Capital Structuring
How much of your business should be funded by borrowed money and how much by owners' money? The answer affects risk, cost and control. We help you pick a mix that your cash flow can support and that fits your plans.
Who it is for
- Owners planning an acquisition or expansion
- Companies refinancing existing loans
- Project sponsors deciding how to fund a project
- Family groups reviewing how much debt they carry
What we do
- Review how the business is funded today
- Measure debt capacity using DSCR and leverage ratios
- Compare funding options: bank debt, shareholder loans, new equity and hybrid structures
- Test the plan under stress, for example lower sales or higher interest rates
- Prepare a summary for lenders or investors
What you get
- A debt capacity assessment you can explain to your board
- A recommended funding mix with the reasoning
- Scenario and sensitivity tables
- A lender-ready summary of the numbers
- A plain-English board note
How it works
- Intro callWe talk through what you are trying to achieve, what information exists, and whether we are the right fit. This call is free.
- ReviewWe study your accounts, existing loan terms and forecasts.
- MeasureWe calculate how much debt the cash flow can carry comfortably.
- Compare optionsWe set out the funding choices with their costs and risks side by side.
- RecommendWe tell you which mix we would choose and why.
What we need from you
- Financial statements and a current budget or forecast
- Details of existing loans, including rates and repayment terms
- Your plans for growth, acquisitions or projects
Please note. We help you prepare and compare. We do not provide loans and we do not arrange financing as a regulated activity. Your lender or investor provides the funding.
Questions
What is a good level of debt?
It depends on how stable your cash flow is. Lenders often look at net debt to EBITDA and at DSCR. Stable businesses can carry more debt than businesses with uneven income. We help you find the right level for yours.
Do you arrange the loan for me?
No. We help you prepare the numbers and compare options. The loan comes from your lender.
Tell us what you are working on.
Send a short message. We reply, agree what you need, and set a time to talk. Intro calls are free and carry no obligation.