Bank credit for companies undergoing restructuring

PrestaFlex is a key partner for companies undergoing restructuring and seeking access to credit. When a company is going through a difficult period, traditional banks are often reluctant to grant a loan, as they rely primarily on strict criteria linked to past financial health. Prestaflex, on the other hand, takes a different approach, focusing on the company's recovery potential and future viability. Here's how PrestaFlex helps these companies obtain the financing they need.

In-depth financial analysis

PrestaFlex' s first step is to gain a detailed understanding of the company's financial situation. This involves not just examining past balance sheets, but analyzing all financial, operational and strategic parameters. This assessment includes :

Financial statement review: Analysis of balance sheets, income statements and cash flows to identify strengths and weaknesses.
Debt assessment: Identification of creditors, amounts owed and due dates to anticipate risks of default.
Asset analysis: Identification of assets, trade receivables and inventories that can be used as collateral.
Restructuring plan study: Analysis of measures put in place to turn the company around, such as cost reduction, team reorganization or diversification of revenue sources.
Financial projections: Forecasts for the coming months and years to demonstrate the company's ability to meet its financial commitments once credit has been obtained.

This analysis enables PrestaFlex to understand the company's true situation and determine the best financing strategy.

Tailor-made structuring of the financing package

To maximize the chances of obtaining credit, PrestaFlex helps companies put together a solid business case, highlighting the strengths of the restructuring project. This includes :

Preparation of financial documents: Financial statements, business plan, cash flow forecasts and evidence of recovery measures.
Valuation of collateral: Identification of assets that can secure the loan, such as trade receivables, real estate or inventory.
Justification of financial needs: Precise explanation of how the requested funds will be used (payment of suppliers, business recovery, investment in new projects, etc.).
Highlighting growth prospects: Presentation of market opportunities, new contracts signed or partnerships in progress to prove the viability of the project.

PrestaFlex ensures that the business case is presented in a professional and convincing manner, which considerably increases the chances of acceptance by financial partners.

Customized financing solutions

PrestaFlex offers a range of financing solutions specially designed for companies undergoing restructuring. These solutions are flexible and take into account existing financial constraints. Key options include

A. Flexible business credit

This type of loan is designed to meet immediate cash-flow needs or finance a turnaround project. Terms are tailored to the company's situation, with adjustable maturities and personalized repayment terms.

B. Factoring

Factoring enables companies to assign their trade receivables to PrestaFlex in exchange for an immediate advance on the invoice amount (up to 90% of the value). This improves cash flow without increasing debt.

C. Bridging loan

For companies awaiting new financing or the completion of a project, bridging credit offers temporary access to funds to cover urgent needs.

D. Consolidation loan

This solution makes it possible to consolidate several existing debts into a single loan, with more advantageous terms, simplifying financial management and reducing monthly payments.

E. Short and medium-term loans

PrestaFlex also offers loans with terms ranging from a few months to several years, to finance restructuring projects, material investments or cash flow requirements.

Support during the turnaround process

PrestaFlex does more than just provide financing. The company acts as a true partner, accompanying management throughout the restructuring process. This support includes :

Strategic consulting: Identification of levers for improvement to optimize profitability and resource management.
Budget planning: Drawing up budget forecasts to anticipate expenditure and manage cash flow.
Financial monitoring: Continuous monitoring of cash flow and performance to ensure the company remains on track.
Negotiating with creditors: Assistance in renegotiating existing debts and obtaining extended payment terms.

Thanks to this support, the company can concentrate on its core business while benefiting from expert help to regain financial stability.

Easier access thanks to more flexible criteria

Unlike traditional banks, PrestaFlex adopts more flexible assessment criteria, taking into account the company's future potential rather than past performance alone. This approach includes :

Personalized assessment: Each application is considered on a case-by-case basis, with an in-depth analysis of the turnaround plan.
Less collateral required: Depending on the strength of the project, collateral can be reduced or replaced by trade receivables or business assets.
Quick decision: Prestaflex processes financing requests quickly, enabling companies to obtain the necessary funds without undue delay.

This flexibility makes financing accessible even to companies in delicate financial situations.

Transparency and mutual commitment

PrestaFlex operates with a high degree of transparency when it comes to financing conditions. The company clearly explains the terms and conditions of the loan, including interest rates, any fees and deadlines. This transparency is also reflected in the pricing structure:

Initial fee: PrestaFlex charges a fee for analyzing and structuring the file.
Success fees: Additional fees are only charged if financing is obtained.

This mutual commitment ensures that PrestaFlex remains fully committed to its customers' success.

Expected results for the company

With PrestaFlex 's support, companies undergoing restructuring can :

Improve cash flow to meet immediate financial obligations.
Finance strategic projects to boost business.
Consolidate debt to reduce financial pressure.
Implement a solid, sustainable turnaround plan.

By regaining financial stability, the company can focus on its development, return to growth and strengthen its market position.

A strategic partner for the company's long-term future

PrestaFlex does more than simply grant credit: it is a true ally for companies undergoing restructuring. Thanks to its expertise, tailor-made financing solutions and strategic support, PrestaFlex enables companies to overcome their difficulties, stabilize their financial situation and look to the future with confidence.

By choosing PrestaFlex , companies benefit not only from access to credit, but also from comprehensive support to ensure the success of their restructuring.