Business Loan Modification
Sometimes the debt is sound and the structure is wrong. We prepare the documentation lenders need to justify a modification, then negotiate revised rates, terms, and amortisation that leave working capital in the business.
How the process runs
Lender package
We assemble the financial narrative and supporting statements a credit committee expects to see.
Modification proposal
Rate, term, and amortisation scenarios are modelled and presented with your preferred outcome first.
Negotiation
We manage the back-and-forth with the lender's workout or servicing group.
Documentation
Revised agreements are reviewed line by line before anything is signed.
Who this is for
- Borrowers current on payments but capital-starved
- Businesses with seasonal or project-based revenue
- Companies preparing for a growth phase or ownership change
What a completed plan delivers
- Lower effective interest cost
- Extended runway
- Working capital retained in the business
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