Technically speaking, practically any loan arrangement can enter into a commercial loan workout proceeding. If your lender is a part of a big box banking conglomerate, there are ways to initiate these proceedings without having to go through the painful trial and error of cold calling through the various departments of the huge organization that these bigger banks usually take up. You could spend days, literally being transferred from one department to another, getting stuck on hold. And why? Well, to big banks, these are necessarily bread and butter procedures. A commercial loan workout has a very narrow set of parameters, and there are either only two options, both of which pretty much only a branch manager can help you with at the branch, retail level. The first option of course is to travel the established venues and routes that are delineated in the contractual language of the loan arrangement.