Debt Restructuring

In the broad sense, Debt Restructuring refers to the process of reorganizing a company’s or individuals outstanding obligations, both to banks & financial institutions as well as suppliers/private creditors, in a manner such that the company or individual gets a relaxation on their current obligations and the repayments are scheduled across a longer period of time based on the company’s or individuals existing financial strength, cash flow projections and various other determining factors.

Ritman’s Board Members & Management Team brings with it almost two decades of hands-on experience and vast knowledge about the financial services industry. Over time, Ritman has associated with the leading banks in the UAE, Middle East & globally and has successfully restructured debts of various financially distressed companies. Along with carrying out the negotiations on the financial aspect of restructuring, Ritman also provides the corporate or individual with legal advice, if and when required, through its highly reputed and renowned legal partners.

DEBT COUNSELLING

DEBT SETTLEMENT OPTIONS

DEBT RESTRUCUTURING

DEBT CONSOLIDATION

Debt Recovery

At Ritman, we believe that the fulfillment of financial duties & obligations both, on the part of the lenders as well as borrowers, is one of the major factors that determine and affect the stability of an economy. Hence, in our effort to maintain this equilibrium, while on one hand Ritman offers debt restructuring services to corporates and individuals, it also offers a comprehensive suite of services regarding debt collection or resolution cases.
Depending upon the borrowers financial condition and due to the uncertainty in the borrowers ability to immediately repay an outstanding obligation, we follow the below mechanism to safeguard the clients objective of successful recovery of amount lent.

Mergers & Acquisitions

We at RITMAN provide our clients with a one-stop-shop service in this regard by making sure that each stage of a M&A transaction process – from valuation to preparation of an Investment Memorandum to negotiation and completion, is conducted by our highly experienced team to ensure successful results. Our services involve conducting a market study and understanding the geo-political and legal factors that would influence the merger apart from carrying out due diligence and financial modelling to assist client to achieve their strategic goals by identifying and implementing opportunities to merge with or acquire other businesses.

Business Processes Re-Engineering

Business Processes Re-engineering refers to the reshaping of business processes that may range from complete reinvention of the business enterprise to the reshaping of existing processes, that are carried out using industry best-practices and delivered in the form of a client specific Standard Operating Procedures (SOP) Manual.
The increasing requirement for corporates to abide by international quality standards and obtain quality certifications such as ISO certification, has made the existence of a written policy document for every organizational function elementary. Apart from that, a written policy document if oriented and implemented correctly, allows an organization to streamline operational processes and maintain the focus on Key Result Areas (KRAs) that would directly affect the performance and profitability of the company.
Being one of Ritman’s core functionalities, we provide each client with customized process Solutions, detailed process manuals, client team orientation and also carry out the process of implementing the process manuals & ensuring adherence to the policies developed with the constant guidance and support of experienced consultants.
Over the last five years, Ritman’s team has been involved in the preparation and implementation of process manuals across varied industries such as retail, construction, money exchange, money remittance, FMCG and food & beverages.

Project Financing

In todays ever-changing & dynamic economy, constant innovation, continuous growth and global expansion has become a necessity. However, prior to finalizing an investment decision, a series of decisions need to be taken on the viability of the investment and most importantly on the funding/financing of the investment. In other words, based on the internal reserves available, the management would have to determine the sources of external funding and the extent of dilution that it would seek as a result of obtaining finance from external sources. We assist the management at every stage of expansion by analyzing and proposing various financing strategies which would be a combination of internal funds, external debt and equity financing based on a trade-off between fixed financial obligations over time against the level of dilution of ownership. Also, due to our association with the leading banks and financial institutions globally and especially in the Middle East, we link our clients to the right lender depending upon the nature of the investment and type of financing required.

Business Advisory Services

Internal Auditing

Feasibility Analysis

Fixed Asset Tracking & Management

Bookkeeping and Accounting

Business Process Outsourcing

Reconciliation Function

Company Formation