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Financial restructuring and refinancing

The service is suitable for situations where a company’s bank loans or other debt-based financing arrangements require restructuring. This may include situations where, for example:

  • The company’s current bank requires additional collateral for existing loans or loan acceleration
  • The company’s growth objectives require larger financing amounts than current financiers can provide
  • The company’s financial position has strengthened, making more favourable financing terms available
  • The maturities of existing loans are too short, and longer-term financing can be arranged
  • Collateral tied to current financing amounts is excessive
  • There is a need to improve the efficiency of the company’s debt financing for other reasons

The service is suitable for situations where the financing to be restructured ranges from several hundred thousand euros to tens of millions of euros. The company must demonstrate at least moderate profitability and the ability to pay a reasonable interest rate, or alternatively possess sufficient unencumbered assets or rights that may be used as collateral.

Depending on the company’s initial situation and objectives, the service may focus on increasing existing financing, reducing financing costs, extending loan maturities, releasing collateral, securing the current financing position, or achieving other agreed objectives.

Finanssitaito’s experts may participate in negotiations with both new and existing financing partners, either directly or in a supporting role, assisting the client with written financing applications, plans and calculations as required. In cases involving syndicated financing solutions between two or more financiers, it is recommended that Finanssitaito’s experts participate in negotiations with all relevant parties.

Process

Our service is entirely free of charge until the agreement has been signed

1.

Complimentary financing eligibility assessment

We assess your company’s current financing position and restructuring possibilities, and evaluate the prerequisites for achieving the project’s objectives.

2.

Engagement agreement

Once we have validated the prerequisites for achieving the project’s objectives, we offer an engagement agreement under which our fees are based on modest base fees and success fees linked to the outcomes of the service.

3.

Information gathering and assessment of development opportunities

We compile information on your company and its current financing agreements, and assess potential development opportunities within the financing structure, taking into account the characteristics and criteria of financing options available in the market.

4.

Financing plan and required applications

We assist in preparing financing plans and calculations, as well as drafting written financing applications.

5.

Negotiations with financiers

We initiate contact and negotiations with suitable financiers and assist in discussions based on your needs and preferences. We also support you in responding to financiers’ questions and information requests.

6.

Financing offers

We provide you with details of suitable financing offers.

7.

Financing negotiations

We assist, where necessary, in financing negotiations and in completing the restructuring process.

8.

Alternative solutions where necessary

In the absence of viable offers or solutions, we assist, where appropriate, in exploring alternative options.

Our experts will be pleased to provide further information about our services and discuss solutions tailored to your specific needs.

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