Finance Advisory
Fit-for-purpose funding for commercial property
Klug supports investors, owners, and occupiers with funding strategy and lender engagement—so your capital structure matches the asset, the business plan, and the risk profile.
What we do
Finance support across acquisitions, refinancing, and projects
Independent advice to help you secure competitive terms, reduce execution risk, and align funding with your investment or occupancy strategy.
Funding strategy & capital structure
Define the right mix of debt and equity, target leverage, and covenants aligned to cash flow, tenant profile, and hold strategy.
Lender engagement & market sounding
Prepare a lender-ready information pack, run a structured process, and compare offers on price, terms, and flexibility.
Credit support & due diligence coordination
Support valuation, leasing, and technical inputs required for credit approval, keeping the process moving and issues addressed early.
Refinancing, restructuring & consent management
Navigate maturity events, covenant resets, and lender consents for leasing, capex, and asset plans—protecting optionality.
How we add value
A disciplined process that lenders trust
We translate your asset story into a clear credit narrative—backed by evidence, assumptions, and a plan lenders can underwrite.
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Bank-ready underwriting
Cash flow, sensitivity, and covenant modelling aligned to market benchmarks and lender requirements.
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Negotiation support
Term-sheet comparison and negotiation across pricing, covenants, fees, security, and consent conditions.
Finance FAQs
Common questions we address when supporting commercial property funding decisions.
Do you arrange lending or provide independent advice?
We provide independent advisory and process support. We help you prepare, run a structured lender process, and evaluate offers—so decisions are made on clear, comparable terms.
What information do lenders typically require?
Usually: current and forecast income, lease summaries, operating costs, capex plans, valuation inputs, and a clear business plan with assumptions and sensitivities.
Can you support both investors and occupiers?
Yes. We support investors with asset and portfolio funding, and occupiers with property-related funding considerations tied to leasing, fit-out, and growth plans.
When should we start the refinancing process?
Ideally 3–6 months before maturity. Early preparation improves negotiating leverage and reduces execution risk.
Do you help with development and construction funding?
Yes. We support feasibility inputs, lender pack preparation, and coordination of due diligence items required for credit approval and drawdown.
Which markets do you cover?
Auckland and New Zealand, with sector experience across office, industrial, retail, and mixed-use assets.
Ready to strengthen your funding position?
Discuss your asset, objectives, and timeline with Klug. We will outline a clear finance pathway and next steps.