External financing and credit consulting

External financing and credit consulting is a comprehensive advisory service focused on identifying, structuring, and securing optimal funding solutions from banks, financial institutions, and capital markets. It encompasses independent assessment of financing needs, creditworthiness analysis, and the design of tailored debt and credit instruments aligned with the strategic and operational objectives of the organization. The service also includes support in negotiations with lenders, optimization of financing costs and terms, and ongoing monitoring of credit structures to ensure long-term financial resilience and regulatory compliance. Submit a request

External Financing and Credit Consulting in the Danish Market

External financing and credit consulting in Denmark is increasingly perceived not only as a technical support function, but as a strategic lever that shapes how Danish companies compete, innovate and scale in a highly regulated, sustainability‑driven and relationship‑oriented environment. Read more.

Case study

Financing Turnaround for a Metal Producer

A mid-sized industrial metal manufacturer was operating at full capacity, yet cash flow was tightening month after month. The company had several short-term loans, an ove...More +

Scaling a Food Brand with Smart Credit

A rapidly expanding food processing company had built a strong regional brand in chilled ready meals. Demand from supermarket chains was rising faster than the company co...More +

Green Energy Project Finance Reimagined

A renewable energy developer specializing in solar projects had secured land rights and grid connection terms for a large photovoltaic installation. The project had stron...More +

Tech Scale-Up Wins Strategic Credit Package

A fast-growing software-as-a-service provider had reached a critical inflection point. The company had strong recurring revenues, low churn, and a rapidly expanding inter...More +

What we provide

Funding Strategy

We design comprehensive external financing strategies that align capital structure, growth plans, and risk appetite with our clients’ long‑term objectives.

Capital Sourcing

We identify, approach, and coordinate with banks, private lenders, funds, and institutional investors to secure optimal sources of debt and hybrid financing.

Credit Readiness

We assess our clients’ financial position and prepare them for credit processes by optimizing financial statements, business plans, and supporting documentation.

Financing Structuring

We structure financing solutions, including term loans, revolving credit facilities, asset‑based lending, and project finance, tailored to specific business needs.

Negotiation Support

We lead or support negotiations with lenders to achieve favorable terms, covenants, pricing, and security packages while protecting our clients’ strategic flexibility.

Credit Risk

We analyze and model credit risk, helping clients understand lender perspectives, rating implications, and the impact of different financing options on risk profiles.

Documentation Advisory

We review and advise on term sheets and loan documentation, ensuring that legal and financial clauses are consistent with market standards and client priorities.

Ongoing Monitoring

We support clients after closing by monitoring covenant compliance, refinancing opportunities, and market conditions to proactively manage their external financing portfolio.

How External Financing and Credit Consulting Shape a Sustainable Future

External financing and credit consulting, when consciously oriented toward sustainability, becomes a powerful catalyst for transforming companies, service sectors and entire economies. Instead of focusing only on short-term access to capital, a consu...

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How can we support you?

External financing and credit consulting supports organizations in securing optimal funding structures while managing risk and cost of capital. The service covers the full financing lifecycle: from strategic planning and lender selection to negotiation, implementation, and ongoing monitoring of credit facilities.

Financing strategy and capital structure design

Radner supports clients in defining a coherent external financing strategy aligned with long‑term business objectives and risk appetite. The advisory process typically begins with an in‑depth assessment of the current capital structure, liquidity profile, and investment pipeline. Based on this analysis, optimal mixes of bank debt, capital markets instruments, leasing, and alternative financing are evaluated. Particular attention is paid to balancing flexibility, covenant headroom, and cost of funding. Scenario analysis and stress testing are used to assess the resilience of the proposed structure under adverse market and business conditions. The outcome is a clear, actionable financing roadmap that can be communicated to management, shareholders, and lenders.

Debt raising, refinancing, and lender selection

Support is provided throughout the entire process of raising new debt or refinancing existing facilities. This typically includes preparation of lender‑ready materials such as information memoranda, financial projections, and business plans. Radner assists in identifying and approaching suitable financing partners, including commercial banks, development institutions, private debt funds, and other alternative lenders. Competitive tension between potential lenders is fostered to improve pricing, terms, and structural flexibility. The process also covers coordination of due diligence, responses to lender queries, and alignment of financing timelines with transaction or investment milestones. As a result, clients gain access to a broader lender universe and more favorable financing conditions than would typically be achievable through bilateral negotiations.

Credit terms negotiation and covenant optimization

In the area of credit consulting, particular emphasis is placed on the negotiation of key commercial and legal terms. This includes margins, fees, amortization profiles, collateral packages, and financial covenants. Radner works with clients to define realistic yet flexible covenant levels that reflect business seasonality, investment plans, and potential volatility. Attention is also given to carve‑outs, baskets, and cure mechanisms that can significantly increase operational freedom over the life of the facility. Draft term sheets and loan documentation are reviewed to identify hidden risks, cross‑default triggers, and restrictive clauses. The objective is to secure a financing package that is not only competitively priced but also operationally practical and resilient over changing market cycles.

Ongoing credit management, monitoring, and lender relations

External financing and credit consulting extends beyond the signing of loan agreements into the ongoing management of lender relationships. Support can include the design of internal processes for covenant monitoring, reporting, and early warning indicators. Radner helps clients prepare regular lender updates, waivers, and amendment requests in a structured and credible manner. Particular focus is placed on proactive communication with financing institutions to build trust and avoid surprises. In situations of underperformance or market stress, assistance is provided in developing remediation plans and negotiating temporary covenant relief or restructuring options. This continuous support helps organizations maintain access to funding, protect their credit profile, and respond quickly to evolving financial conditions.

Why choose us?

Local Insight

We combine deep knowledge of the Danish financial market with hands-on experience in securing external financing for businesses at every stage of growth. We understand local regulations, banking practices, and public support schemes, so we can precisely match your needs with the most suitable credit solutions.

End-to-End Support

We manage the entire process, from financial analysis and documentation preparation to negotiations with banks and other financial institutions. We stay involved until the funds are disbursed and the credit structure is fully aligned with your long-term strategy.

Tailored Structures

We design financing and credit structures that are tailored to your specific business model, risk profile, and cash-flow dynamics. We always prioritize sustainable debt levels and flexible terms, so your financing supports growth instead of limiting it.

Contact

Need more information? Contact us.