Intrum’s Post

Join us next Tuesday for an insightful webinar, "Intrum: Can’t Pay? Can Bondholders Take It Away?" Our senior analysts will offer expert insights into the abrupt appointment of refinancing advisors, as well as the financial and operational challenges faced by Intrum AB. We will discuss various scenarios and the potential treatment of different debt classes and maturities. Date: March 26th Time: 12:00 p.m. GMT 8:00 a.m. EDT Key Takeaways: - Intrum has appointed heavyweight advisors, why? - Thoughts around the spectrum of refinancing options available to Intrum (from soft to hard - How can bank debt holders protect their position and avoid collateral depletion? - Treatment of different maturity bond debt (short end vs. long end) in different scenarios - The role of the shareholders - Recovery rates and the outlook for Intrum’s business lines Register now to secure your spot! https://hubs.li/Q02qdFht0

How ECG is Supporting Startups and SMEs in Their Financial Journey 🚀 Credit Insurance 🛡️ ECG provides protection against non-payment risks, ensuring that businesses can extend safer credit terms to buyers. This shields businesses from potential financial losses due to unpaid invoices. Working Capital Guarantees 💼 ECG helps facilitate easier access to loans by offering working capital guarantees, which reduce the risk for lenders and provide businesses with better opportunities to secure financing. Pre- and Post-Shipment Financing 📦✈️ ECG improves cash flow for businesses by supporting financing needs both before and after shipments. This ensures that companies can maintain liquidity and grow their operations without facing financial constraints during critical periods. Enhanced Loan Terms 💰📉 ECG assists businesses in securing better loan conditions, such as lower interest rates, which help reduce financial burdens and make debt management more efficient. Connect with Us Today! 🌐 Visit www.enexperts.com or call 📞 +91-9319564627 to learn more. Let’s help you find the best refinancing options!

Explore how Capital One's potential acquisition of Discover Financial Services could revolutionize the US credit card landscape, creating an industry titan. #Finance #Acquisition #CreditCardIndustry #CapitalOne #Discover #bankingindustry #money #finance #fintech https://lnkd.in/eecY37rm

Intrum AB, the Swedish debt collector, faces a credit rating downgrade to BB- from BB by S&P Global Ratings following its recent asset sale to Cerberus Capital Management. The sale is seen as weakening leverage, impacting earnings, and potentially posing execution risks. Intrum aims to reduce its leverage ratio to 3.5x, but the current ratio is around 4.4x. CEO Andres Rubio emphasizes a commitment to profitability in 2024 and 2025. S&P's stable outlook expects the company to stabilize post-transaction, but potential downgrade factors include revenue decline and liquidity challenges in refinancing maturities through 2026. #Finance #CreditRating #IntrumAB

Growth of the private credit industry unpacked 💡 Citi will receive financing of $25bn over the coming years to invest in a rapidly growly private credit industry. The financing will be onwards lent as private equity. This includes corporate loans to low-rated US companies and buyouts. Business has previously been lost to asset managers to these riskier higher-yielding private credit investments. Now these private loan relationships are being reprioritised as an investment strategy by Citigroup. What is the market doing: 📈 Wells Fargo targeted a $5bn fund with Centerbridge Partners, L.P. 📈 JPMorganChase dedicated $10bn of its capital to hold these loans. 📈 Barclays & AGL Credit Management partners to provide private loans. What is private credit? Lenders work directly with borrowers to negotiate and originate privately held loans not traded in public markets. Generally, there are four types: ✨Direct Lending - credit to private, non-investment grade companies. ✨Mezzanine, Second Lien Debt & Preferred Equity - "junior capital" provide borrowers with subordinated debt and is not secured by assets. This capital can come with equity "kickers", incentives to support total returns. ✨Distressed Debt - companies in financial distress work with investors on operational turnarounds and balance sheet restructuring. High level of risk in exchange for lower prices and potentially higher returns. ✨Special Situations - variety on non-traditional corporate events requiring customization e.g. companies undergoing M&A transactions, divestitures and spinoffs, & other situations which would drive borrowing needs. What is next in terms of outlook? 🟢 Direct lending has yielded an average return of 11.6%, versus 5% for leveraged loans and 6.8% for high-yield bonds (data between Q1 2008 to Q3 2023). Further market growth expected as undeployed capital is utilised. 🟠 The industry has light regulation with potential to financial stability risks. No doubt more regulatory and supervisory regulation is expected, coupled with enhanced reporting requirements. Think your connections would like this post? I would love a repost. ♻️

‘This year, it is projected that 90% of North American growth corporates will continue accessing financing, with working capital loans, bank credit lines and corporate overdrafts being the primary external capital sources. Additionally, virtual cards are expected to witness increased use, with one-third of growth corporates planning to use them as their primary working capital solution.’ #virtualcards #workingcapitalmanagement

Debt collection campaigns can differ based on the industry or sector - however, these six KPIs will reveal important insights in any collections project. Check them out here: https://lnkd.in/d67m73UW #debtcollection #callcenter #contactcenter #callcenterkpis

🚫 DEBUNKING Commercial Debt Collection Myths! 🚫 Whether you're an Executive or Small Business Owner, #RAB understand the myths and misconceptions around debt collection. #RAB debunks FOUR common MYTHS and provides insight on how to navigate this critical aspect of business. 🌐 Discover more at www.rabtx.com. 💡 The Truth About Commercial Debt Collection: Myth 1: "Only for Large Corporations?" Fact: Small businesses benefit from professional debt collection services. Myth 2: "Hurts Customer Relationships?" Fact: Effective collection can strengthen relationships when handled professionally. Myth 3: "All Agencies are the Same..." Fact: Choose an agency that aligns with your values and industry. Myth 4: "Legal Action Is Always Necessary?" Fact: Legal action is a last resort; most cases can be resolved through negotiation. 📈 Strategies for Successful Debt Collection - Clear Payment Terms: Set transparent terms from the start to prevent disputes. - Timely Invoicing: Use automated systems for consistency and prompt payment. - Proactive Follow-Ups: Implement systematic processes for better collection rates. - Data-Driven Decisions: Use data to inform credit and debt collection strategies. - Professional Debt Collection: Enlist experts like RAB, Inc. for efficient resolution. Partner with RAB, Inc. to secure your financial future 🌐 Explore tailored debt collection services at www.rabtx.com. 📊 Stay updated on industry insights by following our LinkedIn page. ✉️ Contact our Sales Department at sales@rabtx.com for successful debt collection. Debunking myths allows you to approach debt collection confidently. RAB, Inc. is here to support your journey, ensuring you recover what's rightfully yours while maintaining positive client relationships. Don't let myths hold you back; secure your debt collection success today. 🌟 #DebtCollection #BusinessSuccess #FinancialFuture 

🚀 Communication and Transparency: Keys to Effective Debt Collection Happy Friday! Today, I'm going to share with you the essential elements of effective debt collection: communication and transparency. In the world of accounts receivable, these two factors play a pivotal role in building trust, fostering cooperation, and ultimately achieving successful outcomes. 💼💬 Clear and Open Communication Clear and open communication forms the foundation of any successful debt collection strategy. It's about more than just conveying information; it's about establishing a dialogue and fostering understanding with our customers. By keeping lines of communication open and accessible, we create an environment where customers feel valued and respected. Active Listening Effective communication goes hand in hand with active listening. It's not just about speaking; it's about truly hearing and understanding the concerns and perspectives of our customers. By listening attentively and empathetically, we demonstrate our commitment to addressing their needs and finding mutually beneficial solutions. Transparency Builds Trust Transparency is the cornerstone of trust in debt collection. It's about being honest, upfront, and forthright in our communications and actions. From clearly outlining debt terms and repayment options to providing regular updates on account status, transparency builds confidence and credibility, fostering a sense of trust and cooperation between the customers and the company. Empowering Customers Transparent communication empowers customers to make informed decisions about their financial obligations. By providing clear and accurate information about their debts, rights, and responsibilities, we enable them to take control of their financial situation and work towards resolution with confidence and clarity. The Power of Collaboration Communication and transparency also extend to collaboration within our own teams and with external partners. By fostering open communication channels and sharing information effectively, we ensure a coordinated and cohesive approach to debt collection, maximizing efficiency and effectiveness. Conclusion: Building Strong Relationships In conclusion, effective debt collection hinges on communication and transparency. By fostering clear and open communication, actively listening to our customers, and prioritizing transparency in our actions, we build strong relationships based on trust and cooperation. Together, we can navigate through challenges, find solutions, and achieve successful outcomes for all parties involved. 💡 Key Takeaway: Communication and transparency are the bedrock of effective debt collection. Share your thoughts on the importance of communication and transparency in debt collection in the comments below! Let's continue the conversation. 💬✨ #Communication #Transparency #DebtCollection

Timing is EVERYTHING when it comes to recapitalization opportunities. If your organization is considering a recap strategy and would like to discuss your options, Northwest Bank can help! There are many options when it comes to recapitalization routes which include senior or subordinated debt, equity investments, preferred equity, convertible securities and more. Message us to start a conversation. #recap #seniordebt #refinance