When financing gets in the way of growth
Many small and medium-sized companies are ready to grow — with strong demand, proven business models and clear expansion plans. Yet things grind to a halt when it's time for debt financing. Why?
By: Gustav Linnarsson, Founder & CEO, TicWorks
Summary: Many well-run SMEs with strong demand and clear expansion plans are still turned down by traditional lenders, who work to strict rules and require pledgeable assets, guarantees or stable cash flows. A debt adviser helps the company find alternative financiers, structure the deal correctly and drive the process — so management can focus on the core business
Why do good companies get stuck in financing?
Traditional lenders are often clearly rule-driven. Without assets to pledge or a track record of cash flows, the answer is often no — even when the future potential is clear
The personal relationship with the bank matters. Business owners are often left without established relationships, navigating a complex financial market on their own. Professional guidance is needed on how lenders actually think
How a debt advisor can help
This is where a debt advisor can play a decisive role – not just by finding alternative financiers and running a competitive process, but also by:
- Structuring the financing correctly
- Presenting the deal clearly and credibly to lenders
- Driving the financing process forward, so management can stay focused on the core business
We're with you every step of the way
At TicWorks, we're with you every step of the way – from planning, analysis and presentation to signed documentation and disbursement. The growth of Swedish SMEs shouldn't be held back by rigid credit processes or a lack of connections. Learn more about how we work on our debt advisory page, or see concrete examples among our previous transactions
Frequently Asked Questions
Can't find the answer you're looking for? Get in touch and we'll tell you more
What does a debt advisor do?
A debt advisor helps companies raise, restructure or refinance debt on the best possible terms. The work typically includes credit analysis, loan structuring, preparing an Information Memorandum and financial model, running a competitive process across multiple financiers (banks and credit funds), negotiating term sheets and documentation, and providing support all the way through to disbursement. The difference compared to going directly to the bank is access to the entire financing market – and the negotiating leverage of having several parallel options on the table
How long does a financing process take?
It varies depending on how prepared the client is, but a typical process takes between 4 and 12 weeks from analysis to a completed agreement
Can you help us even if we already have a banking relationship?
Absolutely. We create competition for your existing financing to make sure you get the best possible terms — whether you switch lenders or stay where you are
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