Obligation review
A clear summary of what your business owes, to whom, and when.
Business Debt Consultation & Rescheduling
Helping companies review their own repayment obligations, organize documents, prepare repayment or settlement proposals and coordinate authorized discussions with banks and creditors.
What we do
When repayments become difficult, a clear and early plan matters. Univara helps your business understand its position, prepare the right documents and approach banks and creditors with a realistic, well-organized proposal.
Cash-flow assessment
Review what the business can realistically repay, and over what period.
Document preparation
Organize statements, agreements and supporting financial documents.
Repayment proposals
Prepare structured repayment or rescheduling proposals for creditors.
Settlement proposals
Prepare settlement proposals where appropriate.
Creditor coordination
Coordinate authorized discussions with banks and creditors on your behalf.
Best suited for
Companies working through their own bank or creditor repayment obligations.
- Businesses facing cash-flow pressure on loans, facilities or supplier balances
- Companies that want to approach creditors early, before issues escalate
- Owners who need an organized view of all obligations in one place
How it works
Confidential consultation
Understand your situation and goals.
Review and plan
Assess obligations, cash flow and documents.
Prepare proposals
Build repayment, rescheduling or settlement proposals with you.
Coordinate discussions
Support authorized discussions with banks and creditors and keep you updated.
How we work
Confidential
Your financial information is kept private and used only for the agreed purpose.
Authorized
We act only with your written authorization.
Realistic
Proposals are based on what your business can actually sustain.
Transparent
Clear updates at every stage.
Common questions
Can you guarantee a rescheduling or settlement?
No. Any change to terms is decided by the bank or creditor.
Will you speak to our bank for us?
Yes, with your written authorization and within the agreed scope.
What documents will we need?
Typically facility agreements, account statements, recent financial statements and a list of obligations. We confirm the exact list at the start.
Is the first conversation confidential?
Yes.
Facing pressure on your repayments?
Speak to us early. A clear plan gives you more options.