COLOSSAL FINANCE ─── CAPABILITIES / REFINANCE & RESTRUCTURE
─── REFINANCE & RESTRUCTURE · TYPICALLY BLUE
When the facility no longer fits,the structure has changed before the rate.
Refinancing isn't about getting a lower rate. It's about realigning your capital structure with where the business is now — and where it's going. The rate follows the structure.
─── WHEN THIS MATTERS
You might be here because…
Your existing facilities have outgrown the business.
What made sense three years ago constrains you today. Limits are too small, covenants are too tight, security is inefficiently allocated.
You're approaching a covenant pressure point.
A bad quarter, an acquisition, a growth investment — something has changed and your covenants no longer reflect operating reality.
You're consolidating accumulated facilities into a coordinated structure.
Multiple facilities from multiple lenders, none talking to each other, collectively costing more than a properly-designed structure.
─── HOW WE STRUCTURE IT
From simple refinance to full restructure.
Refinance and restructure engagements range from simple single-facility replacements to complex multi-lender consolidations. We approach each based on what the situation requires.
Single-facility refinance
Replacing one facility with a better-structured alternative. Often faster and simpler than businesses expect.
Multi-facility consolidation
Bringing together multiple facilities into a coordinated structure that reduces cost and complexity.
Covenant restructure
Renegotiating covenant packages that no longer reflect business reality, either with existing or new lenders.
Balance sheet optimisation
Reviewing the entire capital structure to identify inefficiencies and release trapped capacity.
─── THE LENDER LANDSCAPE
Refinance competition benefits you.
Lenders compete for refinance opportunities. We use that competition to your advantage.
Major Bank Refinance Teams
Competitive on relationship refinances, preference for straightforward structures.
Second-Tier Banks
Often more competitive on refinance pricing, appetite to win new relationships.
Non-Bank Specialists
Speed and flexibility, appetite for complexity, higher cost but faster execution.
Private Credit
For complex restructures, covenant flexibility, bespoke arrangements.
─── CASE STUDY
Facility size
$6.8M
Facilities consolidated
8
Previous lenders
3
Annual savings
$95K
SA agricultural operator — multi-lender consolidation.
A SA agricultural operator had accumulated eight facilities across three lenders over 15 years. Equipment finance, overdrafts, term loans, and a line of credit — none coordinated, security cross-collateralised inefficiently, and covenant reporting consuming significant management time.
We consolidated all eight facilities into a single multi-purpose facility with one lender. The new structure released security for future equipment, simplified covenant reporting to one annual review, and reduced total annual cost by $95K.
The client now has one relationship, one facility agreement, and clear capacity for the next growth phase.
─── WHAT IT LOOKS LIKE WITH US
How we approach refinance.
Structure review
We review all existing facilities, identify inefficiencies, and model restructure scenarios.
Options analysis
We present restructure options ranging from minor adjustments to complete consolidation.
Market approach
We approach lenders — including your existing lenders — with the restructure opportunity.
Transition management
We manage the refinance process, including payouts, releases, and new facility settlement.
Is your capital structure due for a review?
Start with a conversation about your current facilities and where the business is heading.