Term Sheet Negotiation

Financial Advisory

Make sure you conduct a thorough consideration when negotiating a term sheet with potential lenders. We help review and negotiate rates offered, repayment term, DSRA, minimum DSCR, factors such as the level of flexibility required, including the incorporation of incremental facilities and de minimis amounts to cover uncertain events. Consider pricing terms, such as margin ratchets for improved leverage over the term and minimum margin/fee levels for incremental facilities.

We help you navigate administrative queries and strategic considerations. Pay particular attention to how lender provisions ensure the borrower’s interests are protected when negotiating a term sheet. Or simply understand the process regarding who can provide consent and the transfer or disregard of lender commitment.

Guarantor coverage and Agreed Security Principles are important aspects of term sheet negotiation, especially in cases where company acquisitions are anticipated. We work with borrowers to determine which companies in the group will be required to become obligors and establish metrics for their inclusion. We also help establish Agreed Security Principles to ensure consistency in future security arrangements.

Additional funding and permitted acquisitions are other areas of focus in our term sheet negotiation services. Consider the impact of future acquisitions on financial covenants, guarantor coverage, and provision of consolidated financial information of existing debt. We also address the need for flexibility in allowing funding from other sources and the potential impact of different acquisition funding regimes.

Lender Terms

Review and negotiate your offer.

GIA’s term sheet negotiation services provide borrowers with the expertise and guidance they need to ensure financing terms remain fit for purpose throughout their term. We maintain open dialogues with lenders, saving time, energy, and costs by addressing important considerations during the negotiation stage. Our goal is to help borrowers secure flexible and favorable financing terms that support their business growth and aspirations.

Thorough Terms Consideration
Rate and Repayment Review
DSRA and Minimum DSCR Evaluation
Pricing Terms Analysis
Guarantor Coverage Assessment
Term Sheet Negotiation Assistance

Schedule a meeting with an expert or request a proposal