Debt Advisory

With decades of experience between team members and business partners, we possess a profound understanding of how financial institutions, both traditional banks and alternative lenders, evaluate the debt capacity of businesses. Leveraging our expertise in Debt Advisory, we have successfully assisted numerous clients in optimising their debt structures, collaborating closely with their accountants and lawyers to model the ideal debt profile for acquisition funding. Our services in this realm encompass the following:

Building a compelling business case: We work meticulously with clients to develop comprehensive business cases that demonstrate earnings normalisation acceptable to lenders. By effectively presenting the financial projections, we enhance the likelihood of obtaining favourable debt financing terms.

Stress testing forecasts: Through careful analysis and stress testing, we evaluate the robustness and viability of financial projections. This exercise allows us to anticipate potential risks and challenges and propose mitigation strategies to ensure the sustainability of the debt structure.

Covenant testing: We conduct thorough covenant testing to assess the feasibility of meeting financial requirements imposed by lenders. By evaluating the business’s ability to satisfy covenant ratios, we strategically navigate the negotiation process to secure flexible and favourable covenant terms.

Amortisation settings: Our expertise extends to determining optimal amortisation settings for debt facilities. By aligning the repayment structure with the cash flow dynamics and long-term objectives of the business, we help clients minimise financial strain and optimise the utilisation of funds.

Home loan pre-approvals: We streamline the home loan pre-approval process, enabling clients to gain a clear understanding of their borrowing capacity before initiating property searches. Our expertise in this area allows us to expedite the pre-approval process and provide clients with a competitive advantage in the real estate market.

Refinancing existing loan facilities: We offer refinancing solutions for clients seeking to optimise their current loan structures. Through a comprehensive market analysis, we identify opportunities for lower interest rates or improved loan terms, ultimately helping clients reduce costs and achieve their financial goals.

Refinance and restructure owner-occupied home loans or investment property loans for equity utilisation: We assist clients in unlocking the potential equity in their owner-occupied homes or investment properties. By refinancing and restructuring loan facilities, we provide clients with the means to utilise their equity for personal or investment purposes.

At 2M Capital Partners, our extensive experience, broad lender network, and personalised approach enable us to deliver tailored mortgage solutions that align with the unique requirements of each client.

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Debt Advisory

Debt Advisory

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