Industrial borrowers with difficulties in satisfying their debt service obligations most commonly have a history of declining performance indicators.
 
For manifold reasons, market shares, order backlog and cash flow may have decreased, for example, while inventory and receivables have increased.
 
Typically, the development is accompanied by frequent management replacements or unfavourable news in the press.
 
Such a development may be temporary, maybe not.
 
Alert lenders use their good customer relationships to get things straight early on.
 
The preventive checkup of 1 if by land helps companies find out whether and what kind of action is needed. That is
 

• hypothesis-driven analysis of the causes behind the deteriorating performance indicators,
• prioritisation of findings by urgency,
• categorisation of actions into fields: strategy, revenues, cost, balance sheet, organisation and management,
• suggestions for a solution.

Recommend the preventive checkup of 1 if by land to your clients.