Corporate Debt Recapitalization Advisory Services
Financely supports corporate borrowers, independent sponsors, family-owned businesses, and asset owners seeking to refinance existing debt, raise senior secured loans, add a revolving credit facility, release shareholder liquidity, or reset a capital structure through corporate loan financing.
Our work focuses on lender-ready debt structuring, credit assessment, collateral review, repayment analysis, lender matching, term sheet comparison, and closing coordination for qualified recapitalization mandates.
Use cases: corporate loan refinancing, dividend recapitalizations, shareholder liquidity, acquisition debt refinancing, bridge-to-term loan conversion, maturity extension, covenant reset, Commercial Real Estate debt recapitalization, private credit refinancing, working capital facility replacement, and lender-led capital structure repair.
Refinance Existing Debt
Replace short-term, expensive, or restrictive debt with senior secured loans, private credit facilities, asset-based loans, Commercial Real Estate debt, or structured corporate refinancing.
Release Shareholder Liquidity
Structure debt capacity for dividend recaps, founder liquidity, sponsor distributions, or partial exits where cash flow, collateral, and leverage can support the facility.
Strengthen Liquidity
Add revolving credit facilities, bridge loans, borrowing-base lines, or working capital facilities tied to receivables, inventory, contracts, equipment, or real estate collateral.
When Companies Use Debt Recapitalization
Refinancing And Maturity Management
Companies use debt recaps to refinance approaching maturities, replace expensive lenders, consolidate creditor positions, improve amortization terms, or move from bridge debt into longer-term capital.
Acquisitions And Sponsor Transactions
Sponsors and acquisition vehicles use recapitalization debt to refinance seller notes, fund add-on acquisitions, replace acquisition bridge facilities, or create liquidity after post-closing performance is proven.
Debt Structures We Support
| Structure | Typical Use | Underwriting Focus |
|---|---|---|
| Senior Secured Term Loan | Debt refinancing, dividend recap, acquisition financing, maturity extension, or balance-sheet reset. | EBITDA, leverage, debt service coverage, collateral, covenant headroom, repayment source, and management track record. |
| Revolving Credit Facility | Working capital, receivables finance, inventory funding, trade cycle liquidity, or seasonal borrowing needs. | Borrowing base, eligible receivables, inventory controls, customer concentration, dilution, reporting, and cash dominion. |
| Bridge Loan | Time-sensitive refinancing, acquisition closing, asset sale bridge, delayed permanent financing, or lender transition. | Exit route, repayment timing, collateral value, sponsor support, legal enforceability, and closing conditions. |
| Asset-Based Loan | Facilities backed by receivables, inventory, equipment, commodities, hard assets, or mixed collateral pools. | Collateral appraisal, advance rates, liquidation value, insurance, control rights, borrowing-base reporting, and monitoring. |
| Commercial Real Estate Debt | Property refinancing, acquisition recap, cash-out refinance, bridge-to-permanent loan, or lease-up financing. | Loan-to-value, debt yield, net operating income, tenancy, valuation, sponsor equity, leasing status, and exit financing. |
| Private Credit Facility | Complex debt recaps where bank lenders are constrained by timing, leverage, asset type, jurisdiction, or covenant profile. | Downside protection, cash flow visibility, pricing tolerance, collateral quality, sponsor credibility, and documentation control. |
Client Fit
Strong Fit
- Corporate borrowers seeking USD 5,000,000 or more.
- Companies with financial statements, bank records, debt schedules, and management accounts.
- Businesses with EBITDA, receivables, inventory, hard assets, contracts, or Commercial Real Estate collateral.
- Sponsors with live acquisition, refinancing, or recapitalization transactions.
- Borrowers willing to pay assessment, retainer, and success fees after indicative terms are accepted.
Files We Usually Decline
- Concept-stage companies with no revenue, collateral, or repayment source.
- Borrowers seeking success-fee-only execution.
- Transactions with incomplete ownership records, weak KYC, or unclear source of funds.
- Projects with no permits, contracts, financial model, or sponsor equity.
- Broker chains without a direct borrower mandate.
Advisory Scope
| Workstream | Financely Role |
|---|---|
| Credit Assessment | Review existing debt, maturity schedule, repayment source, collateral, cash flow, leverage, covenant pressure, and likely lender fit. |
| Debt Sizing | Estimate supportable loan amount using EBITDA, asset value, receivables, inventory, Commercial Real Estate value, contracted cash flow, or blended coverage. |
| Capital Structure Design | Structure senior debt, bridge loans, revolving facilities, private credit tranches, refinancing plans, and permitted use of proceeds. |
| Lender Materials | Prepare lender memo, teaser, debt schedule, use-of-proceeds summary, data room index, diligence checklist, and financial model review notes. |
| Lender Matching | Map the transaction to private credit funds, banks, asset-based lenders, specialty finance firms, Commercial Real Estate lenders, and direct lenders. |
| Term Sheet Management | Coordinate lender questions, compare indicative terms, review pricing, covenants, security, fees, conditions precedent, and closing path. |
| Closing Coordination | Support diligence flow, borrower responses, counsel coordination, lender documentation, CP tracker, and funding mechanics. |
Indicative Terms
| Item | Indicative Position |
|---|---|
| Minimum Facility Size | USD 5,000,000. |
| Core Mandate Range | USD 10,000,000 to USD 100,000,000. |
| Large Mandate Range | USD 100,000,000 to USD 250,000,000. |
| Initial Financing Assessment | USD 7,500, payable before detailed credit screening and indicative structuring. |
| Advisory Retainer | Typically USD 50,000 to USD 250,000 for mid-market debt recapitalization mandates, with larger or distressed files priced case by case. |
| Senior Debt Success Fee | Typically 1.50% of funded debt, subject to mandate size, complexity, and minimum fee levels. |
| Revolving Credit Or Trade Facility Fee | Typically 1.00% to 2.00% of committed or funded amount, depending on facility mechanics. |
| Third-Party Costs | Counsel, valuation, collateral review, diligence, insurance, lender legal costs, and specialist reports may be payable separately. |
Debt securities, loan notes, private placements, preferred equity, fund interests, and investor distribution are handled through qualified regulated partners where required. This service focuses on corporate loan advisory, lender packaging, lender decisioning support, and debt recapitalization execution support.
Documents Usually Required
Corporate And Financial
Corporate registration documents, ownership chart, financial statements, management accounts, tax records where requested, current debt schedule, and lender statements.
Transaction And Collateral
Use-of-proceeds schedule, collateral schedule, valuation support, Commercial Real Estate appraisals where applicable, asset registers, and existing loan documents.
Compliance And Authority
KYC, KYB, sanctions information, source-of-funds support where requested, borrower authority, director approvals, and corporate authority to pledge collateral.
4-Step Procedure
1. Submit Request
Borrower submits the requested facility size, existing debt profile, repayment source, collateral summary, financials, use of proceeds, and timing requirement.
2. File Review
We review lender fit, minimum documentation, repayment source, collateral coverage, jurisdiction, leverage tolerance, and likely debt structure.
3. Indicative Terms
If the file is workable, the borrower receives indicative advisory terms covering scope, pricing, process, likely facility type, and next-step requirements.
4. Lender Process
After onboarding and fee clearance, we prepare the lender file, screen lender appetite, coordinate questions, compare terms, and support closing.
Lender Materials
Core materials usually include lender memo, debt schedule, financial model notes, use-of-proceeds schedule, collateral overview, diligence checklist, and data room index.
Closing Support
Closing support covers diligence coordination, counsel communication, conditions precedent, security package tracking, lender responses, and funding mechanics.
Request A Debt Recapitalization Quote
Submit the target facility size, current debt schedule, use of proceeds, borrower profile, collateral summary, repayment source, jurisdiction, and timing requirement.
Frequently Asked Questions
What is debt recapitalization?
Debt recapitalization changes a company’s financing mix by adding, replacing, refinancing, or restructuring debt. It is commonly used for refinancing, liquidity, acquisitions, shareholder distributions, maturity management, and covenant resets.
Can debt recapitalization fund shareholder liquidity?
Yes. A recap can fund shareholder liquidity where cash flow, collateral, lender appetite, leverage, and repayment capacity support the facility. Dividend recap files require careful debt sizing and post-closing covenant analysis.
What facility size does Financely support?
Financely generally supports corporate debt recapitalization mandates from USD 5,000,000, with stronger fit for transactions above USD 10,000,000.
Can Financely help refinance existing debt?
Yes. Financely can structure refinancing for senior debt, bridge debt, acquisition debt, Commercial Real Estate debt, asset-based loans, and private credit facilities.
Does Financely work on distressed recapitalizations?
Selective distressed mandates may be considered where there is real collateral, creditor visibility, a credible turnaround path, and a fundable exit plan.
Do upfront fees apply?
Yes. Financely operates through paid assessments, retainers, and success fees. Execution starts after indicative terms are accepted and onboarding fees are paid.
Financely provides commercial advisory, structuring, documentation, lender packaging, and financing coordination support. Banking, lending, legal, broker-dealer, investment advisory, fiduciary, trustee, paying agent, escrow, custody, and regulated distribution functions are performed by qualified counterparties where required. Financing remains subject to lender appetite, diligence, KYC, KYB, AML, sanctions screening, credit approval, collateral review, legal documentation, and closing conditions. Securities, private placements, bonds, loan notes, fund interests, and other regulated investment activity may require licensed or regulated counterparties.