Business and Personal Insolvency Experts

Our expertise can help chart a course to help your business soar.

Heraldic Fortis Insolvency logo

Trusted Insolvency experts delivering proven results.

We are a North West firm of Licensed Insolvency Practitioners based in Manchester, providing industry-leading, nationwide advice and services to businesses and individuals that may be facing financial and operational problems.

At Fortis, our experienced team of professional advisors are committed to finding solutions and supporting businesses across various sectors. We undertake assignments of all sizes and understand the day-to-day pressures you face.

Fortis cover all aspects of personal and corporate insolvency with vast experience in assisting turnaround management, restructuring, insolvency, recovery, and refinancing as well as a wide range of practical interim solutions.

All conversations are dealt with confidentially and offer free consultations across the UK at a time and place convenient to you and your business. There may be several factors affecting your business:

  • Creditor pressure?
  • Winding-Up Petition?
  • Mounting HMRC Debts?
  • Staffing issues?
  • County Court Judgements?
  • Bailiffs?

Please feel free to call us on 0161 694 9955 for an initial confidential conversation on how we can help. Alternatively, send us an email detailing the issues you are facing so that we can act quickly to identify the best solution for you and your business.

Bounce Back Loans

Bounce Back Loans (BBL) were introduced by the Government in May 2020 to assist businesses with cashflow during the pandemic. Under the scheme businesses were able to access loans of up to 25% of their annual turnover up to a maximum amount of £50,000.

Bounce Back Loans were originally offered over a six-year period, with no repayments due for the first 12 months. The government agreed to cover the interest payable during the first 12 months of the loan period. As most Bounce Back Loans were taken out over a year ago, for most, the initial payment holiday now over. Now that payments are falling due there are a lot of companies now facing an unaffordable monthly cost.

However, most did not anticipate another year of restrictions and this has left many businesses unable to survive.


A CBILS loan (Coronavirus Business Interruption Loan Scheme) is a government backed loan to provide lending up to £5m for small to medium sized businesses that have experienced business disruption and cash flow problems as a result of the pandemic. The scheme allows the lender to offer credit facilities underwritten by a government-backed guarantee which enables most credit decisions to become accepted. Additionally, the loan interest is also covered for the first 12 months from the date of drawdown of the loan.

There is no requirement to provide security against the loan or a personal guarantee for loans up to £250,000. Some lenders may request security for loans over £250,000 by way of a guarantee, but this cannot be secured on a Directors’ private property and it is only required for 20% of the lend.

Applications for CBILS loans ceased on the 31st of March 2021.

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