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1. Financial Structuring Advisory
Money X provides independent, end-to-end financial advisory and arrangement services, helping SMEs access diverse funding sources across the market - from commercial banks and financial institutions to private investors—through the following tailored solutions:
- Capital structure optimisation: Assessing the company's current financial position and advising on an appropriate capital structure for each stage of business growth.
- Fundraising advisory: Designing flexible fundraising strategies across multiple channels, including bank loans, trade credit, equity financing, and alternative financing solutions.
- Funding source matching: Identifying and introducing potential funding providers that align with the company's needs and financial capacity.
- Project finance arrangement: Supporting the structuring and execution of financing packages for investment projects and business expansion.
- Financial restructuring: Advising businesses facing cash-flow challenges, including negotiations with banks and creditors to restructure loans, extend repayment terms, or explore alternative financing solutions.
With practical experience in the Vietnamese market, we work alongside SMEs to build resilient financial foundations, overcome challenges, and capture growth opportunities.
2. Debt Restructuring Advisory
We support clients in developing debt restructuring plans that strengthen their financial position. We negotiate with creditors and bondholders to secure extended repayment terms, lower interest rates, interest waivers or reductions, debt write-offs, and other potential solutions that ease debt-servicing pressure. Money X also provides refinancing support. We facilitate coordinated restructuring processes designed to minimise losses for creditors and other stakeholders. This may involve loan consolidation, cost reduction, refinancing, creditor negotiations, and the reduction of repayment obligations to manageable levels.
Specialised services
- Debt restructuring: Supporting access to new financing and the restructuring of short-term liabilities.
▪︎ Assessing flexibility and available options with existing lenders.
▪︎ Supporting lender renegotiations through independent business reviews and the identification and valuation of additional collateral.
▪︎ Exploring additional financing options based on up-to-date knowledge of crisis-financing programmes.
▪︎ Using updated forecasts to identify funding requirements, collateral needs, and structuring opportunities while engaging lenders at an early stage.
- Alternative lending, new lender sourcing, and debt-trading solutions.
