When a borrower defaults and claims impecuniosity, or when the beneficial ownership behind a security package is unclear, the starting point is the same: establish the true picture. We locate assets, map ownership and support enforcement — quietly and to an evidentiary standard.
Lenders face a recurrent problem: the asset picture presented at origination — or pleaded at the point of default — does not always reflect reality. Security may be held through structures that obscure true ownership; a defaulting borrower may have moved value to connected parties in the period before the facility failed; assets may have been declared in one jurisdiction while substantial interests sit elsewhere. Umbragarde's asset tracing work for banks and lenders addresses each of these, combining open-source investigation, registry analysis and corporate intelligence to establish what is actually there and where it can be reached.
We take a confidential brief from legal counsel or a credit team and scope precisely to the question — pre-drawdown ownership verification, post-default asset location, or both. All work proceeds through open sources, company registries, property records and lawful corporate intelligence. Every material finding is corroborated before it reaches you. The output is a sourced, decision-ready report: structured for use by enforcement counsel and, where relevant, for presentation to a court. We never disclose a client or a matter.
Yes. We map beneficial ownership behind a proposed security package — identifying whether the declaring owner is the true beneficial owner, whether connected parties hold interests that could affect priority, and whether assets have encumbrances not apparent from face-value registry searches. This is conducted confidentially and is available to credit and legal teams before drawdown.
We begin with a structured open-source investigation of the borrower and connected entities, mapping property holdings, corporate interests, and assets held through nominees or family members. We then follow any transfer trail for assets moved in the period leading up to default. The output gives enforcement counsel a documented factual picture — not the borrower's own account.
One confidential message is enough. Tell us the matter — we scope it with you.
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