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.