Switzerland ยท Precision manufacturing
A component manufacturer was carrying a loan taken out during a difficult period at a rate that no longer reflected its improved trading position.
The company had taken emergency financing three years earlier at a punitive rate. Trading had since recovered fully and margins were now well above the sector average.
The existing lender was willing to extend the facility but not to reprice it, since the original agreement had a long remaining term.
We prepared a refinancing case built entirely around the turnaround: three years of improving margins, a diversified customer base, and a clean order book.
Two banks and one private debt fund were approached. We negotiated an early repayment of the existing loan with a capped exit fee, which had not been offered when the company asked directly.
A CHF 6m facility replaced the legacy loan at close to half the original margin, with a longer tenor and more headroom on covenants.
The saving on financing cost added directly back to annual profit, and the company now has a lender relationship suited to its current position rather than its position three years ago.
Details are anonymised. Figures are rounded and identifying information is removed or altered to protect client confidentiality. Past transactions are not a guarantee of future outcomes.
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