Navigating Loan Denials: A Win-Win Solution for Bankers and Clients
Fact: As a commercial or ABL lender, your mission is to support high-growth businesses with tailored financing solutions.
But what happens when a client doesn’t land inside your bank’s credit box?
Do you let a valuable relationship drift away—or step up as a trusted advisor by offering an alternative solution?
Why It Matters
Declining a client without providing the right alternative can harm your reputation.
👉85% of business owners who were denied loans without options lose trust in their lender and are likely to seek competitors for future financing, according to Deloitte.
Don’t risk losing valuable clients. Position yourself as the lender who always finds a way forward.
Green Zone Capital Advisors:
Your Trusted Partner for Non-Bankable Clients
At Green Zone Capital Advisors, we’ve been in your shoes. As former commercial and ABL lenders, we understand the tough conversations that come with commercial loan denials. That’s why we specialize in helping businesses that fall outside traditional credit parameters—ensuring they eventually return to your bank as stronger, more bankable clients.
We’re here to make you look good while preserving client relationships.
Signs a Client Needs Green Zone’s Expertise
Here are the top referral indicators that a business could benefit from our solutions:
Cash Flow Challenges: Positive EBITDA but failing to meet cash flow coverage ratios.
High Leverage: Debt-to-equity ratios above acceptable thresholds.
Liquidity Concerns: Insufficient working capital or delays in interim financial reporting.Industry Misalignment: Borrowers in industries outside your bank’s focus or facing unique market pressures.
Weakened Financial Strength: Declines in profitability or covenant compliance issues.
How We Help Your Clients
Our process is designed to identify and help resolve financial roadblocks to position businesses for success—while keeping you, the lender, in the loop.
Comprehensive Financial Review:
We dive deep into cash flow, balance sheets, and collateral to identify the root causes of loan denials.Customized Solutions:
We structure financing that aligns with the client’s goals and prepares them to meet bank lending standards.Access to Alternative Capital:
With a network of hundreds of lenders and private market financing sources, we ensure the right capital fit for your client.Path Back to Your Bank:
Our ultimate goal is to return the client to your institution as a qualified borrower, strengthening your loan portfolio.
When to Refer Clients to Green Zone
Think about your portfolio or your loan pipeline. Do you have clients in these scenarios?
Requesting a credit line increase but ineligible due to leverage or cash flow concerns.
CFOs overwhelmed by operational demands or struggling with financial reporting.
Borrower’s in niche industries requiring specialized financing expertise.
Don’t let these businesses fall through the cracks. Referring them to Green Zone ensures they’ll get the help they need—while you retain their trust and future business.
Why Partnering with Green Zone Benefits You
Referring clients to Green Zone Capital Advisors does more than solve immediate problems. It:
Strengthens Client Loyalty: Clients see you as a long-term problem solver.
Boosts Your Reputation: Position yourself as a proactive, innovative banker who always finds solutions.
Protects Your Relationships: Avoid losing clients to competitors by offering a forward path.
One Click to Better Client Relationships
Referring clients to Green Zone is simple, fast, and secure.
Click here to start our easy referral process and learn how we help your clients—and you—succeed.
