Lender advisory

Lending markets are recalibrating to a more complex risk environment, with heightened scrutiny of credit quality and borrower resilience. Credit decisions now encompass a wider lens of risk factors – spanning geopolitical, trade and supply chain resilience, to productivity, technology, sustainability and sector-specific dependencies. 
 
BTG provides independent, pragmatic and tailored support to lenders, bondholders, and debt investors navigating borrower stress and portfolio challenges. We work with a broad network of UK and international banks, asset-based and alternative lenders and private credit funds to identify sector-specific credit risks, manage exposures, and optimise recoveries in distressed situations. 

Our services cover refinancing and recapitalisations, portfolio and single-loan sales, debt recovery strategies, and managed exits from borrower relationships. We combine detailed covenant reviews with forward-looking cash flow analysis, debt serviceability assessments, and scenario stress tests against market risks such as inflation, interest rates, and FX movements. We also factor in sector-specific pressures including semiconductor dependency, energy volatility, transportation costs, and tariff resilience. 
 
As trusted partners to lenders, we coordinate stakeholders and facilitate consensus-building in restructuring negotiations. Our teams prepare contingency plans across multiple scenarios, enabling clients to protect value while preserving viable businesses where possible. Where lenders seek to end borrower relationships, we implement exit strategies that minimise business disruption and value erosion. 
 
From initial risk assessment through restructuring execution and beyond, our disciplined approach combines actionable diagnostics, stakeholder engagement, and robust post-restructuring monitoring to deliver clarity, control, and maximised recoveries for lenders and debt investors in complex situations.