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Private Credit & Capital Solutions

Finocal structures bespoke debt and alternative capital solutions aligned with financing needs and long-term resilience.

Capital that fits the business, not the other way around.

We design bespoke debt and alternative financing structures aligned with cash flows, risk tolerance, and long-term flexibility.
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Overview

Finocal advises clients on accessing private credit and alternative capital solutions where financing requirements extend beyond standard bank facilities. We structure funding solutions aligned with business cash flows, operational constraints and long-term flexibility.

We help clients understand financing capacity, evaluate alternatives, and prepare lenders’ materials so discussions take place from a position of clarity. Particular attention is given to covenants, downside resilience and refinancing risk.

Our support includes:

  • Senior, mezzanine and structured debt solutions
  • Refinancing and balance-sheet optimisation
  • Acquisition and growth financing
  • Assessment of financing terms, covenants and risk allocation
  • Advice is provided on an independent, lender-agnostic basis, prioritising resilience and sustainability over short-term leverage.

    Frequently Asked Questions on Financing & Capital Solutions

    Financing decisions affect flexibility and long-term resilience. These questions address typical considerations when evaluating debt and alternative capital structures.
    How is private credit different from bank financing?

    Private credit offers more flexible structures and covenants, often better suited to complex or transitional situations than standard bank facilities.

    Do you arrange financing directly?
    Can you assist with refinancing existing debt?
    What information is needed before approaching lenders?
    Do you only work with distressed companies?

    We provide the capital that drives your growth.

    Finocal offers tailored private credit and alternative financing designed to match your business needs. From acquisitions to project and development finance, our solutions ensure flexibility, risk resilience, and sustainable growth, making complex financing simple and clear.
    Financing tailored to cash flows
    Independent, lender-agnostic advice
    Support for growth and refinancing
    Financial advisors presenting tailored debt and alternative funding solutions to clients, aligning with cash flow and long-term goals.
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    Providing funding solutions tailored to your business needs

    Aligning capital structure with cash flow realities and long-term ambitions

    01.
    Tailored Funding

    Structuring debt to align with client cash flows.

    02.
    Covenant Assessment

    Reviewing terms to maintain financial flexibility.

    03.
    Alternative Capital Access

    Opening pathways beyond traditional finance.

    04.
    Long-Term Viability

    Securing funding that supports sustainable growth.

    From insight to impact, we shape finance that drives success.

    Obtain funding that aligns with your business objectives. We structure debt and alternative capital to match cash flow realities, offering flexibility, resilience, and long-term strategic support.
    What types of funding can you provide?

    We offer tailored debt, mezzanine, and alternative financing options suitable for your business.

    Can you help with flexible covenants?
    Do you assist with investor introductions?

    Schedule a free consultation!

      Finocal is a partner-led firm dedicated to transforming complex financial landscapes into structured pathways. By filtering out market noise, we empower our clients with the disciplined analysis and strategic clarity required for critical, high-stakes execution.
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