Cash first
A 13-week cash plan.
All advisory & special projects services
Advisory & Special Projects
Financial Restructuring
When a business is under financial strain, FinAura works with the owners to stabilise cash first, then examines costs, working capital and debt, and builds a realistic plan: what to cut, what to sell, what to renegotiate and how much time is needed. Proposals to lenders and creditors are prepared with numbers they can test.
- Chartered Accountant-led
- Certification through associate practising CAs
- Fixed scope, fixed fee
What is covered
What Financial Restructuring Covers
Stabilise, then fix.
Cost review
What can be cut or deferred.
Working capital
Stock and receivables released.
Debt
Terms reviewed and options built.
Turnaround plan
Steps, owners, timelines.
Lender proposals
With numbers they can test.
How the month runs
How It Works
Stabilise, diagnose, plan, execute.
Step 1
Stabilise
- Cash plan
- Payment priorities
- Collections
Step 2
Diagnose
- Costs
- Margins
- Debt
Step 3
Plan
- Options
- Turnaround plan
- Proposals
Step 4
Execute
- Lender talks
- Actions tracked
- Monthly review
Your part
What We Need From You
- 01Bank balances and statements
- 02Loan documents
- 03Books and recent results
- 04A frank view of the problems
Our part
What You Get
- A cash plan for the next weeks
- A diagnosis of what went wrong
- A turnaround plan
- Proposals for lenders and creditors
A common question
Where should a business in trouble start?
With cash: knowing week by week what comes in and goes out buys time and shows which payments must be protected.
Only then does the longer work make sense: margins, costs, debt and, if needed, a conversation with lenders backed by a credible plan.
See cash flow managementPlanOwned and tracked
DiagnosisCosts and debt
CashStabilised
Who it is for
Who It Is For
Businesses with cash shortfalls
Payments slipping.
Companies breaching covenants
Lender conversations.
Businesses with falling margins
Costs out of line.
Owners considering a sale
Options under pressure.
The rules, in plain English
What the Law Says
RBI and bank credit policies
Working capital and term loans
Banks assess limits from financial statements, projections and CMA data, against their own credit policy and the RBI's directions.
Official source: rbi.org.inThis is general information, not advice for your situation; we confirm what applies to you before any work starts.
Questions we get asked
Financial Restructuring: Questions, Answered
Do you negotiate with banks for us?
We prepare the proposal and support the discussion; the decision on terms is the lender's.
Is this insolvency work?
No. We work on restructuring outside formal insolvency. If insolvency proceedings are needed, a registered insolvency professional handles them.
How quickly can you start?
Usually within days, starting with a cash review, because time matters most early on.
Is the work confidential?
Yes, run by a small team with information shared only as you agree.
Often Taken Together
All 12 Advisory & Special Projects services01Advisory & Special ProjectsFinance Function Set-UpDesigning and staffing the finance function of a company that has outgrown its accountant.02Advisory & Special ProjectsBank Loan DocumentationFinancial statements, projections and supporting schedules assembled for working capital and term loan applications. We prepare the case; we do not promise approval.03Accounting & FinanceVirtual CFOA Chartered Accountant reading your numbers, planning cash and guiding decisions.04Accounting & FinanceFinance OperationsReconciliations, payables, receivables and a predictable month-end close.