Assess a sustainable path when existing repayments strain cash flow
SNV Consultancy Services assists viable businesses in analysing debt obligations, operating cash flow and repayment capacity before approaching lenders with a restructuring or regularisation proposal.
Our role is to organise the facts, test realistic scenarios and prepare clear financial information for discussions with banks or financial institutions.
Understand the cause of stress before proposing a solution
Debt Position
Compile lenders, facilities, outstanding amounts, security, interest, instalments, arrears and repayment terms.
Cash-flow Diagnosis
Review sales, margins, working-capital cycle, fixed costs and the timing of operating receipts and payments.
Business Viability
Assess whether normal operations can generate sustainable cash after practical corrective measures.
Repayment Capacity
Prepare projected cash flow, debt-service indicators and an affordable repayment range based on assumptions.
Security and Promoter Support
Document available collateral, promoter contribution, asset sale or other support proposed for the plan.
Restructuring Scenarios
Evaluate possible tenure, instalment, moratorium or facility-alignment scenarios for lender consideration.
Information required for a credible lender discussion
- Facility-wise debt and repayment schedule
- Historical financials and latest operating performance
- Bank statements and account conduct information
- Receivables, inventory, payables and working-capital cycle
- Reasons for stress and corrective actions implemented
- Projected P&L, balance sheet and cash flow
- Proposed repayment plan and promoter support
- Security, statutory and legal information requested by lenders
Restructuring should restore viability—not merely postpone stress
Align Repayment with Cash Generation
Test a repayment profile that reflects realistic operating cash flow and seasonal or project-related timing.
Correct Facility Mismatch
Review whether short-term borrowing is funding long-term assets or whether working-capital limits are misaligned.
Consolidate Financial Information
Present all obligations, related entities, securities and creditor positions transparently for informed appraisal.
Monitor the Recovery Plan
Track sales, margins, collections, expenses and debt service against the assumptions supporting the proposal.
From stress assessment to lender-ready proposal
1. Diagnose
Map debt, operating stress, overdue obligations and the immediate funding position.
2. Forecast
Prepare practical business, cash-flow and repayment scenarios.
3. Propose
Build the restructuring note, financial schedules and corrective-action plan.
4. Coordinate
Support information requests and clarify the proposal during lender evaluation.
Is debt service affecting otherwise viable operations?
Share the facility details, latest financials, bank statements, arrears position and expected business cash flow for an initial review.