Post-Funding Asset Review
When a live loan is getting tight and the exit needs to be reset
Most lending problems don’t start at default.
They start when the original exit begins to look less certain, but everyone carries on as if it will still land.
A sale takes longer than expected. A refinance looks harder. Works run over. The market shifts. Communication becomes cautious. Small delays start to matter.
DCRE is typically brought in while there is still time to act, before positions become fixed and the only options left are formal ones.
Our role is to establish what the asset can realistically support now, and to help the borrower move from intent to a credible, evidenced plan that a lender can make decisions on.
When this is used
Clients involve us when a loan is approaching term, when payments have been missed, or when there are clear signs the exit is not progressing.
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Sometimes the asset is fine but the execution isn’t. Sometimes the market has moved. Sometimes the original assumptions were too optimistic. Often it is a mix of all three.
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In many cases, the situation is still recoverable. The risk is that nobody is working from the same, factual picture of what the asset is worth today, what it is actually marketable as, and what routes are still realistic.
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This work is about getting that picture clear early enough for it to change the outcome.
What we actually do
We carry out an independent, property-led review of the live position.
That includes assessing the asset as it stands today, value in realistic ranges, buyer depth, marketability, and what has changed since the loan was written.
We then test the exit route properly.
If the exit is sale, we look at whether the pricing and marketing strategy is working, whether the agent is doing the right work, and what needs to change to create traction.
If the exit is refinance, we look at what a lender and valuer are likely to challenge, where the evidence is thin, and what needs to be tightened so the case stands up.
The point is not to produce more paperwork. It is to give a clear view of what is realistic, what is not, and what should happen next.
Exit reset and practical options
Post-funding problems often come down to one thing.
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The asset is being asked to do something it cannot do on the original timeline or assumptions.
Once the position is clear, we help rework the plan in a way that is credible.
That might mean a change in pricing, a different route to market, a change in agent approach, a revised refinance route, a phased solution, or a wider strategy change.
This is not about creating a story.
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It is about choosing the route that matches the asset and the market, then executing it properly.
Borrower cooperation and lender visibility
This structure works because it sits outside the lending process, but it can still help lenders make better decisions.
The work is independent, with the fee paid by the borrower. That matters because it often allows a more open, practical conversation than a lender can have directly without it feeling like escalation.
Where helpful and with consent, the output can be shared with the lender so credit teams and boards have a clearer, grounded view of the asset and the plan.
In pressured situations, that visibility makes a difference. It shows what is being done, why it is being done, and whether the borrower is cooperating.
How it works in practice
We work proportionately.
Some cases need a focused review and a reset plan within days. Others justify deeper work, including site time, local market testing, agent review, and specialist input where needed.
Depth increases only where the situation justifies it.
If the honest answer is that a plan is not workable as proposed, we will say that clearly.
What this delivers
By the time decisions are taken, there is a clearer, evidenced view of where the asset stands today and what routes remain realistic.
That usually leads to quicker, cleaner decisions, less confusion, and fewer situations where everyone is reacting late.
If the position can be stabilised, it happens earlier.
If it cannot, that becomes clear sooner, which protects time and reduces avoidable cost.
How this fits with brokers, valuers and solicitors
We don’t replace brokers, valuers, agents or solicitors.
We focus on the asset and the exit, so the work others are asked to do is based on a clearer set of assumptions and a more realistic plan.
In practice, that tends to reduce false starts, avoidable back and forth, and late surprises.