Restructuring Advisory for Mid-Market Businesses

Designing and embedding an operational, dynamic weekly cash model that tracks incoming receipts and outgoing commitments with daily accuracy. This provides management, boards, and lenders with a verified single source of truth to make confident operational decisions, forecast liquidity pinches in advance, and demonstrate fiscal discipline to external stakeholders.

Finding and releasing trapped liquidity from internal balance sheet items before seeking expensive external capital. We examine overdue sales ledgers to accelerate debtor collections, optimize inventory holdings to reduce storage carrying costs, and re-structure vendor payment cycles to normalize commercial cash flow.

Evaluating overheads, operational footprints, and vendor contracts to separate non-essential expenses from core revenue generators. This ensures necessary spending cuts provide immediate, permanent margin relief without disrupting customer service, production quality, or your key commercial talent.

Standardizing financial reporting formats and operational performance indicators across every stakeholder meeting. Providing consistent, high-accuracy management information eliminates confusion, stops recurring queries, and builds critical credibility with credit managers and institutional boards.

Presenting verified downside financial forecasts to existing lenders well ahead of testing dates to reset leverage covenants, interest coverage ratios, or capex restrictions. Negotiating terms in advance avoids technical defaults and keeps management in control of corporate strategy.

Working with banking partners and private credit funds to extend loan maturity dates and restructure ongoing amortization schedules. Starting these discussions well ahead of debt maturity walls allows the company to secure manageable terms without facing urgent refinancing pressure.

Restructuring over-leveraged capital stacks by converting portions of unsustainable debt into equity or hybrid participation instruments. This significantly lowers ongoing cash interest costs, rightsizes the balance sheet, and provides the company with the financial stability required to pursue long-term growth.

Managing complex negotiations between senior lenders, asset-backed providers, and subordinated credit funds who hold competing legal rights. We build a unified restructuring plan that balances security priorities, harmonizes intercreditor terms, and avoids protracted inter-creditor disputes.

Introducing specialist capital providers, asset-based solutions, or hybrid facilities where existing lenders are looking to reduce their exposure. We target replacement capital tailored to support a corporate turnaround without imposing restrictive covenant structures.

Managing a compressed, highly targeted sale process to identify prospective trade or financial acquirers when traditional marketing timelines are not viable. We handle marketing, data room management, and rapid diligence coordination to close a sale that preserves business operations, employment, and enterprise value.

Evaluating whether injecting fresh shareholder or sponsor funds provides a permanent fix or merely delays a structural problem. We run return simulations and capital stack analyses to ensure any new money invested is properly protected and creates clear long-term equity recovery.

Establishing structured contingency plans and organized data rooms to protect critical assets, trade licenses, and supplier contracts if market conditions deteriorate. Having alternative pathways prepared in advance eliminates panic and ensures the board retains maximum flexibility across all outcomes.

Providing directors with clear, non-conflicted guidance regarding creditor obligations, balance sheet solvency duties, and corporate governance responsibilities during periods of financial stress. We ensure leadership decisions are well-documented, defensible, and aligned with statutory standards.