Pre-Insolvency & Creditor Negotiation
Structured creditor engagement and CVA support that keeps businesses trading while protecting stakeholder interests.
The Space Between Turnaround and Insolvency
Many businesses in financial distress aren't yet insolvent — but they're heading there fast. Creditors are pressing, HMRC arrears are mounting, and the management team is firefighting rather than negotiating from a position of strength.
This is the critical window where the right intervention can avoid a formal insolvency process entirely. But it requires credible financial proposals, structured communication with creditors, and the discipline to execute an agreed plan — not just promises to pay.
Credible Negotiation, Not Just Delay
We sit between your business and its creditors, bringing the financial credibility and structured approach that turns adversarial conversations into workable agreements. We work alongside insolvency practitioners where formal processes may be needed, without doing the IP's regulated work ourselves.
- Informal creditor negotiation — structured proposals backed by realistic financial projections
- Company Voluntary Arrangement (CVA) preparation and support, working with your nominated IP
- HMRC Time to Pay negotiation with properly documented payment proposals
- Creditor communication management — single point of contact to reduce pressure on the business
- Standstill agreement negotiation with key creditors to create breathing space
- Financial modelling to demonstrate repayment capacity under proposed terms
What You Get
- A creditor engagement strategy with clear timelines and fallback positions
- Professionally prepared creditor proposals with supporting financial evidence
- Managed creditor communications that protect your trading relationships
- CVA documentation and financial schedules ready for your IP to take forward