{"id":2042,"date":"2026-10-24T09:17:26","date_gmt":"2026-10-24T07:17:26","guid":{"rendered":"https:\/\/www.michelecollini.com\/?page_id=2042"},"modified":"2026-10-24T11:22:10","modified_gmt":"2026-10-24T09:22:10","slug":"uscire-da-una-crisi","status":"publish","type":"page","link":"https:\/\/www.michelecollini.com\/en\/uscire-da-una-crisi\/","title":{"rendered":"Getting out of a crisis"},"content":{"rendered":"<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Cormorant+Garamond:ital,wght@0,400;0,500;0,600;0,700;1,400&#038;family=DM+Sans:wght@300;400;500&#038;display=swap\" rel=\"stylesheet\">\n<style>\n:root{--blue:#2563EB;--blue-dk:#1D4ED8;--blue-lt:#EFF6FF;--text:#0F172A;--muted:#64748B;--border:#E2E8F0;--bg:#fff;--bg2:#F8FAFC}\n.mch{font-family:'DM Sans',sans-serif;color:var(--text);background:#fff}\n.mch *{box-sizing:border-box;margin:0;padding:0}\n.mch-hero{max-width:1100px;margin:0 auto;padding:64px 40px 56px;display:grid;grid-template-columns:1fr 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var(--border);border-radius:12px;padding:24px}\n.mch-case-k{font-size:10px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#94A3B8;margin:14px 0 4px}\n.mch-case-v{font-size:14px;line-height:1.6;color:var(--text)}\n.mch-note{font-size:13px;line-height:1.6;color:var(--muted);margin-top:18px}\n.mch-note a{color:var(--blue);text-decoration:none;font-weight:500}\n.mch-quote{border-left:3px solid var(--blue);padding:8px 0 8px 24px}\n.mch-quote p{font-family:'Cormorant Garamond',serif;font-size:28px;line-height:1.3;color:var(--text);font-style:italic}\n.mch-quote span{display:block;margin-top:14px;font-size:13px;color:var(--muted)}\n.mch-ctas{display:flex;flex-wrap:wrap;gap:12px;align-items:center;margin-top:28px}\n.mch-cta2{display:inline-flex;align-items:center;padding:13px 22px;border:1px solid var(--blue);border-radius:8px;color:var(--blue);text-decoration:none;font-size:15px;font-weight:500;background:#fff}\n@media(max-width:900px){.mch-steps{grid-template-columns:repeat(2,1fr)}.mch-cases{grid-template-columns:1fr}}\n@media(max-width:768px){.mch-sec{padding:44px 20px}.mch-signals,.mch-steps{grid-template-columns:1fr}.mch-quote p{font-size:23px}}\n.mch-offer{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:20px;background:var(--blue-lt);border:1px solid #BFDBFE;border-radius:14px;padding:28px 30px}.mch-offer h3{font-family:'Cormorant Garamond',serif;font-size:24px;font-weight:700;color:var(--text);margin:0 0 6px}.mch-offer p{font-size:15px;line-height:1.6;color:var(--muted);margin:0;max-width:640px}\n<\/style>\n<div class=\"mch\">\n<div class=\"mch-hero\"><div>\n<div class=\"mch-tag\">Getting out of a crisis<\/div>\n<h1 class=\"mch-h1\">Suppliers waiting, banks tightening: there are still choices to make, if you act before it is too late.<\/h1>\n<p class=\"mch-sub\">I am often called in when the situation is already under pressure: cash flows tighten, margins thin out, decisions get heavier. My job is to put the numbers back in order and build a path that banks and creditors can accept.<\/p>\n<div class=\"mch-ctas\"><a href=\"\/en\/#mch-cf\" class=\"mch-cta\">Book a 30-minute introductory call \u2192<\/a><a href=\"https:\/\/wa.me\/393207806671\" class=\"mch-cta2\" target=\"_blank\" rel=\"noopener\">Message on WhatsApp<\/a><\/div>\n<\/div><div class=\"mch-img-col\"><div class=\"mch-quote\"><p>\u201cStrategy that ignores cash is just rhetoric.\u201d<\/p><span>Michele Collini \u00b7 ACCA Member<\/span><\/div><\/div><\/div>\n<div class=\"mch-sec\" style=\"padding-top:8px;padding-bottom:8px\"><div class=\"mch-offer\"><div><div class=\"mch-slabel\">First step<\/div><h3>Priority cash diagnosis<\/h3><p>13-week cash flow, debt map and priorities to tackle, with a written outcome.<\/p><\/div><a href=\"\/en\/diagnosi-prioritaria-cassa\/\" class=\"mch-cta\">Request a priority assessment \u2192<\/a><\/div><\/div>\n<div class=\"mch-band\"><div class=\"mch-sec\">\n<div class=\"mch-slabel\">When to call me<\/div>\n<h2 class=\"mch-stitle\">Warning signs not to ignore<\/h2>\n<p class=\"mch-ssub\">The earlier you act, the more options remain open.<\/p>\n<div class=\"mch-signals\">\n<div class=\"mch-signal\">You pay suppliers late and every month you have to choose who to pay first.<\/div>\n<div class=\"mch-signal\">Your bank is asking you to repay, cutting your facilities or not renewing your credit lines.<\/div>\n<div class=\"mch-signal\">Tax and social security arrears grow month after month.<\/div>\n<div class=\"mch-signal\">You don\u2019t know whether cash will last the next three months.<\/div>\n<\/div><\/div><\/div>\n<div class=\"mch-sec\">\n<div class=\"mch-slabel\">What I do<\/div>\n<h2 class=\"mch-stitle\">Three tools, one goal: keeping the business alive<\/h2>\n<div class=\"mch-grid\">\n<div class=\"mch-card\"><h3 class=\"mch-cname\">Cash flow management<\/h3><div class=\"mch-cdesc\">A 13-week cash forecast: every week you know what comes in, what goes out and where to act. It is the basis of every negotiation with banks and suppliers.<\/div><span class=\"mch-ctag\">Treasury<\/span><\/div>\n<div class=\"mch-card\"><h3 class=\"mch-cname\">Turnaround plan<\/h3><div class=\"mch-cdesc\">A financial plan built on real figures, showing banks and creditors how and when they will be paid.<\/div><span class=\"mch-ctag\">Plan<\/span><\/div>\n<div class=\"mch-card\"><h3 class=\"mch-cname\">Negotiated crisis settlement<\/h3><div class=\"mch-cdesc\">The procedure under the Italian Insolvency Code for negotiating with creditors with the help of an independent expert, with the option of requesting protective measures against their enforcement actions.<\/div><span class=\"mch-ctag\">Insolvency Code<\/span><\/div>\n<\/div>\n<p class=\"mch-note\">In some cases the business also needs temporary hands-on financial leadership: the <a href=\"\/en\/crescere\/#cfo\">Part-time CFO<\/a>.<\/p>\n<\/div>\n<div class=\"mch-band\"><div class=\"mch-sec\">\n<div class=\"mch-slabel\">How I work<\/div>\n<h2 class=\"mch-stitle\">From first contact to the plan<\/h2>\n<div class=\"mch-steps\">\n<div class=\"mch-step\"><div class=\"mch-step-n\">1<\/div><h3 class=\"mch-cname\">Introductory call<\/h3><div class=\"mch-cdesc\">30 minutes: you tell me about the situation and together we work out whether and how I can help.<\/div><\/div>\n<div class=\"mch-step\"><div class=\"mch-step-n\">2<\/div><h3 class=\"mch-cname\">Cash snapshot<\/h3><div class=\"mch-cdesc\">Debts, deadlines and cash flows for the next 13 weeks, set out in order.<\/div><\/div>\n<div class=\"mch-step\"><div class=\"mch-step-n\">3<\/div><h3 class=\"mch-cname\">Choosing the tool<\/h3><div class=\"mch-cdesc\">An agreement with the banks, a negotiated settlement or a court-supervised arrangement: the numbers drive the choice.<\/div><\/div>\n<div class=\"mch-step\"><div class=\"mch-step-n\">4<\/div><h3 class=\"mch-cname\">Plan and negotiation<\/h3><div class=\"mch-cdesc\">Building the plan and supporting you in discussions with banks and creditors.<\/div><\/div>\n<\/div><\/div><\/div>\n<div class=\"mch-sec\">\n<div class=\"mch-slabel\">Cases<\/div>\n<h2 class=\"mch-stitle\">Real situations, anonymised<\/h2>\n<div class=\"mch-cases\">\n<div class=\"mch-case\"><h3 class=\"mch-cname\">Manufacturing<\/h3><div class=\"mch-case-k\">Situation<\/div><div class=\"mch-case-v\">Cash strain and exposure to several banks.<\/div><div class=\"mch-case-k\">Intervention<\/div><div class=\"mch-case-v\">13-week treasury plan, turnaround plan and a proposal to creditors by class.<\/div><div class=\"mch-case-k\">Stage reached<\/div><div class=\"mch-case-v\">Plan filed in the negotiated settlement procedure, protective measures obtained, negotiations with the banks under way.<\/div><\/div>\n<div class=\"mch-case\"><h3 class=\"mch-cname\">Food sector<\/h3><div class=\"mch-case-k\">Situation<\/div><div class=\"mch-case-v\">Financial charges too high relative to margins.<\/div><div class=\"mch-case-k\">Intervention<\/div><div class=\"mch-case-v\">Four years of financial data, 13-week cash flow, bank debt consolidation strategy.<\/div><div class=\"mch-case-k\">Stage reached<\/div><div class=\"mch-case-v\">Application for negotiated settlement filed, procedure under way.<\/div><\/div>\n<div class=\"mch-case\"><h3 class=\"mch-cname\">Construction<\/h3><div class=\"mch-case-k\">Situation<\/div><div class=\"mch-case-v\">Company in a court-supervised arrangement with creditors.<\/div><div class=\"mch-case-k\">Intervention<\/div><div class=\"mch-case-v\">Plan built on an offer to lease the business followed by its sale, as an alternative to liquidation.<\/div><div class=\"mch-case-k\">Stage reached<\/div><div class=\"mch-case-v\">Business kept as a going concern, plan supporting the procedure.<\/div><\/div>\n<\/div>\n<p class=\"mch-note\">Ongoing engagements, described without any data that would identify the companies.<\/p>\n<\/div>\n<div class=\"mch-band\"><div class=\"mch-sec\">\n<div class=\"mch-slabel\">Contact<\/div>\n<h2 class=\"mch-stitle\">Let\u2019s talk, before it is too late<\/h2>\n<p class=\"mch-ssub\">Write to me: I reply within 24 working hours. Or <a href=\"mailto:mc@michelecollini.com\" style=\"color:var(--blue);text-decoration:none;font-weight:500\">mc@michelecollini.com<\/a><\/p>\n<div class=\"mch-ctas\"><a href=\"\/en\/#mch-cf\" class=\"mch-cta\">Book a 30-minute introductory call \u2192<\/a><a href=\"https:\/\/wa.me\/393207806671\" class=\"mch-cta2\" target=\"_blank\" rel=\"noopener\">Message on WhatsApp<\/a><\/div>\n<\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Uscire da una crisi Fornitori in attesa, banche che stringono: si pu&ograve; ancora scegliere, se si interviene prima che sia tardi. Mi chiamano spesso quando la situazione &egrave; gi&agrave; sotto pressione: i flussi si stringono, i margini si assottigliano, le scelte si fanno pi&ugrave; pesanti. Il mio lavoro &egrave; rimettere in fila i numeri e &#8230; <a title=\"Getting out of a crisis\" class=\"read-more\" href=\"https:\/\/www.michelecollini.com\/en\/uscire-da-una-crisi\/\" aria-label=\"Read more about Uscire da una crisi\">Read more<\/a><\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2042","page","type-page","status-publish"],"_links":{"self":[{"href":"https:\/\/www.michelecollini.com\/en\/wp-json\/wp\/v2\/pages\/2042","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.michelecollini.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.michelecollini.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.michelecollini.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.michelecollini.com\/en\/wp-json\/wp\/v2\/comments?post=2042"}],"version-history":[{"count":4,"href":"https:\/\/www.michelecollini.com\/en\/wp-json\/wp\/v2\/pages\/2042\/revisions"}],"predecessor-version":[{"id":2076,"href":"https:\/\/www.michelecollini.com\/en\/wp-json\/wp\/v2\/pages\/2042\/revisions\/2076"}],"wp:attachment":[{"href":"https:\/\/www.michelecollini.com\/en\/wp-json\/wp\/v2\/media?parent=2042"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}