Refinancing, Restructuring & Capital Raise
When does refinancing make sense?
Facilities put in place two or three years ago rarely fit the business as it is today. Refinancing brings the borrowing back in line with the trading, the assets and the plan.
A loan reaching the end of its term, a bullet repayment falling due, or facilities taken in a hurry at a rate the business no longer needs to pay.
Extending terms, resetting covenants or moving to interest-only for a period when trading has changed and the current structure is choking cash flow.
Several loans, advances and hire purchase agreements running side by side, each with its own payment date and fee. One facility, one payment, lower cost.
Releasing equity from property, plant or a strong balance sheet to fund investment, pay a dividend, buy out a shareholder or settle a liability.
How a refinance comes together
Discovery call
Lender terms provided
Funds issued
What lenders look at
Straight refinance, consolidation or capital raise?
*Indicative only. Savings, terms and timing depend on the lender, your security and any early repayment costs on existing facilities.
Review your facilities
Tell us what you have in place and what you want to change, and one of our corporate finance advisers will call you back, usually the same working day.
Client Testimonials
Refinancing and Restructuring FAQs
When existing facilities are more expensive than the market, when they mature or fall due, when the business has outgrown restrictive terms or covenants, or when it wants to raise additional capital against assets it already owns. A review every two to three years is sensible.
Possibly. Many term loans and commercial mortgages carry early repayment charges in the first few years. We obtain redemption figures from your current lenders and weigh any charges against the savings or capital a refinance would deliver.
Yes. Consolidating loans, merchant advances, hire purchase agreements and overdrafts into a single facility is one of the most common refinancing exercises. It usually lowers the monthly cost and simplifies cash flow management.
Borrowing against property, plant or a strong balance sheet to release cash for investment, a dividend, a shareholder exit or to settle a liability. Lenders want a clear purpose and a business that can comfortably service the additional debt.
Often, yes. A lender saying no usually reflects their own appetite rather than the business. With an extensive lender panel we can identify lenders who take a different view of your sector, security or trading position.
Changing the shape of existing borrowing rather than replacing it: extending terms, moving to interest-only for a period, resetting covenants or re-ranking facilities. It can be done with your existing lenders or as part of a wider refinance.
Four to eight weeks for straightforward cases, longer where property valuations, multiple lenders or the release of existing charges are involved. We coordinate the old and new lenders so the switch happens on a single completion date.
Have More Questions?
Schedule a Call with our Team
Latest on Business Finance
Why Ramsay & White?
Ramsay & White Corporate Finance is a trading name of Ramsay & White Corporate Finance Ltd, which is an Appointed Representative of New Leaf Distribution Ltd, authorised and regulated by the Financial Conduct Authority, FCA number 460421. Ramsay & White Corporate Finance is a credit broker and not a lender. We work with a panel of lenders to find you a potentially suitable arrangement for consideration. ICO registration ZC246341, which you can check via www.ico.org.uk. Registered address: 7 Soundwell Road, Staple Hill, Bristol, United Kingdom, BS16 4QG. Registered in England & Wales. Registration number: 17450526.
We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: fixed fee, fixed rate of commission, percentage of the amount you borrow and rate for risk (this is based on the risk profile of the application). Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey.