Mining Finance Advisory · Australia

Debt Advisory for Australian and International Mining Companies

Independent advice on raising, refinancing, and restructuring senior and asset-backed debt for Australian and international miners — structured around commodity cycles, contract tenors, and commercial reality.

What This Service Does

Debt advisory is independent financial advice on how to structure, raise, and manage debt. Phillips International Consulting advises Australian and international mining companies on the full range of debt decisions — from initial facility structuring and lender selection through to refinancing, covenant management, and debt restructuring during periods of operational or commodity-driven stress. We work with miners at every stage — from junior explorers arranging their first institutional facility through to established producers managing complex, multi-lender capital structures across multiple jurisdictions.

Who It Is For

This service is for Australian and international mining companies — ASX-listed, TSX-listed, and private — that are raising debt for development or expansion, refinancing existing facilities, or managing lender relationships through a challenging period. It is also relevant for mining companies considering a first institutional debt facility and wanting independent guidance before approaching banks or alternative lenders. Our primary focus is on acting in the best interests of our mining company clients, though we engage with lenders across a wide range of transaction types and structures.

What Debt Advisory Means in Practice

When a mining company needs debt — whether for a new development, an acquisition, a refinancing, or working capital — it faces a complex set of decisions: which lenders to approach, what structure to propose, which covenants to resist, and how to present the business in a way that resonates with credit committees. A debt adviser sits on your side of the table. We prepare the information, run the process, negotiate the terms, and make sure you understand what you are signing. Because we are not a lender and do not receive fees from lenders, our advice is genuinely independent.

Debt Structures We Advise On

Senior secured facilities — reserve-based lending, project finance, corporate revolvers
Asset-backed debt — equipment finance, sale-and-leaseback, fleet facilities
Working capital facilities — trade finance, invoice discounting, receivables lending
Refinancing — replacing existing debt on improved terms or ahead of maturity
Debt restructuring — renegotiating terms, extending maturities, covenant relief during stress periods
Hybrid structures — blended facilities combining senior debt and asset-backed tranches

Lender Landscape for Australian Mining Companies

Australian mining companies have access to a broader lender universe than many realise. Beyond the major Australian banks — which often have constrained appetite for early-stage or smaller miners — there are specialist mining banks, international commodity finance lenders, alternative credit funds, export credit agencies, and asset-backed specialist lenders. We know this market well and can match your transaction to the lenders most likely to support it on acceptable terms, rather than defaulting to the path of least resistance.

Covenant Management and Lender Relations

Debt advisory does not end at financial close. Mining companies frequently encounter situations where financial covenants are under pressure — due to commodity price movements, project delays, or cost overruns. We advise on covenant headroom analysis, proactive lender engagement, waiver and amendment negotiations, and where necessary, comprehensive facility restructurings. Early, transparent engagement with lenders almost always produces better outcomes than waiting until a breach occurs.

Why Independent Advice Matters

Banks and lenders employ experienced credit teams whose job is to protect the lender's position. Mining companies — particularly smaller ones — often face these conversations without equivalent advisory support. We provide that support: preparing your information package, running a competitive process, and negotiating hard on the terms that matter most. With 19 years of mining finance experience, we understand what lenders are looking for and how to present your business in a way that builds confidence without overpromising.

Considering a debt raise or refinancing?

We work with Australian mining companies and contractors at every stage. Reach out for a confidential, no-obligation conversation.

Perth, Western Australia — serving clients Australia-wide

Matt@phillipsint.com

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