Financing Solutions

Treasury House provides independent strategic corporate finance advisory, as well as transaction structuring and execution across the debt, derivatives, and capital markets. Our goal is to build a financing structure for the client in which price, maturity, repayment profile, security, covenants, interest rate and refinancing risk, and the required flexibility come together into a whole that makes sense for the business.

The availability and pricing of financing depend not only on the organization’s own credit risk, but also on the financial and regulatory position of the lenders themselves. Banks’ capital and liquidity requirements, funding costs, risk weights, balance sheet usage, and the return requirements set for the client relationship all influence the terms on which any given bank is willing to provide financing. As a result, the solution offered by a single lender may not match the optimal, market-based financing solution available to the company. Lenders can differ significantly — not only in margin, but also in maturity, repayment profile, security requirements, covenants, and other contractual terms. Over the long term, the financial impact of these terms can be far greater than the difference in loan margin alone.

Treasury House understands the key drivers of financing costs and the general pricing logic of commercial banks. We assess financing alternatives on market terms, compare lenders and financing instruments, and examine how alternative structures affect the company’s cash flow, risk, and financial flexibility. We support the client throughout the entire financing process — from structuring, through competitive tendering and negotiations, to evaluating the final terms. Where relevant, the analysis also incorporates interest rate and other market risk management, as well as alternative sources of financing.

Well-structured financing is not just a way to fund an investment or a balance sheet. It’s part of a company’s capital structure and risk management — and, at its best, it expands the company’s strategic room to manoeuvre.