Special Situations
Refinancing Before It Becomes Urgent
Why CFOs and promoters should review maturities, covenants and liquidity while options are still available.
2 September 2026 · 5 min read
Refinancing works best as a planned capital decision, not a last-minute response to a maturity. Time preserves negotiating room and gives providers a better-quality information set.
Read the whole obligation
Review repayment dates, security, guarantees, covenants, cash-flow seasonality and other facilities together. A lower rate alone may not solve a structural mismatch.
Define the sustainable outcome
The objective should be a structure the business can service under realistic conditions, with clear sources of repayment and enough operational headroom.
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