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[Music] welcome to the restructuring series with me luke vena and jack callow good morning jack good morning luke are we well and very well indeed how are you very good thank you so were talking creditor pressure um what do we actually mean by creditor pressure yeah credit to pressure i mean theres theres uh an obvious definition within the name its credited to supply pressure to the business um but creditors take all all sorts of forms shapes and sizes youve got your trade creditors your your suppliers uh youve got your taxes hmrc um youve got the bank and credit depression can come in the form specifically with banks you know just around the terms and the covenants you know the bank might not actually be applying pressure but youre trying to you know stay within the within form within the boundaries of you know of what what the you know the terms are to whatever funds have been been led to the business and other funders you know investors directors anybody that is leveraging
