BUSINESS RECOVERY SERVICES
CONFIDENTIAL BUSINESS SUPPORT FOR FINANCIAL CLARITY AND STABILITY.
Trusted guidance to help Omani businesses navigate financial pressure and protect their future.
Mahfud International Investment is a registered firm based in Salalah, Oman, offering discreet support to businesses facing financial challenges. Whether you lead a SME, a large family business, or a major company, we work quietly and professionally to help restore financial stability, improve cash flow, and maintain business continuity.
Founded by Mahfud Zaptia, who brings over 60 years of international business experience across the UK, Middle East, Africa, and the Americas, our practice draws on a deep understanding of both local business culture and global financial strategy.
While the nature of business challenges may vary, our approach remains the same: experienced, strategic, and confidential.
SERVICES
WE PROVIDE PRACTICAL SUPPORT TAILORED TO EACH CLIENT’S SITUATION. OUR WORK INCLUDES:
Preventative Guidance
Early engagement allows us to resolve issues before they escalate into legal action or reputational risk. Many clients benefit most when they seek advice at the first signs of financial strain.
Financial Reviews
A full assessment of your company’s current financial obligations, cash flow, and exposure.
Business Restructuring Advice
We advise on internal adjustments—such as reducing operating costs or improving efficiency—to ease pressure and avoid unnecessary borrowing.
Bank Negotiation Services
When needed, we act on your behalf to open a dialogue with banks. Our aim is to reschedule repayments, improve terms, or, where possible, negotiate the reduction or removal of interest.
WHY WORK WITH US:
Discreet and Professional
We understand the importance of confidentiality. Every conversation is handled with the utmost care and discretion.
Trusted Expertise
With six decades of business experience across multiple continents, Mahfud Zaptia offers strategic insight grounded in experience and real-world results.
Tailored Solutions
There are no one-size-fits-all answers. We work alongside you to develop practical, clear steps that protect your business without unnecessary exposure.
Case Study: Navigating Debt Restructuring
We were approached by a manufacturing client seeking support to resolve long standing debts involving multiple lenders. The liabilities had accumulated over more than a decade, with legal proceedings at varying stages and collateral that only partially covered the original loan amounts.
Despite the absence of financial records and indications of bankruptcy, the client’s operations were ongoing, with new contracts still being secured. The situation was further complicated by the involvement of third-party guarantees and unclear ownership of certain assets.
Although we were initially cautious due to limited transparency, we put forward two proposals based strictly on the existing collateral. These were presented with clear caveats about the gaps in available information. As more details emerged, it became apparent that key financial facts had been withheld. In line with our professional standards, we chose not to proceed further.
This case underscores the importance of clarity, boundaries, and ethical judgement when navigating complex financial restructurings.
Case Study: Restructuring a Legacy Business
A family-owned joint-stock company with debts totalling 18 million OMR approached us at a critical point: the business had collapsed, internal disputes among heirs had escalated to court, and the bank had initiated legal proceedings.
The company held 10 million OMR in real estate assets, but lacked liquidity, governance, and financial oversight. Although audited records spanning over a decade were available, the majority of heirs refused to disclose current income, making resolution even more complex.
Over 40 days, we analysed 15 years of financial accounts, banking records, and loan agreements. We traced the collapse to a mix of mismanagement, unmonitored personal spending, and systemic failure — including the lender’s role in issuing credit without proper safeguards.
Despite limited cooperation from the lender, we submitted a confidential report outlining the company’s financial position and five recovery proposals. These prioritised protecting the heirs’ main residence and structured a plan around rental income to preserve core assets while repaying part of the debt over time.
This case reflected the delicate balance between financial accountability and social sensitivity — and the need for both ethical judgement and technical rigour in resolving legacy financial disputes.
TAKE THE FIRST STEP
If your business is under pressure, or you would simply like a second opinion, we invite you to speak with us privately. We offer confidential, no-obligation consultations to assess your situation and explain how we may be able to support you.
Our goal is not to overwhelm you with options, but to guide you with clarity—and help you move forward with control and peace of mind.
+ 968 76 939 787
mahfud@miibusinessrecovery.com
Mahfud International Investment offers confidential business advisory services in Salalah and across Oman. We work with SMEs, family-owned businesses, and corporations to provide financial reviews, restructuring advice, and discreet bank negotiation services. Every client engagement is handled with care, professionalism, and a commitment to long-term business stability.
SULTANATE OF OMAN – SALAHAH & MUSCAT
mahfud@miibusinessrecovery.com
Whatsapp: + 968 76 939 787
© 2025 MII Business Recovery
Privacy Policy