Services

Consulting Services

Consulting services will range from a simple review of loans, merger and acquisition integration, loan workouts, commercial lending analysis, profitability improvement to working with the Board of Directors to manage the complexities of a bank that is severely undercapitalized or is under a Cease and Desist order. The divestiture of subsidiaries may be a key component of the consulting services.

As part of the consulting services, this firm will attempt to find equity capital for the troubled institution with private equity funds for a success fee. The FDIC has eased the rules for private equity to invest in banks.

Another revenue generator is to sell off troubled asset portfolios to investors in order to reduce loan losses.

Some of our clients use us to do loan workouts, so their loans go from NPA to performing.

Specific Consulting Services Deliverables

Assessment of Management and Board Composition
Evaluating the Assets
Loan Workouts and Selling Portfolios of Loans
Liquidity Analysis
Profit Plan Improvement
Develop a Strategic Plan
Develop Investor Presentation
Develop a Compliance Schedule
Guide the Board of Directors Through the Government Process

Capital Raising
The right capital structure and the right sources of capital can make all the difference between success and failure. Developing a capital structure that makes sense is key. How much equity do you need? How much debt can your company carry? Can you service the interest cost? What is the nature of your cash flow: smooth and predictable or seasonal and lumpy? Like a good suit, your capital structure needs to fit your needs. The CoTo Capital Management team has helped countless companies navigate the capital markets as they seek to assure their growth and optimize their value. We have access to an extensive network of venture funds, private equity groups, foundations, family offices and hedge funds that can provide capital you need to achieve optimal growth with the least dilution.

You can trust CoTo Capital Management team can help you determine which capital sources can best meet your company’s needs by bringing you operational benefits and greater credibility in addition to capital.