Treasury
and credit.

By treasury and credit I mean everything that ties the business to its banks: credit facilities, short- and medium-term lines, terms, guarantees. In most companies these relationships were opened in different years, with different institutions, and nobody has ever laid them side by side: each bank knows precisely how it rates the company, while the company rarely knows how the banks see it. My work starts with that asymmetry: reading every relationship together, to know what credit really costs and what it commits.

I start from the documents: facility agreements, amortisation schedules, account statements, the central credit register. I measure the actual cost of each line — rate, fees, ancillary charges — and compare it across institutions and against market terms. Then I map the guarantees: personal guarantees, pledges, mortgages, often still in place long after the debt they secured has shrunk. On that basis I prepare the negotiation: comparable figures, clear priorities, requests the bank can assess in its own language. I place no banking products and receive nothing from the institutions: at the table I represent one interest only, the company's.

The analysis and the preparation of the dialogue with the banks are my responsibility; the decisions — and the signatures — remain the company's. But credit does not live in a compartment: a personal guarantee ties the business to the wealth of the person who runs it, a debt maturity shapes the family's plans. When the area touches the other dimensions of the estate I involve the professionals of the network — accountants, lawyers, notaries — and the reading widens to the direction of the Family Office, so that business and family remain a single picture. Your credit lines, meanwhile, stay where they are: with your banks, in your name. I bring the numbers that make your signature stronger.