Debt Management

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Offers solutions to businesses and corporations irrespective of their financial state in today’s economy. All financial institutions, as a direct result of the deleveraging of their portfolios, are forced to take coordinated action – mainly due to their recapitalization – against businesses and borrowers who are unable to service their loans. The methods employed are various and are custom made to each enterprise’s needs.

Effectively Debt Management has a 3 point approach which is:

Debt Refinancing
Refinancing may refer to the replacement of an existing with another debt obligation under different terms. The terms and conditions of refinancing may vary widely by country, province, or state, based on debt obligation several economic factors such as, inherent risk, projected risk, political stability of a nation, currency stability, banking regulations, borrower's credit worthiness, and credit rating of a nation. In many industrialized nations, a common form of refinancing is for a place of primary residency mortgage.
If the replacement of debt occurs under financial distress, refinancing might be referred to as debt restructuring.
In the context of corporate finance, refinancing multiple debts makes management of the debt easier. If high-interest debt, is consolidated into a more attractive low interest loan package, the borrower is able to pay off the remaining debt at lower rates over a longer period.

Loan Agreement Auditing
Most if not all Loan and funding Agreements have general terms and conditions which may be deemed questionable. It is widely accepted that in order to navigate through the banking worlds unchartered waters one requires the services of experienced accredited individuals who will help guide you through the maze of paperwork, procedures and regulations.
It is imperative that borrowers must be assisted to choose the right type of loan based on their needs, the appropriate methods of securing such loans, and of course to ensure the loan agreement’s terms and conditions are fair and equal.
Furthermore, negotiating with banking institutions demands a focused and analytical approach based on legal and financial arguments which will be supported by the appropriate legislature. Financial institutions have high caliber legal departments which have the necessary experience to oversee such negotiations.
Loan auditing is deemed necessary as most borrowers are usually at a disadvantage mainly because the loan agreements they sign are predrafted and usually to the advantage of the banking institutions

Loan restructuring & Loan re-negotiating

Undoubtedly today’s financial climate leaves businessmen and corporations exposed and vulnerable to in areas and fields which require expert knowledge and extensive experience so they may assessed and evaluated properly to avoid any unpleasant results.
Banking Intermediary services are becoming more and more necessary as both government and judiciary authorities prefer that all disputes should try to be resolved through mediation first. As the funding rules and regulations become increasingly more complicated, both corporations and individuals are forced to adjust accordingly and to accept a more rigid financial environment. In this environment today’s businessperson the expert guidance and advice of qualified and accredited consultants who undertake to see through all the necessary procedures to restructure, reassess and renegotiate all funding.
Loan restructuring may be a long and demanding process which requires expert knowledge, intense training, state of the art equipment, updated software programs and the ability to author detailed action and viability plans outlining the steps necessary to achieve proposed targets. By collecting all the necessary financial data our company prepares the necessary feasibility studies, relative business plans and budget forecasts required to submit the appropriate proposals to the banking institutions in order to achieve the best possible results.

Money Managers International is regulated by the Bank of Greece listed as banking intermediary

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