Non-Performing Loans
Debt restructuring involves more than just refinancing existing loan facilities
Northwestern Credit Financial's affiliated restructuring experts work with our corporate and family office clients to reduce debt burdens, unload non-performing assets that might be locked down by excessive debt, and recover creditworthiness caused by credit facilities that may be in default.
Northwestern Credit Financial's third-party consultants posess the depth and breadth of experience to offer unique insights into the valuation of non-performing loans. Their services are invaluable for portfolio evaluations and pricing discussions and extend to both buy-side and sell-side services.
Buy-side services
Our affiliated experts offer comprehensive advisory services that can be tailored to individual circumstances, including:
Identifying potential portfolio investment opportunities
Providing loan portfolio due diligence and valuation
Advising on potential deal structures for proposed transactions
Assisting in the conclusion of the deal
Sell-side services
Our experts also act as the financial advisor in relation to all aspects of non-performing loan sales, which includes the complete management of the disposal process. Their sell-side services encompass the following:
Preparation for sale:
- Portfolio review, classification, and stratification;
- Pooling and packaging sub-portfolios to maximize their potential value;
- Advising on an appropriate form of investor review files, including file content and information collation/organization;
- Advising on appropriate marketing and disposal strategies; and preparation of confidential information memorandum
Investor sourcing:
- Identifying potential investors for bilateral deals or public tenders, and targeting specialist investors for specific sub-portfolios/tranches
Execution/completion of sale:
- Management of the entire portfolio sales process; transaction structuring;
- Designing appropriate bidding/sales procedures;
- Overseeing investor contact, including investor invitation and Investor Qualification; evaluation of investment proposals;
- Negotiate deal terms; and coordinating the involvement of legal, tax, and accounting advisors.
Single-Asset
An increase in foreign direct investment into companies in the emerging markets has fostered an unprecedented increase in single-asset distressed loans. Rather than exposing market weakness, this condition opens opportunities for investors that are interested in alternative investments.
Northwestern Credit Financial's third-party professionals have particular expertise in seeking and identifying non-performing loans along with other under-valued investment opportunities and in connecting capital sources with the holders of those loans. These opportunities are often special situations involving a single asset, including, for example, a property development project, or companies that require some form of bridging finance.
The professionals in our network couple their local connections and relationships to find capital investors for companies that hold these loans and to introduce them to investors that are looking for these potential investment opportunities.
Their services specifically include:
Identifying, screening, and summarizing suitable single asset investment opportunities for investors.
Working with the entity seeking finance to ensure they understand the investor's investment requirements
Providing pre-acquisition financial due diligence
Developing acquisition and divestment structures that meet the needs of both parties
Leading the transaction process through to closure
