Navigating complex debt challenges requires deep expertise, a strategic approach, and a trusted advisor. At BDO, we are committed to building enduring relationships of trust with our clients, partnering closely to understand your unique needs and deliver tailored, actionable solutions that support your long-term financial health.

Debt Advisory

Our Debt Advisory services focus on helping organisations strengthen their financial position and make informed financing decisions.

We work with you to:

Optimise capital structures by analysing existing arrangements and recommending improvements that enhance flexibility, reduce costs and align with strategic objectives.
Negotiate financing terms with lenders, securing favourable rates, covenants and repayment schedules.
Identify and access funding sources across traditional bank loans, alternative lenders and government-backed schemes.
Support strategic decision-making through data-driven insights and scenario analysis at board level.

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We also provide ongoing monitoring and independent review, including:

Covenant compliance frameworks to identify early warning signals and advise on remedial actions.
Stakeholder management strategies for lenders, investors and regulators during periods of uncertainty.
Documentation review for facility agreements, intercreditor arrangements and security packages.
Debt portfolio reviews and stress testing to assess exposure under different economic scenarios.

Debt Restructuring

When financial pressures increase, we help clients design and implement restructuring strategies that restore stability.

We support you through:

Debt refinancing strategies and execution to optimise terms, extend maturities or consolidate facilities, improving cash flow and long-term viability.
Restructuring of repayment schedules to alleviate short-term pressures and safeguard business continuity.
Hands-on project management for complex restructuring initiatives, ensuring alignment across stakeholders and timely delivery.
Managing lender relationships through clear and transparent negotiation, building trust and achieving mutually beneficial outcomes.
Action plans for financial stability tailored to restore liquidity and position organisations for recovery and future growth.

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Mortgage Process Due Diligence Review

We also provide independent reviews for mortgage-granting organisations.

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Our services include:

Operational process reviews that benchmark end-to-end mortgage processes against regulatory standards, efficiency and risk management best practice.
Process optimisation and risk mitigation to identify gaps, inefficiencies or compliance risks across origination, underwriting, approval and servicing — with actionable recommendations for improvement.

Meet the team

Austin Hickey

Director, BDO Dublin

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Michael Murnane

Director, BDO Dublin

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Derry Gray

Consultant, BDO Dublin

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