How We Help Commercial Lenders & Special Loans Professionals

---

Helping Protect Borrower Value Before Problems Escalate

Healthy borrower relationships rarely deteriorate overnight.

More often, early warning signs begin to emerge. Cash flow pressure, delayed reporting, covenant concerns, or declining financial performance. The earlier these issues are identified and addressed, the more strategic options remain available for both the borrower and the lender.

DGL Consulting works alongside commercial lenders and owner-managed businesses to strengthen financial leadership, improve borrower performance, and preserve loan quality before formal restructuring becomes necessary.

Early Warning Signs 

You may have borrowers who: 

• Are experiencing cash flow or working capital pressure. 
• Are approaching or breaching financial covenants. 
• Struggle to provide timely, reliable financial reporting. 
• Are growing faster than their financial systems can support. 
• Require stronger financial leadership and accountability. 
• Need a credible plan to restore lender confidence.

How We Support Commercial Lenders 

Working directly with borrowers, we help:

• Provide experienced CFO-level financial leadership. 
• Improve financial reporting, forecasting, and lender transparency. 
• Strengthen cash flow management and working capital discipline. 
• Develop practical action plans with clear accountability. 
• Support refinancing, recapitalization, or growth initiatives. 
• Build lender confidence through disciplined execution and communication.

What This Means for Your Portfolio

Early intervention benefits both borrower and lender.

Our objective is to strengthen viable businesses while helping lenders preserve strategic options and protect portfolio quality.

Benefits may include:

• Stronger borrower performance and accountability. 
• Better financial visibility and reporting quality. 
• Reduced time spent chasing borrower information. 
• Greater confidence in management's execution. 
• More informed lending decisions. 
• Improved long-term borrower stability. 
• Better overall loan performance. 

Why Commercial Lenders Engage DGL

• DGL Consulting becomes involved while meaningful strategic options still exist.
• We do not replace the Relationship Manager.
• We do not replace Special Loans.
• We do not replace insolvency professionals.

We provide independent financial leadership that helps preserve value before formal restructuring becomes necessary.

 When Early Intervention is No Longer Enough

Despite everyone's best efforts, some borrowers require additional oversight through Special Loans.

When that happens, DGL Consulting provides independent financial leadership focused on stabilizing performance, improving financial transparency, and preserving value throughout the recovery process.

Independent Financial Leadership for Borrowers Under Presurre

When borrowers enter Special Loans, financial challenges have often become more complex and lender confidence may already be under pressure.

Timely, independent financial leadership can improve visibility, strengthen management execution, stabilize operations, and preserve value while evaluating the full range of strategic alternatives.

DGL Consulting works alongside borrowers and lending teams to help restore financial discipline, improve communication, and execute practical stabilization strategies.

Common Special Loans Situations:

 DGL is frequently engaged when borrowers are experiencing:

• Covenant breaches or increasing default risk. 
• Liquidity pressure and cash flow shortfalls. 
• Weak or delayed financial reporting. 
• Limited forecasting or financial discipline. 
• Declining lender confidence. 
• Lack of a credible stabilization and turnaround plan. 
• Management teams requiring experienced financial leadership.

How We Support Special Loans Teams:

• Conduct financial and operational assessments 
• Develop lender-aligned stabilization and turnaround plans 
• Provide interim CFO and financial leadership support 
• Improve borrower transparency and responsiveness 
• Enhance financial reporting, forecasting, and controls 
• Support refinancing, recapitalization, or orderly exit strategies 
• Assist in rebuilding lender confidence through credible reporting and execution

BEST-FIT SITUATIONS

• Early-stage Special Loans mandates. 
• Owner-managed businesses experiencing financial pressure. 
• Informal (non-court) restructuring engagements. 
• Borrowers requiring stronger financial and strategic leadership. 
• Businesses needing improved reporting and lender confidence. 
• Companies pursuing refinancing, recapitalization, or operational stabilization.