Economic fluctuations, supply chain disruptions and exchange rate risk in SMEs cash flow<\/strong> And debt service<\/strong> creates direct pressure on it. Restructuring<\/strong> And concordat<\/strong>, while maintaining the business's operations, the debt burden predictable<\/strong> This guide provides a practical framework for applying for bankruptcy and the steps to be taken before businesses in Alanya are caught up in the enforcement and bankruptcy process.<\/p>\n Due debts constant rotation<\/strong> and short-term resource dependence<\/p>\n<\/li>\n Pursuit\/default<\/strong> increase in the number of checks and bills, deterioration in the return rates<\/p>\n<\/li>\n Even though gross profit is positive operating cash flow<\/strong> negative trend<\/p>\n<\/li>\n Bank limits are full, insufficient collateral<\/strong> and a jump in interest burden<\/p>\n<\/li>\n Supplier pressure, risk of losing critical employees and customers<\/p>\n<\/li>\n<\/ul>\n Early detection of financial stress, pre-trial voluntary restructuring<\/strong> provides the most suitable ground for.<\/p>\n<\/blockquote>\n Voluntary restructuring<\/strong>, with creditors without unanimity<\/strong> It aims to spread the debts over the maturity period, regulate the interest rates and revise the collaterals with frameworks that can progress in the future. Due Diligence:<\/strong> Cash flow, debt inventory, collateral map, profitability analysis<\/p>\n<\/li>\n Business Plan and Projection:<\/strong> 12\u201336 month income-expense, investment and stock policy<\/p>\n<\/li>\n Creditor Segmentation:<\/strong> Bank\/financial, supplier, public, other<\/p>\n<\/li>\n Negotiation Packages:<\/strong> Maturity extension, interest reduction, collateral strengthening, partial waiver<\/p>\n<\/li>\n Contract and Closing:<\/strong> Written agreement of new conditions, automatic mechanisms in case of violation<\/p>\n<\/li>\n<\/ol>\n Concordat<\/strong>, the debtor's relationship with his creditors through the court legal protection<\/strong> The aim is to ensure that debts are paid on a reasonable schedule while keeping the business alive.<\/p>\n Temporary respite:<\/strong> It is provided with the application; seizures and pursuits are stopped, interim injunction<\/strong> creates an effect.<\/p>\n<\/li>\n Definite deadline:<\/strong> It is provided with files demonstrating the feasibility of the project; the concordat commissioner supervises the processes.<\/p>\n<\/li>\n Project:<\/strong> With maturity\/installment\/discount combinations, cash flow and collateral structure realistic<\/strong> should be.<\/p>\n<\/li>\n<\/ul>\n Financial statements<\/strong> (last 3 years + interim period), trial balance and debt inventory<\/p>\n<\/li>\n Creditor lists<\/strong> (amount, collateral, priority), public debt statement<\/p>\n<\/li>\n Cash flow projection<\/strong> And business continuity plan<\/strong><\/p>\n<\/li>\n Asset inventory<\/strong> (stock, machinery, real estate, trade receivables)<\/p>\n<\/li>\n Concordat project<\/strong> (recommended rate\u2013term, discount, guarantees)<\/p>\n<\/li>\n Independent auditor\/financial analyst<\/strong> reports (if any)<\/p>\n<\/li>\n<\/ul>\n Liquidity crunch is temporary<\/strong> and if the customer portfolio is strong: Out-of-court restructuring<\/em> + credit collateral architecture<\/strong><\/p>\n<\/li>\n Increased pressure to follow<\/strong>If cash generation capacity is limited: Concordat<\/em> with grace period protection<\/strong> and regular payment plan<\/p>\n<\/li>\n Operational problem is big<\/strong> (inefficient line, unnecessary store\/branch): Structural cost reduction<\/strong> + focused on core business mini transformation<\/strong> plan<\/p>\n<\/li>\n<\/ul>\n Data-driven<\/strong> approach: Order flow, margin, cancellations\/returns, inventory turnover<\/p>\n<\/li>\n Collateral map:<\/strong> Balance of pledge, mortgage, surety; upper guarantee<\/em> suggestions<\/p>\n<\/li>\n Payment discipline:<\/strong> Short-medium term grace period + gradual installments<\/strong> plan<\/p>\n<\/li>\n Triggers:<\/strong> Linked to indicators such as exchange rate\/raise, sales target, collection rate conditional discounts<\/strong><\/p>\n<\/li>\n Communication:<\/strong> Central coordination, consistent messaging and update reports<\/strong><\/p>\n<\/li>\n<\/ul>\n Respite protection<\/strong> should not be abused; collusive transactions should be avoided.<\/p>\n<\/li>\n Priority receivables<\/strong> The plan for (employee, alimony, some public receivables) should be handled separately.<\/p>\n<\/li>\n Secured creditors<\/strong> and valuation and sale\/re-collateralization options require reasonable construction.<\/p>\n<\/li>\n Contract counterparties<\/strong> and termination\/adaptation risks should be planned; minimum service<\/strong> items are recommended.<\/p>\n<\/li>\n Corporate governance:<\/strong> Regular reporting to the Commissioner and the court, transparency<\/strong> And realistic assumptions<\/strong> basis.<\/p>\n<\/li>\n<\/ul>\n On Excel optimistic projections<\/strong>; concealing true cash-generating capacity<\/p>\n<\/li>\n More than one claim to the same creditor, inconsistent<\/strong> offer<\/p>\n<\/li>\n Collateral\u2013default provisions written<\/strong> not to secure<\/p>\n<\/li>\n Stock and assets<\/strong> to misrepresent one's values<\/p>\n<\/li>\n During the grace period new debt discipline<\/strong> not establishing (lack of prioritization)<\/p>\n<\/li>\n<\/ul>\n For SMEs in Alanya debt\u2013cash<\/strong> modeling the balance with realistic assumptions, banks and suppliers<\/strong> We are negotiating a workable plan with the concordat. file and project<\/strong> We manage the preparation, commissioner communication, and court processes with a transparent schedule. Our goal is to continuity of the business<\/strong> And debt sustainability<\/strong> is to be paid in this manner.<\/p>","protected":false},"excerpt":{"rendered":" \u0130cra\u2013\u0130flas\u2019ta Yeniden Yap\u0131land\u0131rma ve Konkordato: KOB\u0130\u2019ler \u0130\u00e7in Yol Haritas\u0131 (Alanya Rehberi) Ekonomik dalgalanmalar, tedarik zinciri k\u0131r\u0131lmalar\u0131 ve kur riski; KOB\u0130\u2019lerde nakit ak\u0131\u015f\u0131 ve bor\u00e7 servisi \u00fczerinde do\u011frudan bask\u0131 yarat\u0131r. Yeniden yap\u0131land\u0131rma ve konkordato, i\u015fletmenin faaliyetini korurken bor\u00e7 y\u00fck\u00fcn\u00fc \u00f6ng\u00f6r\u00fclebilir bir plana ba\u011flamay\u0131 ama\u00e7lar. Bu rehber, Alanya\u2019daki i\u015fletmeler i\u00e7in icra\u2013iflas s\u00fcrecine yakalanmadan \u00f6nce at\u0131lacak ad\u0131mlar\u0131 ve […]<\/p>","protected":false},"author":1,"featured_media":765,"comment_status":"closed","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-547","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aksel-hukuk-hukuk-ve-danismanlik-hizmeti"],"acf":[],"yoast_head":"\n1) In Which Situation Should I Take Action?<\/h2>\n
\n
\n
2) Out-of-Court Restructuring (Out-of-Court Restructuring)<\/h2>\n
Steps:<\/strong><\/p>\n\n
3) What is Concordat? When Does It Come to the Agenda?<\/h2>\n
\n
4) Concordat Application File (Basic Content)<\/h2>\n
\n
5) Strategy: Which Path Should I Choose?<\/h2>\n
\n
6) Supplier and Bank Negotiations: Practical Tips<\/h2>\n
\n
7) Legal Protection and Risks<\/h2>\n
\n
8) Common Mistakes<\/h2>\n
\n
9) Why Aksel Mediator & Law Firm?<\/h2>\n