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Capital Finance provides specialized expertise to
a wide variety of lending institutions including banks, savings banks, credit
unions, insurance companies, mutual funds and portfolio managers. When an
institution does not yet possess the experience, skills, or personnel necessary
to conduct specialized lending services and or desires to test a market
requiring unique skills, they call Capital Finance. Below are some of the
areas of expertise we cover. Click on any topic of interest for a detailed
description of how Capital Finance can help you add to "the bottom line."
- Portfolio Brokerage
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We connect buyers and sellers of loan
portfolios and individual loans of all types. Our contacts cover the
full range of risk assets from consumer and residential mortgage portfolios
to non-performing commercial loans and leases.
Classified assets have increased
steadily in recent months. Experts attribute the increase in sub-performing
debt to a nervous economy, aggressive loan growth, an increase in high-risk
portfolios, and a deflating real estate market.
The consequences of carrying a higher
percentage of classified assets on bank balance sheets include declining
asset quality ratios, higher levels of restricted capital for loan loss
reserves and diminished regulator and investor confidence. The typical
response of banks to increased classified asset ratios is to tighten their
credit policies. While this, obviously, works; it improves their ratios
while taking a long period of time. Unfortunately, credit underwriting is
an imperfect science and tighter credit policies will also cause banks to
reject many good loans in the process.
Fortunately, there is an additional
step to tightening credit decisions in order to improve asset quality ratios
much more quickly--loan sales. Selling classified loans will remove the
adversely, rated loan and potential liability from the balance sheet,
relieving the bank of the risks associated with such sub-standard assets.
In many cases, classified assets can be sold at small discounts to their
principal balance, providing a sure-fire way to create a positive asset
quality trend. Loan sales are a great alternative for banks to sell a loan
pool without taking a large discount for potential loan losses. The
transaction results in improving asset quality ratios, regulator, investor
and client confidence.
Is a loan sale strategy right for your
bank? Whether you are selling to improve quality ratios or for liquidity;
chances are, the answer is yes. Contact us for a complete market analysis
of the impact of selling whole loans.
- Crisis
Management
We have more than 20 years of
experience in the resolution of troubled banks. Whether in lending or
in other areas, when an impartial outside assessment and experience tested
solutions may be necessary, we can help.
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Specialized Lending Departments
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Very often a lending institution wants to
expand its services to include any one of a number of high-yielding or tax
efficient portfolio strategies. They may be unsure of the size of the
market, unable to immediately identify managerial personnel with the proper
skills, or unwilling to commit to a significant increase in fixed expenses.
We step in and provide all the support our client desires for as long as
they desire without a permanent commitment to increasing staff or occupancy
expenses. Visit the Specialized Lending Services page to learn more
about the benefits of having Capital Finance provide SBA lending, Accounts
Receivable and related forms of asset based financing, Leasing, Title I (and
look alike) loans and more.
- Risk Management Services
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 Since 1987, Capital Finance has
provided collection and recovery consulting services and vendor management
expertise to credit grantors. Recognized as a leader in the collection and
recovery industry, Capital Finance focuses on maximizing net returns from
delinquent accounts. Whether collecting with internal efforts, or through
partnerships with Capital and outsource providers, we provide reliable,
insightful and innovative consulting services, concentrating on achieving
improved returns from delinquent and charged-off accounts.
Capital Finance assists with specialized research into specific areas such
as Agency and Attorney Usage, Management Strategies, Internal Recovery and
Debt Sales. Our continuous research and experienced consultants allow us to
provide cutting edge resources and solutions to an ever changing industry.
Capital Finance offers a broad
range of services designed to control risk in your institution. We
provide private credit audits, assistance with administration or
outplacement of troubled debt, policies and procedures and help with loan
participations and complex structured financial transactions.
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Expert
Witness Services
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- Banking and financial litigation is
usually complex and includes issues that are difficult for the typical
juror, some judges and attorneys to understand. As issues grow more
and more complex, we are seeing an increasing use of expert witnesses.
When litigation results, even the most knowledgeable attorney or judge is
absolutely no substitute for an expert who has been “in the trenches” and
possesses many years of hands-on, broad-based industry experience.
Capital Finance provides clients and attorneys with financial and expert
witness/litigation support services that result in the best possible
outcome.
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