Corporate Restructuring

Businesses can overpay for funding and be saddled with unfavourable pay back conditions, where excess collateral is tied up and the owners burdened with personal guarantee exposures.

We will review existing funding facilities, map out an ideal structure and negotiate with the funds provider to deliver a workable solution. This entails changing the existing contractual terms on which the debt is held by a business .

Restructuring can involved:

Justifying the need to re-structure

Demonstrating the ability of the business to meet the new repayment terms

Reducing or extending periodic debt

Altering the type of debt facilities e.g. providing an invoice discounting facility to replace an overdraft

Selling assets to reduce debt and ultimately in some cases re-sizing the debt levels themselves

Refinancing the debt elsewhere securing new finance to make a once-off payment to the existing lender in full and final settlement of the existing debt

Financing/re-financing  fixed assets through specialist lenders over longer terms releasing fund in the short-term

This may result in a requirement for a new source of equity from either the business owner or an external source as this process evolves