Service Offerings

Capital Raising

  • Capital procurement: senior, mezzanine, venture capital and equity and hybrid finance
  • Business valuations, scenario analysis and stress testing
  • Balance sheet optimisation, advising on financing options and capital structuring i.e., debt: equity ratio, EBITDA, asset cover etc.
  • Working with clients to optimise current debt facilities and managing covenants, pricing & securities
  • Widening of the client’s funder network by raising funding from new funders, including from foreign markets
  • Preparation of funder packs, financial modelling, conducting deal roadshows, contract negotiations, legal document review and execution
  • Investor relationship management
  • New debt issuance and debt program management on listed platforms like the JSE

Fundraising

  • Determining business funding needs, business valuations, scenario analysis and stress testing
  • Balance sheet optimisation, advising on financing options
  • Capital procurement, senior debt, equity, mezzanine, venture capital and hybrid finance
  • Credit enhancements, debt structuring
  • Conducting deal roadshows, contract negotiations, legal document review and execution
  • Investor relationship management
  • New debt issuance and debt programme management on listed platforms like the JSE

Advisory

  • Compliance and governance
  • ESG

Growth & Treasury Risk Services

Paragon Advisory supports clients in the capital markets by:

  • MANAGEMENT OF FINANCIAL AFFAIRS: Managing the client’s affairs to be financially fit and constantly on the front foot to execute deal opportunities by having access to immediate funding from the capital markets i.e. deal ready at all times.
  • CREDIT & LEGAL RISK ASSESSMENT: Conducting a complete credit and legal risk assessment of the company, its group, shareholding, directors, management, and governance structures to identify common risks funders look out for and then to put measures in place to remedy and strengthen the business in order to present the company in the best light possible.
  • RECORD CHECKING: Conducting a CIPC search, credit check review and searches for any negative media press reports on all directors, group companies and shareholders that the company is unaware of that may impinge future funding applications and addressing them so that they are fully cleared, and all records are clean.
  • PROPERTY VALUATION: Performing a full up to date valuation assessment of all properties for clients with property interests using our panel of valuers such that latest valuations are always on file.
  • MARKET INFORMATION: Providing regular market information that informs the business of new loan product offerings, new debt funders and funder asset interest.

Treasury & Risk Services Include:

  • COMPANY RISK ASSESSMENT: Defining key risks and funding threats facing the business and developing funding strategies that align with the business and growth strategy of the company.
  • STANDARDISING AGREEMENTS: Standardising existing and new loan facility agreements to ensure correlation of terms and alignment of covenants and default provisions including ensuring no conflicts between facilities.
  • CREDIT RISK ASSESSMENT: Assessing credit risk of existing tenants and tenants forming part of new property acquisitions (Paragon Advisory has a team of professionals that comprises qualified attorneys, actuaries, bankers, and ex-listed board executives that analyse and vet tenants to determine their financial and credit risk profiles).
  • LOAN STRUCTURES: Structuring new loans that rebalance the companies’ debt maturity profile, expands investor base and diversifies funding lines.
  • DEBT FACILITIES MANAGEMENT: Debt facilities management that provides management with critical portfolio and funding information (on a readily available basis), namely:
    • Funder concentration risks
    • Loan maturity profiles and embedded refinance and roll-over risks
    • Facility runways and draw down headroom
    • LTV levels and gearing capacities
    • Loan agreement compliance and reporting management i.e. covenant calculations and adherence
  • INTEREST RATE RISK MANAGEMENT i.e. hedges, fixes and unwinds.
  • FINANCIAL MODELLING: Financial modelling that assists the client in understanding the feasibility and impact of acquisitions, disposals, and project finance on the overall business by integrating such transactions with the existing asset and loan portfolio to test impact on financial covenants, cashflow changes and client sector and asset class weightings, profit returns i.e. ALCO support.
  • INVESTOR RELATIONSHIP MANAGEMENT: Managing investor relations and providing regular market information that informs the business of new loan product offerings, new debt funders and funder asset interest.

Outsourced Treasury Support

  • Asset & Liability management i.e. ALCO support
  • Loan agreement compliance reporting management i.e. covenant calculations and reporting
  • Debt refinance, roll over and term capital management
  • Cashflow management
  • Procurement of funding from new debt investors and widening of the client’s funder network, including accessing capital from foreign markets
  • Assessing feasibility evaluations on acquisitions, disposals, and project finance

 

Funding Options

Paragon can structure and raise various forms of funding instruments that best suit each client’s needs. These include:

  • Vanilla loans
  • Secured and unsecured loan funding
  • Asset backed and structured finance
  • Cashflow funding
  • Listed bond programme
  • Credit rated loan programme

Paragon is also able to procure short-term and long-term debt funding, including bridging and property development finance.