Debt Advisory
The cheapest capital you will ever raise is debt you have structured properly.
Most businesses do not have a debt problem. They have a debt structuring problem. The facility is the wrong instrument, the tenure does not match the cash flow it is meant to fund, the security is over-pledged, or the pricing was accepted without a competing offer on the table.
We structure, negotiate and close debt for businesses that want capital without giving away ownership.
The problem we solve
Why debt goes wrong
Founders and promoters usually approach debt one lender at a time, in the order those lenders happen to call. That produces three predictable outcomes.
You end up with the instrument your lender is comfortable selling rather than the one your business needs — a term loan funding a working capital gap, or an overdraft funding capex.
You accept pricing and covenants without a second offer, so you have no leverage on either. And you pledge more security than the exposure warrants, which quietly caps every facility you try to raise afterwards.
None of that is visible on the day you sign. All of it is expensive by the third year.
What we arrange
Working capital facilities
Cash credit and overdraft limits sized to your actual cash conversion cycle, not to a formula. Includes LC and BG limits where your trade terms require them.
Term loans and capex funding
Bank and NBFC term debt for expansion, plant and equipment. Tenure and moratorium matched to when the asset actually starts generating cash.
Loan against property
Property-backed facilities where the balance sheet alone will not support the quantum you need. Structured to protect headroom for future borrowing.
Mortgage loans
Mortgage-backed funding for promoters and businesses, arranged with attention to what the charge does to your wider security position.
Invoice discounting
Receivable-backed funding that converts a collection cycle into working capital, with and without recourse, depending on the strength of your counterparty.
Lease rental discounting
Funding against contracted rental income from commercial property, priced off the quality of the tenant and the covenant rather than the asset alone.
What changes when we run it?
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We think like the credit committee - Every proposal is built to survive the questions a credit officer will ask, not the questions a founder expects.
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We create competitive tension - A single lender gives you a price. Three lenders give you a market. The difference typically shows up in pricing, covenants and security cover.
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We negotiate the terms behind the rate - A lower rate with a tight covenant package and a full personal guarantee is frequently the more expensive facility.
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We protect your future borrowing capacity - Every charge you create today constrains what you can raise tomorrow. We structure with the next facility in mind.
FAQs
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How is a debt advisor different from a loan broker?
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A broker introduces you to a lender and is paid for the introduction. We define the structure before going to market, run a competitive process, and negotiate the sanction terms on your side of the table. The instrument and the terms are the work; the introduction is not.
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Should I raise debt or equity?
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Debt if the business generates predictable cash flow to service it and you want to protect ownership. Equity if the capital is funding a risk the business cannot yet underwrite from cash flow. Most growing businesses need a blend, and getting the ratio right materially changes your cost of capital.
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Can you help if a lender has already declined us?
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Often, yes. A decline is frequently a structuring or presentation problem rather than a credit problem, and the right lender for your situation may not be a bank at all.
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My bank has already offered me a facility. What would you add?
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A second and third offer, for a start. Beyond pricing, we look at what the sanction letter actually commits you to — covenants, security, guarantees, drawdown conditions and prepayment terms — which is where most of the long-term cost sits.
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How long does a debt process take?
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Anywhere from 2 weeks to 2 months - but generally within 45 days unless it is an extremely complex situation
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