We support financing banks and other institutions in their assessment of the financial performance of the borrowers on the following stages of the financing process:

• Before provision of financing;
• In the course of the credit monitoring process;
• During restructuring of financing.

Our lender due diligence assistance services include:

• Analysis of prospective borrower’s financial position and performance as well as cash flows prior to provision of financing;
• Budgeting accuracy based on historical budgets and variances between budget and actual results;
• Analysis of working capital requirements and its seasonality;
• Analysis of the cash level projections and cash requirements in the financing period (including ability of the financing repayment);
• Periodical analysis of borrower’s financial position and performance as well as cash flows in the financing period;
• Periodical analysis of borrower’s projections (including profit and loss account and cash flows);
• Assessment of borrower’s market position;
• Analysis whether debt covenants stipulated in credit agreements are met;
• Identification of assets that might be potentially sold for the purpose of repayment of the financing;
• Identification and estimation of other significant commitments and contingent liabilities that might endanger financial performance or otherwise adversely affect the borrower's financial position;
• Analysis of borrower’s tax position and tax optimisation scenarios;
• Operational due diligence of the borrower.