results driven business advisory

Welcome to Possible.

Smart advice and creative solutions for directors and stakeholders in business.

WELCOME TO PEARL & YOUNG

Hello!

We are a results driven business advisory firm specialising in creating upside value for businesses by providing smart advice combined with innovative solutions to management and stakeholders. We are proud of our ability to make a difference in high-impact and challenging situations, and deliver sustainable, bottom-line results.

Our service is tailored to the specific needs of our clients whether they are healthy, challenged or distressed, ranging from strategy and finance, to restructuring and insolvency. We will help you overcome complex operational, strategic, legal and financial issues and protect your interests by minimising risk and maximising value.

WELCOME TO POSSIBLE.

What we do...

Smart advice and creative solutions for directors and stakeholders in business.
Advisory

In our experience many directors will not have received any formal structured training on the specific skills and knowledge needed to fulfill their legal duties as a director.

Furthermore, the UK economy has entered a period represented by low growth and increasing competition. The uncertainty caused by COVID-19 and Brexit means investors in companies and directors must take steps to safeguard any investment and the company. The importance of strategic planning to navigate your business through the good times and bad has never been so crucial.

Our innovative and knowledgeable advisory will help clarify your vision, recognize opportunities and create and implement strategies with your vision in mind.

FINANCE

Cash is the lifeblood of any business and we are specialists in raising various types of finance for entrepreneurs.

We can assist you in obtaining finance to help you grow your business ranging from asset based finance, invoice discounting, factoring, trade finance to property and development finance.

We also have strong relationships with many turnaround and distressed financiers that have the experience and appetite to invest in and lend to underperforming businesses and in distressed and crisis situations.

INSOLVENCY

From time to time entrepreneurial ventures fail. The duties owed by directors are well documented and it’s crucial directors and stakeholders seek expert advice to preserve assets of the business and minimize further losses to creditors.

Insolvency practitioners ultimately act for creditors and cannot advise directors on claims, issues facing them, nor can they advise on any offer for the potential acquisition of the business and assets. We will advise on all aspects of restructuring, solvent or insolvent, and insolvency procedures with your interests in mind.

In our experience, the sooner you take professional advice, the more options and solutions will be available to you.

About us...

We comprise a team of highly skilled professionals from varied backgrounds including legal, financial and banking sectors who work very closely together to ensure our clients receive clear advice backed up with structured solutions that work.

Our service is tailored to the specific needs of our clients whether they are healthy, challenged or distressed, ranging from strategy and finance, to restructuring and insolvency.

Our team have extensive legal and practical experience within the Commercial, Corporate and Insolvency sectors and many years of experience advising companies of all sizes across the UK. Our lead advisor Amar held the post of Senior Investigator at the Insolvency Service where he investigated the conduct of delinquent directors following adverse report submissions by Insolvency Practitioners.

We are experts in making a difference in high-impact and challenging situations, and deliver sustainable, bottom-line results. We have a passion for overcoming challenges and creating solutions in complex operational, strategic, legal and financial issues and protecting your interests.

Amar is an expert in making a difference in high-impact and challenging situations, and deliver sustainable, bottom-line results. He has a passion for overcoming challenges and creating solutions in complex operational, strategic, legal and financial issues and protecting your interests.

SERVICES

Advisory

Accountants are analyzing data from the graph of the organization.They use the calculator and point the pen at the graphs.
Busy accountant working at home
SERVICES

Finance Solutions

We have strong relationships with lenders specialising in:

SERVICES

Restructuring & Insolvency

In our experience many owner directors will not have received any formal structured training on the specific techniques and knowledge needed when a business is in difficulty. Many will only resort to seeking help when the difficulties have become severe and distress and crisis has ensued risking their own livelihoods and the livelihoods of others.

Unlike insolvency practitioners who are under a legal duty to be independent and act in the best interests of the creditors we are firmly on your side.

It is important to seek out and receive expert advice and find the real experts you need with the real expertise that they claim they have.

We deal with all key issues affecting restructuring and insolvency including (not an exhaustive list):

  • Customer Contracts
  • Supplier Contracts
  • Retention of Title issues
  • Personal Guarantees
  • Licensing Issues
  • Deal Structures
  • Payment Terms
  • Acquisition of name and goodwill
  • 216 issues
  • Debtor collection structures
  • Commercial Records & Customer Lists
  • Data Protection issues
  • TUPE and how to deal with all the key issues
  • Consultation
  • Finance agreements and leased assets
  • Release of existing security
  • Finance for the turnaround, restructured and phoenix company
  • Constitutional governance
  • Shareholdings
  • Security for new further investments
  • Liabilities acquired through a restructuring
  • Legal issues and claims and proceedings
  • Directors Duties & Liabilities

Our objective is for you to avoid a formal insolvency wherever possible but whether a restructuring process entails a formal insolvency or not we will continue to work with you beyond a restructure or rescue to build and develop your business to enable you to maximise your best prospects of success and minimise risk.

Ultimately the choices are simple and in decreasing order of attractiveness:

  • fix the business and retain it and develop it (whether through a one off specifically designed project; a turnaround | restructuring (with or without a formal process)
  • fix it and sell it
  • leave it and sell it (“the accelerated disposal process”)
  • leave it and let it be sold by a insolvency practitioner (to a third party purchaser or closed)
STRATEGIC ALLIANCE

Accountants and Solicitors

We are regularly approached by Accountants and Solicitors across the country to work alongside and provide specialist advice to their business clients.

If you are interested in creating a strategic alliance with Pearl & Young please call us on 0121 232 4653 and see how we can help your clients and benefit your firm.