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Portfolio Of Disciplines

The professionals at the Luzimen Group specialize in structuring difficult funding requirements and providing assistance in re-structuring and negotiating commercial and business debt and other obligations. Based on years of experience, the professionals at The Luzimen Group can act as professional intermediaries for your business in the preparation, representation and structuring of the following:


Disciplines

Debt Obligations that are maturing

You may have a loan or other debt obligation that is coming due soon. Perhaps you have the funds to satisfy the debt and pay it off. Perhaps you have most, but not all of the required funds. Maybe you would like to extend all or a portion of that debt to allow some funds for expansion of your business or to retire more expensive debt obligations. There can be several options available to you if approached professionally and in a well reasoned and defensible manner. The presentation, background and analysis that are provided to your lender/creditor are of critical importance. A Third Party Intermediary can add valuable gravitas to such an approach. The professionals at Luzimen understand the myriad nuances that exist in such a negotiation in order to allow for the highest opportunity for success.

Real Estate Foreclosures

Of all challenges in the realm of distressed debt obligations, real estate foreclosures are the most difficult to negotiate. The reason is simple. The debt is secured by a note and mortgage on “Real Property”. The lender is usually well secured and while they may prefer not taking the collateral, they may have no alternative, or at least they may not think they have an alternative. A Luzimen professional, experienced in such transactions will analyze your unique situation and provide a proposed plan of action. Commercial Real Estate loan transactions are highly complex and require the correct approach in order to have the highest opportunity for a successful outcome. A sophisticated lender will normally welcome the opportunity to work with an experienced Third Party Intermediary who has a clear understanding of your unique situation.

Re-structuring debt outside of bankruptcy

Bankruptcy is an option. Many times it is the only option. But many business owners would prefer not to have to file for bankruptcy protection. It is the most intrusive and public of all actions a business owner can undergo. Your information, files, agreements and sometimes even personal information is all public record. For the right candidate, negotiating the Company’s debts and obligations outside of the bankruptcy court system can be a viable alternative. Because the Luzimen negotiator lacks the power of the federal court system, this particular Third Party Intermediary specializes in navigating the treacherous waters of multiple creditor types, senior and junior debt obligations, multiple collateral types, real estate and equipment leases, personal guarantees, business continuation plans (if any) and myriad other elements and moving parts in this kind of situation. Further, these settlements can be private and confidential maintaining and preserving a level of privacy and integrity.

Negotiation in adversarial situations

If you are in business, you are likely to be involved in one or more adversarial situations from time to time. It is almost inevitable in today’s litigious society. The timeliness and protocol that you employ will many times determine if you have a positive or a negative outcome. Business owners are proud, hardworking and intense individuals who have convictions about their business and practices. Unfortunately, this can be a breeding ground for disputes and can drag a company and its owners into a bottomless pit of expense, wasted time and damaged reputation. No one wants to feel defeated, but common sense should prevail. A Luzimen Third Party Intermediary can many times reach an acceptable solution for the simple reason that the opposing principals are not engaged directly in the negotiation. Further, such a settlement can be sealed by the parties such that the agreement is confidential and not of public record. Running your business should be your sole focus. Leave the unsavory elements such as adversarial situations, to your Luzimen intermediary.

Funding for Accounts Receivable and Purchase Orders

Most businesses fail to recognize that one of their most liquid assets is their accounts receivable. Many businesses cannot afford to wait the 30 to 45 days to receive payment on their invoices. Your accounts receivable may have virtually instant cash value. Having funds today can be far more valuable to a business than waiting 30 to 45 days for payment. For instance, you may need to pay a tax bill that if paid late will cost you a serious fine and penalty, or you might be able to take advantage of a closeout sale on inventory that would greatly benefit your business, if you had the money today and not in 30 to 45 days. A Luzimen professional can assist you in assembling the necessary documentation for analysis and presentation to a funder of accounts receivable. Many times we can also assist in securing funding for purchase orders and similar performance contracts if the resulting invoice can be utilized in the transaction.

FINANCIAL PRO FORMA REVIEW AND FEASIBILITY

Business plans and financial projections are often confusing and difficult to read and comprehend. Some financial pro formas are cursory and others are highly detailed. The challenge is to determine if they are accurate, and based upon defensible assumptions and data. Someone has to “drill down” into the details to check these components. If you are utilizing these reports and projections to make financial decisions such as for loans, investment, purchase, divestiture, development etc. you should have the benefit of the information that supports (or doesn’t support) the projections and pro formas. While no one can make your final decisions for you, having an extra set of eyes on the details can be of valuable assistance to you. A Luzimen professional can assist you to translate the data and assist in determining its feasibility as to whether or not to move forward with a project.

TAX DISPUTES

No one wants to deal with powerful taxing authorities. It can be intimidating, frightening and threatening. The subtleties and nuances of interacting with such entities must be understood in order to have positive outcomes. What approach should I take? Should I make an offer? How much should I tell them? Am I in trouble? These questions can hound you and cause you undue stress. A qualified Luzimen agent working on your behalf can replace the aggravation and turmoil associated with dealing with taxing authority agents. Further, we are compensated only if we are successful. With nothing to lose, ask a Luzimen professional to analyze your unique situation and assist in preparing and implementing a plan of action to resolve your tax issue. In confidence.

Debt Obligations that are past due

If your loan or other debt obligation is already past due, the rules and code of conduct will have changed rapidly. Unless you have defaulted purposely, there is some other underlying reason or cause for your default. The extent of the default may govern the effectiveness of your communication with your creditor. By now your relationship with your creditor may have become aggressive and adversarial. Communications have broken down and are ineffective. A Luzimen professional will conduct an analysis to determine the best and most effective course of action. This communication with your lender by our Third Party Intermediary can greatly enhance the opportunity for a successful result. There are many elements in such an adversarial situation that must be addressed.  Our goal is to negotiate a settlement that is satisfactory to you and that remains confidential and outside of the legal and court system.

Commercial Business debt

Commercial business debt is any debt or obligation that is owed by your business to another party. It can include accounts payable, a bank loan, a loan from a private party or some other form of obligation or guaranty. Sometimes this debt is secured by collateral and sometimes it is unsecured. The professionals at Luzimen understand the nuances of such debt and are experienced in its many forms, terms and conditions, collateral issues, personal guarantees, the Uniform Commercial Code, landlord’s rights etc. As you can see there are many elements to consider. Working knowledge of each of these elements is critical in the negotiation of settlements regarding this type of debt. An incorrect or poorly timed move on the part of an inexperienced person can cause serious long term damage to your business, its image and the reputation of the principals. It is not worth taking the chance. A Third Party Intermediary is the right person for this job.

Re-structuring of Leases

There are various forms of leases. Most prominent among them are real estate leases and equipment leases. Real estate leases include ground leases and building leases. They can include options to purchase, obligations to purchase, rights of first refusal, continuing guarantees and other terms and conditions. Equipment leases also have terms and conditions such as buy out agreements, extension agreements, fair market value and other vital terms and conditions. Each is specific in its application and enforcement. Leasing companies and real estate owners are usually highly skilled and experienced in the form, function and operation of a lease agreement. For this reason, and due to the inherent complexity of lease terms and conditions, a trained Luzimen professional is well suited to analyze your unique situation and recommend a path of action that can yield the best outcome for your business. Our team can analyze your situation, recommend a plan of action and provide a background report and presentation or proposal for settlement or re-structuring of your lease.

Securing new financing

Luzimen can assist you in:

  • Financing for a new real estate acquisition
  • Refinance of owned real estate
  • Commercial business loans
  • Accounts receivable financing or sale
  • Equipment financing
  • Leases
  • Hard money loans
  • Bridge financing
  • Purchase order finance

Due Diligence in Acquisitions

Buying a business is a landmark event in your career and for your portfolio. Selling a business is a similar event. Both are emotional and difficult. Making the right decision hangs in the balance. While no one can guarantee success in a transaction, having the information at your disposal can have a profound impact on your decisions. Discernment through appropriate study and preparation is in order. Having navigated numerous acquisitions and divestitures, the professionals at Luzimen can assist you in the assemblage and analysis of the documentation necessary for you to make an informed, prudent and defensible decision. As always, all transactions and engagements are confidential in order to protect your proprietary information. This extra set of eyes and ears on the subject transaction can yield valuable benefits both when buying and selling a business.

Tribal 8-A Partnering

There is 8-A status and then there is Tribal 8-A status. There are many designations that carry weight in the business world, but at the top of that list of importance when partnering, is the Tribal 8-A designation. A Tribal 8-A partner can bring valuable benefits by attracting Government and Corporate buyers and Contractors due to this status. Whether your business is in the construction industry or financial services, a Tribal 8-A partner can be the key to securing those hard to get contracts for products goods and services. Luzimen has direct relationships with high quality, discerning Tribal 8-A participants. If the transaction makes sense, it is likely that if packaged and presented properly, the appropriate Tribal 8-A partner can be secured.

RECIPROCAL TRADE EXCHANGES

How many people know the term “Non Performing Asset?” This is a term and principle with which you must become familiar. What is an example of a Non Performing Asset?

  • An empty airline seat;
  • a vacant hotel room;
  • inventory that has been idle for an excessive period;
  • radio and TV time that is unsold by airtime;
  • vacant land;
  • unrented office space;
  • unutilized labor pool;
  • furniture, fixtures and equipment in storage;
  • your own time and specialty (especially if licensed)

In some cases, the passage of time renders an asset useless such as in the case of an empty airline seat once the plane departs or hotel room that goes unsold and unoccupied. Others are simply wasting away as time passes. A Reciprocal Trade Exchange harvests the value of such an asset by exchanging it for something you need or can use. Vacant hotel rooms can be exchanged for advertising or food credits at a restaurant which can then be used to build packages for potential hotel guests. Vacant office space can be exchanged for accounting services or architectural services. Advertising space can be exchanged for a cruise. The list is endless. However, it is time consuming and requires special skills. A Luzimen professional who is highly skilled in this specialty discipline can assist you in determining the extent and value of your nonperforming assets. This same professional can develop and implement a Reciprocal Trade Exchange plan to harvest the value in these non performing assets.