Category
Debt Advisory
Debt fundraising, working capital finance, structured credit and lender negotiation for founder-led and growth-stage businesses.
Debt Looks Cheaper Than Equity. Here Is the Arithmetic That Decides Whether It Is.
Debt is priced in percentages and equity in ownership, and most founders compare the two badly. A practical framework for when leverage lifts returns, and when it quietly becomes the most expensive capital on your balance sheet.
Read article →Covenants, Security and Personal Guarantees: The Three Terms That Matter More Than Your Interest Rate
Founders negotiate hard on pricing and sign the rest of the sanction letter unread. Covenants, security and the personal guarantee decide what happens in a bad year, and they are more negotiable at sanction than most borrowers assume.
Read article →A Bigger Limit Will Not Fix It: Matching Working Capital Finance to Your Cash Cycle
Most working capital problems are structural, not sanction problems. How to size the real gap, split it into permanent, seasonal and transaction layers, and match each to the right instrument.
Read article →What Lenders Actually Assess When They Underwrite Your Business
Your relationship manager does not approve your loan. A credit officer you will never meet does, using DSCR, drawing power, tangible net worth and your bank conduct. Here is how to prepare for that assessment before you ask.
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