Financely advises companies facing debt pressure from maturities, covenant stress, liquidity squeeze, weak refinancing options, or lender fatigue. We help management assess the stack, frame the restructuring path, prepare creditor-facing materials, and manage the process with more control.
What This Service Covers
Debt problems rarely stay contained. A maturity wall turns into a liquidity problem. A covenant issue becomes a lender confidence issue. One stressed facility starts affecting suppliers, payroll, investor sentiment, and the company’s ability to trade normally. By the time management reacts late, the negotiation position is usually weaker and the creditor group has already formed a view.
Our debt restructuring advisory service is built for companies that need a real workout process, not vague strategic talk. We review the debt stack, identify pressure points, prepare the restructuring narrative, help organize management’s response, and support lender-facing communication around extensions, waivers, amendments, standstills, resets, or broader restructuring discussions.
Debt Stack Review
We map the facilities, maturity profile, covenant position, security package, lender priorities, and cross-default or timing risks shaping the restructuring path.
Creditor Strategy
We help define the negotiation posture, information flow, restructuring asks, and the sequence in which lenders or creditors should be approached.
Restructuring Materials
We prepare the creditor-facing logic around liquidity, business performance, proposed remedies, and why the requested path is commercially better than a disorderly outcome.
Process Control
We help management stay ahead of deadlines, waiver requests, amendment discussions, and internal confusion during a pressured negotiation.
What We Typically Review
| Workstream | Review Focus |
|---|---|
| Facilities And Documents | Maturities, amortization, covenants, baskets, defaults, cure rights, security terms, and intercreditor pressure points. |
| Liquidity Position | Cash runway, weekly visibility, upcoming obligations, working capital strain, and immediate shortfall timing. |
| Business Case | Operational performance, forecast stress, downside risks, and what recovery path can realistically be defended to creditors. |
| Negotiation Route | Waivers, maturity extensions, covenant resets, payment holidays, amendment requests, refinancing bridge paths, or broader restructuring options. |
Pricing
Core Mandate
USD 20,000
For smaller debt situations with a limited creditor group and a narrower restructuring scope.
- Initial debt stack and liquidity review
- Restructuring framing and negotiation support
- Suitable for simpler amendment or waiver cases
Expanded Mandate
USD 50,000
For multi-facility situations needing deeper restructuring work and more active creditor coordination.
- Broader creditor-facing material preparation
- Heavier negotiation support and scenario work
- Suitable for covenant stress and near-term maturity pressure
Complex Mandate
Up To USD 100,000
For layered capital structures, multiple lenders, urgent workouts, or more severe stress.
- Complex restructuring path support
- More intensive management and creditor workstreams
- Final retainer depends on urgency, debt size, and complexity
Frequently Asked Questions
Is this only for distressed companies close to default?
No. The service is often most useful before the situation hardens. Early action usually gives management more room to negotiate.
Do you replace restructuring counsel?
No. This is a commercial and creditor-process advisory service. Legal drafting, insolvency advice, and formal legal interpretation should come from qualified counsel.
Can you help with one lender only?
Yes. Some mandates involve a single stressed facility. Others involve multiple lenders, shareholder debt, or layered obligations.
Why is pricing a range?
Because debt restructurings vary widely in urgency, lender count, documentation burden, and negotiation difficulty. The retainer scales with the work actually required.
Financely provides debt restructuring advisory on a best-efforts basis. Scope depends on debt size, lender mix, time pressure, document availability, and management cooperation. This service supports restructuring preparation and creditor-facing process management. It is not a guarantee of lender agreement, refinancing, or transaction completion.