No bank lends on trust alone — it lends against the value of collateral. Loans are secured by existing or newly acquired assets, and one of the first tasks facing borrower and lender alike is determining the market value of the asset pledged. The loan amount is set on the basis of that market value.
The Kanzas company values assets for lending by banks and financial institutions. 20+ years of experience.
Valuer, bank and borrower: three parties to one valuation
Three parties take part in a collateral valuation: the valuer, the bank and the borrower. The bank needs to know the real value and price its risk correctly; the borrower wants the maximum credit limit. The valuer acts as a kind of arbiter between lender and borrower — an independent figure both sides can accept, because it is grounded in the market.
When a lending valuation is needed
Signing a loan agreement; extending a loan agreement; revaluing the collateral; debt recovery.
What we value as collateral
Commercial and residential real estate, land, equipment and vehicles, goods in circulation, property complexes — any asset a bank is prepared to treat as security.
Approaches: what borrowers should know
For lending purposes the market (comparative) approach is taken as the basis. Where it cannot be applied, that is itself a warning sign for the bank: such collateral is hard to sell. The income approach is mostly used as an illustrative cross-check of the value obtained by comparison.
At the bank's request, the report may also state the collateral's liquidation value and its likely exposure period — letting the bank judge the asset's liquidity, price and time to sell. Liquidation value is the price at which the collateral can be sold quickly when cash is needed urgently; it is normally below market value, since a rapid, even forced, sale is assumed. It reduces the bank's uncertainty: the bank knows the minimum it would recover in an emergency sale.
Our specialists pay particular attention to the careful identification of the subject asset — studying the asset itself, its economic environment and its value drivers in depth.
Track record: from future harvests to steel plants
For bank lending we have valued major steel plants — including for syndicated lending by several banks, with amounts running into hundreds of millions of US dollars. Our collateral valuations cover large Ukrainian enterprises across industries — agriculture, chemicals, mining, power generation, machine building, oil — as well as major logistics complexes, office centres, and shopping and entertainment centres.
We also handle unconventional collateral: we once valued a future harvest to support lending to one of the most advanced farming enterprises in the Kyiv region — giving the bank a substantiated value for an asset that did not yet physically exist.
We offer reports that banks accept, timelines aligned with your credit schedule and an individual approach to every borrower. Write to us by email or messenger — we will discuss your collateral.
Periodic revaluation of collateral already held by a bank is a separate service: bank collateral portfolio revaluation.
FAQ
Will the bank accept your valuation? Yes — reports are prepared under Ukrainian Law No. 2658-III and the national valuation standards.
Why state a liquidation value in the report? It shows the bank how much, and how fast, the collateral can realistically fetch.
What if the bank requires "its own" valuer? Many banks maintain partner lists — we will confirm our status with your institution.
