At Finenza, we provide debt advisory in Spain and Portugal, helping companies optimize their capital structure and access financing and corporate debt solutions tailored to their needs.
Direct Financing Structuring
- Direct line between companies and private investors.
- Flexible and agile solutions tailored to each situation.
- Ideal for growth, expansion, restructuring, or leverage.
Alternative Financing
- Access to financing outside the traditional system.
- Investors such as private debt funds, VC, or PE.
- Alternatives like crowdfunding, crowdlending, and asset-based lending.
Differentiated Financing Services
Optimization of capital cost, creditor relations, and leverage strength.
Capital Cost Optimization
Optimal mix between debt and equity to minimize cost, improve returns, and ensure sustainability.
Creditor Negotiation
Agreements with banks and other creditors to ease the financial burden and ensure viability.
Financial Models
Assessment of repayment capacity, returns, and risks by structure with ad hoc modeling.
Capital Structuring
Covenant resets, waivers and amendments, maturity extensions, liquidity search, stressed refinancings, and full restructurings.
Corporate Financing
Structural solutions to support growth and optimize the financial structure.
Project Finance
Financing based on project viability and future cash flows.
Senior / Subordinated Debt
Different levels of risk and payment priority.
Mezzanine / Unitranche
Single tranche or hybrid debt–equity structures for greater flexibility.
Refinancing & Restructuring
Term adjustments to improve financial sustainability.
Corporate CAPEX
Financing of investment and expansion plans.
Participative Loans
Flexible subordinated debt for growth companies, with interests partly linked to performance.
Asset-Based Financing
We unlock value from strategic assets and drive investment without compromising liquidity.
Sale & Lease Back
Immediate liquidity while maintaining use of the asset.
Asset Based Lending
Debt backed by inventories, receivables, or real estate.
Productive CAPEX
Machinery, equipment, and facilities.
Asset Refinancing
Restructuring of operating assets.
Sustainable Assets
Structures aligned with ESG criteria.
Short-Term Financing
Liquidity and treasury bridge with fast execution.
Factoring
Assignment of invoices for immediate liquidity.
Confirming
Supplier payments with early collection.
Working Capital
Line for operational needs.
Bridge Finance
Bridge until final funds.
Discount / Promissory Note
Advance on customer receivables.
Invoice / Export Advance
Liquidity on international sales.
Real Estate
Financial solutions across the real estate cycle with specialized banks and alternative lenders.
Land Acquisition
Financing for land purchases.
Construction
Disbursements by construction milestones.
Refinancing of Completed Assets
Optimization in operating projects.
Bridge Transactions
Liquidity in intermediate phases.
Build to Rent
Financing based on future rents.
Guarantee Management
Technical guarantees (especially renewables).
Restructuring and Turnaround
Companies and business owners trust our expertise to manage complex restructuring processes. Our senior team actively leads each engagement, combining financial and operational experience to restore performance and ensure sustainable recovery.
Interim Management and Turnaround Advisory
Identify key drivers of business underperformance and develop solutions that improve short- and medium-term results.
Financial Advisory in Special Situations
Support for corporate groups in obtaining alternative financing during financial restructurings or stress scenarios.
Turnaround Plans
Design and implementation of recovery plans, with experts across major sectors such as industry, education, services, retail, agrifood, healthcare, and pharma.
We have advised restructuring processes in sectors such as fresh produce distribution, aluminum manufacturing, technology, and retail.
Debt Advisory Process
Comprehensive mandate: from initial analysis to closing.
- Capital structuring and strategy
- Definition of the credit story
- Teasers, memorandums, and presentations
- Identification of lenders
- Negotiation and due diligence
- Legal documentation and closing
Examples
Production Line
Requirement: increase capacity and efficiency.
Solution: financing for a new packaging line.
Result: higher output and lower unit cost.
Biomass Plant (FUNDER + EDB)
Requirement: sustainable energy.
Solution: debt with specialized lenders.
Result: long-term viability and ESG alignment.
Sale & Lease Back
Requirement: modernize processes and release capital.
Solution: 6-year SLB with 25% at maturity.
Result: immediate liquidity and off-balance sheet.