Refinancing & Lender Negotiations
Expert support for businesses approaching lenders — refinancing existing facilities, negotiating covenant amendments, and securing new funding.
When the Banking Relationship Gets Difficult
Businesses under cash pressure often need to renegotiate their banking facilities — whether that means amending covenants, extending terms, increasing headroom, or moving to a new lender entirely. At the same time, HMRC arrears can accumulate quickly, adding another creditor to manage.
The problem is that most management teams only deal with lenders occasionally. Banks and alternative funders do it every day. Without credible financial documentation, a clear narrative, and an understanding of what lenders actually need to see, businesses go into these conversations underprepared — and come out with worse terms than they should.
Negotiating From a Position of Strength
We sit alongside your management team and present a credible, well-documented case to lenders. Whether you're refinancing existing debt, seeking new facilities, or negotiating with HMRC, we bring the financial rigour and lender-facing experience that changes the dynamic of the conversation.
- Facility review and options analysis — we assess your current banking arrangements, identify constraints, and map out realistic refinancing options including alternative lenders and asset-based lending
- Information memorandum preparation — a lender-ready package including trading history, forecast, management narrative, and sensitivity analysis to the standard banks expect
- Covenant negotiation — where existing facilities can be preserved, we negotiate amended covenants, waiver requests, and revised terms that reflect the business's actual position
- New lender introductions — access to our network of clearing banks, challenger banks, ABL providers, and private credit funds, matched to your business profile and requirements
- HMRC Time to Pay negotiation — structured proposals to HMRC backed by cash flow evidence, securing manageable payment schedules for VAT, PAYE, and Corporation Tax arrears
- Lender management through completion — we stay involved through due diligence, credit committee, and drawdown to make sure the deal closes on the terms agreed
What You Get
- A clear refinancing strategy with identified options and a recommended approach
- Lender-ready documentation that meets institutional standards
- Professionally managed lender negotiations from initial approach through to completion
- HMRC Time to Pay arrangements with realistic, evidenced payment proposals
- Ongoing lender relationship support during the transition period