A clearer view of the debt you have, and the debt you need.
For companies and property owners reviewing maturities, covenants, lender relationships or a capital structure that no longer fits the business.
Discuss your financing
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Perspective
How we approach debt & refinancing.
Capital structures drift. A facility sized for a smaller company, a covenant set during a different cycle, or a maturity that arrives at an inconvenient moment can constrain decisions that should be about the business.
We review existing obligations alongside your plans, identify what a refinancing or restructuring would need to accomplish, and help you approach lenders with a clear, consistent case.
Appropriate Uses
- Refinancing maturing commercial debt
- Consolidating multiple facilities
- Replacing restrictive covenants or structures
- Releasing collateral or personal guarantees where lenders allow
- Preparing for a lender relationship change
Suitability Considerations
- Refinancing may involve prepayment penalties, fees or new collateral requirements.
- Lenders will evaluate current performance, not only historical results.
- Consolidation does not necessarily reduce total cost; terms must be compared carefully.
- Engage legal and tax advisors for implications specific to your situation.
Preparing for Review
What a first review typically draws on.
You don't need any of this to submit an inquiry. Please don't upload tax returns, bank statements or identification numbers through this site. We'll discuss secure next steps if a review moves forward.
- Schedule of existing debt: lender, balance, rate, maturity, collateral
- Most recent loan agreements or term summaries
- Last two years of financial statements and current interim
- Description of what the refinancing should accomplish
Questions
Frequently asked.
Will refinancing lower my payments?
Not necessarily. Outcomes depend on lender terms, current performance and market conditions. We help evaluate options; we do not promise savings.
Can you negotiate with my current lender?
We can help you prepare for those discussions and coordinate with prospective lenders. We do not provide legal representation.
Is this suitable for distressed situations?
Some situations are better suited to our Special Situations conversation, and some require legal or restructuring counsel. We will say so if that is the case.
LuxeBridge Capital Advisory is a commercial finance intermediary and advisor, not a direct lender. Any financing is subject to underwriting, due diligence, lender or investor approval and transaction-specific terms. No rate, amount, timeline or outcome is guaranteed. Where a transaction requires a licensed broker-dealer or agent, LuxeBridge acts through introductions and coordination alongside the client's licensed adviser.