
Business Turnaround Coaching.
Is a Term Loan Denial Due to Payment Delays Leaving You Blur, Helpless, and Desperately Searching for Extra Funding? End the Sleepless Nights and Anxiety—It's Time for the 'Solution'
You're lying awake at night, heart racing with anxiety, as another term loan gets denied because of those nagging payment delays. Everything feels like a blur—you're helpless, unsure how or where to even begin turning things around. You've been scouring everywhere for extra funding, from banks to investors, only to hit wall after wall. Your business is sinking under debt, your mind is a whirlwind of stress, and the thought of shelling out $500 a day for advisors feels like just another unattainable luxury. If this is your reality, know that you're not alone—thousands of entrepreneurs are trapped in this cycle of fear and frustration, watching their dreams erode day by day.
But here's the turning point: It's time to find the "Solution"—a straightforward, actionable guide that shows you EXACTLY how to reclaim control, with step-by-step tactics you can implement on Day 1, all by yourself, without breaking the bank.
“Revives. Rebuild.”
Running a business isn’t easy — especially when cash flow dries up, debt piles up, and the pressure feels unbearable.
As a consultant with over 20 years of experience helping SMEs navigate financial distress, negotiate with banks, and execute recovery plans that work.
My mission is simple: to help you fix what’s broken — fast, legally, and strategically.
Regain control and return to profitability — without losing what you’ve built.
Trusted by Business Owners in Their Most Critical Moments.
We were drowning in multiple loan repayments—five facilities, all heading into arrears. I was emotionally and mentally prepared to shut down the company.
— Farah A., Managing Director, Local Construction Company (Annual Revenue: >RM5M)
We were growing fast but hitting a wall—cash flow for expansion was tight, and capital expenditure was stalled. I had no idea which lender or facility suited us, and I didn’t want to end up with the wrong financing.
— Johan T., Owner, Private Healthcare Group (6 Clinics Nationwide)
I didn’t just need funding—I needed clarity. Sales were dropping, debt piling up, and I felt stuck in a loop. The coaching I received helped me rethink the way I made decisions, managed cash, and communicated with stakeholders.
— Malik R., Founder & CEO, FMCG Distributor (200+ Retail Clients)
Consulting.
Debt Negotiation & Restructuring
We handle the conversations with banks and creditors — so you don’t have to. From payment deferments to restructuring plans, we strive for solutions that buy you time and space to recover.
Business Turnaround Strategy
We analyze what’s not working, redesign your business model, and implement a clear recovery roadmap. You’ll stop guessing and start acting with clarity.
Crisis Coaching (1-to-1)
Personalized guidance through the storm. Ideal for directors or founders facing high-stakes decisions.
The Blog
Read more...When a business hits a rough patch, the immediate, often instinctive, reaction is to slash costs....Read more...MBA programs are incredible for teaching strategic frameworks, financial modeling, and leadership...Read more...Every business faces challenges, but some hit a wall. Sales plummet, cash flow dries up, and the...The Manual of Business Debt Negotiation Tactics: Winning Debt Negotiations Strategies for Small and Medium Business Owners.
Contact Me.
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!
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