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Commercial Finance Services
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Commercial Finance Services

Drive profitability through strategic pricing, contract negotiation, and commercial analysis. Make better business decisions with financial rigour.

What's Included

Pricing strategy development and review
Contract negotiation support
Client and project profitability analysis
Margin analysis and improvement
Revenue optimisation strategies
Commercial due diligence
Make vs buy analysis
Investment case development

Commercial Excellence Drives Performance

Profitable growth doesn’t happen by accident. It requires rigorous attention to pricing, costs, and commercial decisions—the activities that determine whether your revenue converts to bottom-line profit.

The common gap: Many businesses have good financial reporting but weak commercial finance. They know their overall profitability but not which customers, products, or projects actually make money. They negotiate contracts without modelling the financial implications. They make investment decisions based on gut feel rather than rigorous analysis.

At Oppenheim Advisory, we bring financial rigour to commercial decision-making. Our experience across multiple businesses means we’ve seen what works—and what destroys value.

Pricing Strategy

Pricing is often the largest lever for improving profitability. A 1% price increase typically flows straight to profit, yet many businesses underprice their products and services.

Common Pricing Challenges

  • Cost-plus mentality: Pricing based on cost rather than value delivered
  • Competitive fear: Underpricing to win business, then struggling to profit
  • Inconsistency: Different prices for similar work without clear rationale
  • Scope creep: Delivering more than priced without adjustment
  • Discounting habits: Easy discounts that erode margins over time

Our Pricing Approach

Analysis:

  • Review current pricing and its evolution
  • Analyse profitability by customer, product, service
  • Benchmark against market where possible
  • Identify pricing improvement opportunities

Strategy Development:

  • Define value proposition and positioning
  • Develop pricing framework and guidelines
  • Create tools for pricing decisions
  • Establish governance and approval processes

Implementation:

  • Support pricing conversations with customers
  • Track price realisation
  • Monitor competitive response
  • Refine approach based on results

Contract Negotiation Support

Major contracts can make or break profitability. The terms you agree to have long-lasting financial implications.

Areas We Help With

Pricing Structure:

  • Fixed price vs time and materials
  • Volume discounts and commitments
  • Price escalation clauses
  • Change order mechanisms

Payment Terms:

  • Payment timing and milestones
  • Advance payments and deposits
  • Late payment penalties
  • Currency and banking arrangements

Risk Allocation:

  • Limitation of liability
  • Indemnities and warranties
  • Insurance requirements
  • Termination provisions

Long-term Obligations:

  • Exclusivity arrangements
  • Volume commitments
  • Service levels and penalties
  • Renewal and exit terms

Our Role in Negotiations

We provide financial analysis and support throughout:

  • Preparation: Model different scenarios, identify priorities
  • During negotiation: Real-time analysis of proposed terms
  • Documentation: Review contract for financial implications
  • Governance: Ensure appropriate approvals obtained

Profitability Analysis

Understanding where you actually make money is fundamental to commercial success.

Client Profitability

For each customer, we calculate true profitability:

  • Revenue (gross and net of discounts)
  • Direct costs (cost of goods, direct labour)
  • Indirect costs (account management, support)
  • Allocated overheads (where meaningful)

Insights often include:

  • Large customers subsidising smaller ones
  • High-maintenance clients consuming disproportionate resources
  • Pricing that doesn’t reflect cost to serve
  • Opportunities for pricing adjustment or efficiency improvement

Product/Service Profitability

Similar analysis by product or service line:

  • True cost including all relevant expenses
  • Contribution margin by offering
  • Cross-subsidies between products
  • Investment priorities

Project Profitability

For project-based businesses:

  • Estimate vs actual analysis
  • Scope creep quantification
  • Resource efficiency
  • Learning for future pricing

Investment Analysis

Major decisions deserve rigorous financial analysis:

Investment Case Development

We build comprehensive models for:

  • New product development
  • Market entry
  • Capital expenditure
  • Acquisition opportunities
  • Strategic initiatives

Model Components

  • Revenue projections with assumptions
  • Cost analysis (development, ongoing)
  • Working capital requirements
  • Financing and capital structure
  • Return metrics (NPV, IRR, payback)
  • Sensitivity analysis

Scenario Planning

We present multiple scenarios:

  • Base case (most likely)
  • Upside (things go well)
  • Downside (challenges materialise)
  • Break-even (what needs to be true)

Commercial Due Diligence

When acquiring or investing in another business:

What We Assess

  • Revenue quality: Recurring vs one-off, customer concentration, contract terms
  • Pricing sustainability: Market position, competitive pressure, margin trends
  • Growth prospects: Market trends, competitive position, pipeline quality
  • Risk factors: Customer dependencies, technology shifts, regulatory changes

Our Output

  • Detailed commercial due diligence report
  • Identified issues and mitigation strategies
  • Valuation implications
  • Negotiation recommendations

Case Study: Pricing Transformation

A professional services firm was growing revenue but seeing flat margins. Our analysis revealed:

Issues Found:

  • Top 3 clients were the least profitable due to legacy pricing
  • Standard rates hadn’t increased in 3 years
  • Discounting averaged 15% with no correlation to client value
  • Scope creep was costing £200k annually

Actions Taken:

  • Renegotiated top client contracts over 12 months
  • Implemented annual price increase mechanism
  • Created discounting guidelines with approval requirements
  • Introduced change order process for scope additions

Results:

  • Average realised rate up 12%
  • Gross margin improved from 42% to 48%
  • Annual profit increase of £350k
  • Customer retention remained strong (98%)

Getting Started

Ready to improve your commercial performance? We offer:

  1. Commercial Assessment: Review your pricing, contracts, and profitability
  2. Quick Wins: Identify immediate improvement opportunities
  3. Strategy Development: Create comprehensive commercial improvement plan
  4. Implementation Support: Help you execute and track results

Ready to drive profitable growth? Book a free consultation or call us on 07990 835891 to discuss your commercial challenges.

Key Benefits

Higher Margins

Strategic pricing and cost management directly improve your bottom line.

Better Deals

Financial rigour in negotiations leads to more favourable contract terms.

Informed Decisions

Robust analysis gives confidence in investment and strategic choices.

Risk Awareness

Understand the financial implications before committing to deals.

Competitive Edge

Commercial excellence differentiates you from less sophisticated competitors.

Sustainable Growth

Profitable growth creates resources for continued investment.

Frequently Asked Questions

How can you help improve our pricing?

We start by understanding your current pricing approach and market position. Then we analyse profitability by customer, product, and service to identify where you're underpricing. We develop pricing frameworks, help implement changes, and track results. Many businesses find 5-15% margin improvement is achievable through better pricing.

What's involved in contract negotiation support?

We help you analyse the financial implications of contract terms: pricing structures, volume commitments, payment terms, penalties, and long-term obligations. We model different scenarios, identify negotiation priorities, and often join negotiations to provide real-time financial analysis. This ensures you don't agree to terms that look good but cost you money.

Do you help with buy-side commercial due diligence?

Yes, we conduct commercial due diligence for businesses considering acquisitions. This includes analysing target company revenue quality, customer concentration, pricing sustainability, competitive position, and growth prospects. Our reports help you decide whether to proceed and inform your negotiating position.

What is client profitability analysis?

Client profitability analysis calculates the true profit you earn from each customer, allocating all relevant costs. Many businesses are surprised to find their largest customers aren't their most profitable—and some clients actually lose money. This insight enables better pricing, resource allocation, and sometimes difficult conversations about unprofitable relationships.

Can you help with investment decisions?

Absolutely. We build financial models for investment decisions: new products, market entry, capital expenditure, acquisitions, or strategic initiatives. Our models include sensitivity analysis showing how returns vary with different assumptions. We present investment cases to boards and help you make confident, well-informed decisions.

Ready to Get Started?

Book a free consultation to discuss how our commercial finance services services can help your business grow.