Rather than dealing with loans one-at-a-time, we take a holistic approach to your lending structure. We review all debt, identify inefficiencies, and restructure your entire facility—consolidating, refinancing, and reallocating borrowing—for optimized cost, flexibility, and growth capacity.
The Challenge
You have multiple loans with different rates and terms and suspect you're overpaying
Your debt structure is fragmented and hard to manage
You need additional working capital credit but don't want another separate facility
You want to improve your borrowing capacity for growth but don't know how
Your financial covenants are restrictive and limiting your operational decisions
What's Included
Complete review of all debt, facilities, credit lines, and lease obligations. Analysis of current costs and inefficiencies.
Strategic recommendation for facility restructuring including consolidation, credit lines, maturity management, and growth capacity.
Access to lenders able to provide complete facility (term debt + credit line + growth options) with integrated pricing.
Negotiation of financial covenants to minimize restrictions on your operational and financial flexibility.
Complete management of restructure: consolidating existing debt, settling old facilities, and implementing new structure.
Why It Matters
Most growing businesses end up with a patchwork of debt: an equipment loan here, a bank loan there, a line of credit, maybe a vendor-provided finance. Each was arranged at different times with different terms. This fragmentation is inefficient and expensive. Facility optimization consolidates this into a single, streamlined structure. A business might have: $300k equipment finance at 6.5%, $500k bank loan at 5.8%, $100k overdraft at 8.5%, and scattered finance leases. We consolidate into: $900k facility at 5.2% with staggered maturities and an integrated credit line. Same debt, lower cost, more flexibility. Facility optimization also supports growth. As your business grows, you might need additional borrowing but your current loans don't provide flexibility. We structure the facility to provide growth capacity—a credit line or expansion facility that's approved upfront so when you need it (new hire, market opportunity), you can access it quickly.
Comprehensive lending structure review and optimization
Debt consolidation and rationalization
Access to credit lines for working capital flexibility
Debt repayment acceleration without cash flow impact
Improved financial covenants and borrowing capacity
Single facility manager for simpler administration
The Process
Complete debt audit: all loans, facilities, credit cards, lease obligations
Structure analysis: how efficient is your current facility? Are there better options?
Strategic recommendation: consolidation, refinancing, credit facilities, maturity staggering
Lender selection: which lender can provide integrated facility?
Negotiation: securing best terms for complete package vs. individual loans
Implementation: executing restructure with zero operational disruption
Best For
Growing businesses with fragmented debt structures wanting consolidation
Owners seeking significant cost savings through facility optimization
Businesses needing improved borrowing flexibility for growth
Growing SMEs outgrowing their current lending arrangements
Complementary Services
We broker business lending from Australia's major banks and alternative lenders. Rather than applying to one bank and hoping, we position your loan request to multiple lenders, negotiate terms, and secure the best rates and structure for your business. Our lending expertise ensures your application is presented professionally with all required documentation.
If you've had loans for more than a year or rates have changed, refinancing often saves significant money. We assess your current loans, identify refinancing opportunities, and execute the refinance to better terms. Common scenarios: rates have dropped, your credit has improved, or you can consolidate multiple loans.
Financial strategy translates business vision into financial reality. We develop 3-5 year financial plans aligned with your growth ambitions, identify capital requirements, plan for profitability milestones, and ensure financial decisions support strategic goals. This bridges the gap between business strategy and financial execution.
FAQ
Single loan: you get one better rate. Entire facility: you consolidate, improve terms, add working capital flexibility, and negotiate better overall. Lenders give better terms for larger, consolidated facilities.
Yes. Rather than all debt maturing at once, we stagger maturities so you don't face refinancing everything simultaneously. This reduces refinancing risk.
Most lenders include credit lines (overdraft, term loan facility) with term debt. A credit line provides flexibility for seasonal working capital, unexpected expenses, or opportunities.
Restrictive covenants (minimum ratios, profit levels, asset maintenance) can limit flexibility. We negotiate to remove or relax covenants where possible.
Typical costs are legal, valuation, and application fees ($1-2k total). For larger facilities, these are absorbed in negotiations or by new lenders.
Can't find the answer you're looking for? Get in touch
We can help you implement facility optimisation and start seeing results. Book a consultation to discuss your specific needs and explore how this service can transform your business.