Property owners and developers
Construction and development loans, refinancing of commercial property, bridge financing before a sale.
Corporate financing, arranged with discretion.
We prepare, present and negotiate your bank financing. On your side of the table, from memorandum to disbursement.
Who we work with
Owner-managed companies in Latvia and the Baltics that need bank financing and want an experienced team to run the process.
Operating companies
Working capital lines, investment loans for equipment, acquisition finance, state support programmes.
Companies under pressure
Debt restructuring, negotiations with existing creditors, refinancing before maturities or covenant breaches arrive.
Results matter more than names.
We are an independent corporate finance firm founded by professionals with backgrounds in banking and investment. We help businesses access financing, manage risks and make decisions grounded in data and common sense.
We choose to remain discreet. Confidentiality is not a marketing tool. It is a form of respect for our clients, partners and the work we do.
We work precisely and calmly: we study the details, build structure and take full responsibility for the outcome.
Behind CBS: 30 years in corporate banking, risk management, investment banking and company management, including CEO and CFO roles in retail and real estate.
Services
Separately or as one mandate.
Corporate financing
We find the right lender and structure, prepare the documents and negotiate rate, terms and collateral until the money is in your account.
Credit advisory
Before you go to a bank: how much you can raise, on what structure, and what to fix in your company's profile first.
Credit risk assessment
An outside view of your financial position the way a bank's credit committee will see it, with the weak points and how to close them.
Financial consulting
Budgets, forecasts and cash-flow models that management can actually use and a bank will accept.
Debt restructuring
We negotiate with existing creditors for a new schedule, rate or collateral, so the company keeps operating.
Management accounting audit
A review of management reporting and internal controls, with concrete changes that make the numbers reliable.
Process of obtaining a bank loan
Nine steps, in the order they actually happen. We run all of them; you take decisions at steps 05 and 08.
01
Mandate and power of attorney
We start by confirming representation: signing a cooperation agreement and a power of attorney that allows us to act on your behalf in discussions with the bank.
02
Gathering client and project information
We collect all key information needed to prepare an information memorandum, a concise presentation of your company and the proposed financing. It covers financial statements, loan history, company structure, collateral options and other relevant details.
03
Preparing and sending the information memorandum
Based on our experience and network, we send the memorandum to selected partner banks that best match your profile. It highlights your liquidity, credit history, financial stability and growth potential: everything a bank needs to make an informed decision.
04
Receiving initial feedback
The bank reviews the proposal and provides initial feedback, either expressing interest or requesting additional details. At this stage we clarify all questions related to collateral, financial performance or the structure of the deal.
05
Bank's indicative offerYour decision
Once a bank is ready in principle, it issues an indicative offer outlining the key terms: loan amount, interest rate, maturity, collateral requirements and other core conditions.
06
Detailed due diligence
After you confirm interest, the bank performs a deeper review of your company, analysing financials, valuations and collateral documentation. The results form the basis for the credit committee decision.
07
Drafting and agreement review
Upon approval, the bank's legal department prepares the loan agreements. We review them with you, ensuring that all terms reflect the agreed structure and protect your interests.
08
Signing and collateral registrationYour decision
All loan and security documents are signed, and any collateral is registered as required by law.
09
Disbursement of funds
Once documentation is complete, the funds are released according to the agreed schedule, and the project can move forward.
Typical situations
What companies bring to us, and what we do.
Commercial property refinancing
SituationA portfolio of offices or warehouses; the existing loan matures within a year.
What we doWe prepare the memorandum, request offers from several banks, push for competitive terms and renegotiate the collateral.
Loan for a development project
SituationLand and a building permit in place, but no track record with banks.
What we doA financial model, a sales plan and a financing structure a bank understands; we stay with you until the first stage drawdown.
Overdue obligations
SituationAn operating company in arrears; a creditor is ready to enforce.
What we doWe negotiate a standstill and a new payment schedule, and in parallel look for refinancing of part of the debt.
Questions
- How are you paid?
- An advance at the start, a fee for each completed stage, and a success fee when the financing is signed.
- Which lenders do you work with?
- Banks active in the Latvian and Baltic corporate market, the development finance institution ALTUM, private lenders and, for larger loans, foreign lenders.
- How long does it take?
- Usually three to nine months from mandate to disbursement, depending on the lender, the size of the loan and the collateral.
- What do we need to start?
- Annual reports for the last two years, current management accounts and a short description of the project and available collateral. A first conversation is enough to begin.
- Is our information kept confidential?
- Yes. We sign a non-disclosure agreement before receiving any documents and share information with lenders only with your consent.
- Do you work outside Latvia?
- Yes. We also work with companies and lenders outside Latvia.
Leave your contacts
We will contact you as soon as possible. A short description of the company and the financing you have in mind is enough to start.
E-mailcbs@cbs.lv