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BTG Advisory performs portfolio management services in the context of lender policy changes or central bank stress tests that require regulated lenders to exit certain types of lending or reduce certain sector exposures. 

Our team is able to assist the lender to ‘rehouse’ those borrowers that fall outside of the new policy and have to be moved to new funders. This type of activity tends to see new funders acquire loan assets at par but sometimes the existing lender might have to move affected loan assets at a discount. However, existing lenders sometimes offer a discount if one new funder is willing to take the entire affected portfolio of loans which is deemed a more efficient outcome than selling loans piecemeal to various new funders.

Non-performing loans can also be a significant burden on the balance sheet of a lender. If a business is under pressure to recover capital, BTG Advisory can do so swiftly and effectively while maximising the amount collected. For portfolios of distressed property loans where other firms are responsible for individual recoveries, we are used to working with insolvency practitioners, fixed charge receivers, and property agents to help them devise and implement effective completion and disposal strategies.

At BTG Advisory we always adhere to TCF (Treating Customers Fairly) principles, alongside any lender-specific protocols. When dealing with debt recovery, professional tact and discretion are particularly important: in all assignments, we work hard to protect the lender’s brand and reputation. On the other side of the equation, debtors may be in a vulnerable situation so we train our staff to recognise the signs and to act with due care and sensitivity.


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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