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Loan Workout
Maturity default, restructuring scenarios, deed-in-lieu vs. modification — modeled clearly.
The loan is underwater or maturing into a hostile rate environment. Your team scrambles to model restructuring options — extension, modification, deed-in-lieu, discounted payoff — each in a separate spreadsheet with different assumptions. The lender wants a proposal by Friday, and nobody agrees on the recovery numbers.
Upload the loan documents, property financials, and appraisal into the Data Room. Apers models every workout path on the same basis — borrower recovery, lender loss, legal costs, and timeline. Run borrower and lender perspectives in separate sub-chats, then export findings into one comparison. Save the analysis to your Library for the negotiation.
From Distress to Resolution
Upload loan and property data
Drop the loan agreement, current financials, and any appraisals into the Data Room. Apers extracts maturity date, current balance, rate terms, and covenant status.
Apers models workout paths
Extension, modification, deed-in-lieu, and discounted payoff — each scenario modeled with consistent assumptions for both borrower and lender outcomes.
Compare recovery and cost
Recovery rates, legal costs, equity retention, and lender losses side by side. The highlighted recommendation reflects the best risk-adjusted outcome.
Export for negotiation
Download the comparison to Google Sheets, generate a borrower proposal, or save to your Library as the basis for lender discussions.
Every Option on the Table
Loan extension, rate modification, principal reduction, deed-in-lieu, discounted payoff — each scenario modeled with consistent assumptions and comparable outputs.
Lender & Borrower Views
Both sides of the workout modeled simultaneously. What the lender recovers, what the borrower retains — the basis for a negotiation, not a guess.
Maturity Analysis
Months to maturity, rate reset exposure, refinancing feasibility — the timeline that drives urgency and determines which workout path is viable.
Dual-Perspective Sub-Chats
Model the borrower position in one sub-chat and the lender position in another — each with full Data Room access. Export findings between threads to build the negotiation strategy.
Approval Workflow
Before Apers writes any restructuring recommendation, it shows its assumptions and reasoning. Approve each step, or switch to Fast Mode when the approach is clear.
Models
Frequently Asked Questions
What workout scenarios can Apers model?
Apers models extension, modification, deed-in-lieu, discounted payoff, and other restructuring paths. Each scenario is evaluated on the same basis — borrower recovery, lender loss, legal costs, and timeline — so you can compare options clearly.
Can Apers model both borrower and lender perspectives?
Yes. Run each perspective in a separate sub-chat with the same property data. Apers calculates recovery rates, equity exposure, and loss severity from each side. Export findings into one comparison for negotiation preparation.
What documents do I need for a loan workout analysis?
Upload the loan documents, property financials, and most recent appraisal to the Data Room. You can also include any correspondence with the lender. The UDPE engine reads scanned PDFs, native spreadsheets, and other common formats.
How does Apers handle maturity default scenarios?
Apers models the gap between the current loan balance and refinancing capacity at today's rates. It calculates the equity infusion needed for each restructuring path and shows the timeline to resolution, so you can assess whether extension, modification, or exit is the better strategy.