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Debt sales provide lenders with an expedited solution to resolve problem exposures and liquidity constraints, manage loan book thresholds and regulatory capital impacts. For banks in particular, strategic loan sales can improve capital adequacy ratios (CARs), which gauge lenders’ ability to absorb potential losses without becoming insolvent where certain loan exposures push too close to internal or regulatory thresholds. In such situations, loan sales reduce overall loan book exposure, freeing up regulatory capital held against those loans, and improving liquidity and loan book health. 

Partnering with BTG Advisory as an external debt adviser opens the door to our global network of secondary debt investors. These include high-level relationships at private equity funds, hedge funds, investment banks, private credit asset managers, family offices and sovereign wealth funds. Our team is highly proficient in navigating secondary debt markets and can support lenders in identifying the optimal loan portfolio to maximise liquidity improvement, evaluate the loan portfolio, determine an accurate market value price, build the data room, manage the sales process, identify and attract qualified buyers and negotiate optimal terms. 

Inevitably, price is always the priority. Lenders do not want to give away value but often have to be prepared to accept some impairment for the price of secondary market liquidity. Our job is to minimise the bid–ask spread by assembling a competitive bidder pool and providing access to the best possible data to increase transparency for qualified buyers. We aim to provide an end-to-end, smooth, transparent and efficient loan sale transaction, leveraging technology to coordinate with all stakeholders.

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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