Start with an honest read on your position
Fifteen minutes with a senior advisor is usually enough to establish whether restructuring helps, what a realistic reduction range looks like, and what the first move should be.
What happens next
- A senior advisor calls you
- Your obligations are mapped in one schedule
- You get a realistic reduction range in writing
- You decide — no obligation, no fee to that point
Timing matters
Positions negotiated before escalation typically settle on better terms than the same positions after default or collection referral. Earlier is cheaper.
Helpful to have ready
- · Three months of business bank statements
- · Copies of each funding or loan agreement
- · A rough list of balances and payment frequencies
- · Any collection or demand correspondence
None of this is required to get on the first call.
The full engagement in four stages
Intake & Triage
A senior advisor reviews your obligations, bank activity, and collection posture on the first call. If restructuring is not the right answer for your situation, we say so on that call.
Strategy & Modeling
We model what your business can sustain from its own numbers, then design the restructure order — which creditors to engage first, and on what terms.
Negotiation
Our team becomes the point of contact. Each creditor receives a documented proposal, and we negotiate balances, structures, and release language together.
Recovery & Rebuild
With obligations restructured, the focus shifts to rebuilding reserves, credit standing, and the operating discipline that keeps the business off short-term debt.