Cosm Finance
Make the Hard Call While You Still Have Options
Whether you’re closing a transaction, dealing with creditors or negotiating a major contract, timing matters. Every week you delay, your options narrow. Terms tighten. The deal you could’ve secured last month slips away.
Cosm Finance exists to maintain your options prudently and efficiently.*
When Big Decisions Need Expert Navigation
We combine legal qualifications with financial precision and executive know-how. Our team-Australian lawyers, finance experts with long executive experience -brings multiple lenses to every engagement. No handoffs. No blind spots. Structures that work in practice, not just theory.
We’ve been in your chair. Made the tough calls. Navigated complex negotiations and high-stakes decisions. We know that clarity and speed create better outcomes.
What we help you solve
Debt Restructuring
Reset terms. Improve covenants. Create flexibility.
Creditor Negotiation
Dealing with creditors / ATO requires specialist skills.
Business valuation
Negotiate from a defensible number. Know your worth.
Contract Negotiation
Major agreements requiring financial and commercial rigor.
Forecasts & Planning
Credible models that lenders, boards, and counterparties trust.
Why Act Now
Timing is everything: move early to expand choices and strengthen your position.
Options narrow with delay
Market conditions shift. Counterparties move on. Opportunities close.
Early engagement = better terms
More negotiating power. Clearer strategy. Stronger outcomes.
Preparation signals strength
Lenders, investors, and negotiating partners respect businesses that move decisively.
Why you Benefit from Boutique
- Big firms deploy 3–6 consultants on premium day rates to produce an over-baked deck.
- With Cosm, you get senior-led depth. We stay close from first call to deal close. Detailed, practical analysis. No waste. No surprise hours. No stacked junior teams.
How we work
Diagnostic Sprint
- Fixed fee | 1–2 weeks
- Rapid assessment.
- Clear analysis.
- Actionable options map.
$0
Implementation
- Scoped fee
- Structure design
- Stakeholder engagement.
- Scoped fee
$2.4
Success aligned
options
- Milestone or outcome components where appropriate.
- Transparent pricing.
- No stacked teams.
- No surprise invoices.
$4.0
ROI levers
Your return on investment
Better deal terms through improved structure and preparation
Preserved value via earlier, smarter decision-making
Reduced advisory waste by eliminating large teams
Faster execution that captures opportunities and cuts uncertainty
Why Cosm is different
We cut through noise with integrated insight and action that protects value when it counts.
Dual expertise
Qualified lawyers with finance expertise-integration that removes handoffs
Commercial credibility
Plain English analysis that withstands scrutiny
Strategic focus
We prioritise the moves that change your trajectory
Senior attention
Experienced advisors, not graduate analysts
COSM: Crying Over Spilt Milk?
That’s time you don’t have.
Assess your position. Choose the best option. Move with confidence.
Book a 30-Minute
Discovery Call
One conversation. Core issues identified. Viable paths sketched.
Let’s unlock your next move.
*Cosm provides financial and commercial advisory services to businesses. While some of our team members are legally qualified, we are not acting as lawyers in providing commercial advice, nor do we intend for any advice to be considered legal advice. We do not provide financial product advice to consumers. We recommend clients engage independent legal counsel and licensed financial advisers as appropriate. The information on this website is for general information purposes only.