Debt advisory that secures the right financing on the right terms
Financing is complex, time-consuming and requires the right connections. Many companies spend too much time on the loan process without managing to secure the right loan structure. TicWorks acts as a debt adviser to small and medium-sized Nordic companies and manages the entire debt-raising process — whether that involves group loans, bridge loans, or acquisition, convertible or mezzanine financing
STUCK CHASING FINANCING?
Conversations with banks that don't deliver, terms that don't reflect your creditworthiness, and a process that drains time from your core business. TicWorks creates competition for your financing so you get terms in line with the market and a credit structure tailored to your circumstances — while you focus on running your business
We tailor the financing to your situation
We're sector-agnostic and product-independent, and we've completed transactions across widely varying industries, from real estate and pharmaceuticals to AI and for both listed and unlisted companies
Mezzanine & junior debt
Flexible financing that complements senior debt and equity
Convertibles
Debt instruments that can be converted into shares
Factoring
Free up liquidity by borrowing against your outstanding receivables
Senior sebt
Traditional bank financing on favourable terms
Bridge loans
Short-term financing to bridge temporary capital needs
Acquisition finance
Bespoke structures for companies growing through acquisitions
"We'd been going round in circles with banks that didn't understand our business. TicWorks took over the process and sourced financing options we'd never have found on our own. In the end, their help meant we ended up with a better-suited credit structure and could continue our expansion"
How we approach debt advisory
Analysis
We map your capital structure based on existing debt, liquidity requirements and future investment needs, and identify the right financing
Lender matching
Based on the analysis, we select the most suitable financiers from our network of Nordic and international lenders, banks, credit funds and family offices
Competitive process
A broad procurement process ensures genuine competition and the best possible terms
Negotiation & closing
We support you through the entire process, from negotiation to signed agreements. You get full transparency and regular updates every step of the way
How we secured SEK 250 million for a listed AI company
The company had received a refinancing proposal from its bank. We ran a competitive process and delivered significantly better credit terms and maturities
Ready to create competition for your financing?
Maximiliam Bergman-Olson
Partner
"We've sat where the financing decisions are made. That means we know exactly what it takes to get the right financing approved"
Debt Advisory FAQs
Can't find the answer you're looking for? Get in touch and we'll tell you more
What does debt advisory mean?
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 advisor?
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 depends on the client's level of preparation, but a typical process runs 4 to 12 weeks from analysis to closing
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 differentiates you 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