Restructuring is a process of interaction between a bank as a creditor, an enterprise as a debtor, and a restructuring team as a driving force of the company's restructuring. VICF offers to a creditor their experience, relative independence, and impartiality in solving problems which affect the company. The team also includes external industry experts, company representatives for improved formal and informal undestanding of the company's functioning and the leveraging of their previously unused executive potential. It also includes bank representatives, which supervise the entire situation, or actively participate in the restructuring. The goal of restructuring is the settlement of debt using operational cash flow, and preparation of the company for sale or subsequent growth.