Liquidity and cash-flow management

In times of financial distress, cash is survival. Liquidity and cash-flow challenges are often the first visible sign of deeper operational issues and can rapidly erode stakeholder confidence if left unaddressed. At BM&T, we act swiftly and decisively to stabilise your organisation’s liquidity, restore cash control and build transparency across your financial operations.

Our approach combines forensic insight with hands-on intervention, helping businesses gain immediate visibility of their cash position and implement sustainable processes to manage working capital. Whether navigating sudden revenue disruption, lender withdrawal or accelerated outflows, our expert teams bring clarity and calm to cash crises, empowering leadership to regain control, rebuild trust and unlock longer-term resilience.

Key challenges we address

Cash runway erosion: Immediate intervention when businesses are days or hours from running out of cash.
Loss of financial control: Re-establishing visibility, rigour and discipline over cash-management processes.
Lender and supplier pressure: Rebuilding trust through transparent forecasting, proactive communication and credible recovery plans.

Our approach

Rapid cash assessment: We immediately stabilise the situation with a detailed 13-week cash-flow forecast, clarifying available liquidity, identifying vulnerabilities and highlighting immediate risks.
Working capital optimisation: We scrutinise receivables, payables, inventory and contractual obligations to release trapped cash and prioritise essential payments that sustain operations.
Short-term stabilisation: We introduce cash controls, approval mechanisms and payment prioritisation aligned to business-critical needs, enabling swift and structured cash preservation.
Transparent stakeholder engagement: We prepare communication strategies and reporting tools that provide creditors, lenders and investors with confidence in the business’s ability to recover and manage liquidity effectively.
Long-term cash-flow discipline: We help establish sustainable cash governance frameworks, equipping your finance function with tools and insights for resilient forecasting and scenario planning.

Why BM&T?

Operational insight meets financial precision: Our interventions are rooted in deep operational understanding, not just spreadsheet modelling.
Immediate, hands-on expertise: Small, experienced teams act with urgency and authority, bringing clarity when it's most needed.
Pre-insolvency ethos: We prioritise rescue and turnaround over formal insolvency, protecting value and relationships.
Cross-border cash-flow mastery: We manage complex, multi-jurisdictional liquidity needs with sensitivity to cultural and legal nuances.
Trust-driven solutions: We align stakeholders with transparent, ethical practices, restoring confidence and enabling collaborative recovery.

BM&T supported Interfas, a French food-labelling business and subsidiary of a distressed US parent, through a period of commercial decline caused by lack of direction and support from HQ.

Interfas

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Bring clarity to your next step

Contact us today for a confidential discussion on how we can support your cash-flow recovery and unlock sustainable financial control.

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