Restructuring & Special Situations
13-Week Cash Flow & Liquidity
Every workout decision — fund or sweep, forbear or enforce, amend or sell — is a bet on runway. We build the direct-method 13-week model both sides of the table can argue from, in two weeks, and maintain it on a Friday cadence for the life of the situation.
Who calls us
The situations
- Credit funds and lender groups whose borrower packages arrive 30–75 days stale, on the credit that just went to watch-list
- Companies entering forbearance that need projections the lender group will actually believe
- Sponsors that need independent cash visibility across a stressed platform
What you receive
The deliverable
A working model — yours to keep — a weekly variance package, covenant and milestone tracking, and a named senior partner on the Friday call. On lender-side engagements, typically funded by the borrower under standard credit-agreement expense provisions.
Build, maintain, interrogate, advise
Build
Direct-method receipts-and-disbursements model, bank-data-anchored, in ten business days.
Maintain
Friday actual-vs-forecast variance reporting in the lender group's format.
Interrogate
Vendor stretch, customer concentration, deposit timing, borrowing-base implications — the places industrial cash forecasts lie.
Advise
What the variance trend means for the amendment, the forbearance milestones, or the sale timeline. **Industrials note** Manufacturing and construction cash flows fail on WIP, retainage, surety, progress billing, and tooling capex — line items a generic template never sees. Ours were built running these companies.
Manufacturing and construction cash flows fail on WIP, retainage, surety, progress billing, and tooling capex — line items a generic template never sees. Ours were built running these companies.
Common questions
Straight answers
How fast can a model be live?
Ten business days to a working model in most middle-market situations; a usable draft sooner when bank data access is immediate.
Who owns the model?
The client. We build in standard tools, document assumptions, and hand over a maintainable file — no black box, no hostage fee.
13 weeks — why that horizon?
It is the standard lender horizon: long enough to see the borrowing base and payroll cycles turn, short enough to be forecast from actual receipts and disbursements rather than accrual guesses.
Related capabilities
Where this leads
Put the Friday number on your credit
A working model in ten business days — often borrower-funded under your existing documents.