In the corporate world, a number can say a lot more than meets the eye. For example, the Net Debt/EBITDA index is not just a financial measure. When he gets fired, he’s screaming that your company’s future has already been compromised to pay for the past. In Brazil, this scenario kept many managers and investors awake at night.
Companies in capital-intensive sectors operate with high levels of leverage, which requires surgical financial management. This is not a criticism, but the reality of the game. However, when this indicator exceeds level 3, the yellow light turns on. If it exceeds 4, maximum attention should be paid.
At that point, debt stops being a lever for growth and becomes a linchpin, strangling the balance sheet and threatening the ability to innovate, expand, and pay dividends. For business leaders, the questions that resonate in boardrooms are simple but crucial:
- Is debt growing faster than income?
- Does the cost of the CDI (Interbank Certificate of Deposit) still match the operating margin?
- Is there a concrete plan to reduce debt, or are we betting on the “market mood”?
If these issues are causing discomfort, the solution is not just cutting costs or renegotiating contracts. It is essential to attack the roots of the problem with business and financial intelligence. Here, international credit ceases to be an alternative and becomes an indispensable strategic tool.
International credit: the key to turning obligations into opportunities
International credit offers a way out for companies facing an expensive and stifling debt burden. It not only reduces financial costs, but also repositions the company in the market, turning liabilities into an instrument for growth.
Among the main benefits of international credit are:
- Swapping expensive debt for cheap debt: Replacing CDI liabilities with dollar or euro financing can instantly free up margin and cash, relieving pressure on cash flow.
- Fund growth without strangling the balance sheet: With global cost capital, it is possible to invest in capital expenditures (capex) and mergers and acquisitions (mergers and acquisitions) without compromising the financial health of the company.
- Converting debt into market power: Access to cheap credit allows us to provide more competitive business conditions, gain market share and reduce the debt burden by increasing revenues.
This approach is not limited to debt restructuring only. It is a restructuring of competitive strength, which puts the company in a leading position in the market.
In this challenging scenario, international credit mentor, Luciano Bravo, has emerged as a key figure for Brazilian companies looking for strategic solutions to their financial challenges. With years of experience connecting national companies to international lines of credit, Bravo provides not only access to capital, but also the expertise needed to structure complex financial transactions.
“International credit is not just a way out for debt-burdened companies,” Bravo says. “It is a tool to transform a company’s future, allowing it to grow in a sustainable and competitive way.”
- Identify the best international financing options, with lower interest rates and longer terms.
- Structuring secure financial operations that are in line with the specific needs of each company.
- Training financial teams to negotiate directly with banks and international institutions, ensuring the provision of appropriate conditions.
Access to international credit not only benefits individual companies, but also generates positive effects on the Brazilian economy as a whole. Financially healthier companies can invest in innovation, create jobs, and increase their competitiveness in the global marketplace.
Moreover, strategic sectors such as energy, agribusiness, infrastructure and technology can directly benefit from this tool, boosting GDP growth and strengthening Brazil’s position on the international stage.