Practical advice to lenders for every stage of the loan lifecycle

We support and advise lenders on distressed and non-performing UK real estate loans with expertise in receivership appointments, asset management, workout strategies and capital advisory to protect value and/or maximise recoveries. With a focus on asset management, loan workout and alternative funding solutions as early intervention strategies, we also preserve a lender’s ability to enforce their security once other options have been fully explored. Through Fixed Charge and LPA receivership appointments, lenders can take control to stabilise assets and manage recovery across simple and complex structures, supported by our nationwide team of restructuring specialists. We deliver tailored realisation strategies, from portfolio interventions to accelerated disposals.

Investors and lenders rely on us to improve the performance and stability of both individual assets and portfolios. Our team brings hands-on experience across commercial, residential and mixed-use assets, delivering insightful reviews, value-preservation strategies and stabilisation planning to protect income and reduce risk. Acting as independent monitors, we provide structured oversight of higher-risk exposures, covering covenant performance, drawdown conditions, construction progress, borrower behaviour, cashflow movements and early warning indicators – enabling timely, proportionate intervention.

We support lenders with independent and objective, partner‑led financial analysis across the credit lifecycle – from new lending decisions for acquisition, growth or refinancing, to managing stressed exposures. Our clear, lender‑focused insights into a borrower’s historical and forecast performance, cash generation, debt serviceability and covenant headroom, help lenders understand risk, validate assumptions and make confident actionable decisions especially on forecast‑dependent or higher‑risk transactions. Where appropriate we also accept Board Observer roles.

Our specialists provide insightful analysis to lenders on the feasibility, viability and strategic options across both development and investment scenarios, including financial modelling, capital expenditure planning, residual appraisals and funding strategy analysis. Our independent approach is grounded in realistic assumptions, market appetite and contemporary experience of lender behaviour.

We work alongside lenders on live recoveries and workouts, providing independent loan and loan book analysis for audit, risk and transaction purposes. Our support includes pre-lending reviews testing security, valuation assumptions and likely distressed recoveries, as well as ongoing development monitoring across build progress, budgets and gross development value. At a portfolio level, we highlight concentrations of risk, emerging stress and loans needing early intervention. We assess the drivers of value, liquidity and deliverability, helping lenders refine strategy and act early supported by FRP’s multidisciplinary restructuring, real estate and capital advisory expertise.

Where concerns arise on a borrower’s financial position, prospects and liquidity runways at a corporate level our market leading teams of restructuring and insolvency professionals provide insightful assessment and recommendations to lenders on options to protect financial and non-financial risks. Such options can include turnaround and rescue strategies, accelerated M&A projects, managed exits through refinancings and financial restructuring regimes such as Part 26A Restructuring Plans, Company Voluntary Arrangements. Such analysis can also be deployed in devising bespoke contingency plans should formal insolvency appointments be unavoidable.