The rate, the covenants, the personal guarantee, the speed, the appetite to say yes at all. Debt advisory is the discipline of buying those terms well - across property finance and business finance, with one team.
Property finance and business finance run as one practice, because most owners' borrowing lives in both. The same advisers, the same lenders, the same discipline: start from the situation, not the product shelf.
Purchase, refinancing and equity release, buy-to-let and portfolios, commercial mortgages, development and bridging - including going-concern lending, where the loan can exceed the property's value.
Working capital, invoice finance, asset finance, and the debt that funds an acquisition or a management buyout - started from what the money is for and how it comes back.
Working on an acquisition? Debt structures for buy and build run alongside our M&A practice - facilities built with the next deal in mind.
Because lending is not a fixed market. It is a moving one.
Lender appetite moves quarter to quarter. A lender hungry for your sector in March can be full by September.
A bank that declined you last year may want exactly your profile today - and the one that funded you then may have quietly closed the book.
The same case, presented so every credit question is answered before it is asked, can turn one decline into three competing offers.
Knowing where appetite sits right now is most of what a debt adviser is for. We are NACFB members, we work for you and not for any lender, and you pay nothing unless you take terms you are happy with.
Most declined applications fail on presentation, not on the borrower. Having underwritten loans from the other side of the desk, we know what gets a deal approved - and what quietly kills it.
What the money is for, how it comes back, and - before anything else - how the lender gets repaid. Every strong application starts with a credible exit.
The right lenders first, not every lender at once. Accounts, security and the narrative prepared so the file answers questions before they are asked - and lenders know they are competing.
Terms challenged where they should be - rate, covenants, personal guarantees - and the process chased so the deal completes when you need it to.
We are debt advisers and commercial finance brokers, not tied to any lender. We are not a lender, and we do not work for any bank - we work for you. dns Corporate Advisory is a member of the NACFB.
We are not tied to a panel. High street banks, specialist lenders, challenger banks and private credit - your case goes to the lenders whose appetite fits it this quarter, and they know they are competing for it.
We agree the fee at the start, bring back indicative terms, and you decide whether to proceed.
Often, yes. Most declined applications fail on presentation, not on the borrower. We re-read the case the way a credit committee reads it, fix what made the last lender say no, and take it to lenders whose appetite actually fits.
Asset and invoice finance: days. Business term loans: four to eight weeks. Commercial mortgages: two to three months. Bridging: weeks, when a deadline demands it, with the long-term finance agreed behind it. Starting early is the cheapest thing you can do.
Reading, if you want it: what actually happens to your loan application · care home finance, explained.
dns Corporate Advisory acts as a commercial finance broker, not a lender. Lending is always subject to status and lender criteria. Your property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
Tell us about the deal. We reply within one working day.
Get in Touchaman@dnsassociates.co.uk
+44 (0)20 8903 6330
Linen Hall, Suite 304, 162–168 Regent Street, London W1B 5TB
