THE FINANCING QUESTION
When this becomes relevant.
Start with the business circumstance, rather than choosing a product in advance.
- Debt maturities exceed the company’s current refinancing capacity.
- Covenant pressure, amendments or forbearance discussions require a documented proposal.
- Multiple facilities create competing liens, guarantees and payment demands.
- High-cost debt or stacked MCA obligations are restricting operating cash flow.
THE ASSESSMENT
What we examine.
These considerations shape the financing discussion and the information required for a meaningful review.
| Review area | What matters |
|---|---|
| Debt map | Balances, rates, daily or monthly payments, maturities, collateral and personal guarantees. |
| Creditor posture | Current status, notices, arrears, amendments, litigation and the relevant response deadlines. |
| Viable options | Repayment capacity, potential modifications, asset proceeds and financing alternatives. |
THE STRUCTURING PERSPECTIVE
A plan that fits the situation.
Existing bank and SBA debt, equipment loans, asset-based facilities, factoring, vendor debt, business cards and high-cost commercial obligations may call for different treatments. Financial preparation can sit with VCP; creditor negotiations and legal remedies must be assigned to properly qualified professionals where required. No debt reduction, payment relief or legal outcome is guaranteed.
TRANSACTION READINESS
What to prepare.
Begin with a concise overview. Detailed and sensitive records follow through an agreed delivery method.
- Debt contracts, statements, payoff information and a complete payment schedule.
- Recent financial reporting, bank statements and a cash-flow forecast.
- Default, collection, litigation or lender notices and any existing settlement or amendment documents.
The document list is indicative. The agreed service role, lender requirements and transaction circumstances determine the final package.