Debt Restructuring & Structured Finance Solutions
Practical, outcome-driven debt restructuring services and corporate restructuring advisory for Corporate clients facing liquidity pressure or covenant stress.
If your balance sheet faces pressure, we engineer refinancing packages, covenant resets, and creditor negotiations that buy time and restore growth capacity—and pair them with tailored structured finance solutions to realign risk, cost and tenor.
What We Do
Refinance & extend
Maturity extensions, amortisation re-profiles, interest-only periods, and refinancing of near-term walls.
Structured finance solutions
Convertibles, preferred equity, revenue-participation notes, and asset-backed facilities that balance dilution vs. runway.
Recapitalisations & bridges
Hybrid recap, rescue capital, and pre-IPO/pre-refi bridge structures.
Stakeholder alignment
Term-sheet design that aligns boards, lenders, and new-money investors.
How we work (fast, transparent, defensible)
Assess
Rapid diagnostic of liquidity, covenants, debt stack, and refinancing wall.
Structure
Scenario modelling (base/downside), capital-structure options, and term-sheet architecture.
Execute & monitor
Documentation, completion mechanics, and ongoing covenant/compliance reporting.
Stabilise
Immediate measures (cash controls, waivers, short-term lines).
Negotiate
Run a sequenced process with lenders and new-money providers to optimise pricing and protections.
Typical outcomes
- 6–24 months liquidity runway and reduced refinancing risk.
- Improved covenant headroom and lower cash interest through toggles or hybrids.
- Simplified capital structure with clearer priority and governance.
- Renewed growth capacity with disciplined use-of-funds and KPI tracking.
FAQ's
What is debt restructuring, and when should Australian businesses consider it?
Debt restructuring is the process of reorganising existing debt obligations to improve cash flow, extend repayment terms, or reset financial covenants. Australian businesses typically consider debt restructuring solutions when facing liquidity pressure, refinancing risk, rising interest costs, or lender covenant breaches.
How can structured finance solutions improve balance sheet flexibility?
Structured finance solutions can combine debt, hybrid securities, preferred equity, or private credit structures to reduce short-term repayment pressure while preserving operational flexibility. These solutions are commonly used by Australian mid-market companies seeking growth capital, refinancing support, or balance sheet optimisation.
Does Vitti Capital assist with creditor negotiations and covenant resets?
Yes. Vitti Capital supports businesses with creditor negotiations, covenant restructuring, refinancing strategies, and tailored structured solutions designed to stabilise balance sheets and improve long-term capital management outcomes.
What types of businesses benefit from debt restructuring and structured solutions?
Debt restructuring advisory is particularly relevant for growth-stage companies, property groups, private businesses, and corporate borrowers experiencing cash flow pressure, refinancing challenges, or expansion-related capital constraints. Structured finance solutions are often used where traditional lending alone may not be sufficient.
What is the difference between traditional refinancing and structured finance solutions?
Traditional refinancing usually replaces existing debt with another standard lending facility. Structured finance solutions are more flexible and may include hybrid debt/equity instruments, mezzanine finance, convertible notes, or private credit structures tailored to a company’s specific capital requirements and risk profile.
