Commercial Loan Restructure

How It Works- The Process

loan write down

Free initial face to face personal consultation with our global banking expert.

  • Client must bring their Experian & Equifax report to the meeting. A decision is given upfront as to if we can get a positive result with your case. All parties agree upon the strategy which will be used with the bank in question.
  • Our negotiators only take cases they know they can win, which means they have a 100% success rate. We will agree costs with you and a procurement fee paid. Fees can be spread out if cash flow is an issue. So long as you stick to the fee schedule your case will be worked on.
  • The team will produce profit & loss details on your behalf for the lender, based upon payments to the Bank involved being no more than 75% of Estimated Rental value. It will show disposal valuations for the portfolio within set parameters.
  • Our banking specialist will take over all contact with the bank on your behalf, relieving the immediate stress for you.They arrange meetings with your bank, with you in attendance, and lay out the cost, time delay, and likely net return of the banks’ existing proposed course of action. A different solution is offered which has a similar net return for them, but which releases cash and gets the debt off their books sooner than a repossession or sale would.
  • When the bank accepts our solution, finance is arranged to pay them off- OR-you decide whether you just want to sell off all/ some of the properties, or refinance them; we help you to arrange either option. Sometimes other solutions are sought, each case is dealt with individually, there is no one size fits all solution.Sometimes the process can take up to a year if debt write downs are required, largely down to banks dragging their heels.

Landlord & Commercial Property Portfolios

  • Debt write offs require that the individuals are creditworthy enough to qualify for a new loan, with a different lender.
  • NRAM /Mortgage Express are more problematic and long winded to deal with than other banks. Commercial banks are easier.
  • NRAM like to threaten clients and use LPA Receivers, as this avoids them making decisions.
  • NRAM often try to force revaluations, leading to requests for lump sums to cover new valuation shortfalls.

Help For Commercial Bank Loan Problems

mortgage

Got commercial loans of £1m or over for your business or property? Is your bank trying to get you to do any of the following?

Attempting to appoint LPA receivers.
Repossess your property / assets.
Calling in loans even if you are trading in profit.
Cancelling loan agreements with no warning.
Forcing you to move to a different loan rate/ LTV.
Forcing a shortening of the loan term.
Forcing a refinance or repossession for non compliance.
Forcing sale to NRAM or other government subsidiary.
Adding charges which are unmanageable.Forcing bankruptcy upon you and seizing assets.
Enforced LIBOR or hedge loan swap issues causing defaults.
Limited companies or landlords with multiple properties.
Banks stating they want to revalue your properties.

We can help:

  • Chains of shops, hotels, commercial property, mixed personal & commercial, care homes, student let blocks,landlord portfolios etc.

Landlord & Commercial Property Portfolios

  • Debt write offs require that the individuals are creditworthy enough to qualify for a new loan, with a different lender.
  • NRAM /Mortgage Express are more problematic and long winded to deal with than other banks. Commercial banks are easier.
  • NRAM like to threaten clients and use LPA Receivers, as this avoids them making decisions.
  • NRAM often try to force revaluations, leading to requests for lump sums to cover new valuation shortfalls.

Case Studies In More Detail

property portfolio saved
large personal debt written down
landlord portfolio debt written down
business turnaround, administration stopped