Financial Planning & Debt Restructuring for Retailers in Bahrain & Saudi Arabia

Why Retailers Need Financial Consulting & Debt Restructuring?

If you operate a retail business—such as a supermarket, convenience store, or specialty outlet—that relies on purchasing inventory on credit, maintaining a strong credit reputation with your suppliers is critical. Timely settlements and full compliance with debt obligations are essential not just to preserve supplier relationships but also to unlock increased credit facilities and better terms.

However, staying fully compliant can be challenging. Many retailers intend to meet all obligations, but cash flow deficits, caused by delayed sales or misaligned repayment schedules, often lead to overdue payments. If not addressed, these issues can escalate into defaults, damaged relationships, legal disputes, and even business closure.

At RM for Credit Assessment & Debt Collection, we believe "prevention is better than cure". Our proactive approach is designed to safeguard your supplier relationships and ensure your business’s financial health from the beginning. But if you’re already facing cash flow deficits, we can intervene quickly and effectively.

Our Two-Step Solution

Step 1: Financial Advising & Debt Restructuring Proposal

• We conduct a deep dive analysis of your current cash flow, purchase orders, and the turnover cycle of each inventory item.
• Using this data, we build multiple projected cash flow scenarios and identify mismatches between your repayment schedules and sales cycles.
• We then develop a tailored debt restructuring proposal that aligns your obligations with your cash flow realities, ensuring you maintain compliance and avoid past-due payments.

Step 2: Supplier Negotiation Service

• We can also negotiate directly with your suppliers, presenting the restructuring proposal and advocating for its approval.
• We use our expertise to secure supplier buy-in, so you can focus on running your business.

What You Gain?

• Business Continuity: Prevent defaults and legal disputes, ensuring uninterrupted operations.
• Organized Operations: Streamline your debt management and supplier communications.
• Healthy Cash Flow: Align repayments with actual sales cycles, guaranteeing sufficient funds to meet obligations and invest in growth.
• Enhanced Supplier Relationships: Build trust and credibility, unlocking better terms and higher credit limits.
• Sustainable Growth: Achieve financial stability, increased trade volume, and a stronger market position.

Why Choose RM for Credit Assessment & Debt Collection?

• Proven Expertise: Over 16 years of experience in retail credit assessment, debt collection, and financial planning across Bahrain and Saudi Arabia.
• Local Knowledge: Deep understanding of the regional retail landscape and supplier dynamics.
• Client-Focused: We treat your business as our own, prioritizing your long-term success and growth.

Frequently Asked Questions

Who is this service for?

Retailers of all sizes in Bahrain and Saudi Arabia who purchase inventory on credit and want to improve their cash flow, manage debts, and protect supplier relationships.

How does the process work?

We start with a financial planning study, then move to supplier negotiation and implementation of the approved restructuring plan.

What if I already have overdue payments?

We can step in at any stage—whether you want to prevent problems or need urgent help with existing debts.

How are fees structured?

The financial planning study has a fixed fee based on your debt and supplier count, while Negotiation fees are success-based.

Ready to Transform Your Retail Business?

Don’t let cash flow challenges or supplier disputes threaten your future. Let RM for Credit Assessment & Debt Collection help you restructure your debts, improve your financial planning, and secure your business for the long term.