Our Services
With a team of 45 professionals across 12 states, BY&S delivers innovative, data-driven solutions tailored to your portfolio needs. Leveraging deep industry expertise, advanced analytical capabilities, and a client-focused approach, we support a wide range of strategic credit and financial decisions. Each year, we complete over 500 engagements, including ABL due diligence field exams, quality of earnings reports, loan monitoring and servicing, workout services, and specialized consulting projects. Our custom reports provide clear analysis, actionable insights, and strategic recommendations to support well-informed credit decisions. At BY&S, we’ve built a dedicated, industry-leading team of professionals equipped to navigate the complexities of the ever-evolving credit landscape.
Healthcare ABL Due Diligence
With a team of over 35 professionals and a leadership group drawing on decades of shared experience in healthcare ABL, BY&S sets the standard for healthcare field examinations. We tailor each engagement to meet the unique needs of our clients, ensuring and effective approach. Clear, timely communication—before, during, and after fieldwork—is central to our process, keeping you informed of emerging credit concerns in real time. Our deep expertise in the healthcare industry offers valuable insight into its complexities and a nuanced understanding of sector-specific risks. More than just a collateral exam firm, we serve as a trusted extension of your team.
Traditional ABL Due Diligence
BY&S is a trusted partner in delivering comprehensive field examination services to commercial banks and finance companies. Our offerings include survey and recurring examinations, physical inventory counts, and specialized scope or workout services tailored to meet your specific requirements. With broad industry expertise spanning apparel and textiles, consumer and retail, construction, and more, we bring a approach to every engagement. At BY&S, we recognize the critical role that clear and consistent communication plays throughout the field examination process. We pride ourselves on our collaborative approach and operate as an extension of our clients’ teams, working closely to support their goals.
Monitoring Services
BY&S’ monitoring services are highly flexible, ranging from tracking a single data point or risk area to fully servicing a loan on behalf of our clients. We monitor key risk areas such as payroll and provider taxes, CMS surveys, lockbox activity, banking transactions, and more. Our team also prepares borrowing base calculations and conducts of borrower submissions. For borrowers with complex structures or multiple entities, BY&S adds value by efficiently processing large volumes of data and delivering customized monthly reports, dashboards, and visualizations that highlight the risks most relevant to our lending partners. Our ongoing monitoring services provide lenders with peace of mind, ensuring that critical issues are identified early and communicated promptly.
Quality of Earnings
These examinations give healthcare lenders and investors confidence that NOI materially reconciles to bank statement receipts and disbursements. This validation helps healthcare buyers, real estate lenders, and investors determine whether the reported earnings provide a reliable foundation for underwriting decisions. As part of our analysis, we present a pro forma EBITDA or EBITDAR that reflects our assessment of the target’s or borrower’s true economic earnings potential. Each engagement is tailored to meet the specific needs of our clients. Contact us today to learn how BY&S can support your underwriting and investment decisions.
Workout and Other Services
In an industry marked by constant change and uncertainty, some healthcare operators struggle to adapt, often resulting in lenders needing to restructure or exit certain transactions. BY&S brings senior-level experience and a broad range of resources to support clients in high-risk and workout situations. Whether it involves gathering critical information, managing a crisis, assisting with interim leadership, overseeing the orderly liquidation of collateral, or providing ongoing reporting and monitoring, BY&S helps you manage and mitigate risk throughout complex transactions. We also provide representation in bankruptcy proceedings and have served as expert witnesses in numerous bankruptcy hearings.
