Debt and Capital Advisory

In a competitive funding environment, businesses must consider how they present themselves to potential lenders. Many struggle to effectively communicate their investment case, value proposition and financial stability, resulting in inability to access the finance required to deliver on their strategic objectives. Key concerns include: How do we stand out in a crowded market? Are we highlighting the right aspects of our business? How do we address potential red flags or weaknesses in our financial history? Companies often balance transparency and optimism in their presentations while tailoring messages to different types of lenders, each with their own priorities and risk appetites. Creating a compelling narrative while maintaining credibility can be overwhelming, especially for businesses new to the debt market.

Businesses face significant pressure when negotiating financing terms, often feeling they lack leverage or expertise to secure the best deal. Common concerns include: Are we getting the most favourable terms possible? How do we know if we’re leaving money on the table? What concessions should we be prepared to make? The potential cost of agreeing to unfavourable terms could hamper future growth or flexibility. Many businesses struggle to understand the long-term implications of various financing structures and how they might impact operations. There’s also uncertainty about approaching negotiations with multiple lenders simultaneously to create competitive tension without damaging relationships. The technical nature of many financing terms adds another layer of complexity.

For businesses and private equity involved in mergers and acquisitions, securing appropriate financing is essential for delivering optimal returns from investments. Key concerns include: How do we structure financing to support our M&A strategy without overextending? What hidden financial risks might we be taking on with an acquisition? How do we balance the need for speed in deal-making with thorough due diligence on financing options? Companies often struggle to align their financing strategy with their overall M&A objectives, as use of a suboptimal funding structure could jeopardise deal success. There’s also uncertainty about how potential acquisitions or divestitures might impact existing financing arrangements. The pressure to secure financing quickly in competitive bid situations can lead to rushed decisions and potential oversights.

In an uncertain economic climate, businesses are increasingly worried about maintaining adequate liquidity. Key questions keeping leaders awake include: Do we have access to sufficient funding sources to weather potential storms? How can we ensure we’re not overly reliant on a single type of financing or lender? What alternative funding options should we consider? There’s also growing concern about the stability of traditional funding sources and the need to diversify. Many businesses struggle to navigate the expanding landscape of alternative lenders and financing products, unsure of their reliability or suitability. The fear of missing out on innovative financing solutions that could provide a competitive edge is balanced against concerns about the risks of untested funding sources. Maintaining financial flexibility while ensuring stable access to capital remains a key challenge.

The growing emphasis on environmental, social and governance (ESG) factors in financing creates new challenges for businesses. Many grapple with questions like: How will our ESG performance impact our access to, and cost of, capital? Are we at risk of being left behind as sustainable finance grows? How do we balance ESG commitments with other financial priorities? There’s increasing concern about potential ‘greenwashing’ accusations and the reputational risks of not meeting ESG targets linked to financing, and many businesses struggle to quantify and communicate their ESG performance effectively to lenders. The rapidly evolving nature of ESG standards and reporting requirements adds another layer of complexity. Companies also worry about the potential costs and operational changes required to align with ESG-linked financing terms.

Your growth ambitions deserve financing solutions that match your vision and pace. We help you unlock the capital needed to expand operations, enter new markets or invest in transformative technology. Our approach goes beyond simply raising funds — we work with you to structure growth capital that supports your long-term strategic objectives while maintaining the flexibility you need as your business evolves.

We connect you with the right investors and lenders who understand your sector and growth trajectory. From development capital to expansion financing, we explore every available option to ensure you secure optimal terms and conditions. Our process is designed to move at your speed, providing clear guidance throughout so you can make informed decisions about your company’s future while building the platform for sustainable growth and value creation.

Property transactions and developments require specialised financing expertise that understands both real estate markets and capital structures. We guide you through the full spectrum of real estate financing options, from acquisition funding to development finance and investment property refinancing. Our team has deep knowledge of property sectors, enabling us to match your specific requirements with the most appropriate lending solutions.

We work with developers, investors and property companies to structure deals that work in today’s market environment. Whether you’re looking to acquire prime commercial property, fund a residential development or refinance an existing portfolio, we help you navigate regulatory requirements and market dynamics. Our established relationships with property lenders, alternative finance providers and institutional investors accelerate your transaction process so you can capitalise on market opportunities when they arise.

Market conditions change, and your debt structure should evolve with your business needs. We help you review and restructure existing facilities to improve terms, extend maturity profiles or free up additional capital for growth initiatives. Our refinancing approach considers your current performance, future plans and market positioning to identify the most advantageous timing and structure for your refinancing.

We engage with your existing lenders and explore alternative funding sources to ensure you achieve the best possible outcome. Whether you need to address covenant concerns, reduce borrowing costs or simply optimise your capital structure, we provide clear guidance throughout the process. Our market knowledge and negotiation expertise help you secure improved terms and conditions so you can strengthen your balance sheet while maintaining the operational flexibility your business needs for continued success.

Maximising shareholder returns often requires strategic capital restructuring that balances growth investment with value realisation. We help you evaluate and implement capital strategies that enhance shareholder value, from special dividends and share buybacks to more complex recapitalisation structures. Our approach considers tax efficiency, optimal capital allocation and long-term business sustainability.

We work with shareholders, management teams and boards to identify value creation opportunities through strategic capital management. Whether you’re looking to return capital to shareholders, facilitate ownership transitions or restructure for improved returns, we provide objective analysis and expert guidance. Our comprehensive understanding of capital markets and valuation techniques ensures you make informed decisions so you can deliver enhanced returns while maintaining the financial strength needed for future growth and investment opportunities.

Every business has unique capital requirements, and the funding landscape continues to evolve with new products and providers entering the market. We conduct comprehensive reviews of your funding options, evaluating traditional bank lending alongside alternative finance solutions, private credit and capital market instruments. Our analysis considers your business model, growth plans and risk profile to identify the most suitable funding approach.

We help you understand the benefits and implications of different funding structures, from asset-based lending to revenue-based financing and everything in between. Our market intelligence and relationships across the entire funding ecosystem allow us to present you with a full range of options, clearly explained and objectively assessed. This comprehensive approach ensures you make informed decisions, so you can access the capital you need on terms that support your strategic objectives and operational requirements.

Banking relationships require ongoing management, particularly when business performance or market conditions create challenges with existing loan agreements. We help you proactively manage lender relationships and negotiate amendments or waivers when circumstances change. Our experience in debt restructuring and covenant management enables us to approach these sensitive discussions with the right strategy and documentation.

We work with you to prepare compelling cases for amendments, whether addressing financial covenants, operational restrictions or facility terms that no longer fit your business needs. Our team understands lender perspectives and concerns, enabling us to structure proposals that address both parties’ interests. We guide you through the negotiation process, ensuring you maintain strong banking relationships so you can preserve access to future funding while securing the operational flexibility your business needs to adapt and recover in challenging market conditions.