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Lender Focused Restructuring Services

Recovery based on sound strategies.

Strategic guidance for lenders when client financial stress is high

With fast-changing market conditions and macroeconomic influences, you may find some of your clients are under financial stress and loan recovery is uncertain. Your clients may require assistance through restructuring and turnaround services, expert guidance to navigate urgent situations, and support in restructuring efforts or to maximize loan recoveries.

BDO's Business Restructuring & Turnaround Services (BR&TS) group provides services to all types of lenders, including major Canadian financial institutions, credit unions, alternative lenders, and private lenders. We work collaboratively with your client's management team to understand their business model and issues causing financial difficulty, assess available options to turn around financial performance, and develop robust restructuring plans.

If you have uncertainty surrounding the strength of your lending or security position, our team can perform an independent business review. We assist in gathering and analyzing the information required to help you make informed decisions. If an exit of your credit facility is ultimately needed, our team of Licensed Insolvency Trustees across the country can assist in planning and facilitating an exit to maximize recovery through a receivership, bankruptcy, or business windup scenario.

Triggers signaling when to call a BDO advisor

The most important decision management may make in times of financial stress is determining when to seek professional advice. It may be time to call a BDO BR&TS advisor to help assess options if your client is experiencing some of the following:

  • Year-over-year financial losses
  • Aging payables, source deduction, GST or HST arrears
  • Breach of financial covenant or violation of loan agreement
  • Transfer of your account to a lender's special loans group
  • Request by a lender to negotiate a forbearance agreement
  • Facing a significant lawsuit
  • Supply chain issues causing disruption to operations
  • Loss of a significant customer or supplier
  • Concerns regarding ability to continue operations
  • Significant accounting adjustments or other material impacts on margin calculations

How we can help

Our suite of services focused on lenders

Viability assessments
  • Determine causes of financial stress
  • Financial forecasting and budgeting
  • Simple/complex financial modeling
  • Assess strength of management and likelihood of turnaround
Options analysis
  • Review and evaluate capital structure
  • Assess restructuring, enforcement or exit strategies
  • Identify potential sources of liquidity
  • Scenario analysis modeling
  • Assess likelihood of loan recovery and lender security position
Monitoring services
  • Develop restructuring monitoring procedures
  • Monitor management's performance executing restructuring plan
  • Timely reporting to lenders
Liquidation services
  • Sale of assets or underperforming divisions
  • Wind down underperforming companies, which may involve formal bankruptcy proceedings
  • Court appointed and private receiverships

Turning your business around starts with unlocking value

Our Strategy, Value Creation & Analytics service can help.

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Featured insights and offerings for Lender Focused Restructuring

Resources to support your business

Recalibrating your business for the new economic reality

Pre-during-and post-pandemic financial outlooks are very different. Many companies that enjoyed high profits and a booming business throughout the pandemic are seeing a drastic shift, and this has implications both for their business models and the private equity firms who have large investments with them.

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How companies can better manage their cash flow

Achieving consistent profitability largely depends on how well a business is run. Having an accurate cash flow statement can help with this process.

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How businesses can mitigate inflation risks

Inflation is on the rise and your business should be exploring options to mitigate the risks of rising inflation. While there is no easy answer, there are strategic initiatives you should consider to help strengthen and streamline your operations and protect your business.

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4 steps to building supply chain resiliency and protecting your business

Supply chains are more unstable than ever. Our interactive guide includes four steps to building supply chain resiliency and key insights from supply chain leaders.

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Our Lender Focused Restructuring services are in your industry

Helping agribusiness navigate risks and disruptions to create strategic financial plans, growth solutions, and seamless transitions.

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Helping your business meet high consumer expectations and growing demands for convenience while still reducing costs and boosting profit.

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Solutions to address key challenges and complex issues—including labour shortages, government regulation, and economic volatility—to help you stay competitive.

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Reliable information and guidance to manage evolving regulations, new business models, and emerging technology trends to stay ahead of the curve.

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Other services you may be looking for

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Our Capital Advisory team offers a powerful combination of financial acumen, coupled with an understanding of capital markets and solutions. Our highly experienced advisors provide strategic advice related to capital structure, debt, joint ventures, and other alternative capital sources, all to empower businesses to harness growth opportunities and drive success.

Disputes, fraud, and corruption threaten the reputation and assets of businesses globally. BDO's Forensic Disputes & Investigations team prevents, detects, and responds to such risks by applying a combination of forensic accounting techniques with investigative acumen.

Empathetic and experienced Licensed Insolvency Trustees who can help you explore all your debt relief options. We're committed to helping you create your own path to financial recovery.

Each business valuation is based on a unique set of factors—financing, business models, acquisitions, re-organizations, succession plans—and requires a thorough understanding of the industries involved. BDO's Chartered Business Valuators (CBVs) bring extensive experience working with owner-managed businesses to large public companies, always taking the time to understand your business and offering tailored services for individual client needs—from financial and tax reporting to transaction and litigation support to complex financial instruments.

Our Lender Focused Restructuring services support the stage your business is in

Adapt and respond more quickly and effectively to the changing economic, legal, consumer, and market landscape.

Adapt, prepare & respond

Modernize the way you run and manage your business to be relevant in today’s digital world.

Evolve, automate & transform

Secure your most important assets through critical, preventative, and corrective measures.

Secure, protect & investigate

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