Phase 1 · Discovery · Clarity Begins Here
Creditor Negotiation & Restructuring
Most creditors would prefer a managed arrangement over the uncertain returns of an insolvency process. The business in distress has more negotiating position than it realises — if it acts before it has to.
Creditor negotiation and restructuring is the structured management of the conversations with creditors — banks, HMRC, trade creditors, and landlords — to reach arrangements that allow the business to continue operating while addressing the debt obligations it cannot currently meet in full or on the original terms. We design the negotiation strategy, represent the business in the conversations, and reach the arrangements that give both parties a better outcome than the alternative.
The Pain We Solve
You may recognise yourself in one of these.
Three audience scenarios · because the same service produces a different transformation depending on where you are in the business journey.
Scenario 1
The business that owes HMRC arrears and does not know how to approach the conversation
Tax arrears have accumulated. HMRC has sent demands. The business cannot pay in full. And the owner has avoided the conversation because they do not know what to say, what HMRC's response will be, or whether the conversation will accelerate the action they are most afraid of.
Scenario 2
The business under creditor pressure from multiple directions simultaneously — bank, landlord, and trade suppliers
Multiple creditors are pursuing the business at the same time. Managing each conversation independently is consuming management time and creating inconsistent commitments that the business cannot keep simultaneously. A structured, coordinated approach to all creditors at once produces better outcomes than individual firefighting.
Scenario 3
The business with bank borrowing that has breached its covenants and is facing a review that could result in the loan being called
The bank covenants have been breached. The relationship manager has called a review. The business does not know how to present the situation, what the bank's options are, or what it can offer to maintain the facility. Professional representation in that conversation changes the outcome.
The Impact It Creates
The Moment You Will Feel the Difference.
Creditor arrangements reached that allow the business to continue operating
HMRC time-to-pay arrangement secured on terms the business can sustain
Bank relationship managed so facilities are maintained rather than called
Trade creditor relationships preserved through managed, structured communication
What You Receive
The Specific Deliverables.
Tangible outputs · documented, dated, and yours to keep.
- Creditor prioritisation and negotiation strategy
- HMRC time-to-pay arrangement preparation and application
- Bank covenant breach management and relationship repair plan
- Trade creditor communication and arrangement programme
- Company Voluntary Arrangement (CVA) assessment if appropriate
- Creditor arrangement monitoring and compliance framework
The Outcome
Where You Will Be on the Other Side.
The business reaches arrangements with its creditors that allow it to continue operating — with the relationships managed professionally, the obligations restructured to a level the business can sustain, and the goodwill preserved that makes the recovery possible.
Primary Focus
Negotiating creditor arrangements — HMRC, banks, and trade creditors — that allow the business to continue operating while addressing unsustainable debt obligations.
KPI Measurement
- Creditor arrangement success rate
- HMRC time-to-pay terms achieved
- Bank facilities maintained post-covenant breach
- Trade creditor relationships retained
- Arrangement compliance rate
Investment & ROI
Pricing Engineered Around the Value You Create.
Every engagement is sized against the value we believe we can create with you · the fee is always a fraction of the outcome. Four tiers · so the investment matches your stage of business.
Tier 1
Foundations
£5,000 – £15,000
Right for
Pre-startup, startup, and micro-business founders ready to build on evidence rather than instinct.
Typical Value Created
£50K – £500K avoided in misdirected launches and bad bets
Engagement
4 – 8 weeks
Target Return
5 – 10× ROI
within 12 – 18 months
Tier 2
Acceleration
£15,000 – £50,000
Right for
Growing SMEs and established small businesses ready to scale a working model into the next revenue band.
Typical Value Created
£250K – £2M of better-informed launch decisions and faster market traction
Engagement
8 – 16 weeks
Target Return
5 – 10× ROI
within 12 – 18 months
Tier 3
Transformation
£50,000 – £250,000
Right for
Medium enterprises and scale-stage businesses ready to commit to a multi-quarter, organisation-wide shift.
Typical Value Created
£1M – £25M in strategic pivots de-risked and new categories validated
Engagement
3 – 9 months
Target Return
5 – 10× ROI
within 12 – 18 months
Tier 4
Enterprise
£250,000 – £2M+
Right for
Large enterprises, global operators, and complex organisations ready for a multi-year strategic partnership.
Typical Value Created
£5M – £100M+ in optimised market entry, M&A diligence, and category positioning
Engagement
12 months and onward
Target Return
5 – 10× ROI
within 12 – 18 months
Why We Price This Way
Every engagement is sized around the value we believe we can create with you. The fee is always a fraction of the outcome · typically 10 – 20% of the expected first-year return.
This is how we make sure pricing aligns with results. The conversation is never “what does this cost?” · it is always “what is this worth to your business?” We answer that together in the first call, transparently, and decide the right tier from there.
If we cannot articulate a credible 5–10× return for your specific situation, we will tell you in the first call. That honesty is part of why our clients trust us with the work that matters most.
Why This Conversation Matters
“Creditors do not want the business to fail. They want to be paid — and a structured arrangement that pays them over time is almost always preferable to the uncertain returns of an insolvency process. We make the case for the arrangement — and help the business keep it.”
A 90-minute structured strategy session · produces a usable roadmap whether you engage further or not.
More in Phase 1