Preparing your case
Before anyone is approached, we work out how much debt the business can carry and what kind suits it. Then we build the financial model, the projections and the lender presentation, and set up the data room.
Debt advisory in the Philippines: raise or refinance company debt
For Philippine companies raising PHP 300 million to PHP 12 billion in debt. We prepare your case the way lenders assess it, approach the banks, financing companies and private credit funds that fit, answer their due diligence questions and negotiate the terms with you, so you can compare offers side by side before you commit.
Get in TouchWhy Alehar
Why companies in the Philippines work with Alehar
A debt raise follows a specific process, and most of it is hard to see from the company's side: how each lender assesses you, who has to approve the loan, what they still need, and which terms can be negotiated. It usually takes many months. We have worked on the lending side, so we know how the process works, and we take you through it step by step.
Approaching lenders
Banks, financing companies, private credit funds and venture debt providers each have their own criteria on size, sector and security. We approach every lender whose criteria your company meets and tell you where each one stands.
Due diligence and approval
Each lender comes back with questions, document requests and site visits before its credit committee decides. We prepare the answers with your finance team and keep every lender moving.
Terms and closing
We compare the offers on rate, fees, covenants, security, personal guarantees and prepayment charges, explain what each one means for you, and negotiate them with you. We stay through the loan documents until the money is released.
Tell us what you want to fund or refinance.
We reply within 24 hours with how we would approach it.
Typical situations
What companies in the Philippines tell us
01
“The bank wants real estate as collateral, and most of what we own is receivables and stock.”
02
“Our cash flow is strong, but no bank will lend against it.”
03
“Our working capital line runs out before the peak season does.”
04
“Our bank loan is getting expensive, and we want to restructure it before it hurts.”
05
“We raised equity last year, and need debt to extend the runway without another round.”
The types of debt we help you raise
Whether you're funding growth, refinancing what you already have, or paying for an acquisition, these are the types of debt we work on.
Growth private credit
Larger, more flexible loans from private credit funds to fund expansion.
Refinancing and recapitalization
Replacing expensive or restrictive debt, or resetting the capital structure.
Working capital facilities
Lines that fund receivables, inventory and seasonal peaks.
Asset-backed lending
Loans secured on equipment or property.
Acquisition financing
Debt to buy a company or buy out a shareholder.
Mezzanine financing
Debt that ranks behind other loans and ahead of equity, used when those loans alone do not cover the need.
Venture debt
Term loans for venture-backed companies, sized on recent funding and recurring revenue.
Structured and revenue-based financing
Loans repaid as a percentage of revenue, or loans with equity features such as warrants.
Development finance institution funding
Loans from government-backed lenders that fund specific sectors, regions or exporters.
Client stories
Work we have done for other clients.
Frequently asked questions
Resources
More ResourcesTools for raising debt in the Philippines
Guides for the Philippines
Read our articles on raising and refinancing debt.
- When Philippine banks say no, how do you raise private credit or mezzanine debt?
- Your bank won't extend enough working capital: what are the alternatives for Philippine companies?
- How do you refinance or restructure your company's bank debt in the Philippines?
- Venture debt in the Philippines: who lends, on what terms and when it makes sense
Some services described on this page may be regulated activities in certain jurisdictions. Alehar provides services only where legally permitted. See our Disclaimer.