Debt restructuring before cash decides for you
We put the debt in order, build a credible viability plan and negotiate with lenders, tax authorities and vendors while you keep running the business.
We put the debt in order, build a credible viability plan and negotiate with lenders, tax authorities and vendors while you keep running the business.
First we stabilize cash, then we negotiate. The order matters, because without a viability plan nobody sits down at the table.
An inventory of all debt, maturities, collateral and personal guarantees, plus a weekly cash forecast so you know how much room you really have.
A plan with operating measures, a payment calendar and projections creditors can believe, because it is built on data rather than hope.
Refinancing, payment holidays, longer terms, loan modifications and forbearance agreements, coordinated across lenders so they decide together instead of one at a time.
We help you prepare installment agreements with the IRS or state agencies, with the documentation each one requires, together with your CPA.
We design realistic payment schedules, prioritize critical suppliers and manage communication so operations keep moving.
If the situation calls for it, we prepare the financial side of an out-of-court workout or a court-supervised restructuring, working with your bankruptcy counsel.
Companies with a viable business that carry debt no longer matched to their cash: loans stacked up after bad years, concentrated maturities, personal guarantees that keep the owner awake, or a strained relationship with one lender.
Also companies already behind with the IRS or with vendors that need to get the situation under control before credit dries up. If the business is not viable, we will tell you early and plainly.
The earlier you start, the more options you have. Waiting removes them.
Fast in the first weeks, because cash does not wait, and methodical afterwards, because creditors want consistency.
Tools that serve both to negotiate and to run the company through the restructuring.
When you can see that you will not be able to meet maturities in the coming months, or when you have already started paying vendors or taxes late to cover loan payments. The earlier you act, the more options exist: with time you negotiate; without it, you accept whatever is offered.
Yes, if they see a credible plan and a management team that controls cash. Lenders would rather be paid later than write off a loan. What they will not accept is improvisation: arriving without forecasts, without a debt inventory, without concrete measures. Our job is to get you to that meeting prepared and speaking their language.
We are not attorneys, and a court filing is a legal decision you make with bankruptcy counsel. What we do is the financial work those proceedings require: the cash forecast, the viability plan, creditor schedules and the numbers behind any proposal. In most SME cases an out-of-court workout resolves the situation before a filing is needed.
Yes, and you should. We take over cash control, plan preparation and the negotiations so you can focus on customers, team and operations. We keep you informed at every step and the important decisions remain yours. If personal guarantees are at stake, we address them with your attorney from day one.
Tell us your situation in confidence. In a first call we will tell you whether there is room to maneuver, where to start and what documents we need.