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CRISIS AND INSOLVENCY

Special situation financing

Expertise and bespoke solutions to support the restructuring and recovery of financially distressed businesses.

At your side when it matters most

Thanks to the in-depth specialisation of our team and the presence of professionals with extensive experience in corporate restructuring, the Special Situations division is able to design and implement practical, tailor-made solutions. Our goal is twofold: on the one hand, to support small and medium-sized enterprises experiencing phases of reversible crisis in restoring operational balance and relaunching their business; on the other, to act effectively in complex acquisition transactions, where technical expertise and strategic vision are essential.

We recognise how important it is to rely on a banking partner who has an in-depth understanding of regulations and processes, while being proactive in developing effective, tailored solutions. For this reason, we adopt an approach founded on direct engagement and the synergy of legal and financial expertise.

Our methodology includes an in-depth financial analysis, the development of a customised business plan, and the provision of tailored financial products designed to help companies overcome temporary difficulties.

Special situation financing

We step in where traditional banks cannot. The Lending Division of Guber Banca is dedicated to providing structured financing solutions to small and medium-sized enterprises facing temporary financial or balance sheet imbalances. We provide tangible support for extraordinary transactions, including corporate restructurings, industrial turnaround projects and urgent liquidity requirements.

Our special situations financing solutions stand out for:

    • Flexible structure: tailor-made solutions (bullet, amortising, or disbursements based on work progress);
    • Predominantly real-estate collateral with a loan-to-value (LTV) ratio of around 50%;
    • Terms of up to five years, with the possibility of customisation;
    • A swift and transparent process, supported by an in-house legal and credit team.

Discover our other Special Situations services

Tax Credits

Drawing on our experience with SMEs, we acquire your company’s receivables to improve liquidity, while carefully assessing your needs and guiding you step by step through the receivables sale process.

Acquisition and management of NPEs? We are the partner you have been looking for.
FURTHER INFORMATION

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