Debt Management
AI-Powered Debt Analytics & Risk Analysis
AI Refinancing Opportunity
Potential savings from refinancing: $1.2M annually
Credit Rating
Investment Grade
Covenant Buffer
62%
Total Debt
$186.4M-5.2%
Net Debt / EBITDA
0.94x-0.12
Interest Coverage
8.4x+0.8
Average Interest Rate
4.2%+0.3
Avg Debt Maturity
2.8 years+0.2
AI Debt Composition
Fixed Rate$121M
65% of total3.9%
Variable Rate$65M
35% of totalSOFR+1.8%
AI Maturity Schedule
2025$45M
Rate: 3.8%low risk
2026$62M
Rate: 4.2%medium risk
2028$79.4M
Rate: 4.5%low risk
AI Refinancing Analysis
Refinance 2025 trancheSave $1.2M
Timeline: Q4 FY2585% confidence
Interest rate swapSave $0.8M
Timeline: Q1 FY2675% confidence
Convert to fixedSave $0.4M
Timeline: Immediate90% confidence
AI Covenant Compliance
Net Debt/EBITDA62% buffer
Current: 0.94Limit: 2.5
Interest Coverage110% buffer
Current: 8.4Limit: 4
Debt-to-Capital45% buffer
Current: 22Limit: 40
AI Recommendations
highSave $1.2M annually
Refinance $45M maturing 2025 - current rates favorable
mediumReduce rate volatility
Consider interest rate swap for variable portion
lowESG + cost savings
Evaluate green bond for sustainability initiatives
Strong Coverage
Interest coverage of 8.4x provides 110% buffer above covenant requirement.
2025 Refinancing
$45M maturing in 2025. Current rates favorable for refinancing.
$1.2M Savings
Refinancing opportunity can save $1.2M annually with current rate environment.