Alternainvest International

Credit advisory

Bank debt, arranged the way lenders want to receive it.

Refinancing, working capital, capex lines and acquisition debt — prepared, taken to market competitively, and negotiated to signature.

The problem we solve

Companies usually approach one bank, wait, and adjust the request when it is declined. That sequence costs months and tells the market that the file has been shopped. A competitive, parallel process does the opposite: it compresses the timeline and it moves pricing.

What the engagement covers

  • Review of existing facilities, security, covenants and maturity profile
  • Borrowing capacity analysis under stressed cash flow scenarios
  • Lender mapping — which institutions fund your sector, size and risk profile today
  • Information memorandum and financial model prepared for credit analysts
  • Parallel approach, term sheet comparison and negotiation
  • Documentation support through conditions precedent to drawdown

What you receive

  • A borrowing capacity opinion you can take to your board
  • A lender-ready file: model, memorandum, data room index
  • Comparable term sheets, not a single take-it-or-leave-it offer
  • A covenant calendar for the life of the facility

Typical timeline

Eight to sixteen weeks from diagnostic to signed term sheet, depending on how complete the financial reporting is when we start.

Let’s look at the actual numbers.

A first conversation costs nothing and usually saves a quarter.

Start a conversation →