Regional coverage · Greater Manchester
Insolvency & Director AdviceAcross Greater Manchester: Independent and Immediate
From our Manchester office we advise directors in all ten boroughs on HMRC pressure, unpaid Bounce Back Loans, personal guarantees and closure, acting for you, not your creditors.
Free initial advice · Confidential · No obligation · Lines open 8am to 6pm · We act for directors, not creditors
Speaking to directors in Greater Manchester
- A straight read of where the company actually stands
- The options open to you, explained without jargon
- Where you are personally exposed, and where you are not
- What to do this week, not in three months
Lines open 8am to 6pm, 7 days a week · Nothing you tell us goes any further.
Advising directors across all ten boroughs
Greater Manchester's ten boroughs range from city-centre service businesses to Pennine-edge manufacturing. The pressures differ sharply between them, and so does the right response.
Where in Greater Manchester we work
Our Manchester office covers the city and Salford, Trafford, Stockport, Tameside, Oldham, Rochdale, Bury, Bolton and Wigan, along with the north Cheshire towns that trade into the conurbation.
Most first conversations are by phone or video the same day, with an in-person meeting arranged where the situation warrants it.
How quickly we respond across the region
Lines are open 8am to 6pm, seven days a week and the first call is normally same day. Distances within the conurbation are short, so meetings in any borough can be arranged at reasonable notice.
Where a statutory demand or petition has arrived, or a funder has served notice on an invoice finance facility, that is the point to call rather than the following week.
The kinds of business we see across the region
Construction and fit-out subcontractors, logistics and courier operators, textiles and manufacturing in the northern boroughs, food production and wholesale, care providers, hospitality and leisure, recruitment, digital and creative agencies, and property and development companies.
Leasehold occupation is near universal, asset and invoice finance are widespread, and a very large share of small companies here took a Bounce Back Loan.
What Greater Manchester directors call about
HMRC arrears first, PAYE and VAT built up across several quarters, often with a broken Time to Pay arrangement behind it. Then unpaid Bounce Back Loans, personal guarantees on leases and finance, and overdrawn director's loan accounts.
We also take frequent calls from directors who have been pushed towards liquidation by a creditor and want to know whether that is really the only route left.
What we advise on in Greater Manchester
Every service below is available to directors in Greater Manchester and the surrounding area, starting with the same free and confidential first conversation.
HMRC Debt & Pressure
Understand precisely what HMRC can do next about PAYE, VAT or corporation tax arrears before enforcement escalates.
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Bounce Back Loan Problems
Where director liability genuinely sits on an unpaid Bounce Back Loan, and its treatment on closure.
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Business Restructuring
Where a profitable contract book sits inside a loss-making company, we test whether restructuring can protect it.
Read more
Closing a Limited Company (CVL)
Know the CVL process, its cost and your duties before you appoint anyone to it.
Read more
Overdrawn Director's Loan Account
One of the first assets a liquidator pursues. Establish the position while there are still choices to make.
Read more
Personal Guarantees
Standard on leases, asset finance and invoice finance across the region. Find out what yours actually expose.
Read more
General Director Advice
Confidential guidance on duties, exposure and next steps from advisers acting for you.
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Company Insolvency Advisory
A plain read on whether the company is insolvent and what each available process would mean for you.
Read more
Advice Before You Engage an IP
What will be investigated and how to prepare, before an insolvency practitioner is appointed.
Read moreWhy directors across Greater Manchester call us
We are a director advisory firm holding no insolvency licences, which is exactly what lets us stay on your side throughout.
An office in the conurbation
Manchester is one of our five offices, alongside Leeds, Bradford, Birmingham and our main office near Alton in Hampshire.
Never the office-holder
We never take an appointment, so we are never the party reporting on your conduct to creditors.
Same-day first conversation
Lines open 8am to 6pm, seven days a week, weekends included, which is when many directors finally ring.
Licensed practitioners when required
Introductions to practitioners with credentials including Fellow of the Insolvency Practitioners Association, membership of the Association of Business Recovery Professionals, the International Association of Insolvency, Restructuring and Bankruptcy Professionals and the Turnaround Management Association.
Independent valuation panel
Auctioneers and valuers, some RICS-associated depending on the case, so asset values are established rather than assumed.
What directors say
Trustpilot reviewers describe a team that explained everything, was always available, and made a potential disaster into a manageable process.
Pressures specific to Greater Manchester
Ten boroughs, one property market and a shared set of structural pressures on owner-managed companies.
Lease commitments across the conurbation
City-centre offices and out-of-town industrial units alike were committed to on better assumptions, with a director's guarantee attached.
Construction and fit-out payment chains
Subcontractors on the region's development pipeline carry retentions and long payment terms, and a single failure cascades through several tiers.
Older mill and industrial stock
The northern boroughs trade heavily from converted mill and warehouse buildings with poor energy performance and heavy repairing obligations.
Logistics on thin margins
Courier and haulage operators run financed fleets against contract rates that do not move with fuel and wage costs.
Invoice finance dependency
Recruitment and staffing businesses pay weekly and invoice monthly; one disputed debtor can freeze availability overnight.
Speed of creditor action
In an active market, landlords, funders and HMRC move quickly. Directors who wait for a second letter usually find fewer options remain.
How we work with you
The same defined sequence for every director we advise in Greater Manchester, so you always know what happens next and what is expected of you.
- 01
First call
You tell us what has happened and what you are worried about. Free, confidential and usually same day.
- 02
Position review
We look at the company's finances and your personal exposure, guarantees, loan account, dividends and timeline.
- 03
Options set out
Restructuring, negotiation or closure, compared in plain English with what each would mean for you.
- 04
The right specialists
Where a formal process is needed we introduce you to a licensed insolvency practitioner suited to the case.
- 05
Alongside you throughout
We stay involved while the process runs, so somebody in the room is always acting for you.
Independent advice across Greater Manchester before you commit
Whatever the borough, the sequence is the same: understand the position, understand your exposure, then choose a route.
Who is advising whom
An appointed insolvency practitioner realises the company's assets, distributes them in the statutory order and reports on the conduct of the directors. Those duties are owed to creditors.
We hold no insolvency licences and never take an appointment. Our role is to look at your position first, and to remain your adviser if a formal process follows.
What we review
Company position and personal exposure examined together, in that order and at once.
- HMRC arrears by tax type and any broken Time to Pay arrangement
- Bounce Back Loan balance and how the funds were applied
- Personal guarantees on leases, asset finance, invoice finance and trade accounts
- Director's loan account balance and how it arose
- Dividends declared against distributable reserves at the time
- Asset disposals in the last two years and prices achieved
Where the trade can be preserved
Where a viable trade sits inside a struggling company, an orderly route with independent valuations can protect it. A Northampton fencing and groundwork contractor unable to meet its tax liabilities was liquidated with assets independently valued and bought at a fair price; the continuing business grows and thrives.
Where the threat is an allegation rather than a debt, evidence is the answer, as it was for the Oxford transport company accused of fraud and theft over stolen, already-financed plant machinery.
Coverage beyond the region
We work across the Pennines from our Leeds and Bradford offices for directors trading in both regions, and cover Sheffield and South Yorkshire as well.
Our main office is near Alton in Hampshire, with a registered office in Northampton, and we advise nationwide.
Greater Manchester: questions directors ask
Do you cover the whole of Greater Manchester?
Yes. Our Manchester office covers the city and all ten boroughs, Salford, Trafford, Stockport, Tameside, Oldham, Rochdale, Bury, Bolton and Wigan.
How fast can you reach a director in Greater Manchester?
Lines are open 8am to 6pm, seven days a week and the first conversation is normally the same day. Meetings anywhere in the conurbation are arranged at reasonable notice.
What does advice cost across Greater Manchester?
The initial advice is free, confidential and carries no obligation. Where a licensed practitioner is later needed, their costs are set out clearly before anything is agreed.
Is there emergency availability in the region?
Yes, 8am to 6pm, seven days a week. Statutory demands, petitions and funder notices should be raised immediately.
Are you insolvency practitioners?
No. We are a director advisory firm acting for directors and investors, with no insolvency licences, and we introduce licensed practitioners where a formal process is needed.
Our invoice finance facility has been withdrawn. What now?
That is an urgent situation because it usually removes working capital immediately. The first call establishes what time you actually have and which routes remain realistic.
A creditor is threatening a winding-up petition. Can you help?
Yes, and quickly. What can be done depends heavily on whether the petition has been advertised, so ring as soon as you become aware of it.
Will HMRC, our landlord or our bank be told we called?
No. The conversation is confidential and nobody is contacted on your behalf without your instruction.
Do you advise on personal debt?
No. We deal with company insolvency and director advisory only.
I have already met a practitioner. Is it too late to take advice?
Not if nothing has been signed. An independent review before an appointment still changes outcomes.
Not sure where to start?
Describe the situation in one call. If a different service fits better, we will say so and point you to it.
0330 223 5754Free · Confidential · No obligation · Lines open 8am to 6pm, 7 days a week
Speak to us about your Greater Manchester company
Free, confidential and no obligation. Understand the company's real position, your personal exposure and the options that remain.
0330 223 575407770 666896- The initial conversation is genuinely free and carries no obligation
- Everything you tell us stays between us
- We are independent: we act for you, not for your creditors
Free, confidential and no obligation. Company insolvency and director advisory only; we do not advise on personal debt.