Introducing “The Manual of Business Debt Negotiation Tactics: Your Guide to Debt Resolution & Business Renewal—Actionable Strategies for Challenging Times”.

Written by myself, Razman Salleh, with over 20 years of real-world experience in debt negotiation and business recovery.

As a business consultant who has personally navigated these exact storms—from facing loan rejections to orchestrating comebacks in high-pressure boardrooms—I have distilled my expertise into this manual. Believe me, this isn't some vague advice; it's a precise, hands-on roadmap designed for people like you, empowering you to act immediately and effectively, and saving you thousands in advisor fees.

Spanning 13 chapters outlining proven methods and more than 200 pages comprising tips, tricks, and techniques for real-world application, this ebook delivers clear insights through these ready-to-use tools among other :

Wondering what causes business debt problems? Uncover the root causes and stop them before they escalate, giving you control over your finances.

Struggling with underperforming businesses? Learn targeted strategies to identify issues and revitalize your operations for sustainable growth.

Confused about what creditors really care about? Gain a deep understanding of their perspective and priorities to build trust and negotiate from a position of strength.

Not sure when creditors are likely to negotiate? Discover triggers like early signs of distress and proactive approaches to strike at the perfect time and secure better terms.

Overwhelmed by negotiation strategies with banks? Master applications for loan types, such as rescheduling payments or restructuring term loans (e.g., for equipment or expansion) and converting revolving credit facilities to ease your cashflow.

Stressed about using deadlines and cashflow cycles? Find out how to leverage them effectively for smarter timing and results.

Wondering when to pause payments? Get expert guidance on the right moments to do so without damaging relationships.

Think writing a proposal is daunting? Not anymore—access templates for the perfect tone, plus tips on one-page vs. formal proposals, mandatory attachments, and ready-made business turnaround plan samples to convince bankers fast.

Ever think your business is recession-proof? Debunk the myth and learn why SMBs are structurally vulnerable, so you can prepare and protect your operations.

Fed up with conflicting advice? Dive into debunking common myths about default and bankruptcy to cut through the noise and make smart choices.

Want real-world examples? Explore rich case studies, including my past client 'The Construction Firm's Diverse Debts', to enhance your understanding and apply proven tactics.

Dealing with scattered debts from trade and bank commercial loans? Discover how to build your own 360-degree debt picture for a complete, actionable overview.

Not all creditors are equal, right? Find out how prioritizing them helps you allocate limited resources effectively and negotiate with precision.

Bank asked for a proposal? We show you exactly what a Business Turnaround Proposal plan looks like, with step-by-step templates to craft a winning response and regain control.

Struggling to establish mutual trust in negotiations? Learn to leverage anything that gives you an advantage, understand mutual interests, and master the skills of the world's best negotiators—it's not just about power, but building respect for successful outcomes.

And as a BONUS, unlock 7 more tools to supercharge your journey—inside BONUS SECTION: SPECIAL SCENARIOS & RESOURCES:

• Tactics for Shariah-Compliant Financing-Adapt negotiation tools for Murabahah, Ijarah, Istisna’, and Tawarruq; navigate ethical obligations; clear common misconceptions; and identify key leverage points in Islamic finance.
• Handling Legal Action and Court Threats- Stay calm when sued; master basics of responding to letters of demand and summons; and decide when to settle or fight.
• Negotiation Scripts & Templates- Use ready-made scripts for first contacts, proposal calls, and email/letter templates tailored to different creditor types.
• Quick Reference – 20 Do’s and Don’ts of Debt Negotiation- Get a concise checklist to avoid pitfalls and maximize your negotiation success.
• Turnaround Financing Template (Appendix E): Access a customizable template to restructure financing and stabilize your cashflow quickly.
• Business Turnaround Plan Template - Build a comprehensive plan with proven steps to revive your business and present it effectively.
• Negotiations Audit Checklist -Evaluate your negotiation strategy with this tool to identify strengths and gaps.
• Selected Government/Business Credit Counselling Agencies -Discover agencies and effective ways to negotiate with them for additional support.
• Implement it all on Day 1, solo—don't let this opportunity vanish!