Debt structuring

Restore a sustainable debt profile

Debt structuring is about adapting a company’s debt structure to its current financial situation.

At Ernest Partners, we help companies rethink maturities, repayment profiles and financing terms when the existing debt structure no longer fits their cash flows or financial reality.

The goal is to restore a sustainable and realistic funding structure, improve predictability and stabilise relationships with lenders.

Review your debt structure

When should you look at debt structuring?

Debt structuring becomes especially important when the current debt structure no longer fits the company’s cash flows, financial situation or future needs.

Typical situations include:

repayment profiles no longer match cash flow generation
debt maturities are misaligned with the company’s assets or financial situation
the company is facing covenant pressure
financial pressure is increasing
lender discussions are becoming more sensitive
management wants to restore breathing room and improve predictability

How Ernest Partners can help

Ernest Partners analyses the company as a whole, not only its existing debt structure.

We look at the company’s financial situation, existing debt, business plan, budget, cash flows and current context to understand where pressure arises and how the debt structure can be adapted.

Within this broader analysis, we review existing debt structures, maturities and repayment profiles. We assess whether the financing terms still match the company’s current cash flows and financial reality.

Based on this analysis, we support clients in redefining financing terms and assist in discussions with lenders.

Discuss your debt structure

Our approach

We work in three main phases: analysis, pitching and closing.

Analysis

We start with a comprehensive analysis of the company. This includes its financial situation, existing debt, business plan, budget, cash flows and current context.

Within that broader review, we analyse the existing debt structure, maturities, repayment profiles and financing terms. This allows us to assess whether the current funding structure is still sustainable and realistic.

Based on this analysis, we also prepare the financial materials needed for lender discussions, including the company’s financial situation, current debt structure, proposed way forward, key business risks and the actions taken to mitigate them.

Pitching

During the pitching phase, we support discussions with lenders and present the company’s financial situation, current debt structure and proposed way forward in a clear and convincing way.

We help manage meetings and Q&A with lenders. Where relevant, we explore several debt structuring solutions in parallel.

Closing

We support the client in moving from analysis to decision-making and implementation.

We assist in discussions with lenders, support the alignment of financing terms and remain involved until a more sustainable and realistic debt structure is agreed.

What you gain

A well-structured debt profile gives the company more breathing room and improves predictability.

The main results are:

a more sustainable and suitable debt profile

repayment profiles better aligned with cash flow generation

improved predictability

more breathing room for the company

more stable relationships with lenders

financing terms that better match the company’s current financial reality

a clearer view on the company’s overall financial position

Why Ernest
Partners?

Ernest Partners works side by side with clients throughout the process, from initial analysis to the final outcome.

Our team combines financial expertise with hands-on experience. We help clients understand their debt structuring, identify where improvements are possible and take the right steps to strengthen liquidity.

Get to know us