Debt Advisory

CreditSME provides small and medium sized business with a debt advisory service that can cover a broad range of services relating to the debt capital structure of the business. Broadly, this service includes setting and implementing a strategy to achieve the optimal capital structure and best loan terms for a business.

More specifically, the service may include running a competitive process with a number of banks for a new loan or refinancing, reviewing and negoitating terms with prospective convertible note investors or arranging a larger loan facility with a number of private lenders.

Our debt advisory service is typically for businesses seeking loans of between $2m and $100m. We offer a very competitive fee structure that can be tailored to your objectives including success based pricing. 

Call us today (1300 001 567) to discuss how our debt advisory services can assist your business.

Typical debt advisory assignments

New loan facility

For new loan facilities, CreditSME will typically:

  • Determine the most appropriate debt structure for the business;
  • Outline expected loan terms before approaching lenders;
  • Run a competitive process with a group of the most suitable lenders;
  • Assist in the lender diligence process;
  • Negotiate final terms with the selected lender; and
  • Manage the process all the way through to completion.


The process for a refinancing will generally follow the same process as a new loan.

This includes forming a view on the best pricing that is likely to be achievable and then running a competitive process with a group of selected lenders to achieve these targeted loan terms.


Other assignments include:

  • Reviewing and negotiating convertible loan terms or other structured loan products;
  • Arranging debt capital with non-bank lenders including for complex or difficult situations;
  • Assisting with negotiations with an existing lender;
  • Prepare debt related analysis and/or presentations for internal and external stakeholders.

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