Financing solutions
Reshape existing debt around where the business is going
Existing financing should support today’s priorities, not reflect yesterday’s constraints. We evaluate opportunities to improve alignment across debt service, maturity, liquidity, and the overall capital structure.
Where it fits
Address the obligations limiting flexibility
The goal is not simply to replace debt. It is to improve how the capital structure works with the company’s current performance and plans.
01
Consolidate obligations
Bring fragmented debt into a clearer, more manageable arrangement where appropriate.
02
Restore flexibility
Rebalance near-term payment demands or maturities to preserve operating liquidity.
03
Prepare for what comes next
Position the balance sheet for growth, an ownership event, or a future transaction.
Related financing paths
Use the strongest parts of the business to support the refinance
Cash flow, receivables, inventory, equipment, and real estate may each influence the available structure.
Cash Flow Lending
Financing evaluated around durable earnings, leverage, coverage, and operating performance.
Asset-Based Lending
Financing supported by eligible receivables, inventory, equipment, or other business assets.
Real Estate-Supported Credit
Commercial property may strengthen a broader financing or consolidation strategy.
How Legacy Lending helps
Understand the current debt before proposing the next structure
We review balances, payments, maturities, pricing, collateral, cash flow, and the reason for the refinance as one connected picture.
Build the debt map
Document each obligation, lender, payoff, payment, maturity, lien, and material covenant.
Test repayment support
Evaluate sustainable cash flow, available collateral, liquidity, and the company’s forward plan.
Align the replacement
Shape the financing around the obligations being addressed and the operating flexibility required.
Start with the current debt picture
Share the existing obligations, financial performance, and objectives so we can assess structures that may better fit the business.
Financing is subject to application, underwriting, approval, eligibility requirements, and final documentation.