Debt
When should you refinance your debt?
Payments squeeze your cash even when business is good.
Several loans mature at once, rates went up, or tenors are too short for the pace of your business.
Longer tenor, better rate or a new structure.
Refinancing means renegotiating debt so payments match the company's real capacity: longer tenors, grace periods, a different rate or a new lender.
Act before you miss a payment.
Negotiating early gives you more options and better terms. A first conversation costs nothing.