Borrower Negotiation
We lead or support borrower negotiations, aligning financial reality with lender priorities through revised terms, payment plans, and security enhancements, all while preserving relationships and minimizing legal exposure.
Transform Special Assets with Lattice
We help lenders, banks, and credit funds resolve underperforming loans and special assets. From early warning signs to full workouts, Lattice delivers clear, practical strategies that protect value, manage risk, and preserve relationships.
- Early → Workout
- Full distressed-credit lifecycle
- Discreet
- Independent, reputation-aware
- Scalable
- Capacity when you need it
Built for the institutions that hold the credit
Commercial BanksPrivate Credit FundsCommunity & Regional LendersSpecialty FinanceCredit Unions
What we do
Services
From the first warning sign to a full workout, Lattice brings the specialized capacity and judgment that complex credits demand.
Collateral Recovery
We evaluate collateral value and enforceability, then execute recovery strategies through asset sales, UCC processes, or negotiated exits, always with an eye toward speed, fairness, and net return.
Asset Oversight
We provide direct oversight of special assets, offering interim leadership, ongoing file management, and strategic guidance to resolve challenging credits while extending capacity for overburdened internal teams.
Workout Strategy
We craft tailored plans to restructure underperforming loans, combining credit insight, collateral positioning, and recovery scenarios to protect principal and recover value across commercial, CRE, and borrower-backed portfolios.
File Review
We review credit files, legal documents, and term sheets to ensure structure, enforceability, and regulatory alignment, supporting internal decisions, preparing for audits, and documenting the case for potential litigation.
Risk Triage
We rapidly assess portfolios to flag emerging credit risks, segment troubled loans by urgency and recoverability, and build a prioritized roadmap to guide internal resources and optimize workout outcomes.
Lender Coordination
We facilitate communication and decision-making across participants in multi-lender deals, helping resolve conflicts, clarify rights, and maintain alignment to improve recovery while avoiding unnecessary litigation.
How we engage
Working with Us
A clear path from the first signal to a resolved credit, measured, discreet, and aligned to your priorities at every step.
- 01
Detect
Missed payments, covenant breaches, borrower silence, or declining collateral values are early indicators a loan may be headed for distress. Lattice helps lenders recognize these signals before value erodes or regulatory scrutiny increases. We bring pattern recognition and structured triage to make early intervention possible.
- 02
Evaluate
Not every institution has the resources or specialized experience to manage complex workouts. Lattice fills critical gaps, whether in bandwidth, expertise, or independence, without displacing internal teams. Our support is scalable, discreet, and built to complement your credit culture and risk framework.
- 03
Align
Whether your goal is to recover principal, preserve a client relationship, or exit cleanly, Lattice works to clarify intent across leadership, credit, and special assets teams. We align strategy with risk appetite, capital goals, and reputational considerations, so everyone moves in the same direction from day one.
- 04
Execute
Lattice delivers a focused action plan grounded in real-world credit dynamics: triage, restructure, or exit. We guide execution with urgency, clarity, and discipline, helping lenders take control of the process and minimize further deterioration. When engagement makes sense, Lattice mobilizes fast and moves with precision.
Questions? Contact us
Schedule a Strategy Session
Whether you are seeing the first warning signs or already deep in a workout, a short conversation is the best place to start. Email us a few details about what you are facing and we will be in touch.