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Cash flow

Thank you for getting in touch with Quantuma Direct.

Your enquiry is currently being assessed by our experienced team.

As a leading independent business advisor with 23 offices around the world, we have considerable and wide-ranging expertise in addressing the financial challenges faced by our clients.

We understand this may be a difficult time for you, but please be assured our experts fully appreciate the urgency of your situation and will do their utmost to find a resolution in the shortest feasible timeframe.

We are happy to offer the following preliminary advice below based upon the information you have already provided.

You will soon be hearing from a member of our team. If you need to contact us directly, please phone us on 0113 242 0808 or email enquiries@quantumadirect.com.

Yours Faithfully,

Quantuma Direct Team

DEBTS – I can’t pay my bills

In the last few months alone, our experts have successfully supported clients to:

  • Manage discussions and negotiations with financial stakeholders
  • Restructure debts
  • Negotiate time to pay agreements with HMRC
  • Identify and obtain more suitable forms of working capital
  • Negotiate with landlords in respect of commercial leases
  • Defend retention of title claims
  • Identify the options available to secure the long-term future of these businesses and assist in carrying out the agreed strategy
  • Restructure businesses
  • Improved credit ratings to allow the raising of working capital

STOCK - I can't afford to purchase stock

In the last few months alone, our experts have successfully supported clients to:

  • Secure working capital solutions such as short-term loans or asset-based lending facilities and revolving credit facilities
  • Identify the root causes of their cashflow problems and take steps to address them
  • Attract investment into the business Manage client and supplier negotiations to enable short term stock to be secured
  • Implement cost reduction strategies
  • Address poor credit rating to enable the business to secure credit terms

CBILS / BBLS - I can’t pay my CBILs/BBLs loans

In the last few months alone, our experts have successfully supported clients to:

  • Negotiate with lenders to extend terms
  • Refinance debts
  • Provide advice in relation to personal guarantees given for larger loans, and personal liabilities where the lender felt a director had acted unreasonably
  • Address poor credit ratings to make the borrowers more attractive to future lenders
  • Advise directors on their options and duties
  • Understand options available to them to secure the long-term future of the business

LOANS – I can’t afford commercial loan repayments due to an increase in interest rates

In the last few months alone, our experts have successfully supported clients to:

  • Understand the extent of personal liability on default of loan payment
  • Secure cheaper sources of finance
  • Raise additional flexible funding to assist cashflow
  • Draft proposals to support a voluntary arrangement with creditors

REFINANCING – My business is working but I can’t cope with historic debts

In the last few months alone, our experts have successfully supported clients to:

  • Refinance their historic debts to facilities with preferable terms
  • Restructure businesses and agree payment plans on historic debt with specific creditors
  • Where necessary, draft proposals to support voluntary arrangements with creditors which enabled them to write off significant debts
  • To simplify group structures and carve out underperforming and dormant subsidiaries
  • Prepare estimated outcome statements to support negotiations with creditors

PERSONAL LIABILITY – I am worried about being personally liable for my debts if I continue to trade

In the last few months alone, our experts have successfully supported clients to:

  • Understand director’s duties
  • Understand the options available to them
  • Assess and secure a refinancing of their company debts on more attractive terms
  • Understand the potential impact on their personal solvency status
  • Negotiate with creditors
  • Wind down the affairs of the business in an orderly manner

SALARIES - I am worried about paying employee salaries

In the last few months alone, our experts have successfully supported clients to:

  • Understand the root causes of cashflow challenges and take steps to address them
  • Assist business in raising short term finance
  • Help manage payments to creditors to ease cash flow and focus on key payments
  • Secure invoice finance facilities to ease cashflow pressures
  • Avoid insolvency by implementing a refinancing plan
  • Understand the options available to them to secure the long-term future of the business
  • In more extreme instances, advise on director’s duties
  • Address poor credit ratings to enable the business to secure credit terms

RENT – I can’t meet my ongoing commercial rent payments

In the last few months alone, our experts have successfully supported clients to:

  • Re-negotiate commercial lease agreements with landlords
  • Negotiate consensual agreements with landlords
  • Negotiate payments plans
  • Protect clients from legal action by Landlords
  • Restructure their commercial lease portfolio

HMRC – I would like to agree a payment plan with HMRC

In the last few months alone, our experts have successfully supported clients to:

  • Negotiate manageable time to pay arrangements with HMRC
  • Develop improved cash flow management capabilities
  • Secure funding to assist businesses where HMRC have rejected a Time to Pay plan
  • Assisted directors develop proposals to support a voluntary arrangement with creditors

BANK – my bank has said they want me to talk to someone about my company’s financial position

In the last few months alone, our experts have successfully supported clients to:

  • Prepare a wide range of management information to support discussions with the bank
  • Provide cash flow advisory services
  • Manage financial stakeholder communications
  • Assist with refinancing to alternative lenders
  • Developed and implemented refinancing plans
  • Developed and implemented turnaround plans