Refinance / Restructuring

Is your bank competitive?

Are you getting the funds and terms you need?

Perhaps you deserve a better interest rate or need a higher advance or more flexibility (longer repayment term or interest only period / repayment holiday.)

If so refinancing may make sense.

There are hundreds of lenders out there, many likely to be more competitive and have a greater appetite for your business than your own bank. Banks are often complacent or inflexible with existing customers.  We have the knowledge and awareness of who will do what, and can guide you with valuable contacts to smooth the way.

Alternatively, your bank may be getting difficult or unco-operative, or the relationship may have broken down altogether, and this is now affecting the day-to-day running of your business. This is time to restructure. Provided you have reasonable assets (freehold property, working plant/machinery, equipment, trade debtors), we can help source a new lender or mix of lenders, to replace your existing borrowers and often provide additional working capital.