We add real value when advising companies on credit facilities by combining financial analysis with practical strategy. It’s not just about getting a loan – it’s about structuring credit in a way that supports growth without creating risk. The advise we provides are as follow:
1. Assessing credit needs (not just “how much can we borrow”)
We help determine the right type and amount of credit based on cash flow, working capital cycles, and growth plans. For example, a seasonal business might need a revolving line of credit, while a company investing in equipment might need a term loan.
2. Choosing the right credit facilities
We guide companies through options such as:
- Working capital loans
- Trade finance (letters of credit, invoice financing)
- Overdrafts and revolving credit lines
- Asset-backed lending
The goal is to match the facility to the business model – not just take whatever the bank offers.
3. Preparing for lenders
We help businesses become “credit-ready” by:
- Cleaning up financial statements
- Building cash flow forecasts
- Preparing loan proposals or credit memos
- Identifying key ratios lenders care about (e.g., DSCR, leverage ratios)
This directly improves approval chances and terms.
4. Negotiating better terms
Many companies accept the first offer – they shouldn’t. We can push for:
- Lower interest rates
- Better repayment schedules
- Fewer restrictive covenants
- Higher limits or flexibility
We know what’s “normal” in the market, which companies usually don’t.
5. Managing credit risk
We advise on:
- Avoiding over-leverage
- Structuring debt so repayments align with cash inflows
- Diversifying funding sources (not relying on a single bank)
- Hedging interest rate or currency risk if relevant
6. Optimizing working capital
Credit facilities are closely tied to receivables, payables, and inventory. We may recommend:
- Faster collections (tightening credit terms)
- Better inventory management
- Supplier financing strategies
This can reduce the need for borrowing altogether.
7. Supporting restructuring or refinancing
If a company is under stress, we can:
- Renegotiate existing debt
- Consolidate facilities
- Extend tenors or restructure repayment
- Work with lenders to avoid default scenarios
8. Compliance and governance
We help to ensure the company:
- Meets loan covenants
- Maintains proper documentation
- Aligns financing decisions with board-level strategy
In short, we don’t just help a company get credit – we help the business use credit as a strategic tool without getting trapped by it.
Consulting for Business Success 