Loan Book Resolutions & Recoveries
Accelerating exits and recycling trapped capital for bridging and specialist lenders — faster, more commercially driven outcomes without the overhead of a permanent hire.
Key features
- Refinance & Exit Structuring
- Distressed Asset Sales
- Capital Recycling
- Strategic Case Triage
- Early Intervention
An Extension of Your Recoveries Team
Where loans stall, the cost is not just potential impairment — it's trapped capital, reduced deployment capacity, and negative carry against funding lines. Our focus is on accelerating resolution and recycling capital back into performing loans as quickly as possible.
Rather than a single hire, we act as an extension of your team on a consultancy basis with immediate access to term refinancing solutions, institutional and private capital sources, a network of active investors, and strategic case triage — all focused on achieving the best recovery outcome in the shortest timeframe.
The optimal exit route is dictated by the specific stress point within each deal — whether that sits with your balance sheet, funding lines, borrower performance, or the underlying asset. Our role is to identify that pressure point early and structure the most efficient route to resolution around it.
Where refinance alone won't fully take out your position due to leverage constraints, we introduce additional capital behind the incoming senior lender to bridge the gap, enabling a full exit without forcing discounted enforcement.
Benefits
- Immediate consultancy access — no recruitment lead time
- Term refinancing across mainstream and specialist lenders
- Institutional and private capital for special situations
- Investor network for distressed and off-market acquisitions
- Proactive loan book monitoring to prevent defaults
- Capital recycled faster back into performing loans
- Mezzanine and gap funding behind incoming senior lenders
- Face-to-face borrower engagement to drive momentum
Ideal for
- Bridging lenders managing defaulted or extended loans
- Specialist lenders with constrained funding line capacity
- Loan books with mixed-use or complex underlying assets
- Situations requiring multi-component refinance strategies
- Lenders seeking proactive early intervention across the book
- Cases where enforcement would result in a discounted exit
Frequently asked questions
How does a consultancy model differ from hiring a recoveries specialist?
A consultancy model provides immediate, senior-level access without recruitment timelines or fixed overhead. You engage us on a case-by-case or retainer basis, scaling involvement up or down as the book demands — with no employment risk and direct accountability to outcomes.
What types of exits can you structure?
We structure exits across the full spectrum: term refinance with mainstream or specialist lenders, bridging to bridge solutions, structured extensions with agreed exit plans, mezzanine or gap funding behind incoming senior debt, and managed asset sales to our investor network where appropriate.
How do you approach complex, multi-component assets?
We break the asset into its constituent parts — for example, separating residential, commercial, and serviced accommodation elements — and refinance each with the most appropriate lender for that asset class. This typically maximises aggregate value and increases the probability of a full take-out.
Can you help before a loan reaches default?
Absolutely. We take a proactive view across the wider loan book, identifying early signs of borrower stress before they materialise into defaults. Early intervention allows us to implement structured solutions rather than reacting once positions have deteriorated.
What does engagement look like in practice?
We begin with a case triage to identify the core stress point — balance sheet pressure, borrower performance, asset condition, or funding line constraints. From there we present a structured exit strategy, engage directly with borrowers and their brokers, and manage the process through to resolution.
Offices
Registered and North of England office: Ayrshire Lodge, Brass Castle Lane, Nunthorpe, Middlesbrough, TS8 9EB.
London office: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF.
Telephone +44 7746 212528. Email som@unicorn-commercial.co.uk
Unicorn Capital Advisory is a trading name of Unicorn Capital Advisory LLP (LLP No. OC459692). Finance is arranged for business purposes only and is not regulated by the Financial Conduct Authority.
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