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Service 03

Financial Restructuring

When cash gets tight, the problem is almost never profitability: it is the mismatch of maturities.

Debt reprofiling, working-capital optimisation and profitability recovery plans with quarterly targets.

Debt
Reprofiled
Working capital
Optimised
Targets
Quarterly
What you get

The deliverable, no vagueness.

Reprofiling with banks and suppliers, on a payment plan the cash can actually support.

Working-capital optimisation: collections, stock and payments, in that order.

A recovery plan with verifiable quarterly targets, not a generic promise.

How it runs

Four stages, timelines in sight.

01
Cash diagnosis
2 weeks
02
Proposal
2 weeks
03
Negotiation
4 to 10 weeks
04
New profile
Follow-up
This service's simulator

DSCR: is the cash flow enough to pay everything?

Interest coverage lies: it pays the interest and ignores the principal. The DSCR compares available cash flow with the total debt service — which is what the bank's covenant actually demands.

CFADS vs. debt service
Your assumptions
Projected DSCR by year

A case from this service

The problem was not the margin, it was the maturity mismatch

Healthy EBITDA and cash in the red: 78% of the debt matured within 180 days. We reprofiled with four banks and redesigned working capital before touching a single cost line.

Agribusiness · La Rioja, Argentina
58 → 31
Cycle days
1.06 → 1.74
Year-1 DSCR
Other services
Mergers & AcquisitionsBusiness ValuationFinancial Modelling + AIDue DiligenceStrategic PlanningEfficient AdministrationMonthly Retainer

Shall we run this simulator with your real numbers?

In the Express Financial Diagnosis we use your actual statements, not assumptions. One hour, no cost.

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SIMULATORS ARE ILLUSTRATIVE AND DO NOT CONSTITUTE FINANCIAL ADVICE