Service 08
Advisory & Restructuring
Review of existing borrowings, refinancing and restructuring so your debt service matches present cash flows rather than past assumptions.
Who this is for
Borrowers carrying legacy debt priced or structured for a business that has since changed.
What we deliver on this mandate
- Facility-by-facility review of what you currently owe and on what terms
- Refinance and takeover options with the total-cost comparison
- Restructuring proposal put to the existing lender
- Rate and covenant renegotiation on renewals
How the file is built
- 01Financial SWOTWritten position on what you can raise, and on what basis.
- 02Instrument designFacility structure, tenure and repayment profile.
- 03End-use justificationEnd-use note tied to the project or operating cycle.
- 04Banker-grade appraisalCMA data, projections, ratio and DSCR workings, project report.
- 05Lender matchingA matched lender, with the reasoning shown to you.
Questions we get on advisory & restructuring
Is restructuring an admission of trouble?
No. Aligning repayment to current cash flow is ordinary financial management, and doing it early — while conduct is still clean — is far easier than doing it after a default.
Can borrowings across several banks be consolidated?
Often, yes, and the exercise usually surfaces facilities that are mispriced or badly structured. The review is worth doing even if you consolidate nothing.
Fifteen minutes will tell you if this is the right instrument.
Free eligibility assessment, then a written fee proposal if we take the mandate on.