Loan Restructuring & Refinancing

Businesses that secured financing during periods of high interest rates, rapid growth, or financial pressure often find themselves locked into terms that no longer reflect their current position or market conditions. Restructuring an existing facility — or refinancing across multiple lenders — can materially reduce monthly obligations and improve overall financial health.

Findirect provides independent advisory on debt restructuring and refinancing, acting solely in the interest of the borrower throughout the process.

Our advisory covers:

• Loan Refinancing — replacing an existing facility with a lower-rate or better-structured alternative
• Multi-Bank Debt Consolidation — combining obligations across several institutions into a single, manageable facility
• Repayment Rescheduling — negotiating revised EMI structures or extended tenors with existing lenders
• Distressed Credit Advisory — confidential guidance for businesses facing repayment difficulties or bank pressure
• Bank Negotiation Support — representing your position in discussions with relationship managers and credit teams
• Financial Health Assessment — a detailed review of your current debt structure and a prioritised action plan

Early engagement produces the best outcomes. We recommend businesses seek advisory before a facility reaches critical stress — not after.