Loan Restructuring Services

Math Financial Group provides discreet and strategic loan restructuring services for corporates, family offices, and high net worth individuals with multi bank or complex financing arrangements. We analyse existing facilities, lender positions, and cash flow dynamics to design restructuring frameworks that balance institutional requirements with client objectives.

Our role is advisory led and execution focused. We coordinate with relevant stakeholders, prepare structured proposals, and support negotiations with lending institutions to achieve sustainable terms that preserve relationships, protect credit standing, and enhance long term financial stability.

Restructuring loan facilities in today’s regulatory and credit environment requires disciplined analysis, careful preparation, and a clear understanding of how banks assess risk and recovery. Working with a specialist advisor helps ensure that restructuring strategies are credible, well documented, and aligned with lender expectations from the outset.

• Institutional Level Positioning – Expert input strengthens how your financial position, projections, and restructuring rationale are presented to lenders.
• Holistic Debt View – Advisors consider all existing facilities, securities, and covenants to avoid misalignment across different lenders.
• Structured Scenario Planning – Alternative restructuring options are modelled to support informed decision making and negotiation.
• Credible Engagement with Banks – Professional coordination improves communication flow and supports more constructive lender discussions.
• Governance and Documentation Discipline – A structured approach to minutes, approvals, and records helps protect governance standards and transparency.

Clients engage Math Financial Group for loan restructuring mandates that require confidentiality, technical depth, and disciplined coordination across multiple stakeholders. We approach each restructuring as a strategic exercise in balance sheet stability, lender alignment, and long term capital planning.

• Discreet Handling of Sensitive Situations – We manage all discussions and data with strict confidentiality and controlled information flow.
• Integrated Banking Insight – Our familiarity with regional and international lending practices supports realistic and well structured restructuring strategies.
• Analytical Financial Modelling – We prepare cash flow, servicing, and covenant analysis to underpin lender confidence in proposed solutions.
• Coordinated Stakeholder Management – We help streamline engagement between borrowers, lenders, counsel, and other advisors.
• Focus on Long Term Banking Relationships – Our approach seeks to stabilise facilities while maintaining constructive institutional relationships for future needs.

Our loan restructuring services are designed to provide a structured, end to end framework from initial assessment through to implementation and ongoing monitoring. Each mandate is tailored to the specific capital structure, asset base, and lender landscape of the client.

• Facility and Covenant Review – Detailed analysis of existing loan agreements, security packages, and covenant frameworks.
• Cash Flow and Servicing Assessment – Evaluation of current and projected debt servicing capacity under different scenarios.
• Restructuring Strategy Design – Development of alternative restructuring structures, including tenor, amortisation, security, and pricing options.
• Lender Proposal Preparation – Drafting of structured restructuring proposals, supporting analysis, and presentation materials for lenders.
• Negotiation Support and Coordination – Assistance in discussions with lending institutions to refine and align restructuring terms.
• Implementation and Monitoring Framework – Support with execution, documentation alignment, and post restructuring performance tracking.