Capital decisions guided by experienced financial judgment.
Our debt advisory services help management teams evaluate capital decisions supporting growth, acquisitions, liquidity, refinancing, and financial restructuring. As a borrower-side commercial finance advisor, we assess financing alternatives, debt capacity, negotiation priorities, and practical paths through maturity or covenant pressure. Our perspective combines commercial banking and senior finance experience with disciplined executive judgment.
Capital decisions determine strategic flexibility.
Every financing decision affects liquidity, lender confidence, ownership flexibility, and long-term growth.
Capital structure is where strategy meets the balance sheet. Perrin & Co.’s corporate debt advisory work aligns debt capacity, liquidity, maturity schedules, and credit facilities with cash flow, seasonality, acquisitions, growth, and ownership transitions. We help evaluate senior and asset-based debt, term and revolving facilities, private credit, acquisition or real estate financing, refinancing, and recapitalization. When lender concerns, changing borrowing-base availability, or excessive leverage constrain flexibility, our financial restructuring advisory work supports liability management, amendments and waivers, workouts, lender communication, and stakeholder negotiations. We advise the borrower, not as a lender or placement agent, coordinating with qualified external professionals where regulated services are required.
Capital Structure engagements can draw on Finance & Accounting Advisory and Business Advisory for fractional and interim CFO leadership, financial modeling, cash-flow forecasting, and M&A diligence and transaction support, at the client’s direction. Financial restructuring addresses balance-sheet and lender matters; operational restructuring and turnaround execution remain within Business Advisory.
Perrin & Co.’s established Managing Director team brings commercial banking, CFO, restructuring, and transaction experience, connecting management’s objectives with how lenders and credit committees evaluate risk.
Scope of ServicesPerrin & Co. provides borrower-side advisory support and does not act as a lender, securities broker-dealer, placement agent, underwriter, or other regulated intermediary. We may coordinate with appropriately qualified legal, tax, securities, valuation, and appraisal professionals.
Facing a similar situation? Discuss your priorities with our senior advisory team.
Designing and repositioning borrowing structures across senior debt, revolving credit facilities, term loans, mezzanine, and asset-based facilities to match cash flow, debt capacity, acquisition plans, and refinancing needs.
Preparing the narrative, model, risk mitigation, and covenant strategy that supports sound credit decision-making — and representing management credibly in lender and creditor discussions.
Thirteen-week and long-range liquidity and cash-forecasting views that give leadership confidence through seasonality and volatility.
Aligning capital needs for acquisitions, growth, leadership transitions, real estate financing, or restructuring with an appropriate debt, private-credit, or other financing strategy.
Monitoring, managing, and renegotiating covenants to preserve headroom and maintain lender confidence.
Supporting management through liquidity, covenant, or maturity pressure with debt restructuring, refinancing, recapitalization, liability management, amendments and waivers, negotiated workouts, and lender and stakeholder negotiations.
We start with the numbers behind the numbers — cash-flow profile, covenant headroom, maturity schedule, and the true cost and flexibility of the current structure.
We define the capital structure the plan requires, then build the model, narrative, and covenant strategy that lenders and investors expect.
We support management through lender discussions, term evaluation, and diligence, coordinating with the company's legal, lending, and other qualified professionals as financing decisions advance.
We stay engaged through covenant compliance, reporting, and the next decision, so the structure keeps supporting the business.
A more active transaction market is creating opportunity, but financing, cash flow and disciplined underwriting remain critical.
Lending capacity is holding firm for quality collateral while defaults reach a record among smaller borrowers. What that divergence means for capital structure decisions heading into year-end.
A practical look at the financial performance, liquidity, reporting quality, collateral, and management considerations that influence a lender's decision.
Connect with our senior advisory team to discuss your situation and explore how Perrin & Co. can help.
