About CFA

Christo Balfe

Founder & CEO | Commercial Finance Advisors Ltd

With over 30 years in business, I understand the practical challenges behind a funding requirement. My background spans waste management, environmental services, logistics and commercial operations.

Through CFA, I help businesses and project owners explore funding routes for capital requirements from €2 million to €1 billion, connecting credible propositions with suitable institutional investors, lenders and funding partners.

We work with 32 specialist partners globally, bringing credible projects to CFA for assessment. Alongside our funding partners’ directors and dedicated analyst teams, we help review and prepare suitable projects for funding through deal analysis, gap analysis, Information Memoranda and detailed financial reviews.

Experience That Matters:

Commercial Experience Before Finance:
My career brings together more than 30 years across commercial industry and finance. Before building institutional funding relationships, I spent two decades working in businesses where operational performance, customer relationships, equipment investment and cash flow mattered every day.

A Practical Business Background:
My previous roles include Regional Business Manager with GRID Finance, Commercial Sales Manager with Oxigen Environmental and Panda Ireland, and Business Development Manager with A1 Waste and The City Bin Co. Alongside commercial sales and business development, my experience spans facility management, logistics and large-scale equipment procurement.

Why That Matters to Your Project:
That background helps me look beyond the headline capital requirement. I want to understand how your business operates, what the funding will deliver and the commercial case behind it. It gives me a practical perspective when reviewing a proposition and discussing it with potential funding partners.

I founded Commercial Finance Advisors Ltd in 2019, bringing that operational experience together with a decade of institutional finance relationships to help businesses explore alternative funding routes when traditional financing falls short.

International Reach:

Irish Roots. International Connections:
CFA Ltd is an Irish-registered project finance advisory firm, incorporated in 2019. Operating from Galway, Ireland, and Rīga, Latvia, we work internationally, with active funding partners across 10 countries and a curated database of more than 5,000 institutional investors, lenders and funding partners.

A Range of Capital Routes:
Our network spans institutional lenders, family offices, private equity, venture capital and sovereign wealth funds. Depending on the proposition, we explore debt, equity and hybrid routes for project finance, acquisitions, business growth, development and trade finance, including Convertible Loan Notes where appropriate.

Specialist Institutional Relationships:
Our primary London-based institutional partner brings more than 20 specialists and a network of lenders, 17 family offices and seven institutional partnerships. Complementary relationships include a pan-European development finance institution operating across eight markets and an advisory collaboration with a private fund managing approximately £6 billion in assets.

Commercial Fit Comes First:
We work across sectors and geographies, focusing on the credibility of each proposition and the relevant provider’s appetite. Our usual mandate range is €2 million to €1 billion. The appropriate route depends on the project’s stage, location, capital requirement and commercial objectives.

How We Work:

Understand the Business First:
We begin with your sector, capital requirement, project location, stage of development and proposed use of funds. CFA carries out an initial commercial assessment and funding readiness review to understand the proposition before approaching potential capital partners.

Prepare a Credible Proposition:
A pitch deck or business plan, five-year financial projections and a clear use of funds help us assess the opportunity. Complete and accurate financial information, relevant asset schedules and transparent responses to questions support the process. AML/KYC requirements apply to the principals involved.

Focused Investor Matching:
Our proprietary AI matching technology and curated investor database help us focus on sector, raise amount, geography and synergy with an investor’s existing portfolio. We prioritise suitable capital partners and relevant outreach — quality, not quantity.

A Clear Route Through the Process:
We facilitate introductions and help coordinate the information and communication needed to progress a mandate. For transactions handled through our institutional partner, that partner leads structuring and independent due diligence, assigns a designated analyst, and manages commercial terms through its own process.

CFA acts as a commercial advisor and introducer. The relevant investor or lender conducts its own commercial, financial, legal and technical due diligence and makes all funding decisions independently. Indicative terms are a step in that process; funding confirmation follows successful due diligence and the provider’s approval.

Let’s Discuss Your Project

Tell us what you are planning, the capital you need and what it will achieve. We will review your proposition and discuss a suitable next step.