Business Recovery
Business Under Pressure? There's Usually a Way Back to Solid Ground.
We review the real numbers behind a struggling business, find out exactly where it's losing money, and build a practical plan to fix it — whether that's thin margins, rising costs, cash flow pressure, or tax arrears with Inland Revenue.
Is This Where Your Business Is Right Now?
Most businesses under pressure are not failing — they're trading at a margin that was never quite enough to cover costs, wages and tax at the same time, and nobody can say exactly where the money is going. This is for business owners who want to find out, with real numbers, whether there's a workable way through.
The business is busy, but the cash isn't there: Revenue looks fine on paper, but margin keeps shrinking and nobody can say exactly why.
Costs have crept up and nobody can pin down where: Wages, overheads or supplier costs have grown faster than revenue, and the reasons aren't obvious from the accounts alone.
You're falling behind on tax, rent or supplier payments: PAYE, GST, rent or trade creditors are slipping, and the gap keeps getting harder to close.
Compliance is covered — the operational picture isn't: Your returns are accurate and filed on time, which is exactly what that work is for. Finding where the business is actually leaking money is a different exercise, outside the scope of a compliance engagement.
You want a credible plan before deciding anything: Whether that means renegotiating with Inland Revenue or creditors, raising capital, or simply knowing if the business can trade through it.
How We Approach Business Recovery
We Find Where the Money Is Leaking
We go past the accounts to the real operational numbers — hours worked vs hours billed, pricing vs cost, margin by client or site — to find out exactly where the business is losing money.
A Plan Built on Evidence
Every recommendation — a cost cut, a pricing change, a process fix — is backed by your own numbers, not a generic turnaround template.
Alongside Your Accountant
We build the operational and cash flow case. Your accountant keeps handling your filing and tax position — we don't replace either of you.
How It Works
A Cash-Flow-Led Path to a Working Recovery Plan
Every step is built on your real numbers, not a generic turnaround template.
Confidential Review
We review your financials and how the business actually runs — bank activity, margins, costs, pricing — to find out what's really happening, not just what the accounts suggest.
Find the Leak, Build the Plan
We pinpoint exactly where the business is losing money — pricing, costs, unbilled work, process gaps — and build a practical, costed plan to fix it, including a proposal to Inland Revenue or creditors if arrears are part of the picture.
Implement & Keep It on Track
We help put the plan into action — new controls, reporting and renegotiated terms where needed — and stay alongside you until the business is back on solid ground.
Who It's For
Situations We Help Businesses Work Through
Every case is different, but these are the moments that usually bring an owner to us.
Margins That Don't Add Up
Revenue looks steady, but profit keeps shrinking and nobody can point to exactly why.
Tax or Creditor Pressure
Behind on PAYE, GST, rent or supplier payments, with an existing arrangement that isn't actually reducing what's owed.
Trading Out vs Winding Up
A genuine decision point: can the business realistically earn its way through, backed by numbers either way.
Advisory Boundary & Partnership
Where We Fit In
AML Commercial is a licensed Financial Advice Provider (FSP 714331). We review the numbers, find out where the business is losing money, model the turnaround, and negotiate with Inland Revenue or creditors where that's part of the picture. We are not your tax agent, and we don't provide tax, legal, or insolvency advice — your accountant stays responsible for your filing and tax position, and for anything involving director liability or insolvency, we'll always point you to independent legal advice. Everything is done in partnership with your existing accountant, not around them.
If tax arrears are part of the picture and the business has enough property or asset equity to clear them outright, a tax debt loan may be the simpler route — ask us and we'll point you to whichever fits.
FAQs
Frequently Asked Questions
What exactly do you look at?
The real operational numbers behind the business — margins by client or site, pricing against cost, hours worked against hours billed, where costs have crept up — not just what the annual accounts show. That's what tells us where the money is actually going.
Do we need to already be in serious trouble to come to you?
No. Some businesses we see are close to running out of options; others just know their margin isn't what it should be and want it found and fixed before it becomes a bigger problem. The review works the same way either way.
Does this replace my accountant?
No. We build the operational and cash flow case and lead on fixing what's broken; your accountant keeps preparing and filing your accounts and tax returns, and stays your tax agent throughout. We work alongside them, not around them.
What does fixing it actually involve?
Whatever the review turns up — repricing a contract, tightening a cost, putting in a weekly reporting routine, renegotiating a tax or supplier arrangement, fixing a process that's quietly losing money. We help put it in place and stay involved until it holds.
What if tax arrears or a creditor arrangement are part of the problem?
That's common, not separate from the rest of it. We build the evidence and lead that negotiation too — with Inland Revenue or a creditor — working alongside your accountant throughout.
What happens once the business is back on track?
Once the pressure is off and the numbers are solid again, we can help arrange the next stage — typically a commercial loan refinance secured against business or property assets — through AML Commercial's own lending relationships.
Is our information kept confidential?
Yes. Everything you share with us is used only to prepare your case, and is not shared beyond your accountant and, where relevant, a lender, without your authority.
What if we'd rather just clear a tax debt in one go?
If the business has enough property or asset equity, a loan to pay off the arrears in full is sometimes the simpler option — we also arrange tax debt loans for businesses in that position. Talk to us and we'll point you to whichever path actually fits.
Business Under Pressure?
Talk it through confidentially with Kundan before you decide anything — most of this is more workable than it feels from the inside.
- A confidential review of your real numbers, to find out exactly where the business is under pressure.
- A practical plan built on evidence, not guesswork — covering pricing, costs, and any tax or creditor arrangements that need to change.
- Support through implementation and negotiation, and a path to an exit refinance once the business is back on track.