Vittpulse Advisory supports businesses facing cash flow stress, high leverage, or repayment challenges through structured debt restructuring and turnaround advisory. We work closely with promoters, management teams, and lenders to create practical, sustainable solutions that align repayments with actual cash generation.
What We Do
CMA Preparation
We prepare detailed CMA data and financial projections that accurately reflect business performance and future cash flows, forming the foundation for bank discussions and restructuring proposals.
Relationship Management with Banks & NBFCs
We act as a bridge between your business and lenders, supporting communication, documentation, and ongoing coordination with banks and NBFCs to ensure clarity and confidence.
Restructuring Proposals for Banks
We design comprehensive restructuring proposals covering revised repayment terms, interest restructuring, and facility re-alignment—tailored to lender requirements and business realities
Cash Flow–Based Repayment Planning
We align repayment schedules with realistic cash flow projections to ensure sustainability, reduce stress, and prevent recurring defaults.
Turnaround Strategy
Beyond restructuring, we help develop operational and financial turnaround strategies focused on cost rationalisation, working capital improvement, and profitability recovery.
Negotiation with Lenders
We support negotiations with lenders on repayment terms, moratoriums, interest restructuring, and covenant resets to achieve mutually workable outcomes.
Stress Management Support
We assist businesses in managing early stress indicators (SMA classification), improving compliance, strengthening reporting, and restoring financial discipline to stabilise operations.
How We Work
- CFO-led assessment and strategy
- Data-driven financial and cash flow analysis
- Structured documentation and lender-ready proposals
- Continuous coordination with banks and advisors
- Confidential and solution-oriented approach
Who This Is For
- Businesses facing cash flow or repayment stress
- Companies under lender pressure or SMA classification
- SMEs seeking restructuring or turnaround support
- Promoter-led businesses needing expert negotiation support
Why Vittpulse Advisory
We combine senior CFO experience with practical execution to deliver restructuring solutions that are realistic, credible, and lender-acceptable—focused on business survival and recovery.