Services · 03
Debt Advisory & Refinancing
The right financing structure protects flexibility; the wrong one constrains every decision that follows. We advise borrowers independently on raising, refinancing and renegotiating debt, with no ties to any lender.
Discuss your transactionWhen clients engage us
Situations where independent advice changes the outcome.
Raising and refinancing
- Refinancing a maturing or unsuitable facility
- Changing lender or exiting a banking relationship
- Financing an acquisition or a growth plan
Facilities and terms
- Working capital, receivables and asset-based facilities
- Renegotiating covenants, security or pricing
- Preparing for lender due diligence and field audits
Our approach
From diagnostic to drawdown.
Diagnostic
We review existing facilities, security, guarantees and cash flows to define what the business can support.
Lender case
We build the financing model and the credit narrative a lender needs to approve.
Market approach
We approach banks, alternative lenders and specialist finance providers suited to the profile.
Offer comparison
We compare offers on total cost and terms: advance rates, covenants, security, fees and flexibility.
Negotiation and completion
We negotiate term sheets and coordinate with legal counsel through drawdown, including the release of existing security.
Lender-ready information
Lenders decide on the quality of information.
Lenders decide on the quality of information as much as on the numbers.
We prepare cash-flow forecasts, debt serviceability analysis and receivables ledger analysis that anticipate credit questions before they are asked.
FAQ
Frequently asked questions
Bank or alternative lender?
Banks are usually cheaper but less flexible. Alternative lenders accept more complex situations at a higher cost. The right answer depends on your cash flows, timetable and security position.
How long does a refinancing take?
Typically 8 to 16 weeks from mandate to drawdown, longer when security has to be released or lender audits are required.
What does a lender assess in receivables finance?
Ledger quality and ageing, debtor concentration, dilution, credit insurance and the reliability of reporting.
Discuss your financing needs.
Every engagement begins with a confidential conversation about your objectives, timing and options.
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