Accounting Controls & Systems




Design consulting of a comprehensive management and functional accounting system.

Bank Consulting




Hands-on consulting to assist banks with a variety of needs, including acquisition of banks, disposal of foreclosed assets, management placement and select real estate assignments.

Banking Duress




Managing interaction between a company and financial institutions when company is in crisis.

Business Model




The business model is the core template defining who the business serves, what the services and products are, and how the company makes money. Business Models have a limited life span and need to be examined continuously in order for the company to stay aligned with its market(s) and to maximize its value and performance. Even slight misalignments in the business model can create a significant drag on company performance and value.

Business Valuation




The process of examining various economic factors of a business using predetermined formulas to assess the value of the business or an owner’s interest in a company. Business valuation may be conducted to provide an accurate snapshot of the company's financial standing to present to current or potential investors. The Internal Revenue Service requires that a business be valued based on fair market value.

Buy-Side Advisory




Heritage Capital Group assists strategic buyers, business owners or investors who want to acquire companies with annual sales between $10 million and $100 million.

Capital Placement




Securing investments from private investors for company expansion, growth or debt management.

Corporate Reorganization




Restructuring is the corporate management term for the act of reorganizing the legal, ownership, operational, or other structures of a company for the purpose of making it more profitable, or better organized for its present needs. ...

Credit Monitoring




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Debt Financing




Part of a firm's total financing, it commonly comprises of (1) short-term bank borrowings (such as overdraft), (2) cash raised through debt instruments (such as bonds), (3) off-balance-sheet financing (such as operating leases), (4) and trade credit.

Debt Placements




Private sale of debt to investors as a financial tool for struggling companies.

Economic Consulting




Counsel and planning for enhancing the production and distribution and consumption of goods and services and their management

Equity Capital




Invested money that, in contrast to debt capital, is not repaid to the investors in the normal course of business. It represents the risk capital staked by the owners through purchase of a company's common stock (ordinary shares). Equity capital is also called equity financing or share capital.

The value of equity capital is computed by estimating the current market value of everything owned by the company from which the total of all liabilities is subtracted. Equity capital is listed as stockholders' equity or owners' equity on a balance sheet.

Execution Structures




Execution structures include those processes and frameworks that ensure the business model and strategic plan – as well as all day to day operations work – is executed in a timely, efficient and effective manner. The structures include the operations plan, the budgeting process, performance review activities, decision frameworks as well as the values of the firm.

Exit Planning Strategies




An exit strategy is the planned exit of an owner from their business.

Just as you needed a plan to get into business, you'll need a plan to get out of it. Selling or otherwise disposing of a business requires some forethought, strategizing and careful implementation to ensure the outcome is what you expect and need to successfully transition from business ownership into the next phase of your career and life. A number of factors known as value drivers influence the value of a business. The key to a comprehensive exit strategy is to devise the ways and means to manage controllable factors like staffing, equipment or technology upgrades that will create fundamental value in your business now and over time so that when you are ready to make a transition, your business is at its highest value.

An exit strategy ought to be included in your business plan and implementation of the strategy scheduled over an extended period of 3-5 years.

Financial Restructuring




Financial restructuring is a strategy that eliminates the liquidation of Company. The process usually it involves agreement by third parties to satisfy creditors claims under certain terms and conditions. Financial restructuring may also be carried out by concluding an agreement with all creditors of the Company under which creditors will be paid on somewhat different terms than those initially accepted by the Company when credit and loans were extended. This form of financial restructuring enables the Company to continue its operations and minimize creditor's losses.

Foreclosed Asset Disposition




To evaluate and quantify disposition options including, but not limited to the following: subsequent build-out/sale, REO liquidation, note sale, short sale, loan modification, restructured refinance to other lending sources.

Growth Equity




Private investments with a defined financial return to facilitate a company's growth.

Incentive System Design




Development of sales incentive program that is conducive to business growth.

Industry Consulting Transportation, Distribution, Logistics, Supply Chain




Counsel and strategic planning advisory concerning the network created amongst different companies producing, handling and/or distributing a specific product. Specifically, the supply chain encompasses the steps it takes to get a good or service from the supplier to the customer. Supply chain management is a crucial process for many companies, and many companies strive to have the most optimized supply chain because it usually translates to lower costs for the company. Quite often, many people confuse the term logistics with supply chain. In general, logistics refers to the distribution process within the company whereas the supply chain includes multiple companies such as suppliers, manufacturers, and the retailers.

Supply chains include every company that comes into contact with a particular product. For example, the supply chain for most products will encompass all the companies manufacturing parts for the product, assembling it, delivering it and selling it.

Interim CFO Services




Consulting arrangement for hand-on management of particular financial needs.

Mergers & Acquisitions




In business or economics a merger is a combination of two companies into one larger company. Such actions are commonly voluntary and involve stock swap or cash payment to the target. Stock swap is often used as it allows the shareholders of the two companies to share the risk involved in the deal. A merger can resemble a takeover but result in a new company name (often combining the names of the original companies) and in new branding; in some cases, terming the combination a "merger" rather than an acquisition is done purely for political or marketing reasons.

Classifications of mergers

  • Horizontal mergers take place where the two merging companies produce similar product in the same industry.
  • Vertical mergers occur when two firms, each working at different stages in the production of the same good, combine.
  • Conglomerate mergers take place when the two firms operate in different industries.

A unique type of merger called a reverse merger is used as a way of going public without the expense and time required by an IPO.


The occurrence of a merger often raises concerns in anti-trust circles. Devices such as the Herfindahl index can analyze the impact of a merger on a market and what, if any, action could prevent it. Regulatory bodies such as the European Commission and the United States Department of Justice may investigate anti-trust cases for monopolies dangers, and have the power to block mergers.

The completion of a merger does not ensure the success of the resulting organization; indeed, many (in some industries, the majority) mergers result in a net loss of value due to problems. Correcting problems caused by incompatibility—whether of technology, equipment, or corporate culture—diverts resources away from new investment, and these problems may be exacerbated by inadequate research or by concealment of losses or liabilities at one of the partners. Overlapping subsidiaries or redundant staff may be allowed to continue, creating inefficiency, and conversely the new management may cut too many operations or personnel, losing expertise and disrupting employee culture. These problems are similar to those encountered in takeovers. For the merger to not be considered a failure, it must increase shareholder value faster than if the companies were separate, or prevent the deterioration of shareholder value more than if the companies were separate.

Organization & Culture Transformation




In the end, it is people making the right decisions and pursuing the right activities at the right time, efficiently and effectively that causes a company to succeed. The right people need to be placed in an organization structure that aligns with the models, strategies and plans of the company. The culture needs to be such that people thrive on openness, cooperation, improvement and good execution. A focus on open and ever-expanding mindsets is necessary to support the innovation that drives value creation and success.

Performance Improvement and Shareholder Value Creation




Shareholder Value

A value-based performance measure of a company's worth to shareholders. The basic calculation is net operating profit after tax (NOPAT) minus the cost of capital from the issuance of debt and equity, based on the company's weighted average cost of capital.

Performance improvement

Performance improvement is the concept of measuring the output of a particular process or procedure, then modifying the process or procedure to increase the output, increase efficiency, or increase the effectiveness of the process or procedure.

In organizational development, performance improvement is the concept of organizational change in which the managers and governing body of an organization put into place and manage a program which measures the current level of performance of the organization and then generates ideas for modifying organizational behavior and infrastructure which are put into place to achieve higher output. The primary goals of organizational improvement are to increase organizational effectiveness and efficiency and to improve the ability of the organization to deliver goods and or services. A third area sometimes targeted for improvement is organizational efficacy, which involves the process of setting organizational goals and objectives.

Performance improvement at the operational or individual employee level usually involves processes such as statistical quality control. At the organizational level, performance improvement usually involves softer forms of measurement such as customer satisfaction surveys which are used to obtain qualitative information about performance from the viewpoint of customers.

Portfolio Company Measurement and Tracking




Monitoring of financial status of corporate investments.

Rapid Process Improvement




Every company is a collection of processes that contribute to the delivery of a product or service to their customers—either efficiently, inefficiently, or somewhere in between. BVI's Rapid Process Improvement (also known as "Value Stream Analysis" or "VSA") is a lean management tool that provides a methodical approach for you and your team to quickly identify, map, and improve the processes in your organization. In other words, we can help you figure out how you do what you do more effectively and efficiently so that you save or make more money.

Real Estate Work-Out




Development and execution of key strategies to correct failing real estate developments and properties.

Sell-Side Advisory




A successful sales deal is one that reaps the greatest value for the business owner. Making the deal come together successfully is how Heritage Capital Group will be one of your greatest assets.

Strategic Business Plan




The Strategic Business Plan is built on the blueprint provided by the Business Model and plots the way forward for a business. It clearly defines the ongoing development work and the resource requirements for executing the business model, for expanding it to new customers and markets, and for keeping the model current. The absence of a good strategic business plan is akin to a ship without a rudder.

Strategic Planning




Determination of the steps required to reach an objective that makes the best use of available resources. In marketing, a strategic plan involves selecting a target market segment or segments and a position within the market in terms of product characteristics, price, channels of distribution, and sales promotion. Part of a strategic plan involves deciding whether to enter a new untapped market, to grow an existing market, to dominate an existing market, or to dominate a small segment of an existing market by replacing competitors or by filling an unmet need.

Turnaround & Crisis Management




Hands-on management for a wide range of financial issues.

Value Enhancement




Central to the success of positioning your company to reach your goals is implementing a strategic plan that will maximize the value of your company.