Loan & Asset Structuring
Loan & Asset Structuring
Several loans can look manageable individually. We help you review their combined repayment load, costs and security arrangements, and consider how the financing and the assets behind it fit together.
01
Recognise the need
Several loans, property assets or overlapping commitments that no longer look coherent together.
02
Explain the options
What the facility can support, and what it commits you to.
Every option carries a trade-off. A lower repayment usually means a longer term and a higher total cost; a secured facility usually prices better but puts a named asset behind it.
Loan-book reviews
A review of what you already owe, mapped across time. The useful output is not a list of balances but a view of when the pressure arrives: which repayments cluster, which rates reset, and which facilities mature close together.
Can support
- Mapping maturities, so a cluster of them does not arrive unnoticed
- Reviewing the combined repayment load across every facility
- Comparing the blended cost of the current arrangements
- Identifying which commitments can be replaced, and which should stay
Commitments to weigh
- A restructuring carries its own cost, and the benefit is realised over time
- Untangling cross-secured facilities can involve valuation and legal work
- Some facilities carry terms that make an early exit expensive
- Any recommendation depends on the accuracy of the information we are given
Debt and asset considerations
Where a business and a property holding sit side by side, the debt on one affects the capacity of the other. We look at financing purpose, cost and security together, so a decision taken now does not close off an option next year.
Can support
- Considering how business debt affects property borrowing capacity
- Reviewing which assets secure which facilities, and whether that should change
- Comparing feasible restructuring scenarios against each other
- Identifying the documents needed to progress a chosen route
Commitments to weigh
- Releasing equity increases the debt secured on the property
- Changing security arrangements affects every facility in the group
- We do not provide investment, tax or legal advice; specialist work should go to an appropriately qualified adviser
- A structure that eases today's pressure can create a cost later in the term
What will be assessed
- Each facility: balance, repayment amount, rate, remaining term and fees
- The purpose behind each facility, and whether that purpose still holds
- Security and any cross-collateral arrangements between facilities
- Cash-flow pressure points over the next twelve to twenty-four months
- The relevant asset commitments and their current position
Useful for a first discussion
- A loan schedule: balances, monthly repayments, rates and remaining terms
- The security attached to each facility
- Approximate values of the assets involved
- A note on the decision you are trying to make, and your time frame
None of this is required to start. A conversation is enough, and we will ask for documents only when they are needed.
Signature format
Capital Structure Review
A recommended service format for customers with several loans, significant assets or an upcoming financing decision.
Input
Loan schedule, balances, repayment amounts, rates, remaining terms, fees, security and relevant asset commitments.
Review
Map maturities, cash-flow pressure, financing purpose, cost and security. Identify gaps and compare feasible restructuring scenarios.
Output
A concise loan map, option comparison, assumptions, recommended actions and the documents needed to progress.
Scope and fees are set out in an engagement letter before any work begins. Debt and asset structuring is described precisely, and any specialist investment, tax or legal work is confirmed with the appropriately qualified adviser.
03
Show the process
Understand the position. Review the options. Coordinate. Follow through.
- 01
Understand
We start with what the funding has to do, how you expect to repay it, and what is already committed. That is what decides the shape of the facility, not the other way round.
- 02
Review
You see the options side by side — amount, term, monthly repayment and total cost over the life of the facility — with the assumptions stated and the trade-offs named.
- 03
Coordinate
We agree a document list, prepare and submit the applications, and keep track of where each one has reached. You always know which side owes the next step.
- 04
Follow through
After disbursement we confirm the outcome in writing and agree when a review makes sense — a rate reset, a maturity, or a change in the business.
04
Invite a discussion
Questions about this?
Ask before you apply for anything. An answer costs nothing and often changes which facility is worth pursuing.
Common questions
How does a loan review begin?
With your existing schedule: balances, monthly repayments, rates, remaining terms and the security attached to each facility. From there we map when the pressure arrives — clustered repayments, rate resets, facilities maturing together — and compare the feasible routes out of it.
What information should I prepare before we speak?
Less than most people expect. For business financing, six to twelve months of bank statements and a list of existing facilities is usually enough for a first view. For a mortgage, the property details plus your income and existing commitments. You do not need a business plan or a completed application form to start.
Can I enquire if I don't know the amount I need?
Yes, and it is common. Tell us what the funding has to do and roughly when, and leave the amount open. Working backwards from the purpose is usually more accurate than picking a figure first, because the amount and the repayment have to be affordable together.
A considered next step
Tell us what the funding needs to do.
Describe the position in a sentence or two. You do not need the right loan type or a figure — we will work through that with you.