Corporate Finance & Insolvency
Restructuring, refinancing, business valuations, sales and recovery, steady hands for the most significant moments in a company's life.
Corporate finance and insolvency work covers the biggest decisions you make about your business: raising money, restructuring, buying or selling, and, when it is needed, finding a way through financial difficulty. At Stephens Cooke & Associates, we bring experienced, level-headed advice to each of these moments, so the numbers are right and the path forward is clear.
Whether you are growing, changing hands or under pressure, good decisions depend on understanding the real financial position and the options available. That is the work we do alongside business owners in Mullingar, Longford, Trim and Athlone.
How we help at the key moments
Each of these decisions carries higher stakes than the day-to-day. We bring the analysis to back the decision and the experience to anticipate what comes next.
- Recovery and restructuring, practical routes for a business under financial pressure, from cash-flow management to formal processes where they are warranted. See corporate recovery and debt restructuring.
- Protecting ownership, clear agreements between shareholders that prevent disputes and set out what happens when circumstances change. See shareholder agreements.
- Reshaping the company, restructuring your corporate structure for efficiency, succession or sale, in a tax-aware way. See company restructuring.
- An honest assessment, an independent business review that surfaces the issues and the opportunities you are too close to see.
- Knowing your worth, a defensible business valuation and sale so you sell at the right price, ready for due diligence.
- Easing the finances, debt refinancing to improve terms and free up cash flow, and bank negotiations with experienced advisors at the table.
A calm, supportive approach to financial difficulty
If your business is under financial strain, having the conversation early gives you choices. Cash-flow pressure, creditor demands or a difficult year are common, and rarely the end of the story.
We start by understanding the real position: what the business is worth, what it owes, and what it can sustainably support. From there we map the options, from restructured facilities to examinership for a viable company that needs breathing space. Where a solvent company is being wound up, a members voluntary liquidation can return funds to shareholders tax-efficiently.
Throughout, we explain things plainly and we do not push you towards any outcome. Our role is to give you the full picture and the confidence to act on it.
Joined-up advice across the practice
Corporate finance decisions rarely sit on their own. A sale triggers capital gains tax planning; a restructure has corporation tax consequences; a refinancing needs solid financial modelling and projections. Because we are a full-service practice, your corporate finance work is joined up with your tax and accounts.
If you are weighing up a significant decision or facing financial pressure, talk to us before anything is set in stone. Book a free consultation and we will help you understand your options clearly and without obligation.
Corporate Finance & Insolvency
Corporate Finance & Insolvency services
Explore every corporate finance & insolvency service we provide for businesses and individuals across the Midlands.
FAQs
Frequently asked questions
When should I get corporate finance advice for my business?
The best time is before a decision is final, when you are planning to raise finance, sell or buy a business, restructure ownership, or when cash flow is tightening. Early advice gives you more options and almost always a better outcome than waiting until a deadline or a difficulty has been forced on you.
Is talking to you about financial difficulty a sign my business is failing?
No. Many of the businesses we help through a difficult period go on to trade successfully for years. Pressure on cash flow is common and usually fixable. The earlier we look at it together, the more routes to recovery remain open, including refinancing, restructuring or a formal process where appropriate.
What is the difference between examinership, receivership and liquidation?
Examinership is a court-supervised rescue process that gives a viable company protection while it agrees a survival plan with creditors. Receivership is appointed by a secured lender to recover what it is owed. Liquidation winds a company up and distributes its assets. We help you understand which, if any, applies to your situation.
Do you handle members voluntary liquidations for solvent companies?
Yes. A members voluntary liquidation (MVL) is a tax-efficient way to wind up a solvent company and return funds to shareholders, often on retirement or after a sale. We coordinate the process and the related tax planning so you keep as much of the proceeds as possible.
Get in touch
Let’s talk about your business
Book a free, no-obligation consultation with one of our chartered accountants. We listen first, then show you exactly how we can help.