Debt Funding Built Around Your Business.
Every business and every funding requirement is different.
Altocrest provides independent debt advisory support to management teams, shareholders and investors, helping them assess their funding options, structure the right solution and navigate the lender market from initial strategy through to completion.
We advise across the UK debt funding market, including banks, challenger banks, private credit funds, asset-based lenders and specialist finance providers.
Funding for Important Business Events.
HOW WE CAN HELPWe advise clients across a range of debt funding requirements.
Acquisition Finance
Debt funding can play an important role in supporting acquisitions and buy-and-build strategies.
We help clients assess how much debt the combined business can sustainably support, determine the appropriate funding structure and identify the lenders best suited to the transaction.
Our role includes managing the lender process, presenting the acquisition and wider business case, negotiating terms and supporting the transaction through to completion.
Management Buyouts
Management buyouts require a funding structure that works both at completion and for the business afterwards.
We work with management teams, shareholders and advisers to assess debt capacity, structure the funding requirement and secure financing to support the transaction.
This includes helping lenders understand the management team, the business, the transaction rationale and the ability of the company to service the proposed debt.
Refinancing
The funding needs of a business can change significantly over time.
A refinancing may be required to increase available funding, improve flexibility, replace an incumbent lender, simplify an existing structure or secure more appropriate terms.
We assess the existing facilities, understand what the business needs from its next funding structure and run a competitive process across the lender market.
Growth & Capital Expenditure
Debt funding can provide businesses with the capital required to invest without necessarily raising additional equity.
We advise on financing for new sites, equipment, technology, strategic projects and other investment required to support future growth.
Our focus is on ensuring the funding structure provides sufficient capacity while remaining sustainable and appropriate for the cash generation of the business.
Working Capital
Growing businesses often require additional liquidity to support the gap between paying suppliers and collecting cash from customers.
We advise on a range of working capital facilities, including:
Revolving credit facilities
Overdrafts
Invoice finance
Trade finance
Asset-based lending
Other specialist working capital solutions
The appropriate structure depends on the nature of the business, its working capital cycle and how funding requirements are likely to develop over time.
More Than
Introducing a Lender.
A successful debt funding process requires more than identifying who might provide the money.
Lenders need to understand the business, the funding requirement, the risks and, most importantly, how they will be repaid.
We manage the process from the outset, helping clients structure and present the opportunity in a way that gives lenders the information and confidence required to make a credit decision.
OUR APPROACH01Understand
We begin by understanding the business.
This includes its strategy, management team, financial performance, cash generation, customers, market position and future plans.
We also establish exactly what the funding is intended to achieve and what an appropriate outcome looks like for the client.
02Assess & Structure
We assess the ability of the business to support debt and consider the funding structures available.
This includes reviewing leverage, cash generation, debt service capacity and the wider factors lenders are likely to consider when assessing the opportunity.
We then develop a proposed structure designed around the needs of the business.
03Prepare & Position
We prepare the materials required to take the opportunity to market.
The objective is not simply to provide lenders with financial information, but to present a clear and balanced credit case that allows them to properly understand the business and funding requirement.
We anticipate the areas lenders are likely to focus on and ensure these are addressed early in the process.
04Approach the Market
We identify the lenders most appropriate for the business, sector, transaction and funding requirement.
Rather than approaching the market indiscriminately, we focus on lenders where there is a credible strategic and credit fit.
We then manage engagement across those lenders to create a structured and competitive process.
05Negotiate
Headline pricing is only one part of a debt proposal.
We help clients compare lender offers across:
Funding quantum
Pricing
Amortisation
Covenants
Security
Flexibility
Additional funding capacity
Fees
Documentation requirements
We negotiate across the proposals to achieve the strongest overall outcome for the client.
06Complete
Our involvement continues after a lender has been selected.
We support the business through due diligence, final credit approval, legal documentation and completion, working alongside management, lenders, lawyers and the wider advisory team.
Our objective is to ensure that the commercial terms agreed during the funding process are reflected appropriately through to completion.
Seeing the Transaction From the Lender's Perspective.
UNDERSTANDING CREDITOne of the key differences in Altocrest's approach is our experience of both sides of the lending relationship.
Our background includes working within bank credit teams as well as advising companies on raising debt funding.
This means we understand how lenders assess risk, what information credit teams require and the issues that can prevent an otherwise attractive transaction from progressing.
By considering these points before approaching the market, we are able to position the opportunity more effectively and manage potential credit concerns earlier in the process.
Finding the Right Lender.
Different lenders have very different appetites, structures and credit requirements.
The right lender for one business may be completely inappropriate for another.
We advise across the wider debt funding market, including:
HIGH-STREET BANKSTraditional relationship-led financing including term debt, revolving facilities and working capital.
CHALLENGER BANKSFlexible lenders often able to support transactions outside traditional bank parameters.
PRIVATE CREDITInstitutional capital providing higher leverage, greater structural flexibility or financing for more complex transactions.
ASSET-BASED LENDINGFunding secured against receivables, inventory, property and other business assets.
Focused on the Right Outcome.
INDEPENDENT ADVICEAltocrest is not tied to any individual lender or funding product.
Our role is to advise our clients.
That means assessing the funding options available, explaining the trade-offs between them and helping the business choose a structure that supports both its immediate objectives and its longer-term plans.
The highest amount of debt is not always the best solution, and the lowest headline margin does not always represent the best proposal.
We focus on the overall funding package and what it means for the business.
Considering Your Funding Options?
Whether you are planning an acquisition, completing a management buyout, refinancing existing facilities or looking for additional capital to support growth, we would be pleased to discuss your requirements.
An initial conversation allows us to understand the business, consider the potential funding options and determine how Altocrest can help.