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Practice Area

Lending

Independent lending services and financial advisory for credit, refinancing, and capital structure.

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Lending Services & Financial Advisory

PSA advises clients on credit, refinancing, and growth financing so capital supports strategy rather than constraining it. We review terms, counterparties, and structure with the same discipline applied to operating and real estate mandates.

Credit is treated as a strategic instrument, not a product to be placed. We look at facilities, covenants, counterparties, and the use of proceeds against the operating plan. The aim is a structure the enterprise can live with — liquidity, headroom, and terms that do not box leadership in when conditions change.

Lending intricacies are led by Sana Freeman, with Kyle Lindley, Chief Financial Officer, on credit, facilities, and capital structure. Technology that supports underwriting or client reporting is led by Kool8ear.

PSA can assist with nearly all lending and capital needs. Booking a consultation first is required before any engagement begins.

Credit Advisory Refinancing Private Credit Capital Structure Facility Review
  • Credit and capital-structure advisory
  • Refinancing and facility review
  • Private credit and specialty lending guidance
  • Term comparison and counterparty assessment
  • Coordination with existing banking relationships
  • Financing support for real estate and operating companies
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Credit Strategy

Independent review of facilities, covenants, and lender mix before terms are accepted.

Refinancing

Structured support for refinancing, recapitalization, and specialty credit processes.

Capital Structure

Counsel that aligns debt, liquidity, and growth plans with fiduciary standards.

How This Engagement Runs

Structure credit so strategy can move

A lending mandate begins with a consultation. Sana Freeman and Kyle Lindley learn the books, the facilities already in place, and the decision that needs capital — refinance, growth, acquisition, or hold. Underwriting then covers terms, counterparties, collateral, and covenant capacity before any structure is recommended.

Counsel continues through term sheets, lender coordination, and close. Kyle Lindley stays on capital structure and credit; Sana Freeman owns the transaction intricacies. When underwriting or reporting needs a workspace, Kool8ear builds it — so the credit file and the operating view sit in one place.

Begin with a lending consultation

Lending advisory starts with a discovery call. Schedule a call with an advisor before any facility work begins.

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