Project completed for a food retail network with 3 locations
The company had 5 active credit lines with interest rates between 18% and 29% per year, and trade liabilities to suppliers exceeded 120,000 lei. Cash flow was unpredictable, and financial costs consumed 14% of revenue.
We conducted a complete audit of repayment capacity, centralized all maturities, and built a calculation table for effective costs. We identified 2 credit lines eligible for refinancing and negotiated debt rescheduling with suppliers.
We consolidated the credits into a single instrument with a 12% interest rate and implemented a prioritized supplier payment system. We created a monthly dashboard for monitoring liabilities and liquidity margin.
Financial costs were reduced by 41% in the first 6 months, and trade liabilities decreased to 48,000 lei. The company reported a 23% improvement in cash flow and avoided entering insolvency.