Solutions for Lenders
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"Neither a borrower or lender be."
-Ben
Franklin |
Great advice. Good thing he wasn't born in the 20th Century, the era of
leverage. The reality is that appropriate leverage is central to lifting the
globe's living standards. The critical operative is appropriate.
Now that we as an economy have obliterated appropriateness, the issue is how to
restore integrity and predictability to the system. De-leveraging alone won't do
it. It must be coupled with detailed plans for execution and include both sides
of the leverage equation: reduction in debt AND increasing the equity.
That is the unique Dartmouth Associates solution. The breadth of
experience to identify operating issues and implement solutions coupled with
collaborative actions to reduce debt, inject capital and thereby stabilize the
borrower.
The complexities of modern lending, the unintended consequences of
globalization, earnings and budgetary pressures have all linked to create the
lender's perfect storm. Dartmouth Associates fully appreciates these
challenges and the evolving lending environment.
Our focus is to bring to the case:
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The experience and capital to convert the unacceptable prospect to a valued
customer relationship; or,
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Collaboratively develop the management and capital solution to mitigate
extreme instability or potential loss.
With all due respect to Dr. Franklin, we view the lenders as a primary
stakeholder, essential to the success of the modern business enterprise. It is a
core objective of Dartmouth Associates to insure that any go forward plan
meets the lender's objective to employ capital prudently.