Debt Re-Structuring Plans
At the heart of most cash flow crises, is the borrower’s inability to service the debt load. Lenders are rarely quick to offer workout terms, and when they do, frequently—the damage is already beyond repair or the terms have become so overbearing that the borrower simply throws in the towel. A better solution is re-structuring the debt serving requirements into terms that are achievable while not limiting future opportunity. This alternative is mutually beneficial opportunity for both partners in the relationship when properly negotiated and structured. We are experts in creating this win-win evolution from a credit crisis.
Ultimately, Utley Management’s mission with a restructuring plan is to create that proverbial “good deal” capable of satisfying both parties in the long term. We choose our involvements carefully, and will only take a commission if everyone agrees the potential exists to create a legitimate solution. In short, our expenses must be countered by the preservation of assets and the debt service potential from ongoing operations.
Effectively portraying a business to a lender or investor requires a specialized skill. Consider the average lender’s plight in these financial times: deluged with financing requests, common sense dictates that applicants offering the most compelling, accurately detailed, and professionally structured presentations have the greatest potential for favorable consideration.
The same holds true for venture capitalists and angel investors–they’re busy, and that requires a very concise story that not only portrays the value of the investment/financing plan, but importantly that your opportunity quickly captures the imagination.
Regardless of the business concept, every successful business plan requires formula ingredients presented in a logically stated order and with all eventualities properly anticipated and documented. It’s not a job for amateurs.
Commercial Loans (Including USDA and SBA Guaranteed Loan Applications)
Writing a successful commercial credit request can ultimately be the most critical element of your financing success.
Understanding the lending priorities and credit criteria of specific lenders, including those of both the USDA and SBA guaranteed loan program, is fundamental to designing any credit application. Failing to provide a seemingly insignificant documentary requirement can result in delays and potentially threaten the application. Packaging the documentation in an organized format can also make a difference whereby the focus fall on the credit decision rather than haphazard or missing documentation.
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