Restructuring and turnarounds
When cash gets tight, act early.
A hard stretch is stressful, and it is often fixable. The owners with the most options are the ones who call before the lender does. We’ll help you see where you stand and what to do this week.
If payroll is at risk this week
Call Jacob directly. The conversation is confidential.
Call (312) 722-2494What we do
13-week cash forecast
Week-by-week receipts and payments, so you know exactly when cash runs short and by how much.
Lender communication
Clear, factual updates and proposals for forbearance or modified terms.
Cost and pricing review
Find where margin is leaking and which costs can come out quickly.
Turnaround plan
A written plan with owners, dates, and the numbers to track it.
Chapter 11 and Subchapter V support
Financial work alongside your bankruptcy counsel when a court process is the right tool.
Sale or wind-down
If the best path is a sale or an orderly close, we help protect value for you and your creditors.
The first two weeks
- 1Get the factsBank balances, payables, payroll, debt, and what’s due when.
- 2Build the cash viewA 13-week forecast shows the gap and when it hits.
- 3Stop the bleedingImmediate moves on collections, spending, and payment timing.
- 4Talk to lendersGo to your lender with a plan instead of a surprise.
Working with your attorney
We handle the numbers, the plan, and lender communication. Your attorney handles legal advice, including any bankruptcy filing. If you don’t have one, we can introduce you to attorneys who do this work.
Common questions
When should I call?
When your cash forecast shows a payroll or vendor payment you cannot cover, when you expect to miss a loan covenant, or when your lender starts asking for more reporting. The earlier we start, the more options you keep.
Do you replace my attorney?
No. Legal questions, including any bankruptcy filing, stay with your attorney. We bring the cash forecast, the numbers your lender needs, and the operating plan, and we coordinate with your attorney and CPA.
Will you talk to my lender?
Yes, with your permission. We prepare factual updates and forecasts labeled as estimates, and we recommend your attorney review lender correspondence before it goes out.
What is a 13-week cash forecast?
A week-by-week view of the cash coming in and going out over the next quarter. It shows a shortfall weeks before it happens. Our contractor cash forecast article shows how one is built.
I signed a personal guarantee. What happens to me?
We map what each option would mean for your guarantee so you can see it before you decide. What you owe under the guarantee is a legal question for your attorney, and any tax effect of forgiven debt is a question for your CPA.