

©2016 P.A.SPathways Alternative Solutions is a trading na e o
inan e whi h is authorised and regulated y the
inan ial ondu t Authority. o any o. 0266
egistered Address
Ain oor range i ley ane
Stre on er yshire 6 S
in o athwaysinsolven y. o
www. athwaysinsolven y. o
Phone 01 2060

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