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Optimising your debt finance

In addition to assisting our clients in securing new debt finance deals, we also have significant expertise in helping businesses refinance their existing debt.

Refinancing a company’s existing debt can bring with it several key benefits, including:

  • Increased borrowing capacity
  • Reducing monthly debt service by repaying finance over a longer term, or applying a different structure such as an interest only period or bullet
  • Lowering fees and interest charges
  • Taking advantage of a strengthened business position to gain access to funders and terms that were inaccessible when the current borrowing agreement was entered into
  • Access to a different – or more flexible – debt structure
  • Moving to a different lender with a more commercial outlook, or one better suited to the changing requirements of your business.

Sourcing the right refinancing solution

Your refinancing requirements will ultimately depend on your company’s current position and your plans for the future. For example, you might have hit a rough patch and need to quickly raise some cash. If you have strong business assets, you may be able to release equity from those assets to funnel back into your business. To supplement this, we also have access to funders prepared to consider soft assets or balance sheet/cashflow-based finance.

We typically assist clients to refinance onto a new structure which may allow them to replace more expensive debt or create immediate cash headroom through lower debt service, even when borrowing more. Our mission is to understand what a business requires in the short, medium and longer term to ensure their debt funding works in alignment with their objectives.

Our expertise and access to a wide array of lenders means that we are in the best possible place to help you to refinance your debt in a way that will further your business goals.

Get in touch

If your current debt isn’t working for you – whether the monthly debt service level is unsustainable for your business, you need to borrow more money, or the debt structure is no longer in alignment with your business’s aims – then Primary Finance is here to help.

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Disclaimer: Primary Finance Group is an arranger of finance facilities and not a lender. We do not hold ourselves out to be an adviser to a Borrower. Any assessment and decisions concerning finance facilities sourced by Primary Finance Group reside entirely with a Borrower in conjunction with their own professional advisers. Any decision to make available finance facilities to a Borrower rests solely with a lender and not ourselves. Primary Finance Group strictly arranges finance for businesses, most typically limited companies. We operate by arranging strictly non-regulated commercial finance for companies, therefore Primary Finance Group is not FCA regulated and we cannot consider regulated finance requirements including for sole traders or individuals.

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Whether you are a business seeking advice or a lender interested in joining our panel, we would be delighted to hear from you.

Subscribe to our mailing list here

Join our subscriber community for our latest news and considered insights

Subscribe to our mailing list here

Join our subscriber community for our latest news and considered insights