Financial Restructuring
Debt restructuring, lender negotiation, and implementation — freeing management to focus on the business.
When the Capital Structure No Longer Fits
A business can be operationally sound but financially distressed. Debt taken on during a period of growth, acquisition, or optimism may no longer be sustainable. Covenant breaches or the threat of them can dominate management attention, consume Board time, and erode lender confidence.
Restructuring negotiations are high-stakes, time-intensive, and technically demanding. Most management teams have never been through one before. Without experienced support, the process can drag on for months, distracting leadership from the day-to-day operations that ultimately determine whether the business recovers.
Restructuring That Secures the Turnaround
As a Board-appointed CRO or trusted advisor, we lead or support the financial restructuring process so that management can stay focused on running the business.
- Restructuring planning — a comprehensive assessment of the debt position, facility terms, covenant exposure, and realistic repayment capacity to frame the restructuring proposal
- Lender negotiation — leading or supporting negotiations with banks and other finance providers, backed by credible financial models and a clear narrative
- Facility management — ongoing management of banking relationships, drawdown planning, and compliance reporting during and after the restructuring
- Cash management — installing or strengthening short-term cash forecasting and controls to maintain liquidity throughout the process
- Operational alignment — ensuring the restructured capital base supports the operational turnaround plan, not just the financial one
- Creditor and stakeholder coordination — managing the broader creditor landscape alongside the primary lender negotiations
What You Get
- A structured, credible proposal for lender negotiations
- Experienced negotiation support through to agreement
- Management freed to focus on day-to-day operations
- A capital structure that supports long-term recovery
- Strengthened lender relationships built on transparency and credible reporting