Cashflow & Restructuring

Whether you’re an individual dealing with sudden money problems or a business struggling to stay afloat, knowing where to start is key.

When you’re facing a financial crisis, taking control can feel overwhelming. At DMC Recovery, we offer practical support to help you manage urgent issues, plan ahead, and move towards long-term financial stability.

We know that financial problems often come without warning. Our crisis management services are designed to help you act quickly, stay focused, and take clear steps towards recovery.

Business Crises

Business crises often involve falling revenue, cashflow issues, or pressure from creditors. These may come from losing key clients, rising operational costs, or new compliance problems. We support business owners in stabilising operations, cutting costs wisely, and communicating with stakeholders like staff and suppliers.

Wider Economic Crises

Wider economic crises, such as inflation, high interest rates, or industry-wide downturns, can affect both people and businesses. These bigger changes can disrupt your plans even if you’ve managed your finances well before. Our job is to help you adapt quickly and make smart financial decisions under pressure.

How We Help: Our Crisis Management Approach

Our step-by-step process helps you regain control and build towards a stronger future. Whether you’re dealing with personal finance issues or leading a business, we guide you through every stage of the recovery journey.

Financial Situation Assessment

The first step is a financial health check. We work with you to understand your current financial position. This includes reviewing your income, expenses, savings, and any debts or unpaid bills. For businesses, we look at your cash flow, profit margins, and areas where money may be slipping away. By understanding the full picture, we can help you decide what needs attention right now.

Immediate Stabilisation Actions

Next, we focus on urgent actions to stabilise your situation. This might mean asking creditors for extra time to pay, applying for support from HMRC or your local council, and getting to grips with your cashflow.

Strategic Debt and Liability Management

Once you’re stable, we move on to managing debt and reducing financial pressure. Not all debt is bad, but high repayments or complex loans can make things worse. We help you explore better repayment options, talk to creditors, or, in some cases, set up formal agreements such as a Time to Pay or a company restructuring. The goal is to lower costs and free up cash so you can start rebuilding.

Revenue Protection and Recovery Planning

With some breathing room, we then look at how to bring money back in. We work on protecting key income sources, improving sales, and reviewing pricing or service models. We also help identify areas of the business that may be holding you back or costing too much.

Building Long-Term Financial Resilience

Finally, we focus on building long-term financial strength. This means setting realistic savings goals, restarting pension contributions, and planning for future challenges. For businesses, we help introduce financial systems, better reporting, and strategies to protect against future risks. We don’t just help you recover—we help you stay strong after the crisis has passed.

Practical Tools and Support

We provide easy-to-use tools and guides to help you stay organised and make informed choices, including:

Budget planners and cashflow templates
Debt tracker tools and repayment checklists
Bill prioritisation guides
Help applying for funding or financial relief programmes

These tools are available to all our clients and help turn ideas into action.

We make sure all our advice follows UK rules and regulations, including:

The Insolvency Act 1986
HMRC’s Time to Pay arrangements
FCA guidance for lenders and borrowers
Directors’ legal duties during times of financial stress

Our goal is to protect you from unintentional mistakes and help you act responsibly, especially if your business is under serious pressure.

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Further information on Cashflow and Restructuring

Frequently Asked Questions

Insolvency is the state of not having enough assets to meet all debts, or being unable to pay debts as and when they are due. If a creditor can establish that an individual or company is insolvent, they will be able to present a winding-up petition.

When a director recognises that their company is insolvent their should be a shift in their behaviour to ensure that they do not make the risk to creditors of not being paid any worse.

The following are all indicators, if you answer yes to any of them please give us a call

Have you not paid your PAYE or VAT on time?
Have you not paid other creditors on time?
Have you not drawn money out of the company to pay yourself?
Have you paid your own money into the company to pay bills or employees?
Has your order book dried up?

The only answer can be “it depends”. Each situation is different. Give us a call and we can explain your options.

Take the First Step Today

Financial problems can feel isolating—but you don’t have to face them alone. At DMC Recovery, we help you stay calm, act smart, and move forward with confidence.

Whether you need emergency support or long-term planning, we’re here to guide you through.

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