Recovery — For Distressed Owners

When the bank is calling and you’ve
stopped sleeping.

Recovery is for owners staring down covenant breaches, cash crises, and lender pressure. We move fast, take command of the cash, and rebuild credibility with the bank — typically within 90 days.

Is This You?

If three or more
are true, read on.

Recovery is a specific tier with specific symptoms. We’d rather tell you upfront whether you fit — and route you elsewhere if you don’t.

i. Bank or lender is asking pointed questions you don’t have clean answers for.
ii. Covenant headroom is thin, breached, or you’re not sure where it stands.
iii. Cash is managed week-to-week. AP is being juggled. AR isn’t being chased.
iv. Monthly losses are eroding equity faster than profit can replace it.
v. Reporting is late, inconsistent, or you don’t trust the numbers you do see.
vi. Key staff are stretched, fatigued, or have started leaving.
vii. You’re carrying the stress home — and it’s affecting decisions and family.
viii. You’ve stopped looking at the P&L because you already know what it says.
The Method

Three phases.
Ninety days.

Recovery is structured. We follow the same sequence we ran on the Recycling engagement — diagnose, stabilise, rebuild. Every phase has named deliverables and named owners. No drift, no scope creep.

i. Days 1–14

Take command of the picture.

We do the deep diagnostic across all ten domains, get cash onto a 13-week forecast, and have a candid conversation with the bank within the first ten days.

  • Full Business Health Report
  • AP and AR age analysis
  • Banker briefing
  • 13-week cash flow forecast
  • Covenant compliance review
  • Stakeholder communication plan
ii. Days 15–60

Stop the bleeding.

Cost discipline, AP reprioritisation, AR acceleration, vendor renegotiation, and where appropriate factoring or capital restructuring.

  • Cost reduction plan, executed
  • Vendor terms renegotiated
  • Weekly partner updates
  • AP/AR daily cadence established
  • Working capital facility, if needed
  • Monthly board reporting
iii. Days 61–90

Restore profitability and trust.

Move from stabilised to profitable. Reporting cadence locked. Bank relationship rebuilt. Handover to the 12-month retainer.

  • P&L back to profit
  • Bank confidence restored
  • Retainer onboarding
  • Reporting calendar locked
  • Forward 12-month plan
  • New vendors onboarded, if needed
Investment

Two structures.
One commitment.

Both Recovery options include a mandatory 12-month retainer, baked into the model. This is how we hold the gains — and how the relationship compounds.

Recommended
Recovery — 90 Day

Standard

For acute distress with a defined path back.

$ fixed fee*

+ 12-month retainer at $8,000 / month

What’s included
  • 90-day Recovery engagement, full method
  • Partner-led
  • 13-week cash forecast, weekly refresh
  • Banker engagement and joint reporting
  • Capital restructuring, if needed
  • KPI scorecards

*from $45,000, ROI is normally 500%+

Recovery — 120 Day

Intensive

For acute distress requiring deeper operational support.

$ fixed fee*

+ 12-month retainer at $8,000 / month

Adds on top of Standard
  • 30 additional days of intensive support
  • Stakeholder management
  • Senior leadership management
  • SOP development
  • Operations development
  • Moving towards Reset

*from $60,000, ROI is normally 500%+

The Commitment

We commit to your business the way you do. The retainer is not optional — it’s how we hold the gains and how the relationship earns its name.

For Clarity

What we don’t
do.

i.

We don’t replace your team.

We work alongside your CFO, controller, or bookkeeper — making them better, not redundant. Owners keep their people.

ii.

We don’t take equity.

We are advisors. Not investors, not partners, not sweat-equity holders. The relationship stays clean.

iii.

We don’t do bankruptcies.

If your business is past the point of recovery, we’ll tell you and refer you to specialist counsel. Honesty over fees.

iv.

We don’t accept every engagement.

We turn down roughly one in three. Cultural fit matters as much as fit on paper. The diagnostic is where that gets decided.

The Next Step

Let's find out if
Recovery is the right fit.

Every engagement begins with The Diagnostic. In around ten minutes we'll understand where the business really stands, determine whether Recovery is the correct route, and return a partner-reviewed report within 48 hours. If we're not the right fit, we'll tell you.

Begin Your Diagnostic Read the Recovery Case Study

The strongest businesses aren’t the ones that never encounter difficulty. They’re the ones that respond with clarity, discipline, and decisive action.