Once the IBR report is delivered, the bank or commissioning party reviews the findings and recommendations. If the business is found to be viable, the report typically forms the basis for a restructuring proposal — revised loan terms, a new repayment schedule, or additional facilities. If the business is not considered viable, the report may lead to enforcement action such as receivership or a managed wind-down. For directors, the IBR outcome shapes the options available going forward. In many cases, engaging constructively with the process and implementing the advisor’s recommendations early can significantly improve the outcome and preserve more value for all stakeholders.
