What to prepare before approaching private-credit lenders.
Before a private-credit or debt process, lenders typically expect a company profile, financial statements, management accounts, a debt schedule, use of proceeds, a forecast and repayment plan, the security package, the corporate structure, key legal documents and a management presentation.
We help assemble and pressure-test the package, then run a competitive lender process. See the private credit guide and Private Credit practice.
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A company profile, financial statements, management accounts, debt schedule, use of proceeds, forecast and repayment plan, security details, corporate structure and a management presentation.
It varies, but a complete, well-organised package materially shortens diligence and improves terms.
Typically two to three years of audited financial statements, plus the latest management accounts so lenders can see current trading. Where audits are unavailable or dated, expect heavier diligence — and explain the gap up front rather than letting lenders discover it.
A concise deck for lender meetings: the company and its ownership, sector and milestones, the funding requirement and use of proceeds, the repayment plan with key assumptions, and the proposed security. It should match the data room exactly — inconsistencies between the two slow diligence.
Document existing facilities fully — lenders, security and maturities — and check consent requirements and inter-creditor implications before approaching new providers. New lenders will want to understand how their facility ranks against the existing security package, so this analysis belongs in the initial pack.
Speak to a partner about how this applies to your transaction. A partner responds personally, typically within one business day.
