Lender Advisory

BTG Advisory delivers a comprehensive range of Lender Advisory services tailored to support lenders, bondholders, and other debt investors. These include refinancing via new funders, sourcing additional liquidity, resolving challenges stemming from borrowers’ failure to meet debt obligations, aiding lenders/creditors in selling loan portfolios and individual debt positions, and assisting lenders to rationalise loan book exposure through a managed exit of the borrower relationship. 

At the core of our service is a pragmatic and strategic approach to often complex situations. Our partner-led team has extensive debt experience and senior-level relationships across UK and international banks, alternative lenders, private credit funds and debt investors. We endeavour to safeguard clients’ economic interests, maximise overall outcomes, and navigate smooth exits for both parties should the borrower relationship need to come to an end.

In each case, our process includes a thorough evaluation of the status of the lender/borrower relationship, a meticulous commercial review of the underlying loan agreements together with the borrower’s debt service history to understand existing or potential areas of distress and any covenant breaches. We assess the impact of financial forecasts, cash flow projections, and business and investment plans on borrowers’ debt serviceability, and provide contingency planning for a range of possible outcomes. We provide guidance and creditor and other stakeholder coordination to facilitate a consensus in any restructuring negotiations and execution, alongside diligent post-restructuring performance monitoring. 

We also provide our extensive services to the buy side of the market in support of distressed debt investors to evaluate new opportunities, define strategy executing transactions and optimise outcomes.