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we must have come across the term product lifecycle right so a product goes through many stages the initiation stage then comes the growth stage then the maturity stage and the big 9 stage so similarly as in case of products the companies also go through different stages right so while the stage which comes up in many occasions is called the decline stage or in other words we may say that the company is really not working to the best of its ability and that is why they are not being able to realize the money to be able to pay the financial institution back right so there may be many other reasons to it they may have done some fraud they may have taken the money outside the system Im not getting into that sort of a discussion but let us assume that the situation is such that the company is really not doing great in its business and they are not being able to pay back the money to the financial institution so in that sort of a situation what the company does is that they go to the fina