Debt advisory built around the borrower. Funding. Liquidity. Negotiation.
Cashflow, liquidity, debt capacity and near-term funding pressure
Structures
Compare debt options and build a funding path that fits the plan
Execute
Lender engagement, negotiation, refinance and ongoing monitoring
Take a strategic approach to debt before the lender controls the timeline.
Cash visibility
How much cash is actually available over the next 13 weeks and where pressure is building.
Facility structure
Whether existing debt facilities are correctly structured for the current trading reality.
Funding capacity
Which funding options create capacity without unnecessary dilution or excessive security.
Lender position
What needs to be presented to lenders, investors or private credit providers to support a better outcome.
When debt advisory becomes a board-level issue.
Existing facilities are close to capacity.
Growth is constrained because the current facility is fully drawn or no longer reflects the size of the business.
Cashflow pressure is increasing.
Debtor timing, creditor pressure, stock build-up or seasonal trading patterns are tightening liquidity.
Funding costs feel too high.
The business is paying more than it should, or the real cost of capital is unclear once fees, security and restrictions are included.
Covenants need attention.
Bank covenants are under pressure, forecast headroom is narrowing or lender reporting needs a stronger narrative.
A refinance is coming up.
The business needs to test alternatives, create competitive tension and approach the market with the right information.
A growth plan needs capital.
Acquisition, capex, expansion or working capital requirements need funding that does not damage the balance sheet.
How AMG supports debt and liquidity decisions.
Cashflow and working capital assessment
Build a practical view of inflows, outflows, debtor timing, creditor pressure and funding needs so decisions are made from real visibility.
Funding options and capital structure review
Assess bank debt, private credit, working capital finance and alternative structures against cost, speed, security and business flexibility.
Lender engagement and covenant support
Prepare lender materials, support covenant discussions, negotiate amendments and build the financial narrative required for a better outcome.
Refinancing and debt restructuring
Coordinate the process, compare term sheets, manage information requests and help management move from options to execution.
A practical process from assessment to execution.
Situational assessment
Review trading performance, cashflow, current facilities, security position and immediate funding constraints.
Options analysis
Identify suitable debt and liquidity options, compare costs and assess likely lender or credit provider appetite.
Market and negotiate
Prepare information, manage conversations, build competitive tension and negotiate terms that work for the borrower.
Execute and monitor
Support implementation, lender reporting and cashflow monitoring so the structure continues to serve the business.
Built for businesses where capital decisions need more discipline.
Companies and management teams
For businesses that need to stabilise cashflow, refinance debt, negotiate with lenders or fund growth without losing control of the process.
- SMEs and mid-market businesses
- Founder-led companies preparing for growth
- Businesses with long debtor cycles or covenant pressure
- Companies preparing for acquisition, capex or exit planning
Advisers and stakeholders
For accountants, lawyers, investors and boards that need a clearer capital position, funding pathway or independent view before decisions are made.
- Accountants and external CFOs
- Legal advisers supporting lender discussions
- Private investors and family offices
- Boards assessing liquidity and capital options