Debt Advisory,
Where you get the Credit.

Strategic debt solutions that reduce funding risk, unlock capital, and help you deliver greater value to your clients.

I have introduced Charles to several clients in the last few months. He has achieved some extraordinary results for them with a review and renegotiation of their financing arrangements. Using his background and insights into the labyrinth of banking practices and tactics he has helped them make massive savings on finance costs and free them up from unfavourable lending restrictions.

– Andy Rooke: Founder, Grey Matters Advisory | 9000+ hours business board chair & executive coaching | Built & sold 3 businesses

Let’s discuss a finance solution to support your client’s growth strategy

What I help solve

Fix Inherited Problems

I uncover and resolve legacy debt issues that silently constrain growth, from outdated facilities to poor lender fit. Through detailed finance audits and restructuring, I optimise funding terms, reduce risk, and align debt to where the business is going, not where it’s been.

Fund Strategic Growth

I design finance strategies that scale alongside your clients’ ambitions, whether they’re acquiring, expanding, or planning for exit. By aligning capital structure to the business roadmap, we unlock growth, protect equity, and support long-term value creation.

Partner Behind the Scenes

I work as your discreet finance execution arm, white-labelled or direct, helping you deliver capital outcomes without the noise. No commissions, no conflicts, just strategic delivery that enhances your advice and strengthens your client relationships.

Meet Charles Zerafa

Built for Financial Leadership

Finance Execution for Advisory Firms That Drive Growth

Finance should enable progress, not hold it back. Yet time and again, capital structures limit strategic execution. Legacy terms, unclear funding pathways, or misaligned debt can quietly constrain even the best-laid growth plans.

Helping You Turn Strategy Into Action

With over 30 years of experience supporting founders, executive teams, boards, and advisory partners, I bring clarity and structure to complex funding needs. I work behind the scenes to align finance with your client’s long-term objectives, not just their immediate deal.

I support growth, transitions, and restructures by

  • Restructuring debt and optimising existing facilities

  • Securing capital that matches the business roadmap

  • Improving cash flow, protecting equity, and enabling scalable growth

  • Supporting advisory teams without ever competing for client control

From scale-up to succession, I help companies and founders move with confidence and help advisers deliver even more value at every stage of the lifecycle.

Who is this for?

Who I Work With to Drive Results

  • Advisory firms delivering strategic or transactional guidance

  • Fractional CEOs and CFOs managing growth or turnaround

  • Accountants and consultants supporting owner-led businesses

  • Growth-stage companies scaling from 5M to 500M plus

  • Founders, boards, and executives seeking clarity on funding and growth finance

Let’s explore what’s possible for your clients.

A confidential 30-minute conversation to answer your questions and explore how finance can better support your strategy and your clients. This is what I do every day, helping businesses like yours unlock smarter funding strategies and deliver stronger outcomes.

Charles Zerafa – Commercial Finance Expert Strategic Debt Advisory | $1B+ Funded | Trusted by Australia’s leading accounting and legal firms, and by high-performing businesses in the top 5% of their industries.

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Why work with me

With over 30 years of experience in commercial finance and more than $1 billion structured across complex transactions, I have also worked in banking and finance, as well as spent 5 years in commercial broking and debt advisory. I work as a discreet execution partner to help businesses and their advisers deliver high-stakes outcomes from leveraged acquisitions to distressed restructures and succession events.

In these moments, success doesn’t hinge on funding alone. It requires someone who can navigate lender dynamics, negotiate with counter-parties, and bring together legal, commercial, and strategic interests to get the deal done.

I’m typically engaged in situations involving:

  • Strategic M&A and leveraged acquisitions

  • Founder exits and intergenerational succession

  • PE-backed growth or recapitalisation

  • Covenant breaches and distressed refinancing

  • Multi-site expansion or major capex events

  • Facility consolidation and debt simplification

  • Funding alignment ahead of equity events or exit

What I deliver:

  • Deep credit expertise and lender-side insight

  • Stakeholder alignment between purchasers, vendors, financiers, and legal teams

  • Structured, executable funding outcomes that protect value and strengthen strategy

  • A calm, experienced voice in complex, time-sensitive environments

Connect with Charles

Under credit representative : Authorised Credit Representative (# 520677) of Integrity Finance (Aust) Pty Ltd Australian Credit Licence 392184

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