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Copenhagen, Denmark Strategy, M&A
2 years experience
  • Commercial Due Diligence
  • Business Strategy
  • M&A
  • Business Development
  • +2
Hire Elias
Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia M&A, Venture Capital
4 years experience
  • Commercial Due Diligence
  • Financial Modeling
  • Business Strategy
  • M&A
  • +12
Hire Oscar
Amsterdam, North Holland, Netherlands Strategy, M&A
7 years experience
  • Commercial Due Diligence
  • Financial Modeling
  • Business Strategy
  • M&A
  • +17
Hire Michael
London Strategy, M&A
3 years experience
  • Commercial Due Diligence
  • Business Strategy
  • Due Diligence
  • Competitive Analaysis
  • +5
Hire Nick
EMEA Strategy, M&A
20 years experience
  • Commercial Due Diligence
  • Business Strategy
  • M&A
  • Due Diligence
  • +10
St Paul, Minnesota, United States Strategy, M&A
20 years experience
  • Commercial Due Diligence
  • Business Strategy
  • Corporate Finance
  • Business Development
  • +4
Hire Ronald
Centennial, CO, USA Strategy, M&A
10 years experience
  • Commercial Due Diligence
  • Sales
  • Mergers & Acquisitions
  • Corporate Development
  • +26
Hire Curtis
France Strategy, M&A
5 years experience
  • Commercial Due Diligence
  • Financial Modeling
  • M&A
  • Corporate Finance
  • +6
Hire Pratik
Commercial Due Diligence consultants help buyers in an M&A process to analyze the commercial performance of a target, and if they can live up to growth expectations.

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Frequently asked questions

What clients usually engage your Commercial Due Diligence Consultants?

We work with clients from all over the world. Our clients range from enterprise and corporate clients to companies that are backed by Private Equity or Venture Capital funds. Furthermore, we work directly with Family Offices, Private Equity firms, and Asset Managers. Most of our enterprise clients have dedicated Corporate Development, M&A, and Strategy divisions which are utilizing our pool of Commercial Due Diligence talent to add on-demand and flexible resources, expertise, or staff to their in-house team.

How is Fintalent different?

Fintalent is not a staffing agency. We are a community of best-in-class Commercial Due Diligence professionals, highly specialized within their domains. We have streamlined the process of engaging the best Commercial Due Diligence talent and are able to provide clients with Commercial Due Diligence professionals within 48 hours of first engaging them. We believe that our platform provides more value for Corporates, Ventures, Private Equity and Venture Capital firms, and Family Offices.

Our Hiring Process – What do ‘Community-Approach’ and ‘Invite-to-Apply’ mean?

‘Invite-to-Apply’ is the process by which we shortlist candidates for the majority of projects on our platform. Often, due to the confidential nature of our clients’ projects, we do not release projects to our whole platform but using the matching technology and expertise of our internal team we select candidates who are the best fit for our clients’ needs. This approach also ensures engagement with our community of professionals on the Fintalent platform, and is a benefit both to our clients and independent professionals, as our freelancers have direct access to the roles best suited to their skills and are more likely to take an interest in a project if they have been sought out directly. In addition, if a member of our community is unavailable for a project but knows someone whose skill set perfectly fits the brief, they are able to invite them to apply for the role, utilizing the personal networks of each talent on our platform.

Which skills and expertise do your Fintalents have?

The Fintalents are hand-picked and vetted Commercial Due Diligence professionals, speak over 55 languages, and have professional experience in all geographical markets. Our Commercial Due Diligence consultants’ experience ranges from 3+ years as analysts at top investment banks and Strategy consultancies, to later career C-level executives. The average working experience is 6.9 years and 80% of all Fintalents range from 3-12 years into their careers.

Our Commercial Due Diligence consultants have experience in leading firms as well as interfacing with clients and wider corporate structures and management. What makes our Commercial Due Diligence talent pool stand out is the fact that they have technical backgrounds in over 2,900 industries.

How does the screening and onboarding of your Commercial Due Diligence talent work?

Fintalent.io is an invite-only platform and we believe in the power of referrals and a closed-loop community. Members of our community are able to invite a small number of professionals onto the platform. In addition, our team actively scouts for the best talent who have experience in investment banking or have worked at a global top management consultancy. All of our community-referred talent and scouted talent are subject to a rigorous screening process. As such, over the last 18 months totaling more than 750 hours of onboarding calls, of which only 40% have received an invite-link after the call.

What happens if I am not satisfied with my Commercial Due Diligence consultant’s work?

During your initial engagement with a member of our Fintalent talent pool with no risk. If you are not satisfied with the quality of your hire for any reason then we are able to find a replacement at short notice. There is no minimum commitment per project, but generally projects last at least 5 days and can last 12+ months.

We are a community-based M&A staffing platform.

With our platform, you can fill full-time M&A roles, or staff your team with a Commercial Due Diligence expert when you need an extra hand.

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On-demand M&A deal staffing

Get full flexibility and add M&A team members from analyst to VP level on demand and on a per-deal basis.

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Hire the best talent for your Corporate M&A team. Our platform approach gets you in front of the right candidates, incredibly fast.

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Everything you need to know about Commercial Due Diligence

What is commercial due diligence?

Many factors can cause businesses to go bankrupt, and having knowledge of what these factors are will allow you see if your potential partner is vulnerable or not before embarking on a a Merger or Acquisition. A commercial due diligence helps shed light on the actual state of a firm or business, allowing investors to make informed decisions.

Investopedia describes Commercial Due Diligence as the process of verifying that a particular business is a legal entity and it has the requisite licenses to function as a legal entity. There are significant differences between due diligence and investigations. A due diligence review primarily seeks to verify that specific entities are not illegal, whereas an investigation seeks out illegal activities.

Fintalent’s Commercial due diligence consultants define it as the process of examining a business’s financial records and interviewing its officers, directors, and major stakeholders to determine its worthiness before making a decision to invest in it. It refers to an examination of whether a company or venture is worth investing in. It can also be referred to as “proprietary investigation”, “preliminary inquiry”, and “preliminary analysis”. Commercial due diligence includes interviews with the company’s officers and directors, as well as a review of the company’s financial statements.

Results of commercial due diligence

For a business entrepreneur, the results of the due diligence will help determine whether to proceed with the planned investment.

Use of a company due diligence report is not to be confused with “shareholder due diligence” (SDD) which refers to an examination that is made by an interested party when they are considering acquisition of shares in a public company. The interested party may use a commercial due diligence report from any source but often pays for it from his own funds and then uses it at his own risk. Shareholder’s may also carry out their own SDD.

Commercial due diligence as part of the M&A process

Commercial Due Diligence (CDD) is one of the most important phases of acquisition or merger in any business transaction, big or small. It is a time-consuming process that could cost you time, money, and risk. It is a very detail-oriented process that will examine all aspects of the company being considered and uncover numerous potential problems. A solid Commercial Due Diligence report can also uncover many beneficial issues pertaining to the target company; such as tax breaks, cost savings, revenue enhancements, negotiating power with suppliers and vendors.

A well planned and executed commercial due diligence process can be used to positively impact negotiations by helping two parties reach an agreement without going to court or arbitration.

The due diligence process allows parties in an acquisition or merger to better understand each other’s business operations, financials, current and future outlooks and risks. It is an important step to protect both their position and interests.

Time investment for commercial due diligence

Due diligence is a time-consuming process that could significantly impact an investor’s ability to close the deal on the agreed upon terms. You need to be fully prepared for what you expect to find out. You need to have your ducks in a row and your plan of action all ready as you head into the thick of things. A solid commercial due diligence process can save you time, money, and risk, but it comes with some caveats:

This process can take anywhere from 2 weeks to 6 months depending on the complexity of the company being examined and all its associated risks. A proper and thorough commercial due diligence process can be very costly. It is not just the cost of hiring a professional firm to conduct the due diligence that you must be prepared for. It is also the time it will take them to complete the process. If they find something they consider material and that you did not anticipate they are going to have to spend more time investigating it and that could mean another bill coming your way.

As part of your plan you need to give them permission for reasonable access to all employees, records, property, facilities, etc.. you may have to pay for the time they spend on the phone with employees, reviewing documents, and conducting inspections of your plant.

It is not just the monetary aspect that you need to be prepared for. There is also the possibility that their findings could cause a deal breaker. You can’t force an investor to proceed with a deal once due diligence has uncovered a problem. The best you can do is hope it doesn’t happen and then decide how to proceed from there. It could leave you in a very difficult position and force you into settling for less than what was initially agreed upon or possibly forcing you out of your business altogether.

The bottom line is that if you want to save money on a deal then do the due diligence yourself, if the investor wants it done by a firm then you will be better off hiring one from reliable sources such as Fintalent which offers a vetted community of tier-1 M&A and strategy talent as well as an array of qualified Commercial due diligence consultants.

Commercial due diligence can uncover many beneficial issues pertaining to the target company; such as tax breaks, cost savings, revenue enhancements, negotiating power with suppliers and vendors. It is not just limited to this alone however as it also helps an investor understand the climate of the market. This can sometimes lead to better deals or extensions that could be passed on to customers and suppliers. In some cases it can even lead to a termination of contracts or buying more on time than expected in order to meet demand.

12 Key Steps for carrying out effective Commercial Due Diligence

Fintalent’s commercial due diligence experts recommends the following 12 key steps for individuals seeking to carry out an effective commercial due diligence:

  1. Determine what kind of relationship you are looking for. Some businesses such as hospitality and construction may want to explore the possibility of doing business with a company. Other industries like mining and pharmaceuticals may not want to do business with an individual, as they often involve exceptionally large sums of money.
  2. Locate information online or via telephone. The information that you need may already be on the Internet. This is especially true if you are trying to assess a company or individual’s reputation.
  3. Check out the background information of any prospective partners. This can be either through the press clippings that the companies or individuals may have released about themselves, or by visiting their websites for more detailed information.
  4. If a company or individual has provided background information, contact them directly to confirm the information. If they are vague or evasive, do not continue with this part of the process.
  5. In many cases, there will be a conflict of interest warning in place. This could be via a press release, or it could be in the form of an electronic conflict of interest form. Be sure to check for these and make any necessary changes to your business plan accordingly.
  6. Check out other financial statements from third party sources such as Morningstar. Ensure that you have a solid understanding of what kind of return you can expect from this type of relationship.
  7. If possible, contact the company or individual directly to get a more direct feel for what kind of working relationship you are going to have. If this is not possible, ask them to provide a list of references.
  8. Have a good understanding of the financial backing available before you begin investing your own money and time into this prospective relationship. Things can go wrong and if they do, you want to make sure you have been indemnified appropriately according to the contract. This will help ensure that your investment is protected in case things go badly. If there is no contract in place, then be prepared for the worst case scenario when it comes to dealing with this prospective partner.
  9. Begin having discussions with prospective business partners about the kinds of legal protections that will be in place for you. This may include things like warranties or guarantees, or even indemnities against various normal business practices.
  10. Know when to walk away. If you have been doing your due diligence correctly and getting the same information from a number of different sources, you should be able to tell if this is a good deal or not. If a company is unwilling to provide any information, then that can be a red flag too. Consider whether this will be an actual partnership, or actually just a relationship where someone else has all the power and you have none.
  11. After the relationship, be sure to document your findings. If things go well, this will help you to remember why you chose this relationship and what went right during the course of your working relationship. If things go wrong, you will have documentation that can help you decide whether it is better to cut ties or try again in another way.
  12. Finally, use the information gleaned from the due diligence process to shape your future business plan and work towards creating a mutually beneficial relationship.

With these steps in mind, you should be able to conduct a successful due diligence on prospective partners.

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Case studies

Want to become a Fintalent?

»Fintalent gives me access to high potential strategy and M&A professionals, efficiently and fast. Their quality is unmatched in the industry. Fintalent is here to fundamentally change the way companies run high-impact M&A projects.«

Melik Salmi
Seyfi Melik Salmi
Senior Director Corporate Development & Strategy at SAP

»Fintalent was able to provide consulting advice in very little time for one of our latest M&A projects. The support was hands-on, pragmatic and of high quality and was as a result critical to advance the project we were not able to properly address in the classical way.«

Dr. Fabian Kley
Dr. Fabian Kley
Head of Group Strategy and M&A at MAN Energy Solutions SE

»Inorganic growth is a big part of our strategy. We were looking for a global partner to help us with our buy-side M&A projects, and found Fintalent. From first contact to project start took less than 2 weeks. The quality of talent is exceptional. Now, we’re already talking to potential targets.«

Bart van Acker
Bart van Acker
CEO, QbD Group