Corporate Debt and Loan Restructuring
We restructure your bank debts and credit limits with a professional perspective, tailored perfectly to your business cash flow.
We Make Your Credit Portfolio Manageable
Loans spread across multiple banks with varying interest rates and maturity structures strain your cash flow. With 18 years of banking experience, we analyze your portfolio and prepare a plan that reduces interest costs and aligns repayments with your revenue.
Not just term loans — revolving limits, letters of guarantee, factoring, and leasing are all evaluated from a holistic perspective. Partial decisions made without seeing the full portfolio usually create new problems.
Restructuring done before cash shortages begin, while planning growth investments, or when interest cycles shift offers far stronger negotiation conditions than restructuring during a crisis.
Our Service Scope
Credit restructuring is not a single step. We undertake all of the following services.
Credit Portfolio Analysis
Interest rates, maturities, and collateral structures across all banks are examined in a single table, and improvement potential is reported.
Interest & Maturity Optimization
High-cost loans are consolidated or repriced to reduce repayment pressure.
Bank Negotiations
We represent your company in restructuring talks, compare offers, and negotiate the most favorable terms.
Cash Flow Alignment
Repayment dates and amounts are rescheduled according to your actual revenue cycle; short-term liquidity risk is eliminated.
Collateral Management
Technical negotiations are conducted to release real estate and deposits that are blocked in excess.
Risk Score Improvement
Balance sheet improvements lead to positive credit rating revisions at banks, opening new doors.
Credit Restructuring Process: 4 Steps
We manage every step from the first meeting to signature. While you focus on your business, we sit at the table with the banks.
Situation Assessment
All credit files, interest rates, and cash flow tables are reviewed, and restructuring potential is reported.
Strategy Design
Consolidation, maturity extension, and interest conversion options are tested with cash flow models, and the most suitable plan is selected.
Bank Meetings
Banks are brought to the table individually; offers are compared, and the most favorable restructuring terms are secured.
Implementation & Follow-up
Contracts are signed, the cash flow model is put into action. Monitoring and support are provided for the first 3 months.
The Only Expert Who Knows the Bank's Side
Serkan Akbulak is a financial advisor with over 18 years of experience in corporate finance and credit management. He has personally experienced how credit committees think, how each file is evaluated, and where negotiation limits are drawn.
Serving a wide range from SMEs to large holding structures, Akbulak stands by companies in restructuring negotiations. His clients experience firsthand the difference of sitting at the table with an experienced expert.
Why Is Corporate Credit Restructuring So Critical?
The vast majority of businesses in Turkey use credit from multiple banks under different terms during growth. Over time, this portfolio becomes a fragmented, high-cost, and difficult-to-manage structure.
What Do You Gain With Restructuring?
- Interest costs drop: With a strengthened financial profile, banks become open to repricing. Average savings of 15–40% are possible.
- Cash flow relaxes permanently: When repayment schedules align with your revenue cycle, short-term liquidity risk disappears.
- New credit capacity opens: A cleaned balance sheet and freed collateral create room for growth financing.
- Bank relations normalize: A healthy relationship established in a negotiation environment provides advantages in future applications.
The Credit File Through a Banker's Eyes
Banks seek answers to three questions: Does the company have repayment capacity? Is management reliable? Is the plan realistic? With 18 years of banking practice, we prepare these answers in the institution's own language and structure the file according to credit committee expectations.
The Best Timing
Early restructuring offers much stronger negotiation conditions: act before cash shortages begin, while planning growth investments, or at the turning point of the interest cycle.
Which Businesses Can Apply?
- SMEs using commercial credit at multiple banks who want to reduce interest costs
- Production, textile, food, and agriculture businesses experiencing seasonal fluctuations
- Exporters using foreign currency credit and carrying exchange rate risk
- Companies seeking voluntary bank settlement before concordat
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