Banks & Lenders
Strategic Support for Lending Relationships in Transition
Banks and lenders operate in an environment where borrower performance, collateral integrity, and regulatory scrutiny can shift quickly, especially in the small business segment. At Fortis Business Advisors, we provide hands-on, lender-aligned support to preserve value, manage risk, and accelerate outcomes across challenged credits.
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We understand the internal pressures lenders face: limited resources, delayed borrower responsiveness, intensifying compliance oversight, and the growing complexity of modern credit portfolios. Our team brings direct experience from both sides of the credit relationship, offering strategies grounded in real borrower behavior, financial reality, and institutional priorities.
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Whether engaged in a shadow advisory capacity or as borrower-facing relationship managers, Fortis delivers structured, cost-effective support to lenders to improve workout efficiency, collateral valuation and disposition strategy, and borrower accountability. We help lenders identify early-stage borrower distress, assess repayment viability, and implement resolution strategies, whether aiming for loan document compliance, borrower exit strategy, or alternative funding strategies through refinance or sale of the borrower. For adversarial borrower situations, we collaborate with the lender's legal counsel to help actively guide efficient litigation and/or bankruptcy proceedings, including liquidation of collateral when warranted.
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We provide real-time insight and actionable diagnostics to help lenders stay ahead of deterioration, mitigate legal and reputational risk, and drive resolutions that withstand both internal review and regulatory scrutiny. Our engagement model is responsive and defensible, and our programs are flexible, scalable, and tailored to align with the lender's objectives, whether stabilizing a loan or moving it off the books.
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Fortis delivers pragmatic support from professionals who understand borrowers, collateral, courts, and constraints. Our work isn't theoretical, it's tactical, time-sensitive, and outcome-driven.
Bank Problem Loan Advisory & Resolution Program
Structured support for credits under pressure.​​
​Fortis offers a two-tiered advisory framework tailored to community banks, regionals, and SBA lenders facing borrower distress, collateral risk, or litigation exposure. ​Whether you're managing early warning signs or navigating adversarial borrower relationships, our program enhances internal capacity with targeted diagnostics, real-time strategy, and borrower accountability.​​​​​
Service Level 1 -
Shadow Advisory to Lenders
Service Level 2 -
Borrower-Facing Relationship Mgmt.
WHEN WE HELP
Borrower Becomes Unresponsive
A previously communicative borrower goes dark, delaying financials or dodging calls. Fortis assesses borrower intent and helps reestablish a functional path forward.
Relief or Modification
is Requested
When a borrower requests deferrals, rate changes, or amended terms, Fortis helps assess viability, intent, and long-term repayment potential.
Financial Deterioration Emerges
Cash flow issues, covenant breaches, or margin erosion point to deeper operational or structural distress. We provide financial diagnostics and assess repayment capacity.
Bankruptcy or Legal Action is Likely
Signs of bankruptcy or litigation are on the horizon. Fortis helps structure lender strategy, support counsel, and maintain continuity through legal or court-driven processes.
Collateral Clarity is
Needed
Inventory values are distorted, real estate conditions uncertain, or the secondary market unclear. Fortis delivers actionable collateral insight to inform risk ratings and recovery strategy.
Credit Exit or Recovery Strategy Required
When seeking to exit a challenged credit, but need a tactical plan. Fortis helps define exit options via reinstatement, restructuring, or monetization.
Lenders face critical inflection points where borrower performance, collateral reliability, or resolution pathways become unclear. Fortis steps in during these moments to provide structured, responsive support aligned with institutional priorities.
Why Fortis Business Advisors
Fortis delivers focused, lender-aligned support designed for high-stakes environments. We understand the internal realities of banking -- limited bandwidth, complex borrower dynamics, and mounting regulatory oversight. Our solutions are pragmatic, timely, and grounded in experience.
COMPLEMENTARY INTEGRATED SOLUTIONS
Strategic services designed to support credit risk professionals, workout officers, and special assets teams, enhancing visibility, improving resolution outcomes, and preserving institutional value.
FEATURED SUCCESS
Chief Financial
Officer
Having performed their analysis, it was evident that we had deeper issues. Fortis developed a go-forward plan to point us in the right direction.​