Structured Finance

Structured Finance

At QIBD, we feel it is important to be strong, efficient and dynamic in today’s modern and fickle business environment. The ability to adapt to change quickly and effectively is as important as the businesses own purpose and strategy. That is why we can offer bespoke services and tailored packages designed to bring your business back to its utmost efficiency.

 

Ensuring your existing debt is as low as possible with low and sustainable rates and that your tax planning strategy is up to date are important issues. Equally important are to ensure that your business has access to commercial banking and financing facilities, including trade finance if applicable (Letters of Credit, Guarantees and alike), at the right level. Looking after your personal needs as a business owner or senior executive are also important to us.

  • Letters of Credit.
  • Standby Letters of Credit.
  • Confirmation for Proof of Funds.
  • Bank Payment Orders & Guarantees.
  • Reciprocal (Back-to-Back) Letters of Credit & Transfer.

 

Letters of Credit & Bank Payment Orders for Oil and Energy Transactions

When dealing in the purchase of oil and energy products, we appreciate the need for professionalism, discretion and velocity. That is why we offer our clients a fast and effective solution for the raising of Letters of Credit for the purchase of fossil fuels, oil and refined oil products.

Working closely with our partners and some of the largest banks in Switzerland, we are able to arrange trade finance facilities that meet your requirements and the demands of your suppliers. If you are about to enter a Sales and Purchase agreement and require financing for the transaction, please contact us.

Providing our clients with the partners that have the financial abilities to sustain long and profitable relationships with oil refineries, re-sellers and mining companies, we offer an unbeatable service.

We help raise Letters of Credit for our clients who purchase energy fuels from international suppliers and offer facilities for the issue of reciprocal or back to back Letters of Credit for re-sellers and intermediaries. We offer multiple reciprocal Letters of Credit making it easier for re-sellers to offer CIF transactions to their onward buyers without the need to risk advance shipping costs.

Working closely with our partnership banks here in Switzerland and around the world, we are also able to confirm our clients payment abilities (proof of funds) and assist our clients in meeting the sellers requirements, making it easier for our clients to negotiate good terms with leading international suppliers.

Please contact us directly by telephone or simply email us with your details and requirements. Our expert advisers will respond to you with full information on our services and will be pleased to assist in any enquiries.

  • Isolate Potential Bad Debt.
  • Lower Debt Repayments.
  • Protect Assets against Creditors.
  • Raise Urgent Cash Against Encumbered Assets.

 

Every once in a while it is important to review the debt platform of the business and its group structure. To analyse the group structure in relation to debt security and cross-company guarantees to economise and minimise waste. It may be the case that assets are still bound by the bank or other lenders for unused overdrafts or assets have risen in value since the last valuation and high value assets may be securing small debts at high rates. Alternatively, assets may have been devalued by your Lenders and interest rate increases may have been applied.

There are many objectives for a company to restructure its debt;

  • Lower Debt Repayments.
  • Lower Interest Rate Charges.
  • Free-up Assets.
  • Renegotiate terms.
  • Increase Borrowings.
  • Preparing the Company for Sale or IPO.

 

Debt restructure can take many forms. It may involve the creation of special purpose vehicles and securitisation techniques, converting current debt into non-recourse loans, off-balance sheet. It may mean the renegotiation with existing lenders and the partitioning of encumbered assets.

With the objectives of the restructure firmly in mind, QIBD can create complex financial structures that minimise the impact of debt repayments, isolate potential bad debt and protect the company’s main assets from any form of claim or repossession. This type of debt restructure may be crucial for companies facing hard financial crisis.

Debt Restructure is not only for troubled or stressed companies – it promotes financial health and assures financial efficiency.

When selling companies or parts of a company group, debt restructure may be crucial to aid the sale. To remove liens and charges over assets being used for cross-company guarantees and to isolate debt in a given subsidiary or separate corporate vehicle.

It is also important to track the best rates for borrowings and to ensure that corporate loans are properly match-funded; short-term assets are matched with short-term borrowings and long-term assets are matched with long-term borrowings. To be ‘rate efficient’ can assist in the company’s cash-flow.

Whatever the objective, QIBD can offer concrete advice and create the necessary structures needed for efficient and sustainable debt restructure.

To speak with one our partners about how we can help you restructure your debt, lower debt commitments or isolate troubled subsidiaries, please contact us in the strictest confidence.

  • Corporate Restructure.
  • Attract New Investment & Finance.
  • Private Sale or IPO Preparation.
  • Tax Efficiency & Synergy.

 

Restructure your company’s finances. Lower debt repayment. Become a leaner, meaner business machine; Faster, Stronger and more competitive.

Restructuring does not always mean bad news, job losses and ‘pulling in the belt’. To the contrary, it more often means becoming leaner, faster and stronger in the preparation to become ‘attractive’ to outside investors and become more profitable. Moreover, it means becoming more efficient.

A simple restructure can also be seen as a financial spring-clean, ridding the inefficiency within the business. As a business grows and acquires assets and increases its ground in the market place, it is essential to review the business structure. For faster growing businesses and businesses going through rough times and constricting its operations, a regular view by its executives at mild-restructure is essential to maintain efficiency and profitability – making the maximum of the business turnover, profits and assets.

Restructuring can therefore take many different forms. It can address its existing borrowings in an attempt to lower them or to offset them, or to refinance to obtain longer and more competitive repayment terms. It can also address the management of collaterals and restructuring of assets to increase the companies wealth, health and gearing ratios to become ‘fitter’ and attract investment.

Corporate restructuring on a larger, more intense scale, may result in the offsetting or avoidance of tax obligations and the offsetting of short-term debt into longer term debt obligations.

In preparation for a major investment, loan application or IPO, a view at restructure is important.

To effectively restructure, it is important to have a complete understanding of the benefits of international jurisdictions, tax efficiency, business capital options and many other complex financial issues.

Once we are invited to learn more about your business, we can arrange comprehensive advice and offer numerous links to financial solutions such as;

  • Introductions to further investment and loans.
  • Offsetting immediate liabilities.
  • Lower (or eliminate) tax liabilities Prepare your business for sale.
  • Eliminate unprofitability.
  • Maximise profit.

 

We welcome enquiries from all types and sizes of business and we would be pleased to hear from you to see how we can help with your corporate restructuring.

  • Help to Lower Corporation Tax.
  • Off-set Tax Liability.
  • International Structures & Tax Trusts.
  • Swiss Residencies for Senior Executives & Shareholders.

 

Becoming tax efficient means that all options to minimise tax liability have been optimized. For group structures this means the implementation of international structures and intelligent cross-company relationships. It means that assets are in the correct place, sitting correctly within the group structure and that borrowings are burdened by the right company or special purpose vehicle.

Cross-company accounting procedures may need to be reviewed. As with any restructure, to become tax efficient may mean a good spring-clean of the business. Knowing the way around international corporate and tax law is essential.

To structure a perfect, tax safe and legal strategy to withstand any tax investigation is paramount in creating a solid corporate structure and to maximise the profitability of the business. At the same time, it must be credible and avoid ‘scrupulous’ jurisdictions that could give the company a bad image to its shareholders. It is equally important that the structures employed does not install fears of the ‘skimming’ of profits away from the shareholders.

Various intelligent and complex financial strategies are employed in these strategies. International structures, tax trusts and SPV’s can be employed to offset tax liabilities, extinguish capital gain and to avoid direct tax. The correct corporate structure can also help in offsetting and lowering VAT / TVA liability, particularly with Swiss – Euro structures.

As well as corporate tax structuring and private tax trusts, QIBD can introduce senior executives with Swiss residencies connected to their corporate structure to provide not only low corporation taxes but moreover a tax friendly environment to receive dividends and bonuses.

To find out how you can become tax optimised, contact us in strictest confidence where our expert tax partners will be able to help and offer the necessary step-by-step assistance.

  • Private & Corporate Swiss methodologies.
  • Confidential Relationships.
  • Introductions to Wealth Management.
  • Qualified introductions for Investment & Merchant Banking.
  • Private Label Funds.

 

Swiss methodologies is beyond reproach. It signifies the ultimate banking community in the world where secrecy and client relationship is paramount. Owners of Swiss Bank Accounts benefit by these advantages. To have a truly Private Banker denotes personal and corporate banking at its most prestigious.

Swiss laws safeguard secrecy and retain integrity within the banking system inside Switzerland. For outsiders, it remains an invitation only arrangement.

Clients of QIBD are privileged to have access to private and corporate Swiss relationships. From boutique Swiss banks to international Swiss commercial banks, QIBD hold high level relationships and are proud to introduce our Clients to private and merchant banking facilities inside Switzerland.

Accessible Private Banking: As clients of QIBD, we can introduce our customers to private boutique Swiss accounts that can be opened for as little as 500’000 CHF. Full benefits of Swiss methodologies, including numbered accounts to ensure complete secrecy.

Through confidential Swiss methodologies, discreet and confidential bank cards can be arranged by the banks, allowing access to your Swiss funds from any world-wide ATM.

If you would like to know more about private or corporate Swiss methodologies, we would be pleased to hear from you and would welcome you by personal invitation to Switzerland to discuss in complete discretion your private or corporate banking requirements.