29/04/2026
Lending Association Question of the Week with Charley Cramer
Question:
“I have been with the same bank for a long time and have a complex business structure with several loans, all at different rates and expiry dates. Why are they all priced differently and is there a way to simplify everything? The admin is becoming overwhelming.”
Answer:
As businesses grow, it’s very common to take on new funding to support acquisitions, expansion and new opportunities. These lending arrangements are often put in place over many years, during which market conditions, funding costs and economic factors such as CPI can all change. This is why mature businesses often have multiple loans with varying rates, structures and expiry dates, each was typically the best option available at the time.
The good news is that simplification is absolutely possible. By completing a structured and proactive review of your existing loans, alongside your current and future funding needs, it may be possible to streamline facilities, improve funding economics and create a clearer, more manageable lending structure.
A well-planned review can reduce administrative burden, improve cash flow clarity and ensure your business has the right funding runway for future growth.
If this sounds familiar, our team is here to help. Reach out to Charley or one of our business lending specialists to review your structure and discuss smarter funding solutions.
