Temporary liquidity gaps
Businesses waiting on refunds, payments or releases that are due but delayed.
Restructuring & Recovery · Namibia
A sound business in a sticky spot deserves a second look.
The balance sheet is intact, but a temporary hiccup — a delayed VAT refund, a tax audit, a lost customer, a debtor who paid late — has put pressure on cash flow and the bank relationship.
We look at the cause, not just the consequence, and structure a practical path back to a stable position.
Cause, not symptomWe diagnose what led to the pressure
Balance sheet intactViable businesses with a temporary problem
Discreet & practicalFast response, rolled-up sleeves
Start with the business problem
Under pressure, but fundamentally sound?
Banks often see only the missed payment. We want to understand what caused it and whether the business can recover.
A large VAT refund or tax audit has tied up our cash.
A key debtor paid late and now we’re behind with creditors.
Our bank has tightened facilities after a difficult year.
Existing debt is structured in a way the business can’t carry.
We need a safety net while we fix the underlying issue.
Who we work with
Who this is for
Debt restructuring
Reshaping existing borrowings into a structure that matches the cash flow.
Misunderstood credit
Good businesses that a bank has misread because of a single event.
Shareholder & succession pressure
Funding needs arising from a partner exit, dispute or estate.
Our approach
Consequences are visible. Causes need digging.
“We can’t pay suppliers this month” is a consequence. The cause might be an import delayed at the border, a VAT audit or a mismatch between debtor and creditor terms. Fix the cause and the business recovers.
We work through the numbers with you, test whether the balance sheet supports a solution and, once appointed, structure and present it to financiers who understand special situations.
How it works
A deliberate path from enquiry to funding
Every situation is different. Submitting an enquiry does not guarantee funding, but it does get you an honest view quickly.
- 01
Tell us what happened
A short description of the pressure and what led to it.
- 02
Problem-solution session
We separate cause from consequence and test the balance sheet.
- 03
Mandate appointment
If we can help, you appoint Debtquity and we agree the plan and timelines.
- 04
Structuring & credit
We design the solution and take it through due diligence and credit committee.
- 05
Execution
Agreements signed, creditors engaged where needed and funds released.
- 06
Close monitoring
We stay close until the business is back on a stable footing.
Indicative terms are not an approval or commitment to fund. All transactions remain subject to assessment, financier approval and fulfilment requirements.
What you’ll need
Have these ready
Don’t have everything yet? Send the enquiry anyway — we’ll guide you on what’s needed.
- Latest financial statements and management accounts
- Schedule of existing debt and facilities
- Details of what caused the pressure
- Company registration and KYC documents
A funding relationship, not just a transaction
Choose the conversation you need
Temporary liquidity
A short-term solution while a refund, payment or release comes through.
Restructure debt
Move existing borrowings into a structure the business can sustain.
Not sure yet
Speak to us confidentially about your situation first.
Tell us what you need to achieve
Tell us about your situation
Everything you share is treated confidentially. We’ll come back to you quickly with an honest first view.