As a general advice for Short term scenario: - Reassess Working Capital including doubtful receivables. - Reassess revenue guidance / forecast / order book - Re-Project availability of liquidity in worst case scenario and in normal scenario - Based on worst case scenario - assess your credit requirement, tenure, repayment terms, prepayment benefits. - Projections should factor in all unfavourable possibilities - that can give comfort to the lenders regarding debt servicing. PS: Views are fully and completely personal and not of the group or organisation I work for.

First we should recognize that negotiating extended terms is an act of strength and not weakness. + Negotiating is better than default. + Simulate your cashflows. + Make realistic repayment commitments. + Consider smaller over balloon repayments. + Do not corner yourself.

1. Assess Your Cash Flow Needs and Plan Ahead a. Conduct a detailed cash flow analysis to understand your specific needs. b. Identify exactly how much additional time you need to meet your cash obligations. 2. Prepare Supporting Documentation a. Prepare financial documents, including income statements, cash flow projections, and balance sheets. b.Highlight any strong points, such as improving revenue trends or upcoming receivables, to demonstrate your business’s viability. 3. Be Transparent and Build Trust a.Reach out to your lenders proactively. Being open and transparent about your challenges builds trust. b.Explain the specific reasons behind the cash flow issues, like seasonal fluctuations, one-time expenses, or slow customer payments.

En momentos de presión financiera, negociar no solo es una cuestión de números, sino de confianza y comunicación estratégica. Al presentar un plan bien fundamentado y proyecciones realistas, estamos mostrando al acreedor que entendemos nuestra situación y que tenemos un enfoque proactivo para estabilizar el negocio. Este tipo de negociación es una oportunidad para fortalecer la relación y reafirmar que, como socios financieros, buscamos un beneficio mutuo. En última instancia, la extensión de los plazos de crédito es una muestra de flexibilidad y apoyo mutuo, reforzando la relación a largo plazo en un momento crítico.

Propose a repayment plan that gradually increases over time (matching your expected cash flow), or consider offering a specific, achievable repayment extension based on your peak revenue periods (emphasising that this is a short term measure) ensuring that you’re not asking to reduce the debt but only to shift the timing to align with your strongest cash inflows. This way, they see it as a temporary flexibility rather than a long term adjustment, making it easier to agree without feeling they’re taking on extra risk.

Pour convaincre un prêteur d'accorder un crédit prolongé afin de stabiliser votre trésorerie, commencez par préparer un dossier solide incluant vos états financiers et des prévisions réalistes. Expliquez clairement votre besoin de financement, en mettant en avant l'impact positif sur votre entreprise et en soulignant votre bon historique de remboursement. Proposez un plan de remboursement réaliste et, si possible, offrez une garantie. Mettez également en avant les bénéfices à long terme d'une bonne relation avec le prêteur. Enfin, soyez prêt à répondre aux questions sur la gestion des risques.

-Análise do fluxo de caixa e dos ciclos financeiros : Avalia detalhadamente o fluxo de caixa e os ciclos, garantindo as necessidades e capacidade de pagamento; -Plano de pagamento estruturado : Propor cronograma de pagamento realista, com prazos que acompanham o ciclo financeiro e trazem confiança aos credores; -Histórico e pontualidade : Destaco o histórico de pagamentos pontuais e o relacionamento de confiança construído com os credores; -Compromisso com a parceria : Reafirmamos nosso comprometimento em manter uma relação sólida e de longo prazo, mesmo diante de desafios; -Transparência e clareza : Com essa abordagem aberta e fundamentada, buscamos acordos que ofereçam segurança para ambos, especialmente em períodos de pressão financeira.

To negotiate extended credit terms with lenders, I would present a clear, honest picture of the business's financial health, demonstrating future growth potential. Emphasizing a solid repayment plan, offering collateral, and maintaining open communication can build trust, fostering mutually beneficial terms during challenging times.

Considero fundamental manter uma abordagem aberta e colaborativa com os credores. O primeiro passo é analisar cuidadosamente o fluxo de caixa e identificar os principais gargalos, buscando demonstrar aos credores que há um plano de recuperação em andamento. Na negociação, alinhe expectativas e explore alternativas, como prorrogações de vencimento ou parcelas menores. Transparência sobre as causas das dificuldades e o comprometimento com o cumprimento dos novos prazos fortalecem a confiança e criam uma base para acordos mutuamente vantajosos.