{"product_id":"restructuring-the-commercial-loan","title":"Restructuring the Commercial Loan","description":"\u003cp class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003eUnderstanding how, when, and why to restructure a commercial loan is imperative for any business’s success.\u003cspan style=\"mso-spacerun: yes;\"\u003e  \u003c\/span\u003eLoan restructuring can provide several benefits to borrowers who are struggling to make their loan payments, benefits include lower monthly payments, lower interest rates, and avoiding default.\u003cspan style=\"mso-spacerun: yes;\"\u003e  \u003c\/span\u003eUnderstanding the options available to a business will enable professionals to guide the business on the right path to navigating its financial viability.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\"\u003e\u003cstrong\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003eAgenda\u003c\/span\u003e\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp style=\"margin-bottom: 0in; line-height: normal; mso-layout-grid-align: none; text-autospace: none;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003eHow Debt Restructuring Works\u003c\/span\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli style=\"line-height: normal;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003eFirst Step Is Recognizing There Is a Problem\u003c\/span\u003e\u003c\/li\u003e\n\u003cli style=\"line-height: normal;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003eCash Is King.\u003c\/span\u003e\u003c\/li\u003e\n\u003cli style=\"line-height: normal;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003eSelecting the Right People: Attorneys, Management, Other Professionals\u003c\/span\u003e\u003c\/li\u003e\n\u003cli style=\"line-height: normal;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003eReworking an Existing Debt to Better Fit Current Financial Picture\u003c\/span\u003e\u003c\/li\u003e\n\u003cli style=\"line-height: normal;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003eRestructuring Typically Happens in Two Scenarios: Troubled Business Debt and General Business Debt\u003c\/span\u003e\u003c\/li\u003e\n\u003cli style=\"line-height: normal;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003eDebt Restructuring Process Typically Involves Getting Lenders to Agree to Reduce Interest Rates and\/or Extend Maturity Dates on Loans.\u003c\/span\u003e\u003c\/li\u003e\n\u003cli style=\"line-height: normal;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003eBenefits Both Company and Lender (If Bankruptcy Is Avoided)\u003c\/span\u003e\u003c\/li\u003e\n\u003cli style=\"line-height: normal;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003eDifferent Tools to Restructure Debts Including Debt for Equity Swap, Merger or Sale.\u003c\/span\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp style=\"margin-bottom: 0in; line-height: normal; mso-layout-grid-align: none; text-autospace: none;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003e \u003c\/span\u003e\u003c\/p\u003e\n\u003cp style=\"margin-bottom: 0in; line-height: normal; mso-layout-grid-align: none; text-autospace: none;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003eDetermine the Restructuring\u003c\/span\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli style=\"line-height: normal;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003ePinpoint Issue That Is Preventing the Business From Performing Well\u003c\/span\u003e\u003c\/li\u003e\n\u003cli style=\"line-height: normal;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003eWhere Will Restructuring Have the Highest Impact\u003c\/span\u003e\u003c\/li\u003e\n\u003cli style=\"line-height: normal;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003eCalculate\u003c\/span\u003e\u003c\/li\u003e\n\u003cli style=\"line-height: normal;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003eNegotiate\u003c\/span\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp style=\"margin-bottom: 0in; line-height: normal; mso-layout-grid-align: none; text-autospace: none;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003e \u003c\/span\u003e\u003c\/p\u003e\n\u003cp style=\"margin-bottom: 0in; line-height: normal; mso-layout-grid-align: none; text-autospace: none;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003eGeneral Debt Restructuring V. Trouble Business Debt Restructuring\u003c\/span\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli style=\"line-height: normal;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003eGeneral Restructuring Process Does Not Incur Any Losses to the Creditor\u003c\/span\u003e\u003c\/li\u003e\n\u003cli style=\"line-height: normal;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003eTrouble Business Debt Restructuring\u003c\/span\u003e\u003c\/li\u003e\n\u003cli style=\"line-height: normal;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003eBe Aware of Guaranty Obligations\u003c\/span\u003e\u003c\/li\u003e\n\u003cli style=\"line-height: normal;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003eCash Is King\u003c\/span\u003e\u003c\/li\u003e\n\u003cli style=\"line-height: normal;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003eTax Considerations\u003c\/span\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp style=\"margin-bottom: 0in; line-height: normal; mso-layout-grid-align: none; text-autospace: none;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003e \u003c\/span\u003e\u003c\/p\u003e\n\u003cp style=\"margin-bottom: 0in; line-height: normal; mso-layout-grid-align: none; text-autospace: none;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003eFinancing Options for Restructuring Business Debt\u003c\/span\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli style=\"line-height: normal;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003eBusiness Term Loan\u003c\/span\u003e\u003c\/li\u003e\n\u003cli style=\"line-height: normal;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003eBusiness Line of Credit\u003c\/span\u003e\u003c\/li\u003e\n\u003cli style=\"line-height: normal;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003eSBA Loans\u003c\/span\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp style=\"margin-bottom: 0in; line-height: normal; mso-layout-grid-align: none; text-autospace: none;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003e \u003c\/span\u003e\u003c\/p\u003e\n\u003cp style=\"margin-bottom: 0in; line-height: normal; mso-layout-grid-align: none; text-autospace: none;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003eDebt-For-Equity Swap\u003c\/span\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli style=\"line-height: normal;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003eOccurs When Creditors Agree to Cancel a Portion, or All, of a Company’s Outstanding Debts in Exchange for Equity\u003c\/span\u003e\u003c\/li\u003e\n\u003cli style=\"line-height: normal;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003e\u003cspan style=\"mso-tab-count: 1;\"\u003e \u003c\/span\u003eUsually Preferred When Both Outstanding Debt and Company’s Assets Are Significant and Forcing Business to Cease Operations Would Be Counterproductive as Better as Ongoing Concern\u003c\/span\u003e\u003c\/li\u003e\n\u003cli style=\"line-height: normal;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003eExamples\u003c\/span\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp style=\"line-height: normal;\"\u003e \u003c\/p\u003e\n\u003cp style=\"line-height: normal;\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003e*This program does NOT qualify, nor meet the National Standard for NASBA accreditation. \u003c\/span\u003e\u003c\/p\u003e\n\u003cp style=\"margin-bottom: 0in; line-height: normal; mso-layout-grid-align: none; text-autospace: none;\" class=\"MsoNormal\"\u003e\u003cspan style=\"mso-bidi-font-family: 'MS Sans Serif'; mso-font-kerning: 0pt;\"\u003e \u003c\/span\u003e\u003c\/p\u003e","brand":"BankersHub","offers":[{"title":"Default Title","offer_id":46309837144239,"sku":"ODC1121252","price":299.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0646\/2894\/9167\/files\/RestructuringtheCommercialLoan.png?v=1763735198","url":"https:\/\/www.bankershub.com\/products\/restructuring-the-commercial-loan","provider":"BankersHub","version":"1.0","type":"link"}