Strategic financing solutions for sustainable growth

Access to the right capital, at the right time and on the right terms, is fundamental to sustainable growth. Whether a business is expanding operations, investing in new projects, pursuing an acquisition, or restructuring existing obligations, the way it raises finance can shape its future.

RSM Malta's Capital Markets team acts as a trusted advisor to businesses throughout their fundraising journey. We combine deep technical expertise with a practical, commercially focused approach, helping our clients navigate complex financing decisions with clarity and confidence. Our services span two core areas: bank financing and bond issuance.

Bank financing remains one of the most widely used routes to raising capital. Securing it, however, requires lenders to have full confidence in a business's strategy, performance, and ability to service its debt.

We help clients present a compelling and credible case to lenders through the preparation of robust business plans and financial projections. Our business plans articulate the client's strategic vision, market positioning, and the intended use of funds. Our financial projections translate that vision into a clear forward-looking view of expected revenues, costs, cash flows, and debt servicing capacity. The result is a well-structured, lender-ready proposition that strengthens the client's position in discussions with financial institutions and supports clients in securing financing on favourable terms.

Issuing a bond enables a business to raise capital directly from investors, diversifying its funding base beyond traditional bank lending. Investors provide funds for a fixed term in return for regular interest payments and repayment at maturity. In Malta, bonds may be listed on the Malta Stock Exchange, offering investors liquidity and companies access to a broader pool of capital.

Given the public nature of a bond offering, investors, sponsors, and regulators rely on accurate and independently reviewed financial information. Our team prepares Financial Due Diligence Reports (FDDRs), providing a rigorous and independent assessment of an issuer's financial position. Our FDDRs examine historical financial performance, the quality and sustainability of earnings, cash flow generation, existing indebtedness and commitments, and key financial risks. This analysis provides sponsors, legal advisors, and the regulator with a reliable foundation for their assessment and reinforces the integrity of the information presented to investors.

We work closely alongside the sponsors, legal advisors, and wider transaction team to support a well-executed bond issue.

Raising capital is a defining moment for any business. Our team brings the technical rigour, independence, and hands-on involvement that such transactions demand, ensuring our clients are well-prepared and well-positioned at every step. As a member of the RSM international network, one of the world's leading providers of audit, tax, and consulting services, we draw on global insight while delivering local expertise tailored to the Maltese market.

Let's talk capital markets

Considering financing options? Whether you're exploring bank financing or planning a bond issuance, our Capital Markets team can help you navigate the process with confidence and secure the funding needed to support your growth ambitions.

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