Buyout Case Studies.

Challenge

A regional manufacturer had stacked four merchant cash advances totaling $12M at an effective APR of 36%. Daily ACH debits were draining working capital and threatening payroll.

Solution

Refinos acquired all four MCA positions, negotiated discounted payoffs, and replaced them with a single 3-year term facility at a fraction of the original cost.

Result

Monthly debt service reduced by 62%. The company restored positive cash flow within 60 days.

Challenge

A national logistics firm had accumulated $47M in high-cost debt across four lenders, each with different covenants, payment schedules, and default triggers.

Solution

We negotiated simultaneously with all four creditors, acquiring each position and consolidating into a single structured facility with unified terms.

Result

Annual interest expense reduced by $4.2M. Payment schedule aligned with seasonal revenue patterns.

Challenge

A healthcare services group had taken a $28M bridge loan for an acquisition that took longer than expected to close. The loan had matured, default interest was accruing, and the lender was threatening foreclosure.

Solution

Refinos purchased the bridge loan at a discount and restructured it into a 5-year term loan aligned with the company’s newly stabilized cash flows.

Result

Foreclosure averted. Client saved over $4M in annual interest and gained 5 years of repayment runway.

Challenge

A commercial real estate operator carried $19M in mezzanine debt from a distressed fund that was liquidating its portfolio and demanding immediate repayment.

Solution

We acquired the mezzanine position from the liquidating fund and restructured repayment to align with the property’s lease income schedule.

Result

Maturity extended by 3 years. Monthly payments reduced to match rental income timing.