Debt Advisory
The right debt facility, structured and negotiated properly, can fund growth, support an acquisition, or give your business the breathing room it needs. The wrong one — poor lender choice, an unsuitable structure, or terms that look fine until trading conditions shift — can constrain everything that follows.
KR8’s Debt Advisory team works on your behalf, and only on your behalf. We are not lenders. We have no product to push and no commercial relationship with any lender that sits above our obligation to you. Our job is to secure the best available financing for your business — and to give you the market knowledge to know when you have found it.
Our Debt Advisory Services
Corporate Debt Financing
Leveraged Finance
Growth Finance
Asset-Based Lending
Refinancing
Debt Restructuring
Acquisition Finance
Private Equity Finance
The debt market can work harder for you
The UK debt market now spans major banks, challenger banks, private credit funds, asset-based lenders, and a range of specialist providers — each with different appetites and pricing. For most businesses, knowing which parts of that market are genuinely relevant is not straightforward.
Our team has built relationships across it over many years. We know which lenders are actively deploying capital, what they look for, and how to position your business to secure competitive terms. That knowledge, applied on your behalf, is what makes the difference between an adequate outcome and a genuinely good one.
We are regularly instructed to help businesses across the following:
Corporate and leveraged debt financing
Whether you are funding an acquisition, refinancing ahead of a PE exit, or optimising an existing structure, we manage the full process on your behalf. We prepare the financial narrative, run a structured lender engagement that creates genuine competition, and negotiate the terms — not just accept what the first lender offers. Our clients consistently secure better pricing, more flexible covenants, and more headroom than they would have achieved alone. Where a transaction involves tax structuring or financial due diligence, K3 Advisory Group colleagues can be brought in seamlessly.
Growth finance
For technology-led, subscription, or recurring-revenue businesses, traditional bank debt often fails to reflect the full value of what you have built. We know the lenders who structure financing against ARR, contracted income, and future revenue — and how to present your growth story in a way that works for them. The result is financing that reflects where your business is going, not just where it has been.
Asset-based lending
Businesses with significant tangible assets are often sitting on more borrowing capacity than their current facilities reflect. Invoice finance, ABL, plant and machinery finance, and real estate-backed facilities can unlock liquidity that cash flow-based lenders will not provide. We assess your fundable asset base honestly, identify the right lenders, and structure a solution that genuinely releases value — without layering unnecessary complexity onto your balance sheet.
Refinancing, amendments, and stressed situations
A covenant breach, lender pressure, or trading underperformance changes the nature of the debt advisory challenge entirely. Lender relationships need careful management, and the difference between a good outcome and a damaging one often comes down to the speed and quality of your advice.
We work discreetly and efficiently — stabilising lender relationships, restructuring facilities to restore headroom, and running refinancing processes where needed. Where the situation requires a broader transaction, our Debt Advisory and Special Situations M&A teams work in close collaboration, so you receive integrated advice without managing multiple relationships under pressure.
Private equity and leveraged finance
For PE sponsors and portfolio companies, debt advisory is a capability you need across the full transaction lifecycle — at entry, during the hold period, and at exit. We provide acquisition financing, leverage optimisation, dividend recapitalisations, and exit staple financing. We understand the pace of PE-backed transactions and have strong, current relationships across the leveraged finance market.
Why choose KR8?
Many advisers claim to be independent and client-focused. Here is what that means in practice at KR8:
- Every engagement is led by a senior practitioner. You will not find your deal managed by a relationship layer that sits between you and the people who know the market.
- We create genuine lender competition — our process gives you options and the information to choose between them, not a steer towards a preferred provider.
- We are transparent at every stage. You will have honest assessments of available terms and direct guidance on trade-offs. We do not protect you from difficult information.
- As part of the K3 Advisory Group, we bring over 1,000 professionals across tax, legal, restructuring, and forensics — integrated into our work where it adds value.
- We measure success by your financing outcome, not deal volume.
How KR8’s Debt Advisory team can help you
Whether you are planning a refinancing, exploring options ahead of a transaction, or facing a situation that needs urgent attention, we are available to talk through your position without obligation. An early conversation costs nothing and often clarifies your options significantly.
Our team works with owner-managed businesses, management teams, private equity sponsors, and lenders across a wide range of sectors. They are supported by more than 1,000 professionals across the K3 Advisory Group, giving clients access to specialist knowledge and resources when they need them most.
How KR8’s Business Advisory team can help you
We work closely with stakeholders to get businesses back on track.
Whether demand for a product has fallen, an investment has not worked out as expected, or a company needs help defining its future strategy, our team — comprised of accountants, industry executives and former financial services professionals — has the expertise to make a difference.
In addition to working with management teams, our Business Advisory colleagues also support lenders and sponsors in managing investment or repayment strategies, particularly when financial risks are high.
