“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 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 "Solution" 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 (Appendix A): 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 (Appendix B): Stay calm when sued; master basics of responding to letters of demand and summons; and decide when to settle or fight.
• Negotiation Scripts & Templates (Appendix C): 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 (Appendix D): 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 (Appendix F): Build a comprehensive plan with proven steps to revive your business and present it effectively.
• Negotiations Audit Checklist (Appendix G):Evaluate your negotiation strategy with this tool to identify strengths and gaps.
• Selected Government/Business Credit Counselling Agencies (Appendix H): 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!

The Manual of Business Debt Negotiation Tactics: Your Roadmap to Financial Recovery

In this empowering guide, author Razman Salleh shares over 20 years of expertise to help you navigate business debt and achieve lasting recovery. The book is divided into three parts, with chapters outlined in easy-to-follow points. Packed with real-world examples, templates, and strategies, it's your go-to resource for turning challenges into opportunities.

  Part I: Understanding the Battlefield

•  Chapter 1: The Realities of Business Debt
  • Common causes of business debt 
  • How SMBs are structurally vulnerable 
  • Distinguishing good vs. bad debt 
  • Debunking common myths about default and bankruptcy
• Chapter 2: Knowing Your Enemy (and Allies): Understanding Creditors
  • Types of creditors and their motivations 
  • Loan structures: Conventional vs. Islamic finance in negotiation

  Part II: Preparing for Negotiation

•  Chapter 3: Diagnosing Your Financial Condition: The Internal Compass
  • Debt mapping: Identifying creditors and prioritizing obligations 
  • Cash flow forecasting: Projecting your future financial landscape 
  • Leverage identification: What assets or circumstances can you use?  
•  Chapter 4: The Treatment: Crafting Your Turnaround Plan
  • Comprehensive cost reduction strategies 
  • Revenue enhancement strategies 
  • Restructuring operational efficiencies 
  • The "Better Than Bankruptcy" principle and long-term viability 
• Chapter 5: Crafting Your Turnaround Narrative: The Art of Persuasion
  • The elements of a compelling narrative 
  • Tailoring your narrative to different creditors 
  • Structuring your pitch (concise and clear) 
  • Preparing for the meeting

Part III: Executing the Negotiation

• Chapter 6: Direct Negotiation Tactics: Mastering the Art of the Deal
  • Overview and how to initiate contact 
  • Understand the language that opens vs. closes conversations 
  • The "Range" technique vs. "Anchor" technique 
  • Avoiding common mistakes and circumstances that lead to them
• Chapter 7: Strategies for Different Types of Creditors
  • Banks and financial institutions: Formal and risk-based approaches 
  • Government loans or grants
• Chapter 8: Timing and Leverage in Debt Negotiation
  • When to negotiate early vs. when to wait 
  • Using deadlines and cash flow cycles to your advantage 
  • Strategic use of partial payments 
  • Pausing payments: Risks and rewards
• Chapter 9: Restructuring Tools That Work
  • Rescheduling vs. restructuring various business loans 
  • Interest-only periods 
  • Temporary moratoriums (payment holidays) 
  • Conversion to equity or profit-sharing
• Chapter 10: Writing Comprehensive and Effective Proposal Letters
  • Structure and tone of a good debt proposal 
  • Templates for different scenarios 
  • The one-page proposal vs. formal package
• Chapter 11: Negotiation Escalation Paths
  • What to do when the first offer is rejected: Re-analysis and game plan modification 
  • Engaging a third party (advisors, consultants, lawyers) 
  • When legal pressure helps—and when it backfires 
  • Various debt mediation and arbitration options
• Chapter 12: The Exit Plan
  • Planning and execution for debt exit: Payoff, restructure, or write-off 
  • Getting everything in writing: Term sheets and agreement letters 
  • Consequences of debt settlements (credit score, blacklisting)
• Chapter 13: Rebuilding After the Storm
  • Rebuilding business credit 
  • Lessons learned: Financial discipline and oversight 
  • Sustainable cash flow strategies post-negotiation 
  • Preparing for the next downturn

This manual equips you with step-by-step tools to negotiate smarter, avoid pitfalls, and rebuild with confidence. At just $79 for the ebook, it's an unbeatable investment in your financial future. Ready to take control? Get your copy today and start transforming your business! 

PRICE? USD49!

Think about it—if you were browsing the shelves at a major retailer like Barnes & Noble, a comprehensive guide packed with this level of insider knowledge on debt negotiation, business recovery, and real-world strategies could easily set you back $200 to $300. That's for a physical book that might gather dust on your shelf while you're scrambling to handle mounting debts or turn your business around.

But here's where it gets even better: For just $49, you're not just getting an ebook—you're unlocking a digital powerhouse of practical tools. Download it instantly from the comfort of your home or office, and dive straight into actionable chapters like crafting Business Turnaround Proposals, negotiating with creditors using proven tactics, and even Shariah-compliant financing options. Imagine having Razman Salleh's 20+ years of experience at your fingertips: real case studies (like the 'Construction Firm's Diverse Debts' turnaround), ready-to-use templates for debt proposals, and step-by-step guides to build mutual trust and prioritize creditors.

No fluff, no filler—just expert advice that helps you break free from the debt cycle, boost your mental resilience, and reclaim control over your financial future. That's not just a book; it's your personal roadmap to turning struggles into successes. And with bonuses like decision guides on pausing payments and mediation strategies, you're getting way more value than you'd expect.

Don't miss out—grab your copy today at this unbeatable price and start your journey to financial freedom right now. Your brighter future is just one click away!