THE FINANCING QUESTION
When this becomes relevant.
Start with the business circumstance, rather than choosing a product in advance.
- Cash flow is compressed by multiple payment obligations.
- A company cannot refinance until financial or documentation weaknesses are addressed.
- Management needs to understand whether debt pressure reflects timing, structure or operating losses.
- A business has a credible recovery case but needs an organized financial plan.
THE ASSESSMENT
What we examine.
These considerations shape the financing discussion and the information required for a meaningful review.
| Review area | What matters |
|---|---|
| Operating viability | Current trading, margins, customer retention, essential expenditure and management capacity. |
| Liquidity position | Cash runway, collection timing, creditor payments and immediate operating priorities. |
| Recovery sequence | Readiness work, creditor strategy, asset actions and potential replacement financing. |
THE STRUCTURING PERSPECTIVE
A plan that fits the situation.
The objective is not to replace one problem with another expensive facility. We identify what needs to be stabilized, what can be documented and which obligations require specialist attention. A recovery case should explain how the business becomes able to meet its obligations.
TRANSACTION READINESS
What to prepare.
Begin with a concise overview. Detailed and sensitive records follow through an agreed delivery method.
- Current financial statements and a short-term cash forecast.
- Full debt and payment schedule, overdue obligations and available creditor correspondence.
- Management’s operating plan, proposed changes and the information supporting viability.
The document list is indicative. The agreed service role, lender requirements and transaction circumstances determine the final package.