Debt restructuring: a financial structure you can sustain
We handle debt restructuring and refinancing for individuals, the self-employed and businesses. We look at the whole picture, from loans, mortgages and credit lines to your repayment capacity, income and assets, and design a strategy to reduce your financial burden, improve your financing terms and leave you with debt you can sustain.
Debt analysis
We carry out a detailed study of your economic and financial position: loans, mortgages, credit lines, financing facilities, repayments, maturities, interest rates, guarantees and other obligations. From there we spot what can be improved and define the most suitable strategy. This analysis is the basis of any debt restructuring.
Restructuring your debt
We adapt your debt to your real financial capacity, balancing income, liquidity and obligations. We look at extending terms, changing repayments, reorganising maturities, grace periods or replacing your current financing. Every debt restructuring is tailor-made.
Refinancing and consolidation
We assess whether it makes sense to replace, group or refinance several operations to get a more efficient structure. Depending on the case, refinancing can lower your monthly repayment, extend the repayment term, improve your terms or reduce the number of obligations. It is often the step that completes a debt restructuring.
Negotiating with banks
We prepare and structure the operation before presenting it to the bank, and stay with you throughout the negotiation to secure the best possible terms on interest rate, term, repayment, guarantees, grace periods and financing structure. A well-prepared debt restructuring is easier to negotiate.
Financing and liquidity
As well as reorganising your existing debt, we look at whether you need new financing: liquidity, working capital, investment finance, mortgage finance or funds to grow your business. That way debt restructuring doesn’t hold back your plans.
For the self-employed and businesses
When there is cash-flow pressure, growth, a cluster of maturities or too much short-term debt, we analyse the business’s financial structure and draw up an action plan to balance debt and cash generation, improve liquidity and build a structure that holds up in the medium and long term. In these cases, debt restructuring gives the business breathing room.
Debt restructuring for individuals, the self-employed and businesses
Every situation needs its own analysis. If you have several loans, high monthly repayments, cash-flow problems or simply want better terms on your current debt, we study your case taking into account your financial situation, repayment capacity, assets, available guarantees and goals. Debt restructuring makes sense both for a family juggling too many repayments and for a business under cash-flow pressure.
Debt restructuring in four steps
We analyse your situation
We review every loan, repayment, maturity date, interest rate and guarantee, and compare them with your income and liquidity.
We design the strategy
We propose the solution that fits your real repayment capacity: longer terms, grouping debts, a grace period or replacing existing finance.
We prepare and negotiate
We prepare the operation before presenting it to the banks and negotiate the interest rate, term, repayment and guarantees.
We stay with you until signing
We follow the process through to completion and then check that the new structure is working. That’s how we approach debt restructuring.
Common questions about debt restructuring
If you have any other question about debt restructuring, write to us and we’ll answer it.
What is debt restructuring?
Debt restructuring means reorganising your loans, mortgages and credit lines so they fit your real repayment capacity. It can mean extending terms, grouping operations, negotiating a grace period or replacing expensive finance with something better. The goal is an affordable repayment and more breathing room, while still meeting your obligations.
What is the difference between refinancing and consolidating debt?
Refinancing changes the terms of a debt, usually with a longer term, a different interest rate or a new lender. Consolidating groups several debts into a single operation with one repayment and one maturity date. The best solution often combines both, and we tell you which suits you in the initial analysis. Both are debt restructuring tools.
Can I lower my monthly repayment, and what happens to the total cost?
In many cases, yes: by extending the term, grouping debts or negotiating a better rate, the repayment goes down. But a longer term can raise the total cost, so we always show you both figures before you decide. Debt restructuring should leave you with an affordable repayment without paying much more than you need to.
Do you negotiate directly with the banks?
Yes. We prepare all the documentation the banks ask for, structure the operation so it stands up, and go to the meetings with you. We compare offers from several lenders and negotiate interest rates, terms, guarantees and grace periods. You decide at every step, but you don’t have to negotiate alone. Negotiation is key to any debt restructuring.
Do you offer debt restructuring for the self-employed and businesses?
Yes, and that’s where it can make the biggest difference. We analyse the business’s cash flow, maturities and cash generation, and draw up a plan to balance debt and income: reorganising maturities, moving short-term debt to long-term, securing working capital or financing an investment. If we’re already your advisers, we coordinate it with your accounts and taxes.
What do you need to get started, and how much does it cost?
For the first analysis, your latest loan statements, the terms of your mortgages and credit lines and an idea of your income are enough. The first conversation is free and without commitment. Afterwards we give you a fixed quote based on how complex the case is, so you know from the start what debt restructuring will cost.
What our clients say
“Estamos muy satisfechos con el trabajo de Sergom Consultors y, especialmente, con el acompañamiento que nos ofrecen en la gestión financiera de la empresa.”
“Hace tiempo que trabajamos con Sergom, que da respuesta, asesoramiento y acompañamiento a nuestras necesidades financieras.”
“Estamos muy contentos con Sergom Consultors. Nos acompañan en la gestión contable y fiscal, y nos han ayudado en toda la estrategia y el crecimiento de la empresa.”
“Llevamos años trabajando con ellos y estamos encantados. Realmente te despreocupas, porque sabes que estás en buenas manos.”
“Trato impecable y un servicio de contabilidad de máxima calidad. Siempre responde rápido a cualquier duda, se anticipa a las necesidades de mi actividad y gestiona todo de forma transparente y eficiente. Sin duda, un gran apoyo profesional.”
“Asesores serios, profesionales y de confianza.”
“Muy buena experiencia. Cercanos, profesionales y siempre dispuestos a ayudar y resolver cualquier duda. Da gusto encontrar gente que te lo pone fácil. Muy recomendables.”
“Como autónomo, contar con su equipo para llevar mi contabilidad ha sido un acierto total. Tienen un servicio impecable, rápido y súper organizado.”
“Muy buena experiencia. Trato cercano, profesional y rápido. Siempre disponibles para resolver dudas y explicar las cosas con claridad. Muy recomendables.”
“Trato muy cercano y eficiente. Les puedo consultar cualquier duda aunque no sea de la empresa. Me la resuelven rápido y eficientemente. No puedo estar en mejores manos.”
“Fantàstic i excel·lent en el tracte, l’assessorament i les gestions! Molt recomanable.”
“Un equipo excepcional. Profesionales, cercanos, resolutivos y con un asesoramiento impecable.”