Debt Restructuring
Practical support for businesses managing debt, lender pressure and financial stress
Debt restructuring may be required where existing facilities are no longer appropriate, repayment obligations have become difficult to manage, or a business needs time and support to stabilise its financial position.
At Corcoran Advisory, we help businesses assess their debt position, understand their options and engage with lenders, creditors and stakeholders in a structured and credible manner.
Our focus is on developing practical, commercially realistic solutions that support the business while addressing creditor and lender concerns.
When might debt restructuring be required?
- Cash flow pressure is affecting repayments
- Facilities are no longer suited to the business
- Revenue or trade creditor arrears have built up
- The business is facing lender pressure or covenant issues
- A refinance or alternative lender approach is required
- The business needs a standstill, extension or revised repayment plan
- Secured enforcement or receivership risk exists
- A formal or informal restructuring option needs to be assessed
How we can help
We support borrowers and stakeholders by preparing the financial information, options analysis and restructuring proposals required to engage credibly with lenders and creditors.
- Reviewing the company’s debt position, facilities and repayment obligations
- Assessing cash flow, repayment capacity and funding requirements
- Preparing short-term cash flow forecasts and restructuring proposals
- Engaging with banks, alternative lenders, Revenue and key creditors
- Assessing refinance, standstill, settlement or term extension options
- Supporting negotiations on revised repayment terms
- Reviewing security, asset realisation and enforcement risk
- Advising on formal restructuring or insolvency options where required
Building a credible restructuring proposal
Lenders and creditors will typically need to understand the current financial position, the causes of pressure, the repayment capacity of the business and why the proposed solution is realistic.
We help clients present this information clearly, supported by financial analysis, cash flow forecasts and a practical plan.
Our approach
1. Assess the position
We review debt facilities, creditor pressure, cash flow and the company’s current financial position.
2. Identify options
We assess refinancing, restructuring, standstill, settlement and formal process options.
3. Prepare the proposal
We prepare forecasts, repayment analysis and a clear proposal for lenders or creditors.
4. Support negotiations
We support engagement, information requests and negotiations through to agreed terms.
Where we add value
Debt restructuring requires a clear understanding of the numbers, the lender’s position and the practical options available. We help clients move from uncertainty to a structured plan, improving the prospects of an agreed and workable solution.
Need advice on debt restructuring?
If your business is under debt pressure or needs to restructure existing facilities, contact us for practical and confidential support.
Discuss Your Options