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Lenders can benefit from a comprehensive review of the business activities of borrowers. BTG Advisory undertakes independent business reviews (IBRs) which provide a detailed picture of borrowers’ financial and operational performance and identify red flags may impact on their viability or highlight potential issues including future ability to service debt. We also look, where possible, to make practical and helpful suggestions for business improvement options. 

Our IBRs include analysing cash flows, profit and revenue forecasts, management team capability strategy, assets and liabilities, historical performance, long-term viability, debt servicing history, and working capital requirements. Within the borrowers’ business, we interrogate the strength of the operational organisation, its in-house financial and governance systems, controls and security. The full range of outcomes from IBRs that we can assist lenders to achieve are:

(i)             Injection of fresh capital, either debt or equity

(ii)            Lender increases its exposure

(iii)           Lender permits an increase in exposure via a new third party

(iv)           Lender maintains the status quo with, for example, close watching brief

(v)            Lender exits

In order to achieve any of the above successful outcomes for the lender client, it is desirable that BTG Advisory works closely with all stakeholders, including borrower management teams, in order to secure their co-operation in any strategic decisions the lender might want to take. With many decades of senior experience to call on, BTG Advisory pinpoints the information that really matters and recommends realistic actions to deal with any identified issues. We also consider industry-specific circumstances and the broader macro context, along with relative sector input, and assess the prevailing sector liquidity. 

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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