Private debt finance for refinancing business debt

Do you need to replace outgrown or expiring debt finance facilities?

If you have a tech company with an EBITDA in excess of £2m, then private debt finance is a cost-effective way for you to refinance your business debt.

When you refinance your business debt you can:

  • Reduce the cost of capital
  • Reduce interest rates and monthly payments
  • Get greater operating flexibility
  • Buy the time and capital resources you need to execute your growth strategy

Key features of private debt finance

  • Not financed by banks. Also, private debt instruments are not traded on the open market
  • Specialists in lending to tech companies that have raised money from investors
  • Ideally suited to fast-growing mid-market tech businesses
  • No covenants or personal guarantees
  • No dilution of equity
  • Cheaper than equity
  • Accessible in tranches
  • Quick to arrange (between one to three months)

Typical private debt finance terms

  • Typical Term 36-60 month
  • Amount <£1.0m-£10m
  • Profitability Losses or Profitable
  • Timescales 1-3 months

How you can refinance with private debt finance

When you refinance your business debt you can lower monthly payments and get the time and cash resources you need to execute your growth strategy. Business debt refinancing is useful for:

  • Growth finance
  • Mergers and acquisitions finance
  • Working capital finance
  • Restructuring finance
  • Equity release

How working with a debt advisor and broker works

First off, we make it our business to understand all the nuances of standard (and non-standard) financing methods and funding sources.

Then, we do the legwork to identify the right mix of solutions to help you expand your business, leaving you free to focus on your day-to-day operations.

  1. Introduction (Telephone Call, Discuss funding requirements, Request more information/data)
  2. Assessment (Information/data received, Information memorandum written, Capital structuring ideas)
  3. Term Sheet (Face2Face meeting on-site, Full term sheet issued, Term sheet review)
  4. Funding (Lender Offer, Loan Documentation, Drawdown Funds)