Lenders & Special Situations
Clear decisions. Practical action. Capital recovery.
When a borrowerā€™s ability to repay comes into question, capital remains exposed while costs and funding obligations continue.
HPS Capital Partners supports private lenders, private credit funds, non-bank lenders and family offices across property, development and corporate lending.
We establish the position, assess recovery and value-improvement options, and coordinate practical execution. Our focus is the strongest achievable net recovery, taking into account the time value of money, additional capital required and execution risk.
Property & Development Lending
When the asset or project no longer supports the original lending plan
Falling values, developer or builder failure or fatigue, cost overruns, delays and weaker sales can undermine repayment. Lenders need reliable information about the asset, remaining funding requirements and realistic exit options.
Our support includes:
- Independent property and development recovery assessments.
- Cost-to-complete, programme and feasibility reviews.
- Comparison of completion, sale in the current condition, leasing and refinance options.
- Mortgagee-in-Possession Support, including securing and assessing the asset, recovering project records and coordinating consultants and contractors.
- Lender-side project oversight, builder replacement and completion management where required.
- Approvals, certification and preparation for the agreed exit.
- Transaction Management, coordinating agents, buyers and advisers through sale and settlement.
Corporate & Business Lending
When business performance no longer supports the original lending plan
Deteriorating cash flow, falling earnings, management fatigue and unreliable reporting can undermine repayment. Lenders need a clear view of business viability, further funding requirements and realistic recovery options.
Our support includes:
- Independent business and financial assessments.
- Cash flow, working capital and debt-servicing reviews.
- Assessment of management capability, operational performance and opportunities to improve value.
- Comparison of continued support, restructuring, refinancing and business or asset sale options.
- Coordination with management and appointed advisers, with oversight of agreed actions, expenditure and reporting.
- Transaction Management, including sale preparation, buyer coordination, due diligence and negotiations through to completion and capital realisation.
From Assessment to Realisation
1. Establish the Position
Complete an initial lender review, identify immediate risks and verify the information needed for decisions. Define any further business, property or project assessment required.
2. Test Recovery and Value-Improvement Options
Assess the available pathways and whether targeted action could increase value. Compare likely net recovery against additional expenditure, timing, funding requirements and execution risk.
3. Agree the Recovery Strategy
Set priorities, responsibilities, budgets and decision points with the lender and relevant advisers. The lender retains commercial control.
4. Manage Execution
Coordinate the people and actions required to implement the strategy. Provide clear reporting on progress, expenditure and changes affecting recovery.
5. Manage the Transaction and Realise Capital
Coordinate the agreed sale or refinance, managing counterparties, due diligence, negotiations and advisers through to completion and capital realisation.
Experience Applied to Lender Decisions
Property & Development
Experience across property assessment, development feasibility, construction, project management, completion and sale informs our assessment of delivery risk and recovery options.
Management Consultancy
Business and financial assessment, cash flow analysis and operational review inform our assessment of business viability, repayment capacity and opportunities to improve value.
We work alongside the lenderā€™s internal team and appointed professional advisers.
References available on request.
A focused, cost-effective starting point
HPSCP offers lenders a scoped commercial review to establish the position, test recovery options and identify the actions required. This staged approach helps lenders control initial expenditure and direct further spending towards an agreed recovery strategy.
Where circumstances allow, we support a commercial resolution without the cost and complexity of a formal appointment. Where specialist advice or a formal appointment is required, we work alongside appropriately qualified professionals.
HPSCP does not act as an insolvency practitioner or receiver. Legal advice, valuations, certification and statutory appointments remain with appropriately qualified and appointed professionals.
Discuss Your Exposure
An initial discussion can clarify the immediate concerns, decisions ahead and scope of review required.
All initial discussions are treated confidentially, with any formal engagement subject to appropriate confidentiality arrangements.