Not Sure What You Need?
Good.
Copyright © 2026 Business Money Saving Experts Ltd
Copyright © 2025. All Rights Reserved. BizSave is registered in England & Wales..
Company registration number 13128174, Information Commissioner's Office registration number ZA788036.
Business Rescue by BMSE is an independent referral partner and acts only as a lead generator helping users connect with business finance providers.
Our service is free to use and you are under no obligation to accept any of the recommendations you receive. Calls may be recorded for training and quality purposes.
For further information on how we utilise your data please see our privacy policy.
You don’t need to diagnose the business before speaking to us.
Tell us what’s happening.
We’ll start there.
Giving businesses time to breathe...
30-minute confidential consultation | No obligation | Specialist professional support
#1 HMRC or VAT Arrears
It normally starts with something much more familiar.
#2 Suppliers Chasing
Important relationships are becoming strained.
#3 Multiple CCJs
Legal and credit pressure is building.
#4 Payroll Becoming Difficult
The business is struggling to meet its regular commitments.
#5 Existing Borrowing Unmanageable
Repayments are taking too much out of the business.
#6 Legal, or Winding-up Threat
The situation has become more urgent.
#7 Personally Guaranteed Debt
You’re worried about where the company ends and your personal exposure begins.
#8 Can’t Keep Up With The Bills
There simply isn’t enough cash to meet everything when
it falls due.
Giving businesses
time to breathe...
Copyright © 2026 Business Money Saving Experts Ltdf Copyright © 2024. All Rights Reserved. BizSave is registered in England & Wales.
Company registration number 13128174, Information Commissioner's Office registration number ZA788036.
Business Rescue by BMSE is an independent referral partner and acts only as a lead generator helping users connect with business finance providers. Our service is free to use and you are under no obligation to accept any of the recommendations you receive. Calls may be recorded for training and quality purposes. For further information on how we utilise your data please see our privacy policy.
Money Reality:
Before deciding what to do about the business, it
helps to understand where it actually stands.
Your free 30-minute Business Reality Review is a
confidential conversation designed to help establish what’s happening and what routes may be worth
considering.
No promises. No pressure.
Start by understanding where you stand.
Running a Business
Under Pressure?
You don’t need to know whether you need restructuring, finance or insolvency.
Start with what’s actually happening.
For UK Limited Company Directors.
What’s Actually Happening In Your Business?
Business Reality:
Recognise The Situation?
Financial pressure rarely starts with the words
“I need an insolvency practitioner.”
It normally starts with something much more familiar.
You don’t need to diagnose the solution yourself.
That’s what the Business Reality Review is for.
Free - Confidential - No Obligation:
The Business Reality
Review.
#1 Tell Us What’s Happening
HMRC, suppliers, borrowing, cash flow, legal pressure - Tell us the reality.
#2 We Review The Reality
The circumstances of the business, its debts, pressures and current position can be discussed.
#3 Understand The Routes
Depending on your circumstances, there may be
different ways forward.
#4 You Decide
Understand the implications and decide what, if anything, you want to do next.
Sometimes The Underlying
Business Still Works.
The numbers just don’t work today.
What Does Your Money
Reality Look Like?
£84,275
Owed To
HMRC.
Owed By
Payroll
Customers.
Friday.
£127,000
£28,750
A profitable order book doesn’t necessarily mean there is enough cash in the bank today.
But business still trading.
But suppliers need paying now.
But there’s £11,000 available.
The First Conversation:
Talking About The Problem
Doesn’t Commit You To A Solution.
A lot of directors delay asking for help because they’re worried that speaking to someone means they’ve already decided to liquidate the company.
It doesn’t.
The purpose of the first conversation is to understand the situation.
Depending on the circumstances, possible routes may include:
HMRC Time to Pay
Potential arrangements to repay qualifying HMRC liabilities over an agreed period.
Informal Restructuring
Exploring whether creditors or existing commitments can be dealt with differently.
Company Voluntary Arrangement (CVA)
A formal arrangement that can allow an eligible company to repay creditors over time while continuing to trade.
Administration / Moratorium
Formal procedures that may be relevant in certain circumstances where protection and restructuring are required.
Alternative Finance
Where the underlying business remains viable, finance may sometimes form part of the solution.
Creditors’ Voluntary Liquidation (CVL)
Where continuing is no longer viable, an orderly closure may need to be considered.
You don’t need to know which one you need before you call.
Ignoring financial pressure rarely makes it easier to resolve.
If HMRC is chasing, suppliers are threatening action or the business can no longer meet debts as they fall due, getting appropriate professional input earlier can help you understand the routes available.
You don’t have to solve everything today.
But understanding the position is a sensible place to start.
How BMSE Works:
The Earlier You Understand
The Reality, More Time You
May Have To Deal With It.
Have You Signed Personal Guarantees?
This may affect your personal exposure if the company cannot meet the guaranteed debt.
Are You Worried About Your Home?
Don’t guess. The position depends on your circumstances, security and any guarantees you’ve entered into.
Will This Affect Your Credit?
That depends on the route taken and your individual
circumstances.
Can You Run Another Company?
In many circumstances directors can be involved in another company following a liquidation, but restrictions and rules can apply.
Director Review:
What Does This Mean
For Me Personallly?
Company debt and personal liability are not automatically the same thing.
But circumstances matter.
This Is Why The Reality Needs To Be
Reviewed Properly.
Don’t make decisions based on something you’ve read on Facebook or heard from
another business owner.
Business Reality Review:
We’re not here to sell you an outcome.
We’re here to understand the reality first.
Sometimes it means.
KEEP TRADING.
The underlying business may still have a viable future.
Sometimes it means.
RESTRUCTURE.
The business may need a different way of dealing with its liabilities.
Sometimes it means.
CREATE
BREATHING SPACE.
Certain formal, or informal routes
may provide time to asses what happens next.
Sometimes it means.
CLOSE
PROPERLY.
Where the business is no longer viable, an orderly closure may be the appropriate route.
“Rescue” Doesn’t Always Mean Saving The Company.
Free 30-Minute Business Reality Review:
Start With Whats
Actually Happening.
A few simple details will help us understand the
situation before the confidential conversation.
Step 1 of 2
Your Business Reality
Step 2 of 2
Where Should We Contact You?
But more importantly:
Free initial 30-minute consultation
Confidential
No obligation
Specialist professional support
Where your situation requires specialist restructuring or insolvency advice, we’ll help connect you with an appropriate professional who can discuss the relevant options with you.
Specialist Support When It’s Needed.
Your Reality:
What Happens Next.
The underlying business may still have a viable future.
#1
We Review What You’ve Told Us.
#2
You’ll Speak To Someone.
You’ll have a confidential conversation about what’s happening and the pressures you’re dealing with.
#3
The Possible Routes Explained.
Where appropriate, relevant restructuring, finance or insolvency routes can be discussed.
#4
You Decide What Happens Next.
There is no obligation to proceed simply because you’ve had the initial conversation.
Do I have to liquidate my company?
No. The purpose of the initial review is to understand the circumstances. The appropriate options depend
on the company’s financial position and other factors.
Can HMRC debt be dealt with?
There are circumstances where HMRC may agree a
Time to Pay arrangement, while more serious financial difficulty may require other options to be considered.
What if I’ve signed a personal guarantee?
Tell the specialist. Personal guarantees can create
personal liability and need to be considered when
reviewing the position.
Is the initial conversation confidential?
Yes, subject to the professional/legal obligations
applying to the adviser handling the matter.
Can the company continue trading?
Potentially. Whether continuing to trade is appropriate depends on the company’s circumstances and the directors’ duties.
What if I need to close the company?
Then the relevant insolvency route and its implications can be explained so you can make an informed decision.
Can You Run Another Comapny?
In many circumstances directors can be involved in another company following a liquidation, but restrictions and rules can apply.
FAQ:
Questions Directors Ask.
Your Business Reality:
You Don’t have To Solve Everything Today.
Start by understanding where you stand.
HMRC
Suppliers
Loans
CCJs
Cash flow
Personal guarantees
Whatever is happening, the first step is understanding the reality and what routes may be available.
Running A Business Under Pressure?
30-minute confidential consultation
No obligation
Specialist professional support
Not Sure What
You Need?
Good.
#1 HMRC or VAT Arrears
#2 Suppliers Chasing
#3 Multiple CCJs
#4 Payroll Becoming Difficult
#5 Existing Borrowing
#5 Unmanageable
#6 Legal, or Winding-up Threat
#7 Personally Guaranteed Debt
#8 Can’t Keep Up With The Bills
#1 Tell Us
What’s happening right now.
#2 We Review
The pressures and current position.
#3 Understand The Routes
What options may be available.
#4 You Decide
What, if anything happens next.
Before deciding what to do, it helps to understand where the business actually stands.
Your free 30-minute review starts with what’s happening — not with a predetermined solution
No promises. No pressure.
Start by understanding where
you stand.
NO PROMISES.
NO PRESSURE.
START BY
UNDERSTANDING WHERE YOU STAND.
Sometimes The
Underlying
Business
Still Works.
Owed To HMRC.
Payroll Friday.
WHAT DOES YOUR MONEY REALITY LOOK LIKE?
Some directors delay asking for help because they think the first conversation means they’ve already decided to liquidate.
IT DOESN’T.
The first conversation is about
understanding the situation.
Possible routes may include:
- HMRC Time To Pay
- Informal Restructuring
- Company Voluntary
- Arrangement (CVA)
- Administration /
- Moratorium
- Alternative Finance
- Creditors’ Voluntary
- Liquidation (CVL)
THE RIGHT ROUTE DEPENDS ON THE REALITY.
HMRC chasing?
Suppliers threatening action? Struggling to meet debts when due?
Getting appropriate professional input earlier can help you understand the routes available.
The Earlier You Understand It,
The More Time You May Have
To Deal With It.
Sometimes it means.
KEEP TRADING.
Sometimes it means.
RESTRUCTURE.
Sometimes it means.
CREATE
BREATHING SPACE.
Sometimes it means.
CLOSE PROPERLY.
WERE’RE NOT HERE TO SELL YOU AN OUTCOME.
WE’RE HERE TO UNDERSTAND THE REALITY FIRST.
What Does This Mean For Me Personallly?
DON’T GUESS.
GET YOUR REALITY REVIEWED PROPERLY.
Free 30-Minute Business Reality Review:
A few simple details will help us understand the situation before the confidential conversation.
Takes around 30 seconds.
But more importantly:
Free 30-minute consultation
Confidential
No obligation
Specialist professional support
Step 1 of 2
Your Business Reality
Start With Whats
Actually Happening.
Step 2 of 2
Where Should We Contact You?
Start With
Whats Actually Happening.
Your information is treated confidentially and handled in accordance with our Privacy Policy.
Your Reality:
What
Happens Next.
#1
We Review.
What You’ve Told Us.
#2
You’ll Speak To Someone.
About what’s happening.
#3
Understand The Routes.
Where appropriate.
#4
You Decide.
No obligation to proceed.
Where specialist restructuring or
insolvency input is appropriate, you can be connected with relevant professional support.
FAQ:
Questions Directors Ask.
Can the company continue trading?
Potentially. Whether continuing to trade is appropriate depends on the company’s circumstances and the directors’ duties.
What if I need to close the company?
Then the relevant insolvency route and its implications can be explained so you can make an informed decision.
Can You Run Another Comapny?
In many circumstances directors can be involved in another company following a liquidation, but restrictions and rules can apply.
Do I have to liquidate my company?
No. The purpose of the initial review is to understand the circumstances. The appropriate options depend
on the company’s financial position and other factors.
Can HMRC debt be dealt with?
There are circumstances where HMRC may agree a Time to Pay arrangement, while more serious financial difficulty may require other options to be considered.
What if I’ve signed a personal guarantee?
Tell the specialist. Personal guarantees can create personal liability and need to be considered when reviewing the position.
Is the initial conversation confidential?
Yes, subject to the professional / legal obligations applying to the adviser handling the matter.
First, understand where you stand.
HMRC
Suppliers
Loans
CCJs
Cash flow
Personal guarantees
Whatever is happening, the first step is understanding the reality and what routes may be available.
30-minute consultation
No obligation
Specialist professional support
Confidential