The Crunch

In recent years, due to the financial crisis, banks have become scared and are asking their clients to cut their debts owed to them, the banks.  What does that mean? This means that companies have had to put more money into paying back their debt and this creates a crunch not just on the working capital but it also means that they are not able to:


1) Expand,
2) Go after new business ventures,
3) Hire new employees, or
4) Invest in research and development (R&D).

Financial Relief

As merchant bankers what we offer is financial relief by refinancing existing mortgages (whether commercial or industrial).

In refinancing the mortgage the outstanding amount can be increased so that working capital can be injected into the company. 

The bonus here is that when refinancing a business mortgage, it becomes possible to combine to that funding any outstanding equipment finance loans or leases, which again creates automatic working capital for a company or business.

Restructuring the Debt

By restructuring the business debt, cash-flow can also be improved in several ways, by way of:

1) Refinancing and consolidating the existing debt, which will grant the company a longer amortization period, and/or

2) By injecting equity, which is equal to giving the company a blood transfusion, taking in consideration its actual financial situation and its development for the next 3-5 years.