Debt Advisory & Restructuring Support
Strategic advice on refinancing, HMRC negotiation, and debt restructuring to stabilise your balance sheet without entering insolvency.
When the Debt Structure No Longer Works
Businesses outgrow their funding arrangements, or circumstances change — a downturn stretches facilities designed for better times, HMRC arrears accumulate, or the existing lender signals they want out. The current debt structure becomes a constraint on the business rather than a support.
Without specialist guidance, management teams either ignore the problem until it becomes a crisis, or accept unfavourable terms because they don't know what alternatives exist. HMRC, asset-based lenders, challenger banks, and restructuring-friendly funds all operate differently — and knowing how to engage each of them is the difference between a manageable refinancing and a forced sale.
Finance-Structure Solutions, Not Just Operational Fixes
We focus on the balance sheet side of business stress. While turnaround work fixes the operations, debt advisory fixes the capital structure — and often both need to happen in parallel. We advise on the full range of options and manage the process of engaging lenders, HMRC, and alternative funders.
- Refinancing strategy — assessing current facilities against what the market can offer
- HMRC Time to Pay negotiation with properly structured payment proposals and supporting evidence
- Asset-based lending introductions — invoice finance, stock finance, and plant/machinery facilities
- Debt-for-equity and balance sheet restructuring advice
- Support for formal restructuring processes short of insolvency — moratoriums, restructuring plans
- Lender exit management — negotiating an orderly transition when your bank wants to move on
- Preparation of information memoranda and financial models for new funding applications
What You Get
- A clear picture of your refinancing options with realistic timelines and costs
- Professionally managed HMRC engagement with documented payment arrangements
- Introductions to appropriate funders matched to your business profile and needs
- A restructured balance sheet that supports the business going forward, not one that constrains it