- Carrickmourne, Thomastown, Co Kilkenny.
- +353 (0) 87 7837174
Refinancing sounds simple. Replace one facility with another.
Lower costs. Improve terms.
In reality, it’s rarely that straightforward.
Businesses refinance for different reasons. Interest costs increased. Cashflow pressure developed. The original structure no longer fits. Or growth created new funding requirements. Sometimes lenders change their appetite. Sometimes the business changes faster than the finance.
We help businesses step back and reassess the full picture before any refinancing decision is made.
That means understanding existing facilities, security arrangements, repayment profiles, and future projections. It also means identifying whether refinancing is actually the right move — or whether restructuring, additional funding, or negotiation with existing lenders would achieve better outcomes.
Preparation matters. Lenders look closely at information quality. Forecast accuracy. Management credibility. Weak submissions get declined.
We help clients prepare properly. Financial models. Proposals. Supporting documentation. Clear explanations of trading performance and future plans.
In some cases refinancing involves moving to a new lender. In others it involves renegotiating with the current one. Both approaches require strategy.
We also assist businesses coming through difficult trading periods where credit history or legacy issues make refinancing more complex. There are still options. They just require careful positioning.
Our experience working within banking environments helps here. We understand approval processes and risk considerations from the lender’s perspective.
The goal is straightforward. Secure a facility that fits the business now and supports where it’s going next.