At Navigate Business Recovery, we work with directors, business owners and individuals facing company insolvency concerns, HMRC arrears, creditor pressure, liquidator claims, Insolvency Service enquiries, bankruptcy threats, personal guarantees, Bounce Back Loan questions, Coronavirus Business Interruption Loan reviews and urgent enforcement action.
Every matter is different. Before any work starts, we will discuss the situation in confidence, identify the support required, complete onboarding checks, agree the scope of work and confirm the appropriate fee structure.
Our support is designed to provide clarity, continuity and practical guidance during difficult financial or insolvency related situations. The fee reflects the urgency, complexity, level of risk, responsibility, strategic input, speed of response and ongoing support required. It is not simply based on time spent.
Support areas
- Company Insolvency Support for Directors
- HMRC and Creditor Pressure Guidance
- HMRC Time to Pay Assistance
- Directors’ Investigation Defence
- Bounce Back Loan and Coronavirus Business Interruption Loan Reviews
- Liquidator Claims and Director Defence
- Bankruptcy and Personal Exposure Guidance
- Urgent Insolvency and Enforcement Response
1. Company Insolvency Support for Directors
This is for directors who want strategic oversight before matters become an active crisis.
It may be suitable where there are early warning signs, creditor pressure, cash flow concerns, HMRC arrears, Companies House issues, missed payments, supplier pressure, landlord concerns or uncertainty about the company’s financial position.
We help directors understand the immediate position, identify the key risks and work through the practical options available. This can include reviewing creditor pressure, considering whether the company can continue trading, looking at payment priorities and helping directors avoid decisions that may create personal risk later.
This may include:
- Light touch guidance to stay ahead of potential issues.
- Review of early warning signs and key documents.
- Support with letters from creditors, HMRC, Companies House or other parties.
- Practical guidance on director conduct and insolvency risk.
- Guidance on payment priorities and difficult creditor conversations.
- Monthly check ins to assess risk and next steps.
- Review of whether business rescue, restructuring or formal insolvency options may need to be considered.
- Liaison with accountants or other advisers where appropriate.
This is for directors who want clarity, control and calm in uncertain times.
2. HMRC and Creditor Pressure Guidance
This is for directors, business owners and individuals who are facing pressure from HMRC, trade creditors, lenders, landlords, suppliers or other parties seeking payment.
It may be suitable where a letter has arrived, formal action is being threatened, payment arrangements have been missed, or there is concern that the position may escalate if it is not handled carefully.
We can help you understand which creditors need to be prioritised, what should be said in correspondence, what information should be provided and how to avoid making promises that cannot realistically be kept.
This may include:
- Review of creditor demands and pressure points.
- Guidance on HMRC and creditor communication.
- Support with payment proposal positioning.
- Practical guidance on what information should be shared.
- Guidance on what should be held back pending further advice.
- Support with managing creditor deadlines.
- Guidance on trading risk and payment priorities.
- Practical risk reduction strategies.
- Liaison with creditors, accountants or other advisers where appropriate.
This is designed for situations where timing matters and early intervention can change the outcome.
3. HMRC Time to Pay Assistance
This is for companies and directors who need help preparing for HMRC Time to Pay discussions.
It may be suitable where VAT, PAYE, Corporation Tax or other HMRC liabilities have built up and the business needs to consider whether a realistic payment arrangement can be proposed.
A Time to Pay arrangement can be helpful, but only if the proposal is realistic, supported by proper information and capable of being maintained. We help clients approach HMRC in a structured and realistic way, rather than making promises that later fail and create further pressure.
This may include:
- Review of HMRC arrears.
- Support with preparing a Time to Pay proposal.
- Guidance on affordability and realistic payment levels.
- Review of cash flow and payment priorities.
- Support with preparing the background explanation.
- Guidance on what information HMRC may request.
- Review of previous payment arrangements or missed payments.
- Consideration of wider insolvency risk.
- Practical guidance on next steps if HMRC refuses a proposal or escalates action.
This is designed to help clients approach HMRC with a clear, credible and properly thought through position.
4. Directors’ Investigation Defence
This is for directors under formal or informal investigation, or facing Insolvency Service enquiries, Section 235 interview requests, director disqualification concerns, Bounce Back Loan questions or director conduct issues.
Investigation correspondence should be handled carefully. A rushed or inconsistent response can create problems later, especially where the same facts may be reviewed by more than one party.
We help directors review the background, identify the key risk areas, prepare a clear chronology, understand what documents may be needed and consider how best to respond.
This may include:
- Support with Insolvency Service enquiries.
- Preparation for Section 235 interviews.
- Director disqualification risk guidance.
- Review of director conduct issues.
- Detailed timeline and document review.
- Identification of key risk areas.
- Support with preparing a mitigation narrative.
- Structured response preparation.
- Guidance on what should and should not be said in correspondence.
- Liaison with insolvency practitioners, the Official Receiver, solicitors, accountants or other advisers where appropriate.
This is for directors who need structured defence, credibility and a clear plan.
5. Bounce Back Loan and Coronavirus Business Interruption Loan Reviews
This is for directors dealing with questions, concerns or investigations relating to Bounce Back Loans, Coronavirus Business Interruption Loans or other Covid support funding.
It may be suitable where there are concerns about the loan application, use of funds, turnover figures, multiple loans, director conduct, repayment issues or later questions raised by a liquidator, lender, the Insolvency Service or another party.
We help directors understand the facts, identify the risk areas and prepare a careful, consistent response strategy where questions have been raised.
This may include:
- Review of the loan background and timeline.
- Review of loan documentation and supporting records.
- Consideration of the company position at the time of application.
- Review of turnover figures and affordability issues where relevant.
- Review of use of funds and payment history.
- Identification of possible risk areas.
- Support with preparing a structured explanation.
- Guidance on consistency across liquidator, lender or Insolvency Service enquiries.
- Liaison with accountants, solicitors or other advisers where appropriate
This is designed to help directors deal with loan related questions in a careful, structured and consistent way.
6. Liquidator Claims and Director Defence
This is for directors, shareholders, connected parties or business owners who are dealing with claims, enquiries or demands from a liquidator, administrator, trustee or other office holder.
It may be suitable where issues have been raised around director loan accounts, misfeasance, preferences, transactions at undervalue, wrongful trading, company assets, dividends, payments to connected parties, books and records or creditor losses.
Liquidator claims can feel overwhelming, particularly where large sums are being claimed or where the director does not understand how the figures have been calculated. We help review the correspondence, understand the allegations, identify missing information and prepare a structured response strategy.
This may include:
- Review of liquidator correspondence.
- Director loan account review and strategy.
- Misfeasance allegation strategy.
- Preference issue review.
- Transaction at undervalue issue review.
- Review of company records and key documents.
- Detailed timeline and document review.
- Support with settlement and negotiation strategy.
- Structured factual response preparation.
- Liaison with liquidators, accountants, solicitors or other advisers where appropriate.
This is for clients who need careful handling, commercial judgement and a clear route forward.
7. Bankruptcy and Personal Exposure Guidance
This is for individuals, directors, guarantors and business owners dealing with bankruptcy threats, statutory demands, trustee in bankruptcy enquiries, personal guarantee claims, high value creditor pressure or personal financial exposure.
Bankruptcy risk can be deeply personal. It is rarely just about the debt. It may affect the family home, personal assets, business interests, directorships, professional standing and future financial options.
We can help you understand the pressure points, consider the creditor’s position, review settlement options, prepare income and expenditure information, identify documents that may be needed and consider whether urgent specialist legal input is required.
This may include:
- Bankruptcy risk guidance.
- Statutory demand response strategy.
- Personal guarantee risk guidance.
- Trustee in bankruptcy issue support.
- Review of creditor claims and pressure points.
- Support with preparing settlement proposals.
- Guidance on personal asset exposure.
- Support with income and expenditure information.
- Guidance on documents likely to be required.
- Liaison with creditors, trustees, solicitors, accountants or advisers where appropriate.
This is designed for situations where your future, your name and your finances all need protecting.
8. Urgent Insolvency and Enforcement Response
This is for urgent, high risk or complex matters where action may be needed quickly.
It may be suitable where there is a winding up petition, statutory demand, enforcement action, enforcement agents, freezing order, injunction, bank account disruption, landlord action, HMRC enforcement, multiple creditors, connected companies, reputational sensitivity or serious personal exposure.
In urgent situations, the first step is often to work out what needs to be dealt with immediately and what can wait. Not every issue has the same priority, and reacting to the loudest creditor is not always the right strategy.
Fixed fee support and scope
Fixed fee support can be discussed in confidence. Any agreed fee will depend on the facts, urgency, complexity, number of parties involved and agreed scope of work.
The support options shown on this page are indicative only. Fees are agreed only after an initial confidential discussion, completion of onboarding checks and agreement of the scope of work.
Once the appropriate support has been agreed, we will confirm the scope, fee, payment terms and next steps in writing.
What is not included
Unless expressly agreed in writing, our fixed fee support does not include Court applications, formal litigation, attendance at Court hearings, formal mediation, detailed forensic reconstruction of company records, preparation of formal expert reports, expert opinions, counsel’s fees, barrister’s fees, solicitor’s fees, insolvency practitioner fees, valuation fees, agent fees, Court fees, travel or other third party professional costs.
The fixed fee support also does not include work for additional companies, connected parties or separate individuals unless this has been agreed as part of the scope.
If additional work or third party professional input is needed, we will discuss this with you and agree the next steps separately.
Disclaimer
This page is for general information only and does not constitute legal advice, financial advice or insolvency advice specific to your circumstances. Every case depends on its own facts.
Where legal, tax, accounting, valuation or other specialist professional advice is required, we will discuss this with you and, where appropriate, work alongside the relevant professional advisers.
Every situation is different. To discuss which fixed fee support option may be suitable for you, please book a confidential meeting with Vee.