Imminent Bank Demand Avoided

Nº 016

Financing Breakdown

Risks

Without financing, the company was days from closure, terminating all employees, and insolvency proceedings risking owners’ personal assets.

Scenario

Turnaround

Industry |

Construction

Key Challenges

O&G exposure and construction

Rising CRA balances

Project-based forecasting risk

Loan Type

Factoring

Outcomes

Business Saved

Bank’s demand threat required immediate, creative solution to save company and jobs.

Liabilities Reduced

New loan repaid operating lender and lowered CRA balances, easing daily pressure.

Execution Improved

Fractional CFO streamlined operations, ensured timely CRA payments, and restructured select divisions.

Lender Type

Private Credit

Bank

Result |

Liquidity Stabilized

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Overview

Imminent Bank Demand Avoided

The bank was days from enforcing when the company asked Diamond Willow to steady cash and keep jobs intact.

The borrower is a Grande Prairie contractor with three decades in pipeline and facility construction and maintenance across Western Canada. From fabrication and integrity services to structural steel, trucking, and logistics, their team delivers turnkey work and partners closely with local communities and First Nations.

Rapid growth hid margin leak and tripped covenants, putting enforcement days away. The company asked Diamond Willow to find a new lender and protect jobs. We immediately went to market while bringing in other advisors to restructure operations.

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The Challenges

Dual exposure to oil and gas and construction complicated working capital solutions.
CRA balances outstanding and trending up.
Project-based revenue made forecasting difficult.

Risk Mitigants

Material cost reductions executed.
New project management software improved pricing and margins.
Strategic sales hires to diversify the client base.

The Outcome

With a shutdown looming, the business needed a quick reset. The factoring line paid off the bank, eased CRA pressure, and kept projects moving. New tools and targeted sales helped shift the focus to more profitable work.

$3.5M

‍factoring facility executed.

100%

operating lender payout.

1 fractional

CFO firm engaged.

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