Cheswick Acquires Foxtons Wine Bar

Cheswick Capital is delighted to announce that one if its subsidiary companies has acquired the business and assets of Foxtons Wine Bar and Restaurant, in the historic market town of Berwick Upon Tweed.

Commenting on the move Keith Steven said that he was pleased to acquire the business which is tired and in need of modernising. "This is a turnaround opportunity that we have had our eyes on for a while. It is a long established wine bar and restaurant, but needs to offer a wider range of wines and high quality food.  So we have already introduced a new extensive wine list on its first weekend under our ownership and with the acquisition of a new chef to support the existing chef and sous chef, plus an exciting new menu, we are confident we can rebuild the restaurant over the coming months".

Law firm, Sanderson McCreath and Edney of Berwick, acted for Cheswick Inns Limited. The terms were not disclosed.

Business Asset Sale Case Study

Read how we restructured a struggling group whose parent company was in a  CVA.

Electrical Contractors, West Midlands

Business Asset Sale

Having their parent company (of these 2 solvent trading companies) in a CVA was costing time and losing contracts. The CVA had arranged the hive down of the trading to 2 new companies in 2010.

These were trading reasonably for a time but then the client contractors complained - about the non trading holding companies, being in CVA. New work was drying up as credit was difficult to obtain for the solvent trading companies. A ridiculous credit rating issue really.

The new trading companies were solvent, modestly profit making but being forced down an insolvency path, all because their shareholder company was in a CVA!

Solution:

We arranged for a valuation of the solvent trading companies assets and then arranged for the parent company to sell their shares in each, for that fair value agreed by Winterhill Largo plc (RICS), to new shareholders.

Cheswick led the sale of the assets, advised the valuers, arranged the board resolutions and led the whole process. Then the old parent company was placed into creditors voluntary liquidation to return some of the proceeds to its creditors. The CVA supervisors will also distribute a dividend to previous CVA creditors.
Need to fix a similar problem? Please call 020 74166677 now

New Case Studies Business Asset Sales

We have a cashflow crisis, we have aggressive creditors, we have a buyer for the business but it won't buy the company?

I think you have two options:

Option 1: Talk to the experts, take action, Stay in control???

Or option 2 - take no action, wait for aggressive creditor action or a winding up petition??

What would you choose?

See our case studies page for our new case studies where directors took action and appointed Cheswick to solve cashflow, legal and other complex problems.

Click here for case studies index page

Using a business asset sale, done properly, you can remove the business from an insolvent company. Want to know how? Please click the link above.

PAYE Reporting in Real time. Payments Online

PAYE returns to be done online

In a new initiative called Real Time Information (RTI) all PAYE returns will have to be done online from April 2013

The biggest change is that all employers will have to file PAYE and tax details for their employees online at the same time as when wages are paid – rather than at the end of the tax year. The way it currently works the HMRC only knows the true liabilities on the 19th of May following the end of the tax year when the P35 is filed.

Failure to file these returns online in "real time" will result in fines from £2,000 for smaller businesses and much more for large businesses. HMRC are likely to know about businesses that are late with payments at a very early stage. This means that companies need to be ready to talk to HMRC earlier.
If your business is having problems paying PAYE now, get ready for a more aggressive HMRC approach. Call us for advice.

Cashflow problems, selling your company?

Never the best time to sell, but if you are unwilling to keep battling cash flow problems, contact us.

Cheswick will acquire struggling companies for our turnaround teams to drive the business forward.

No fees or costs to find out more, just call now on 020 7416 6677

Deloitte's Khan appointed administrator to Comet Group

Neville Khan and partner appointed joint administrators over largest retailer failure since Woolworths.

Company will trade in admin for a period whilst buyers sought. Is this a glorified liquidation??

Will Maplin now buy Some Comet Stores

After my post saying "who says retail is dead?" Maplin reported to be in the frame to buy some stores from Deloitte who will be appointed as administrators over Comet Group Limited next week.

Small nimble and well managed businesses can still survive and grow, despite the dinosuars of their industry dying.

Who says retail is dying? Maplin to grow 100 stores

Maplin plans online and store expansion

The Yorkshire based retailer of accessories, supplies more than 15,000 products including cables, components, IT & computing equipment, sat navs, tools and TV equipment, cables and satellite systems. It will expand its online presence and support this with opening of up to 100 NEW STORES.

Along with the old retail mantra of "site, site, site", the owners of the business provide things that people want to buy, with friendly expert employees to guide them, at a good price, either online or face to face in a store.

Not at all difficult, but increasingly unusual.

Given the number of failed retail operations and desperate landlords, we are sure that there will be plenty of sites available!

The message is clear - retailers, of any sort, must adapt or die. So, if your retail operation needs to restructure, call Cheswick. From business asset sales, CVA and through to pre-pack administration we can set a strategy and drive the solutions.

We have extensive retail experience in our own portfolio, our MD Keith Steven, was a retailer for 19 years and in the last 18 years he has turned around pubs, hotels, clothing shops, juice bars, through to tattoo / piercing outlets.

At a Chris Cardell Marketing Mastermind Conference

Brilliant first two hours. Marketing guru sure does open your eyes

Does your business have a REAL. Marketing Plan!

Call Keith Steven he will build you a marketing plan!

020 74166677 or 07903 097052

Had a threat of distraint? How to avoid it.

Some creditors like NNDR - non domestic rates levied by the local authority, HMRC and landlords can use this powerful debt collection technique. DISTRAINT or to distrain against possessions is an ancient process.

Any creditor has the power to enter a property and take possession of goods and assets, if they obtain a court order. However, HMRC or landlords do not need a court order as they have ancient rights to collect their debts. 

If you owe taxes, the first step in the process is usually a visit by an HMRC “field officer” who is usually based locally and whose initial purpose is to check the address and make contact. After that they may enforce the debt by taking “walking possession” of any goods such as stock or equipment, or even cars outside your premises.....

So what is walking possession then?

This is where an HMRC officer or a bailiff (for the County Court) or Sheriff (for the High Court) has visited your premises and obtained entry under such a distraint notice. He /she has asked for payment of the non disputed debts, you don't pay - so he takes possession of the goods before walking away for up to 5 days.

If you cannot do a deal with the creditor  in 5 days, i.e pay in full or in part, then the goods are removed and sold at auction, usually for a pittance that just about covers the distraint costs!

To try and sell the assets, after they are covered in this way is a criminal offence. If the bailiff has obtained a walking possession he can force entry to recover the goods after the 5 day period.  

Threats of distraint or legally taking possession of goods should not be ignored. YOU LOSE CONTROL.

What can be done if you have such a threat. Well firstly consider a business asset sale, secondly place the company into a CVA or company voluntary arrangement (needs time), thirdly you could use an administration process. All these processes are described in detail here; www.companyrescue.co.uk 

We are seeing an increase in the number of distraint actions against our callers. Don't wait for this drastic action by your creditors, ACT NOW.

Call us on 020 7416 6677 now.

Had a threat of distraint ? Call now, it may not be too late to act, the business can be rescued.

Pizza Hut for £1 - CVA to clean up stores

Rutland Partners are to buy UK Pizza Hut company for £1.

We predict a company voluntary arrangement will be used to close or restructure rents on 100 badly performing stores.

Tired brand but huge distribution and presence. I predict the experts at Rutland can turn this around into a quite profitable business. They recently sold an adult nappy business that was possibly a tougher challenge than Pizza Hut?

Fine example of BRILLIANT marketing

Newcastle United to use WONGA as a sponsor!

Watching Twitter right now the marketing results for the very smart people who suggested this to

Newcastle United and

Wonga

must be very content!

THOUSANDS of tweets, mostly ill informed.

One idiot with a calculator suggests that you will owe billions to Wonga if you don't repay after several years, er yes, that is a mathematical result of your skill on a 1.99 calculator, NOT what the company will ever allow.

per my last blog on this subject, remember money is not cheap anymore, simple banking will attract monthly fees soon...and we will see lots more Wonga products online soon.

To the genius with the Poundstretcher calculator, try going overdrawn on a Lloyds bank account without permission for a few weeks and see what that costs. Then do the maths, then remember it is owned by the state

Is Wonga for business a brilliant product or a rip off?

We have had decades of cheap or relatively cheap money. We have had a boom and a bust. In our view money is no longer a cheap or abundant product. And this could last 10 years or more.

In 1983 I had to wait 9 months to get on the list of applicants for a mortgage at my local building society, during which time I had to lodge my pay slips religiously every month. Then 4 months later the magic day came, yes you can have a mortgage!

Should we get used to rationed mortgages, more expensive loans and credit cards? Yes, and more expensive business loans and overdrafts.

Turning to the title of this blog, Wonga has a business product which is in my mind excellent. When visiting their site www.wongabusiness.com you simply enter how much money your company wants up to £15,000 and how long you want to take to pay it back - up to maximum of one year. A slider tool tells you how much you pay. Brilliantly simple.

Of course the whingeing journos in the Daily Mail bleat about 4200% APR for personal loans, which is categorically rubbish. On this page you can see the cost of the fees and interest and you get offered a simple monthly repayment. How easy is that? If you pay that back you can borrow more. Yes woe betide if you don't because personal guarantees (PGs) apply.

Compared to credit cards and credit card cheques (remember them) that I used to start some of my early business ventures, there is not a great deal of difference in cost. For example £15,000 will cost £19,350 to repay, a rate of near 30%.

But you know what? The monthly repayment is shown as 52 weekly repayments of £372.12. So that will seem affordable to many.

Remember a personal credit card is taken out at your personal risk, so what is the difference really to a PG for Wonga?

Whilst many people think the market is dysfunctional in lending to SME businesses I see more products like this coming to market for small companies whilst the old dinosaur banks concentrate on capital adequacy and compliance, not providing banking to small businesses.

How many small businesses will use this to cover emergency VAT payments, or meet rent or wages in a short term cashflow crisis? A lot is my guess.

Company Voluntary Arrangements in Action

Our director Keith Steven is off to Birmingham today to make a presentation to 60 people at the Turnaround Management Association gathering on CVAs in action! Thanks to Gateley for being hosts.

Keith will be presenting a live case study on a retailer KSA Group, our sister company,  turned around recently.

CVAs can help viable but struggling companies restructure debts, cut costs and survive. Long term growth may still be difficult without specialist turnaround advisors.

Rachael Campbell, Gateley LLP, a Turnaround Lawyer will be speaking on legal matters concerning CVAs.

Bryan Green, CEO & Principal, Tnui Ltd., Lawyer, Funder and current President, TMA-UK will speak on numerous aspects for funding distressed businesses and will present his view of CVAs from a funders perspective.

FSB says small companies struggling for finance

Small businesses struggling to raise finance - says FSB survey

 
A common theme in the press now is the inability of small to medium sized companies (SMEs) to raise overdrafts and bank loans. Given that almost all banks do not want any of their customers to have an overdraft for security reasons, this is not surprising. Overdrafts (and none EFG loans) are only covered by a floating charge at best.

Most banks want a fixed charge over property such as the debtor book, equipment or bricks and mortar. This lets them "rank" ahead of the preferential creditors and good old insolvency fees. In a  floating charge recovery, the bank ranks behind the prefs and fees, in addition unsecured creditors are often paid a very modest dividend under the prescribed part, i.e. before the floating charge.

So technical lesson to one side, if when we know banks don't like overdrafts and term loans why bother asking! Apart from EFG type loans the banks are not going to lend, Enterprise Finance Guarantee scheme loans can take 3-6 months, so don't hold your breath.

Asset based lending, private investors, family and friend loans, crowdfunding, new equity and possibly the best option - generation of working capital from PROFITS - are surely the way ahead for most SMEs.

Does this mean slower growth? Yes. Does it mean less business for the big banks? Yes. Does it mean opportunity for more flexible providers of finance, loans, lease finance and equity such as the above? Yes and just maybe that will be a good thing.

 

How to avoid a winding up threat

Call Cheswick Capital, then strategy is (if appropriate):

Business asset sale BEFORE the winding up petition arrives ACT QUICKLY.

Get assets valued, draw up a contract to sell assets for fair value. Sell to third party or your newco.

Experts ready to help in most of the UK

Fees paid by oldco, done properly it's fast, compliant and easy.

Easy process normally but only if you can act quickly. Avoid pre pack!

Failing Company Voluntary Arrangement?

Is your company in a Company Voluntary Arrangement? (CVA)? Can you meet the CVA contributions and the ongoing creditors demands? Is cashflow a serious problem??

Cannot meet VAT or PAYE payments after the CVA was approved?

We can help you restructure the CVA, exit the CVA, or sell the assets to quickly save the business.

We have a small group of specialist funders who can quickly refinance the business, this could include funding an early repayment of the CVA creditors, or find a way of  bridging the gap in your CVA cashflow. Or we can arrange a pre-pack of the business to preserve it and the jobs involved.

With over 500 CVA clients over 18 years, we know a thing or two about CVA's and why they fail or work! But we also have funds and funders that can move quickly to rescue almost any viable business.

Get help NOW - if you need advice, finance or a rescue plan for your CVA call Keith Steven now on 020 74166677.

Turnaround Finance

Is your company facing a cash flow crisis? Got a viable company but need to cut costs and find new money to drive the turnaround you have planned?

Worried about HOW to drive the turnaround?

Call the turnaround experts, not only can we help turn the business around but we can source working capital. With nearly 20 years in the turnaround business we know the "tricks of the insolvency trade", the real sources of turnaround money and how to restructure your company.

See our web site www.cheswickcapital.co.uk/money/

Turnaround expert Keith Steven will happily give you a free consultation (confidential of course) and you will take away options, ideas and a plan for action.

Call 020 7416 6677.

Britain’s Companies Need Capital to Grow. But 1 in 3 Applications Fail.

According to a recent survey by Bibby Financial Services, UK businesses are generally unable to secure funding that they need to grow.  

Bibby’s survey of 1,000 SMEs, found that one in three firms have been unable to secure finance in the past 12 months, with just 9% receiving the amount of funding they applied for. Of the firms which applied for funding, only 19% were able to raise what they described as, the necessary level of capital to invest in their business.

With this shortfall in mind, Cheswick can provide working capital, equity and loans from our own sources, turnaround funds and from our network of high net worth individuals to suitable applicants.

If you have a working capital problem, or if you have a “subprime” company, (which simply means that your company is not deemed to be a prime lending risk by the high street lenders) we may have access to financial products that are not available from those banks, even if they would lend!

Some of the more unusual products are listed below, perhaps these could help your company?

Spot factoring of single invoices from £1,000 to £100,000. This can be provided alongside existing facilities or where normal factoring companies cannot lend. Can’t fund a good new order? Even when your customer (the debtor) has a good balance sheet? Try us we may be able to fund this for you. The product can be bespoke to your situation. Normal security requirements such as a debenture may be required.

We can arrange for emergency invoice lending to “take out” bank debt or invoice finance where the relationship has clearly broken down. In as little as 3 days we can remove an existing lender and replace them with fast, high quality factoring / invoice discounting providers. Don’t let banks bully you into administration, control the banks with our flexible and fast moving providers. We can also advise on pre-pack, CVA or other restructuring tools that can be used alongside this product.

Credit/debit card loans. Quite common now, these providers can advance a loan of up to 8% of your future ANNUAL credit/debit card receipts. The loan is paid off over time as receipts come in.

VAT smoothing loans, for smaller companies. If you cannot meet the VAT payment coming up, please talk to us, we can provide small secured loans, which are repayable over 3 months. This can be a lifeline for a short term cashflow problem. We will require security in the form of a debenture. This product is only available to limited companies in the UK and to a maximum of £7,500 for first time clients. Follow on VAT loans are available in the appropriate circumstances.

Turnaround finance

Call 020 7416 6677 and let's see if we can help you, all enquiries are of course, strictly confidential and we can provide confidentiality agreements if required.

Debt Solutions For Professional Practices

Caller today looking for funds for his professional practice. We have introduced him to a potential investor.

But if that does not pan out and with his bank shutting up shop, we can advise on a business asset sale, informal time to pay deal with HMRC, or a company voluntary arrangement (CVA) through our sister firm KSA Group. There are many ways to fix a cashflow problem. Especially if you do not have experience of HMRC winding up threats.

Looking for solutions and pragmatic advice? Please do call 020 7416 6677 today.

We can fix your HMRC, VAT, PAYE or cashflow problems.

Use our nifty Appointron App to schedule a free appointment

Want a free appointment to speak with an expert turnaround finance provider and expert insolvency advisor??! No fee, a few clicks of your mouse and you too can arrange a free no obligation chat!

Click the  easy to use Appointron app to the left of your screen.

New Saturday morning slots available - private and high quality advice free, must be booked by 3pm on preceding Friday please.

We look forward to helping you with your working capital, cashflow or solvency problems.

Case Study Business Asset Sale Solves Contractors CVA Problems

Case Study Business Asset Sale for client in a CVA 2012:

Cheswick arranged the business asset sale for a company that had entered company voluntary arrangement (CVA) in 2010. This electrical contractor could not maintain or build sales as it was failing more and more of the tendering processes it went through.

CVA is a hugely powerful restructuring tool.  However, most credit rating agencies, incorrectly in our view, regard this as an ongoing insolvency mechanism and remove all credit ratings because of the CVA.

Most of our clients’ large contracts came from large companies and they all require a full tendering process. Because the company was in a CVA and had no credit rating, it found it was losing more and more work.

Problem?

How could the directors act properly, maximise creditors interests and keep the business from collapse? With previous sales of £4m, but now sharply less, the company was set to run out of working capital.

Our solution?

A business asset sale strategy was proposed, in this method the assets are valued externally by a qualified surveyor or business valuation agent. Then the assets are sold through a formal legal process. The “business” is sold to a third party whilst the old “company” remains.

The independent valuation element is crucial to avoid section 238 Insolvency Act 1986, transactions at an undervalue risks.  Your view of the asset value and the author’s may differ but a RICS qualified surveyors report settles the argument and protects directors from liquidators taking action to recover value lost in the sale.

Having had the valuation done, the business, work in progress, goodwill and vans were valued at a little under £20,000. Cheswick instructed the valuers, wrote and negotiated the contract for sale, board resolutions / minutes and made sure that the directors were guided through this difficult process.

“Newco” was a company that had been previously formed and was also owned by the directors and whilst they had to be careful about conflict of interest the overall result is this: oldco supervisors will pay 8p in £1 after the 2nd year of the CVA, to CVA creditors, having paid 3p in £1 in year 1. The liquidation will see a modest dividend to post CVA creditors, (once debtors collected) which are very modest because of lack of credit.  There was no bank borrowing given the banks reticence to fund companies in CVA. Thus creditors interests are maximised by the process, as a better result is obtained overall than in winding up.

No jobs were lost as all transferred to the new company. This maximised the creditors (employees) interests too.

Total time to affect the deal from initial discussion one month.  Total cost including valuation fees?  Please call to ask!

So, if your company is in a CVA and is struggling for credit and cannot tender for new work, call Cheswick now and get advice, there is no fee for initial advice of initial meetings. This will be followed up by a solutions report setting out the options and the (fixed) costs involved.

Please call now 020 7416 6677

Need quick cash for your London limited company?

Small London company? Big cashflow pressure?


Short term loans of £500 to £10,000 available now - interest free* - for limited companies only. You can use this cash for any purpose: pay a VAT bill, PAYE or buy new supplies. It really is up to you!

If you can say yes to these questions then we may be able to help:

1. The bank has said NO to a loan or overdraft?
2. You are director of a limited company based in greater London?
3. You have filed one or more years of annual accounts?
4. There is no advertised winding up petition from any creditors?  But if you have threats of winding up petitions call us.
5. The loan can be repaid over a maximum 13 weeks.
6. The company can afford a flat loan fee of 20% - no interest is charged.
7. The company is trading?

YES? If you have answered yes, we can probably help. Any type of company can apply.

You need to email now on info@cheswickcapital.co.uk or call Keith Steven on 020 7416 6677 or mobile 07903 097052 today.


Here is the small print!

Please note terms and conditions apply; we reserve the right to refuse a loan without providing any reasons. We may require security in the form of a debenture over the company and or personal guarantees (PG) for larger loans, but we may not take a PG if you can persuade us not take one.

We will require sight of filed accounts and a written summary of current liabilities and assets. You can use the loan for any purpose....VAT, PAYE, suppliers, rates, buy stock. It is up to you.

* Cheswick Capital is not a bank, it is not authorised or regulated by the FSA. We are experienced turnaround experts who know that companies need a helping hand occasionally. We charge a quarterly fee for the loan, not interest. We will take a genuine personal interest in your business and try to help solve problems, if you ask us to.

** If the loan is not repaid in 13 weeks we will reserve the right to apply additional fees of 15% per month on the outstanding balance. A bit like your personal credit cards charge you.

*** We will be available to answer any questions, once the loan has been made, on a dedicated email address or phone line. We will answer within 24 hours.

And..... that is it.

Contact us today....

Cheswick Capital, 20 Hanover Square, London, W1S 1JY. 020 7416 6677     

Sell your struggling company to Cheswick Capital

Often directors of small companies find the daily cashflow pressure and "fire fighting" too much. If you wish to sell up and move on in your life, why not consider selling to Cheswick Capital?


With our huge turnaround experience we can often devise recovery strategies and provide working capital, management and drive.

If you have other business interests and want to focus on these, give Cheswick a call.

Pressure from the taxman? Sell the business to your newco

Got lots of pressure from the taxman, or creditors? Do you have a viable business?

Did you know we can help you quickly move the business? This can be done quickly provided it is done properly, legally and cost effectively to preserve jobs and the business. Call us now or send us an email. Our national team can be helping you fix your problems in a day or so.

Cheswick Capital 20 Hanover Square
London
W1S 1JY
T: 020 7416 6677      E: info@cheswickcapital.co.uk

Huge pressure, getting tired of the daily slog, have a plan to retire? Want out? SELL THE BUSINESS AND DUMP THE DEBTS

Get help now - visit our guide to business asset sales here

If you or a third party or related parties wish to buy the business without debts, then this is a quick method. Done properly and legally there is often no recourse or need to appoint administrators. Secured lenders like factoring companies, they simply collect out the debtor book. Cheswick may buy your business, or one of our cash-rich trade buyers could be interested. Or you/ your colleagues can buy the business with our help.

News today that the main banks have provided much lower lending to SME's in quarter 1, isn't a surprise. We are seeing a  stream of companies, looking for funds, where the bank has said no. Call Cheswick today if you need funding. From our own or our investors pots we can provide loans, equity, factoring and turnaround management.

We move quickly to provide solutions with no upfront fee or costs, call Keith Steven 07903 097052

Huge pressure? Too much debt? Cashflow a problem? Cannot see how to continue with your company? Interested buyers out there?

Too much debt? Cashflow drying up? Want to sell to another company and do something else?

Call us now or read our special page here how to sell the business quickly and legally.  BAS or business asset sale could solve a lot of your problems.

Based in greater London? Want to sell up and get out of the business, we will buy your business quickly

Stop sleepless nights, call now.................

Cheswick Capital 20 Hanover Square
London
W1S 1JY
T: 020 7416 6677
E: info@cheswickcapital.co.uk

Business Asset Sales

Company facing insolvency but only modest assets? Sell them to a third party or a new company for fair value. Then close the old company down. Dissolution may be the easiest way.

Ideal for smaller companies. Cheswick Capital can drive this process and guide you as directors. Call now. 07903097052

Cheswick Capital Can Acquire Your Struggling Company

Had enough of the pressure of running your company? Want out? Retirement ahead but no successor?

Sell your company!

Whether the business is loss making, insolvent, breakeven plus or profitable, we and our funding partners are very keen to acquire your business smoothly, with minimum hassle.

Here at Cheswick we can move quickly to buy your business, free you of the shackles of being a director and help you move on with you life.  Even if the business has serious cashflow pressures we have huge turnaround experience we have management teams available and we can quickly complete.

Want to know more. Call Keith Steven now on 020 7416 6677 or 07903 097052.

Recruitment company? call now.

Cheswick Capital Launches 4M Programme

Our 4M programme sets out support for SME companies who are growing, or with cashflow challenges who cannot get funding from the UK clearing banks and who may need guidance on

• Money; loans, equity, factoring, merchant credit card loans, business angels investment, debt restructuring and other innovative financial solutions
• Management, high quality financial management (forward looking management  accounting) ITC strategies, management and implementation, marketing management and turnaround management
• Mentoring; non executive directors, chairman, eminence grise, turnaround directors, grey hairs who have built businesses and will help you avoid making the mistakes they made! Someone to guide you
• M&A; had enough and want to sell your business? Acquire turnaround opportunities, distressed business asset sales, pre-pack without the pain

Running a small business is a tough lonely demanding job. Turn to Cheswick Capital when answers are not easy to come by.  Want to pack it all in, cashflow and business just too tough?! Wait. Talk to us first, we can see the wood and the trees after turning around more than 500 SMEs.

Call 020 7416 6677
m: 07974 086779
e: keithsteven@cheswickcapital.co.ukw: www.cheswickcapital.co.uk

Contact us now to learn more.