Debt Restructuring
Debt that made sense at the time can quietly hold a business back. Refinancing and restructuring are capital decisions — opportunities to cut cost, release equity and restore the flexibility to grow. We help you do it deliberately.
The Problem
Businesses accumulate debt in layers — different lenders, terms, security and rates — until the structure itself becomes the problem: costly, inflexible and hard to build on. Restructuring is how you fix it.
Strategic Considerations
Mapping every facility, rate, term and piece of security.
The true blended cost, not just headline rates.
Whether combining facilities improves cost and control.
Whether restructuring can free capital to deploy.
Renegotiating terms that constrain the business.
Sequencing changes around maturities and penalties.
Capital Options
Moving debt onto better rates, terms or lenders.
Combining multiple facilities into a cleaner structure.
Refinancing assets to free capital for growth.
Re-profiling repayments to ease cash flow.
Reorganising collateral and guarantees.
Moving to a lender better matched to the business.
Our Advisory Role
We take a complete view of your debt, design a cleaner structure and run a competitive process — so you refinance on your terms, not simply roll over on the incumbent's.
How our advisory engagement worksExecution Process
We define the restructuring objective and target structure.
We map current debt, cost and security in full.
We design the consolidated, lower-cost structure.
We prepare the refinance package for lenders.
We run the process and negotiate terms.
We coordinate payouts, security and transition.
Frequently Asked Questions
Often, yes. Beyond a lower rate, restructuring can release trapped equity, ease cash flow, remove restrictive covenants and simplify a tangled set of facilities. We quantify the benefit before you commit.
Frequently. Where assets have appreciated or debt has been paid down, restructuring can free capital to reinvest — treated properly as a capital decision, not just a rate move.
We factor break costs and penalties into the analysis and time the restructuring around maturities where it makes sense. Sometimes the saving justifies the cost; sometimes patience does.
Not necessarily. Often the incumbent improves terms to retain the business once a competitive process is underway. Either way, you end up on better terms.
Not at all. Most restructuring we do is proactive — strong businesses optimising a balance sheet that has simply outgrown its old structure.
Let's Begin
Book a capital strategy call and we'll review whether restructuring can cut cost and free capital.