Frequently Asked Questions
Frequently asked questions about debt advisory
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What does debt advisory involve?
Debt advisory means an independent adviser helps your company identify, structure and negotiate the right debt financing. Unlike going straight to the bank, a debt adviser represents you — not the lender
What does it cost to engage TicWorks as your debt adviser?
We usually charge a combination of a retainer and a success fee. The exact arrangement depends on the complexity and scope of the engagement
What types of companies do you work with?
We work with small and medium-sized Nordic companies across all industries — from real estate and pharmaceuticals to AI and tech
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
Can you help with refinancing existing loans?
Absolutely. Refinancing is one of our most common engagements. We review your existing loan terms, create competition among several lenders, and negotiate a better interest rate, a longer maturity and more flexible terms — often with significant savings as a result
What sets you apart from going straight to the bank?
We represent you, not the bank. That means we prepare the documentation a lender needs, have access to a broad network of financiers, and know which solutions best suit your situation
Frequently asked questions
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Does it have to be a project, or do you offer an ongoing solution?
We offer both. Either as a defined project with a clear start and goal, or as an ongoing relationship where we act as your strategic partner over time
Do you work with early-stage companies?
Yes, we work with companies at both early and mature stages
What does a typical corporate advisory engagement look like?
We start with a current-state analysis, identify opportunities and execute — it can range from supporting you ahead of a funding round to identifying potential acquisition targets
What does corporate advisory involve?
Corporate advisory means an independent team supports your management and board on strategic matters — such as financing, acquisitions, partnerships and expansion into new markets. We act as a sounding board and execution partner in the pivotal moments
What does it mean that TicWorks is independent?
Being independent means we have no ties to banks, funds or other financiers. We always represent the company — not the financier. Our compensation comes solely from the company, never from both parties. That means our only motivation is to find the solution that creates the most value for you — not to sell you a particular product or relationship
When should you bring in external advice?
Typically ahead of pivotal moments — such as a funding round, an acquisition, entry into a new market, or when the board needs independent support on a specific issue
What does it cost?
The arrangement is tailored to the scope of the engagement. We always discuss terms openly in an initial conversation
Frequently asked questions about Modefinance
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What is credit assessment, and why is it needed?
Credit assessment is a systematic evaluation of a company's creditworthiness. With data-driven credit assessment, you replace manual processes with AI-supported tools that deliver faster, more precise and forward-looking risk assessments
What is Modefinance, and how does its credit assessment work?
Modefinance is an ESMA-licensed credit rating agency that offers digital tools for credit assessment, credit analysis and credit risk forecasting, as well as ratings
What is a credit profile, and how is it created?
A credit profile is a complete picture of a company's creditworthiness — based on financial metrics, payment history and forward-looking risk factors. Modefinance's tools create credit profiles automatically through data-driven credit rating, giving an objective and comparable assessment
What's the difference between S-peek and Tigran?
S-peek is for quick credit assessments of counterparties — via app or API. Tigran is an advanced platform for lenders, with in-depth credit analyses, portfolio analysis, ESG analysis and AI-driven credit forecasts
Who uses Tigran?
Banks, credit funds, family offices and other financial institutions that need structured and automated credit assessment
Can the tools be integrated into our existing system?
Yes — S-peek and Tigran are available both as stand-alone platforms and via API for direct integration into your existing systems
How do we get started?
Book a demo, and we'll map out your needs and show you how the platforms work in practice