Asset-Based & Secured Lenders
Collateral Clarity in an Uncertain Market
Asset-based and secured lending remains a critical channel for small business capital, but in today's environment of tariff-driven cost shifts, unpredictable inventory cycles, and predatory lending interference, collateral is no longer as reliable as it once was. Asset-based and secured lenders are increasingly challenged to assess not just the liquidation value of assets, but the operational conditions surrounding them. At Fortis Business Advisors, we help lenders mitigate risk, maintain control, and drive resolutions across volatile credit situations, whether through borrower engagement, collateral strategy, or structured monetization.
Our team brings real-world experience from both the origination and workout sides of asset-based lending, along with operational oversight gained from direct borrower engagements. We have helped Factors recover over-advancements on accounts receivable, supported secured lenders through complex retail and wholesale liquidations, and stabilized deteriorating borrower situations with targeted turnaround and monetization strategies.
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We support lenders confronting overleveraged borrowers, irregular reporting, distressed assets, or signs of operational dislocation. Our insights go beyond liquidation value -- we assess working capital behavior, asset use, receivables quality, inventory distortion, and borrower intent. The result is a pragmatic path toward restructuring, recovery, or strategic exit, with collateral protection always top of mind.
WHAT FORTIS PROVIDES
Practical solutions that protect collateral, clarify borrower risk, and support resolution strategies from initial warning signs to final recovery.
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​Fortis offers targeted, lender-focused services designed to mitigate collateral exposure and improve recovery outcomes. Whether monitoring early signs of borrower instability or managing an active default, our support spans advisory, diagnostics, monetization, and execution. Every engagement is tailored to the lender's objectives and the realities of the borrower relationship.​​​​​
Lender-Aligned Solutions
WHEN WE HELP
Asset-based and secured lenders often encounter inflection points where borrower risk, collateral uncertainty, or operational disruption demand external insight. Fortis provides clarity and action in these critical moments, before risk escalates.​​​​​​
Borrower Reporting Distruptions
Delayed, incomplete, or inconsistent borrowing base reports impair lender visibility and heighten credit risk.
Payment Relief Requests or Silence
Requests for forbearance or unresponsiveness signal borrower distress and the need for a preemptive strategy.
Inventory or Asset Concerns
Aging inventory, seasonality, obsolescence, or misaligned valuation raise concerns over liquidation and recovery viability.
Pre-Liquidation or Wind-Down Planning
Lenders need an actionable plan to protect collateral value before a borrower shuts down or files.
Covenant Breaches or Margin Compression
Rising costs, weak reporting, or market shifts trigger erosion of repayment capacity or covenant compliance.
Uncertain Collateral Disposition or Exit Timeline
When exit strategies are unclear, Fortis provides a structured process to recover value and reduce ambiguity.
Why Fortis Business Advisors
In today's ABL landscape, collateral value depends as much on borrower behavior and market conditions as on appraised values. Fortis bridges the gap by delivering real-time insight, hands-on support, and collateral intelligence built for unpredictable cycles.
COMPLEMENTARY INTEGRATED SOLUTIONS
A comprehensive range of strategic services specifically designed to support lender priorities, enhancing ABL effectiveness, borrower accountability, and recovery outcomes.
FEATURED SUCCESS
Commercial Finance Lender
As a preferred partner, Fortis Business Advisors and their team helped to turn a tough situation around for one of our transportation clients.
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INDUSTRY INSIGHT
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