How We Partner with you:

VeraCruz Consultants have extensive experience in structuring and executing both for-profit and not-for-profit financial transactions.  This experienced is based on having worked for large banks and more recent work with insurance companies, family offices and non-traditional financial services firms including community development financial institutions (CDFIs). Financing, especially debt, should be undertaken with strategic intentionality and a keen enterprise self-understanding of debt capacity, terms sought/offered and overall suitability.  In this area of consulting, VeraCruz takes the time to understand the organization, its mission, its cash flows, its cash needs, its balance sheet, and it’s financial self-understanding and ability to prudently undertake a financing.  Using this approach VeraCruz provides the decision-makers with scenarios to help ensure a financial transaction is correctly structured to meet the enterprise’s needs and abilities.  

Transaction Engagement Examples include:

• Developing capital budgets and comprehensive financial models to determine the optimal financing type (e.g., construction, working capital, term or long-term fixed), the timing and amount.

• Mapping specific project financing needs based on the specific project revenues, expenses to service debt to finance anything from schools to cathedrals to new programs to real estate-based commercial, residential, and retail developments.

• Helping the organizational leadership select the optimal transaction ranging from refinancing existing debt or bonds, to obtaining growth capital.

• Facilitating a structured process to allow comparison of financing types (bond, bank debt, insurance company term debt, real estate backed or mortgage financing, etc.) and best financing partner ‘fit.’

• Coordinating swap advisor expertise to determine the best level (if any) of interest rate swaps.

• Helping evaluate the benefits of obtaining a credit rating, and assisting obtaining/maintaining the credit rating - if the benefits are determined to outweigh the cost.