Financial Restructuring/Recapitalization

From time to time, businesses need to restructure their loans in order to get lower payments, better interest rates, a different type of loan, or even a different lender. Other times, businesses need to replace debt with equity because either the bank requires it or because the business is having trouble making the loan payments. Businesses change over time, and what made sense a year or two ago may not make sense today.

Regardless of your reasons for restructuring your loan(s), Alpha Omega can help. We maintain regular contact with a very large network of lenders, which specialize in all kinds of loans, and we stay abreast of current trends in interest rates, fees, advance rates, loan structures, guaranties, etc. For example, we recently helped a company consolidate several loans and leases into a new loan with payments that were half of the old payments. We also helped several other companies obtain loans after their current lenders said no. One of these companies had a backlog that exceeded the previous year’s revenues, but their lender would not give them the loans to fund their growth. Another company had a complicated legal structure, which made them appear over leveraged when they weren't. Alpha Omega has the expertise and will spend the time necessary to understand and properly present each company's unique structure and needs..