From the numbers to the change
- Your numbers sayLoan repayments are higher than cash the business generates
- The cause underneathDebt was sized for last year's sales, or too short for a long-cycle business
- What changesRestructure terms and sequence them with the operating fix
- What to expectRepayments the repaired business can carry
An illustration of how the thinking runs, not a client result.
What restructuring can cover
Debt
Longer tenor, lower instalments, a moratorium, converting short-term to term debt, a negotiated settlement.
Group structure
Merging, demerging or simplifying entities that duplicate cost or hide losses.
Ownership
Bringing in investors, buying out partners, sorting out family arrangements.
Assets
Selling non-core assets or property to reduce debt.
The question to answer before anything else
How much debt can the repaired business carry? The answer comes from realistic operating cash flow after the turnaround actions, not from last year's profit or next year's hopes. Our lender negotiation page explains how this number is used with banks.
How we work on restructuring
Rebuild the cash flow.
Three scenarios: current path, repaired business, downside.
Size the problem.
The gap between debt service and cash flow in each scenario.
Choose the tools.
Match the gap to the right levers; avoid heavy options when light ones will do.
Prepare the story and the numbers.
A pack lenders and investors can check.
Coordinate the professionals.
Lawyers, valuers and auditors where needed, with one view of the numbers.
Business under pressure? Let a CFO read your numbers.
A senior CFO reads them with you and tells you what is really going on. No cost, no obligation.
A caution
CFOAvatar complements every turnaround
A human CFO sees your business at the review. Problems do not wait for the meeting. CFOAvatar is connected to your accounting data and checks your numbers every day, so the scoreboard in a turnaround is always current. Ask it what an owner in trouble would ask:
What owners say after the numbers started talking
They have facilitated us in putting both process and financial systems in place as well as take some very difficult but required decisions. We are indeed pleased to record our appreciation of their individualized, friendly and timely support in our activities during the course of their association.
What truly sets them apart is their ability to dive into the details—cash flow, operations, and compliance—while simultaneously offering strategic insight that supports long-term decision-making. Their guidance has always been practical, thoughtful, and tailored to our specific needs rather than one-size-fits-all solutions.
Quoted word for word from our clients. Read more client words →
Questions owners ask us
What is corporate restructuring advisory?
Advice on rearranging a company's debt, entities, ownership or assets to match what the business can sustainably earn and carry.
What are restructuring advisory firms?
Firms that advise stressed companies and their lenders or investors on restructuring options. The best start from the company's cash flow, not from a template.
Is restructuring the same as bankruptcy?
No. Restructuring is usually done to avoid that outcome by agreeing new terms. Formal insolvency is a separate legal process.
Will you negotiate with my lenders?
We prepare the numbers and the plan and support you in discussions. Decisions and formal agreements remain between you and your lenders, with legal advice where needed.