NT Finance Partners is also a boutique consultancy firm that helps its clients access Direct Lending and L/G financing opportunities cash or non-cash financing opportunities in various formats based on their business activities.

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We provide services in this field with the contributions of our consultants, who have over 20 years of experience in the banking and finance sector, and our strategic partners with whom we collaborate. In fact, the founding partner of NT Finance Partners was involved in the establishment of Türk Eximbank, which currently offers the most comprehensive export financing credit, insurance, and guarantee opportunities in Turkey, and worked for many years in designing and implementing these programs.

NT Finance Partners collaborates with its solution partner A&G Global Financing in this field and provides services to companies with growth potential by utilizing these financial models together with domestic and international solution partners.

The Scope of Our Consultancy Services, Based on Our Banking Experience:

• The working capital loans required vary depending on the profile of each company. Some companies require a short-term working capital loan (Revolving, Spot, or Discount Loan), while others may need a long-term one (Commercial Installment Loan).

• It is crucial for companies to determine the right type of cash loan to control their costs and regulate their cash flows, preventing financial difficulties.

• Incorrect currency and term selection in loans is a major factor that causes financial distress for companies in the future.

• One of the biggest financial challenges for businesses in Turkey is the lack of proper cash management. We assist companies facing liquidity problems due to short-term borrowing by offering opportunities to restructure their debts over the long term.

• Companies that invest without properly utilizing their equity capital and instead rely on short-term loans often experience liquidity problems, making it difficult for them to repay bank and commercial debts.

• As NT Finance Partners, together with our solution partners and consultants, we assist companies in restructuring their debts before the situation becomes chronic, ensuring they maintain good relationships with existing credit banks. This allows companies to increase efficiency and profitability, control costs, improve balance sheet ratios, and manage cash flows effectively.

• We also provide alternative financial models beyond conventional long-term debt restructuring methods, leveraging our international financial network.

Non-Cash Loans

• Companies use banks as intermediaries to guarantee the completion of a job, the delivery of goods, or the payment of a debt. In such cases, banks provide guarantees to the other party through non-cash loans such as letters of credit or letters of guarantee to ensure that commitments are met according to the agreed conditions or that payments are made on due dates.

• As NT Finance Partners, together with our solution partners, we analyze companies' needs and determine the most suitable loan types—not only cash loans but also non-cash loan solutions like letters of credit and letters of guarantee.

• Additionally, we specialize in structuring guarantee/surety loans through contractor companies, particularly for mortgage financing in real estate projects under construction. This expertise has been developed in collaboration with our strategic solution partners.