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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. 

Deal Success

The detailed review undertaken by BTG Advisory supported a positive recommendation to enable the business to refinance with the lender

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Pre-lend review to support business refinance

How we helped:

  • Pre-lend review conducted for business looking to refinance
  • Produced report on current trading, balance sheet position, management strategy and forecast
  • Resulted in positive recommendations being made to the bank following our review
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A detailed and thorough review undertaken by BTG Advisory concluded with a positive outcome for the bank and business

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Lender appointed Independent Business Review

How we helped:

  • Conducted independent business review on behalf of the bank
  • Included an in-depth understanding of the business, customers and supply chain
  • Recommendation in favour of the bank extending existing overdraft
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The outcome of this portfolio recovery assignment yielded excellent results for the bank, providing an outstanding value added service

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Portfolio recovery services for high street bank

How we helped:

  • Reviewed approximately 400 cases ranging in size, complexity and bank debt
  • Collected over £25m in first year from a standing start on an SME-focused portfolio
  • Allowed the bank to write-back monies that were initially thought to be irrecoverable
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BTG Advisory’s extensive knowledge of the healthcare sector helped highlight issues facing the provider and provide the most appropriate recommendation to help stabilise the business

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A solvency review for domiciliary care provider

How we helped:

  • Identified accounting issues and a need to refinance to support company growth
  • Recommended a new accountant and sought offers for refinance
  • Provided advice to stabilise the business
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The team undertook a detailed analysis of the school which facilitated a successful strategy to be put in place to ensure a satisfactory return for the lender

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Independent review facilitated a satisfactory return for the lender

How we helped:

  • Appointed by bank to undertake Independent Business Review 
  • Implemented a successful exit strategy via solvent route
  • Secured a suitable return for the bank
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Find the right professional using the drop options below. Our national reach covers a network of 8 offices: London, Manchester, Leeds, Glasgow, Birmingham, Bristol, Exeter, Cardiff 


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