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We create positive social impact by empowering people to innovate and invest for a better future. We are a global financial services organisation with Australian heritage, operating in 31 markets. We believe in a workplace where every person is valued for their uniqueness and where different views and ideas are embraced. As the principal financing and investing arm of Macquarie, we provide flexible primary financing solutions and engage in secondary market investing across the capital structure.
With more than dedicated professionals globally, our team members are highly qualified and have extensive experience dealing with unique and complex dynamics. Macquarie Principal Finance provides financing and investment capital on a flexible and bespoke basis. We operate across:. Our experience and expertise derive from a dedicated team of more than people, engaged around the world with extensive transaction, industry and regional skills and knowledge.
What is a principal in a company offices in both Sydney and Singapore, our global head office is compsny in Sydney. We employ over 26 investment professionals focusing on transactions across ANZ and Asia. Our European team is located in Compant with diverse experience across continental Europe and the British Isles employing over 29 what is e resources in library professionals. We provide customised capital solutions and financing certainty for our prncipal across all industry sectors.
Capital commitments are made solely within the firm and are not reliant on syndication markets or other third parties. New York and Houston 30 April London 17 February London 17 January London 18 November Menu Impact Impact We create positive social impact by empowering people to innovate and invest for a better future. Perspectives Our diverse team of experts share their latest thinking. About We are a global financial services organisation with Australian heritage, operating in 31 markets.
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Macquarie Capital Principal Finance. Beyond traditional financing As the principal financing and investing arm of Macquarie, we provide flexible primary financing solutions and engage in secondary market investing across the capital structure. Experience and expertise With more than dedicated professionals globally, our team members are highly qualified and have compsny experience dealing with unique and complex dynamics.
Our capabilities Macquarie Principal Finance provides financing and investment capital on a flexible and bespoke basis. Corporate and real estate commercial and residential. Global coverage. Europe Our European team is located in London with diverse experience across continental Europe and the British Isles employing over 29 investment professionals.
What we do. We have transactional expertise in:. Telecommunications, Media, Entertainment and Technology. Health and Education. Consumer Products. Food retailing Petrol station and quick service restaurants Home and garden Consumer electronics Retail mortgage portfolios. Consumer Products Food retailing Petrol station and quick service restaurants Home and garden Consumer electronics Retail mortgage portfolios. Commercial real estate.
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Our strengths. Client focus We provide customised capital solutions and financing certainty for our clients across all industry sectors. Transaction certainty Capital commitments are made solely within the firm and are not reliant on syndication markets or other third parties.
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A company may use various kinds of debt to finance its operations as a part of its overall corporate finance strategy. A term loan is the simplest form of corporate debt. It consists of an agreement to lend a fixed amount of money, called the principal sum or. Macquarie Principal Finance provides financing and investment capital on a flexible and bespoke basis. We operate across: Corporate and real estate (commercial, industrial and residential) Geographies; All instruments/layers of the capital structure; Primary financing and secondary market instruments. Our dancers are the heart of American Ballet Theatre. Explore their biographies and performance photos; learn more about their repertoire with ABT, career milestones and quotes.
Debt is an obligation that requires one party, the debtor , to pay money or other agreed-upon value to another party, the creditor. Debt is a deferred payment, or series of payments, which differentiates it from an immediate purchase. The debt may be owed by sovereign state or country, local government , company , or an individual. Commercial debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest. In finance , debt is one of the primary financial instruments , especially as distinct from equity.
The term can also be used metaphorically to cover moral obligations and other interactions not based on a monetary value. The English term "debt" was first used in the late 13th century. Restored spelling [was used] after c. The -b- was restored in later French, and in English c. Principal is the amount of money originally invested or loaned, on which basis interest and returns are calculated.
There are three main ways repayment may be structured: the entire principal balance may be due at the maturity of the loan; the entire principal balance may be amortized over the term of the loan; or the loan may be partially amortized during its term, with the remaining principal due as a " balloon payment " at maturity.
Amortization structures are common in mortgages and credit cards. Debtors of every type default on their debt from time to time, with various consequences depending on the terms of the debt and the law governing default in the relevant jurisdiction. If the debt was secured by specific collateral , such as a car or home, the creditor may seek to repossess the collateral. In more serious circumstances, individuals and companies may go into bankruptcy. Common types of debt owed by individuals and households include mortgage loans , car loans, credit card debt, and income taxes.
For individuals, debt is a means of using anticipated income and future purchasing power in the present before it has actually been earned. Commonly, people in industrialized nations use consumer debt to purchase houses, cars and other things too expensive to buy with cash on hand. People are more likely to spend more and get into debt when they use credit cards vs. Besides these more formal debts, private individuals also lend informally to other people, mostly relatives or friends.
One reason for such informal debts is that many people, in particular those who are poor, have no access to affordable credit. Such debts can cause problems when they are not paid back according to expectations of the lending household. In , 8 percent of people in the European Union reported their households has been in arrears, that is, unable to pay as scheduled "payments related to informal loans from friends or relatives not living in your household". A company may use various kinds of debt to finance its operations as a part of its overall corporate finance strategy.
A term loan is the simplest form of corporate debt. It consists of an agreement to lend a fixed amount of money, called the principal sum or principal, for a fixed period of time, with this amount to be repaid by a certain date.
In commercial loans interest , calculated as a percentage of the principal sum per year, will also have to be paid by that date, or may be paid periodically in the interval, such as annually or monthly. Such loans are also colloquially called " bullet loans ", particularly if there is only a single payment at the end — the "bullet" — without a "stream" of interest payments during the life of the loan. A revenue-based financing loan comes with a fixed repayment target that is reached over a period of several years.
This type of loan generally comes with a repayment amount of 1. Repayment periods are flexible; businesses can pay back the agreed-upon amount sooner, if possible, or later. In addition, business owners do not sell equity or relinquish control when using revenue-based financing. Lenders that provide revenue-based financing work more closely with businesses than bank lenders, but take a more hands-off approach than private equity investors.
A syndicated loan is a loan that is granted to companies that wish to borrow more money than any single lender is prepared to risk in a single loan. A syndicated loan is provided by a group of lenders and is structured, arranged, and administered by one or several commercial banks or investment banks known as arrangers. Loan syndication is a risk management tool that allows the lead banks underwriting the debt to reduce their risk and free up lending capacity.
A company may also issue bonds , which are debt securities. Bonds have a fixed lifetime, usually a number of years ; with long-term bonds, lasting over 30 years, being less common. At the end of the bond's life the money should be repaid in full. Interest may be added to the end payment, or can be paid in regular installments known as coupons during the life of the bond.
A letter of credit or LC can also be the source of payment for a transaction, meaning that redeeming the letter of credit will pay an exporter. Letters of credit are used primarily in international trade transactions of significant value, for deals between a supplier in one country and a customer in another. They are also used in the land development process to ensure that approved public facilities streets, sidewalks, stormwater ponds, etc.
The parties to a letter of credit are usually a beneficiary who is to receive the money, the issuing bank of whom the applicant is a client, and the advising bank of whom the beneficiary is a client. Almost all letters of credit are irrevocable, i. In executing a transaction, letters of credit incorporate functions common to giros and traveler's cheque. Typically, the documents a beneficiary has to present in order to receive payment include a commercial invoice , bill of lading , and a document proving the shipment was insured against loss or damage in transit.
However, the list and form of documents is open to imagination and negotiation and might contain requirements to present documents issued by a neutral third party evidencing the quality of the goods shipped, or their place of origin. Companies also use debt in many ways to leverage the investment made in their assets , "leveraging" the return on their equity.
This leverage , the proportion of debt to equity, is considered important in determining the riskiness of an investment; the more debt per equity, the riskier. Governments issue debt to pay for ongoing expenses as well as major capital projects.
Government debt may be issued by sovereign states as well as by local governments, sometimes known as municipalities. Debt issued by the government of the United States, called Treasuries , serves as a reference point for all other debt.
There are deep, transparent, liquid, and open capital markets for Treasuries. In finance, the theoretical " risk-free interest rate " is often approximated by practitioners by using the current yield a Treasury of the same duration. The overall level of indebtedness by a government is typically shown as a ratio of debt-to-GDP. This ratio helps to assess the speed of changes in government indebtedness and the size of the debt due.
The United Nations Sustainable Development Goal 17 , an integral part of the Agenda has a target to address the external debt of highly indebted poor countries to reduce debt distress. Municipal bonds or muni bonds are typical debt obligations, for which the conditions are defined unilaterally by the issuing municipality local government , but it is a slower process to accumulate the necessary amount.
Usually, debt or bond financing will not be used to finance current operating expenditures, the purposes of these amounts are local developments, capital investments, constructions, own contribution to other credits or grants. The debt service coverage ratio is the ratio of income available to the amount of debt service due including both interest and principal amortization, if any.
The higher the debt service coverage ratio, the more income is available to pay debt service, and the easier and lower-cost it will be for a borrower to obtain financing.
Different debt markets have somewhat different conventions in terminology and calculations for income-related metrics. For example, in mortgage lending in the United States, a debt-to-income ratio typically includes the cost of mortgage payments as well as insurance and property tax, divided by a consumer's monthly income. The loan-to-value ratio is the ratio of the total amount of the loan to the total value of the collateral securing the loan.
For example, in mortgage lending in the United States, the loan-to-value concept is most commonly expressed as a " down payment. A debt obligation is considered secured if creditors have recourse to specific collateral. Collateral may include claims on tax receipts in the case of a government , specific assets in the case of a company or a home in the case of a consumer.
Unsecured debt comprises financial obligations for which creditors do not have recourse to the assets of the borrower to satisfy their claims. Credit bureaus collect information about the borrowing and repayment history of consumers. Lenders, such as banks and credit card companies, use credit scores to evaluate the potential risk posed by lending money to consumers.
The government or company itself will also be given its own separate rating. These agencies assess the ability of the debtor to honor his obligations and accordingly give him or her a credit rating.
Thus a government or corporation with a high rating would have Aaa rating. A change in ratings can strongly affect a company, since its cost of refinancing depends on its creditworthiness. Their high risk of default approximately 1. Bad Debt is a loan that can not partially or fully be repaid by the debtor. The debtor is said to default on their debt.
These types of debt are frequently repackaged and sold below face value. Buying junk bonds is seen as a risky but potentially profitable investment. Bonds are debt securities , tradeable on a bond market. A country's regulatory structure determines what qualifies as a security. Loans may be sold or acquired in certain circumstances, as when a bank syndicates a loan.
Loans can be turned into securities through the securitization process. In a securitization, a company sells a pool of assets to a securitization trust, and the securitization trust finances its purchase of the assets by selling securities to the market. For example, a trust may own a pool of home mortgages , and be financed by residential mortgage-backed securities.
In this case, the asset-backed trust is a debt issuer of residential mortgage-backed securities. Central banks , such as the U. Federal Reserve System , play a key role in the debt markets. Debt is normally denominated in a particular currency , and so changes in the valuation of that currency can change the effective size of the debt. This can happen due to inflation or deflation , so it can happen even though the borrower and the lender are using the same currency.
Some argue against debt as an instrument and institution, on a personal, family, social, corporate and governmental level. Some Islamic banking forbids lending with interest even today.
In hard times, the cost of servicing debt can grow beyond the debtor's ability to pay, due to either external events income loss or internal difficulties poor management of resources. Debt with an associated interest rate will increase through time if it is not repaid faster than it grows through interest.
This effect may be termed usury , while the term "usury" in other contexts refers only to an excessive rate of interest, in excess of a reasonable profit for the risk accepted. In international legal thought, odious debt is debt that is incurred by a regime for purposes that do not serve the interest of the state.
Such debts are thus considered by this doctrine to be personal debts of the regime that incurred them and not debts of the state. International Third World debt has reached the scale that many economists [ who?
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