Commercial Loan Workouts & Restructuring

Bricker Graydon Wyatt helps financial institutions and lenders navigate the financial, legal, and operational complexities of out‑of‑court loan workouts. Recognizing the economic and strategic advantages that negotiated solutions often provide over foreclosure or litigation, our attorneys guide clients through every stage of restructuring discussions, from initial borrower communication to final resolution.

Our team focuses on creating, practical resolutions that preserve collateral value, minimize risk, and provide clients with cost effective results. We work closely with lenders to modify lending relationships, negotiate repayment structures, and resolve loan defaults through flexible, business‑focused solutions tailored to each borrower and industry.

Services Provided

• Structuring and negotiating loan workouts
• Loan covenant waivers
• Forbearance agreements
• Loan modifications
• Collateral surrender strategies
• Collateral liquidation
• Deeds in lieu of foreclosure
• SBA loan workouts
• Settlement negotiations
• Loan document and collateral analysis
• Development of restructuring frameworks
• Negotiation of revised terms and covenants
• Coordination with borrowers and guarantors
• Drafting restructuring agreements
• Tailored out‑of‑court restructuring strategies

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