Financial Institutions

The Financial Institutions Group

The Financial Institutions Group (FIG) at LCG is a team of dedicated professionals with expertise in specialty finance. Our team conducts hundreds of transaction advisory and due diligence engagements on financial institutions each year with two distinct verticals: the Consumer Finance vertical and the Commercial Finance vertical. With our in-depth understanding of the industry, we are well-positioned to provide specialized and effective support to our clients.

Consumer Finance

The Consumer Finance vertical focuses on subject companies and portfolios which lend primarily to consumers.

Example sectors include:

Auto Loans & Leases
Debt Purchasing
Tax Lien Investing
Debt Settlement
Lease-to-Own
Buy Now Pay Later
Debt Consolidation Loans
Auto & Home Warranties
Plaintiff Advance
Unsecured Lending

Commercial Finance

The Commercial Finance vertical focuses on subject companies which lend primarily to businesses and for business purposes. Example sectors include:

Factoring
Equipment Leasing
Asset-Based Lending
Merchant Cash Advance
Floorplan Lending
Hard Money Lending
Medical Lien Receivables
USDA Lending
SBA Lending
Purchase Order Lending

As professionals with an in-depth understanding of the unique challenges faced by financial institutions, LCG is able to provide specialized due diligence services and support in accessing the capital markets. Our expertise in the operations of these organizations allows us to deliver tailored solutions to meet client needs.

At LCG, our transaction advisory and due diligence engagements are comprehensive, covering key areas such as credit file and underwriting testing, incoming and outgoing cash testing, delinquency and write-off testing, and portfolio statistical analysis. We also record accounting and operational policies and procedures, as well as conduct collateral availability and covenant compliance analysis for lenders. Our aim is to provide a thorough and holistic assessment of the organization.

We understand each of our clients’ needs differ and we will work with your firm to generate a scope of work – however extensive or limited – which covers all areas desired to successfully execute your transaction with confidence.