Corporate Debt & Refinancing Advisory
Helping established businesses navigate loan pressure, refinancing decisions, and balance sheet complexity
As businesses mature, financing structures often become layered over time — multiple loans, different lenders, changing terms, and evolving operating needs.
What worked years ago may no longer fit the business today.
Lions Financial provides advisory support to established companies seeking clarity and stability around existing debt, refinancing decisions, and lender relationships — helping leadership teams manage financing proactively rather than reactively.
When companies typically reach out
This service is usually triggered by a specific event or concern.
Common situations include:
- A bank loan is approaching renewal at significantly higher interest rates
- Lenders are raising covenant concerns or requesting additional reporting
- The company has multiple loans that no longer work well together
- Cash flow feels tighter despite strong operations
- Growth has outpaced the original financing structure
- Management wants an independent advisor before negotiating with lenders
- Leadership wants to strengthen the balance sheet without drastic measures
Often, companies are healthy operationally — but financing structure is creating pressure.
What This Service Is
Corporate Debt & Refinancing Advisory focuses on existing financing, not new capital raising.
We help companies evaluate their current debt structure, understand lender expectations, and plan refinancing or restructuring strategies that support long-term operations.
We do not act as bankruptcy advisors or distressed investors.
Our goal is to help businesses address issues early — before problems escalate.
Existing Debt Advisory
Refinancing Strategy
Independent Financial Perspective
Early Risk Management
How We Support Established Businesses
1. Debt Structure & Balance Sheet Review
1. Existing loans and credit facilities
2. Interest rate exposure
3. Covenant requirements
4. Maturity timelines
5. Collateral structure
6. Payment obligations across lenders
2. Covenant & Lender Position Assessment
We help evaluate:
• Covenant headroom and compliance risk
• Reporting expectations
• Potential lender concerns before negotiations begin
• Options available if performance fluctuates
3. Refinancing Strategy Planning
We help leadership evaluate:
• Timing of refinancing
• Alternative lender structures
• Payment profile improvements
• Interest rate trade-offs
• Consolidation of facilities
• Flexibility for future growth
4. Advisory During Lender Discussions
• Prepare for lender discussions
• Evaluate proposed terms
• Understand implications beyond interest rates
• Coordinate with CFOs and advisors
5. Long-Term Balance Sheet Planning
• Managing leverage responsibly
• Aligning financing with operating cycles
• Preparing for future capital needs
• Avoiding recurring refinancing pressure
Our Advisory Approach
We work alongside leadership teams — not instead of them.
Our role is to provide clarity and structure for decision-making, especially when internal teams are focused on operations.
We focus on:
- Early intervention rather than crisis response
- Practical financial solutions
- Preserving lender relationships
- Supporting sustainable business operations
Who This Service Is Designed For
Typically appropriate for:
- Established operating companies
- Asset-heavy businesses
- Companies with $1M+ financing structures
- Businesses managing multiple credit facilities
- Companies with CFOs or controllers seeking external perspective
- Owners preparing for loan renewals or refinancing cycles
This service is not intended for distressed liquidation or bankruptcy proceedings.
What Working Together Looks Like
Step 1 — Initial Review
Understand current financing structure and concerns.
Step 2 — Financial Assessment
Analyze debt structure, covenants, and refinancing options.
Step 3 — Strategy Development
Develop practical approaches for lenders and refinancing.
Step 4 — Advisory Support
Assist leadership during negotiations and implementation.
Engagement Structure
Engagements are typically advisory-based and may include:
- Balance sheet review engagements
- Refinancing strategy advisory
- Ongoing support during lender negotiations
Scope depends on complexity and urgency.
Frequently Asked Questions
Are we in trouble if we need this service?
Not necessarily. Many companies engage us proactively before issues become serious.
Do you replace our CFO or finance team?
No. We support leadership and internal teams with independent analysis and perspective.
Do you handle bankruptcies or restructurings?
No. Our focus is helping companies stabilize and optimize financing before reaching that stage.
Can you review our current loan terms?
Yes. Reviewing existing financing structures is often the starting point.
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Discuss Your Financing Structure
If your company is approaching a loan renewal, experiencing lender pressure, or simply wants a clearer path forward, we can help you evaluate options and plan strategically.
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