Restructuring Corporate Finance - Restructuring corporate debt

Debt management is a major issue for companies, whether it involves bank loans, supplier debts or various types of financing. Prestaflex, headed by Munur Aslan and his team, is your partner of choice to help you renegotiate your debts and optimize your financial commitments. Thanks to a structured, technical approach, we're with you every step of the way to a healthy, sustainable cash flow.

🔍 An in-depth financial analysis for a tailor-made solution

Debt renegotiation involves much more than simply reducing monthly payments. At Prestaflex, we carry out a detailed analysis of your financial situation to identify the levers for optimization.

  1. Complete audit of existing debts
    • Inventory of business loans, revolving credit, supplier debts and other financial commitments.
    • Analysis of interest rates, maturities and contractual terms.
    • Evaluation of the proportion of short-, medium- and long-term debt.
  2. Analysis of key financial ratios
    • Debt-to-equity ratio: measures the ratio of debt to equity.
    • Repayment capacity: evaluates your gross operating profit (EBITDA) to assess the feasibility of debt rescheduling.
    • Liquidity ratio: measures your ability to meet short-term debt repayments.
  3. Cash flow projections
    • Development of a cash flow forecast incorporating new repayment scenarios.
    • Evaluate the impact on cash flow to ensure the viability of your business.

🤝 Negotiating with creditors: Prestaflex's professional approach

Once the financial analysis has been completed, Prestaflex contacts your creditors to negotiate more favorable terms. Thanks to our expertise and our network of financial partners, we are able to put in place appropriate solutions:

  1. Reducing interest rates: By renegotiating contractual terms with banks or financial institutions, we aim to lower the rates applied, thereby reducing the total cost of borrowing.
  2. Extending the repayment period: This solution reduces the amount of your monthly payments, easing the pressure on your cash flow.
  3. Debt consolidation: If you have several loans, we can consolidate them into a single loan, with a single monthly payment and a renegotiated rate.
  4. Partial debt write-off: In some cases, it may be possible to negotiate a partial waiver of debt, particularly with suppliers, in order to reduce the overall burden.
  5. Adjustment of due dates: If your cash flow is under pressure, we can negotiate a partial or total deferment of due dates to give you breathing space.

📈 Optimizing cash flow: a structured plan for the future

Debt renegotiation isn't just about easing the immediate burden. At Prestaflex, we help you restructure your finances to avoid falling back into a cycle of debt.

  • Revision of financing plan: We analyze your short-, medium- and long-term needs to determine whether new financing can be considered.
  • Monitoring of financial indicators: Thanks to customized reporting tools, you can track the evolution of your debt and cash flow.
  • Setting up a risk management plan: We advise you on best practices to avoid further financial stress.

💡 Technical advantages of renegotiating with Prestaflex

  • Access to an expanded banking network: Munur Aslan and his team maintain strong relationships with numerous financial institutions, increasing your chances of obtaining favorable terms.
  • Algorithmic approach: Our analytical tools can simulate various scenarios to identify the best solution.
  • Confidential management: All procedures are carried out with strict respect for the confidentiality of your data.

❓ FAQ : Your questions, our technical answers

1. Does renegotiation affect my credit rating?
No, renegotiation does not affect your credit rating. On the contrary, by lowering your monthly payments, you reduce the risk of default, which can improve your score.

2. What's the difference between refinancing and renegotiation?
Renegotiation involves changing the terms of an existing loan, while refinancing involves replacing the loan with a new one on better terms.

3. How long does it take to finalize a renegotiation?
This depends on the complexity of the case, but Prestaflex undertakes to finalize the process within 2 to 6 weeks, depending on the responsiveness of the creditors.

4. Is it possible to renegotiate supplier debts?
Yes, we negotiate not only bank debts, but also commercial debts, obtaining extended payment terms or discounts.

5. Can Prestaflex intervene if the company is in financial difficulty?
Absolutely. Our mission is to prevent the risk of default by restructuring your financial commitments to ensure the continuity of your business.

📞 Contact Prestaflex today

Would you like to reduce your financial burdens and regain a sustainable balance? Contact Prestaflex, headed by Munur Aslan, for a free, confidential consultation.

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