Complex Debt Structuring

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Complex
Debt Structuring

Strategic Turnarounds & Institutional Realignment

Complex structuring typically involves navigating stressed borrowers, multiple lenders, high leverage, weak financial ratios, challenging profiles, or urgent funding requirements. A successful turnaround secures sustainable funding without creating future repayment pressure for the borrower.

We rebuild lender confidence and protect long-term bank relationships through a strict internal review system that assesses:

Banking conduct
and urrent liabilities

Collateral strength and
realistic repayment capabilities

Corrective actions and
clean documentation

We rebuild lender confidence and protect long-term bank relationships through a strict internal review system that assesses:

Banking conduct
and urrent liabilities

Collateral strength and
realistic repayment capabilities

Corrective actions and
clean documentation

Capital Stack
Architecture

Businesses in manufacturing, logistics, hospitality, healthcare, and large-scale trading often require layered funding structures. These clients frequently need a precise combination of working capital, term loans, unsecured facilities, and property-backed loans.

At RCA, we strategically balance these elements by:

01

Utilising secured funding for long-term stability and carefully managing unsecured borrowing limits

02

Ensuring short-term debt is strictly reserved for operational needs, never for financing long-term assets

03

Avoiding common mistakes like weak rental agreements, title gaps, or inflated valuations

Refinancing &
Portfolio Consolidation

Borrowers should actively seek refinancing when interest costs run too high, EMI burdens become excessive, or managing multiple facilities becomes administratively difficult. However, aggressive refinancing carries risks, such as overleveraging or prolonged debt cycles.

RCA recalibrates your capital structure to improve long-term viability and simplify obligations by:

01

Securing longer tenures and negotiating lower rates

02

Creating a better facility mix to enhance overall cash flow

03

Consolidating scattered portfolios into manageable, structured secured loans

Covenant
Restructuring

Businesses are particularly vulnerable to covenant-related pressure from delayed repayments, lower-than-expected turnover, DSCR breaches, and excess leverage. When breaches occur, lenders may react by reducing exposure, increasing monitoring, or demanding additional security.

RCA expertly manages these high-stakes negotiation discussions by:

01

Focusing on honest communication and practical solutions

02

Preparing revised financial projections that are highly realistic

03

Supporting projections with historical trends linked to actual business visibility to avoid default

Institutional Repositioning &
Credit Realignment

A challenging profile is rarely the end of the road. Outcomes are often affected by bureau strength, banking conduct, leverage, profitability, documentation gaps, and sector risk.

RCA supports institutional repositioning by:

01

Analysing lender feedback and financial ratios to identify key friction points

02

Strengthening financial presentation, correcting documentation gaps, and improving collateral clarity

03

Selecting the next institution based on sector appetite, ticket size, collateral type, and borrower alignment

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