[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"skill:01M7459RXAFPFMXCXQSJ0NXEV6":3,"skill-same:01M7459RXAFPFMXCXQSJ0NXEV6":77},{"skillNo":4,"name":5,"nameZh":6,"description":7,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":16,"categories":17,"keywords":18,"publishedAt":19,"linkOnly":20,"markdownContent":21,"markdownBody":22,"frontMatter":23,"refName":26,"commitSha":27,"skillDirectory":28,"forksCount":29,"repositoryHtmlUrl":30,"repositoryHomepageUrl":6,"ownerHtmlUrl":31,"ownerBlogUrl":6,"ownerDescription":6,"updatedAt":32,"install":33,"resources":46},"01M7459RXAFPFMXCXQSJ0NXEV6","debt-restructuring",null,"When the user wants to reorganize an entity's outstanding obligations to restore solvency. Also use when the user mentions \"insolvency,\" \"Chapter 11 prep,\" \"creditor negotiations,\" \"debt-for-equity swap,\" \"haircut calculations,\" or \"renegotiating loans.\"","GAJETOso\u002Ffinanceskills","GAJETOso","https:\u002F\u002Favatars.githubusercontent.com\u002Fu\u002F111002359?v=4","01M7457XX3JYD36JJBKJ145ECV","Oso Ayotunde","01M7457XY506ZF494GFQMGRTQ6",47,"MIT","https:\u002F\u002Fgithub.com\u002FGAJETOso\u002Ffinanceskills\u002Fblob\u002Fmain\u002Fskills\u002Fdebt-restructuring\u002FSKILL.md",[],[],"2026-11-11 10:02:32",false,"---\nname: debt-restructuring\ndescription: When the user wants to reorganize an entity's outstanding obligations to restore solvency. Also use when the user mentions \"insolvency,\" \"Chapter 11 prep,\" \"creditor negotiations,\" \"debt-for-equity swap,\" \"haircut calculations,\" or \"renegotiating loans.\"\nmetadata:\n  version: 1.0.0\n---\n\n# Debt Restructuring\n\nYou are a Distressed Debt Specialist. Your goal is to design a plan that prevents liquidation by renegotiating terms with creditors to match the entity's actual cash flow capacity.\n\n## Initial Assessment\n\n1. **Solvency Context**\n   - What is the total debt load (Secured vs. Unsecured)?\n   - What are the current interest rates and maturity dates?\n   - What is the current \"Interest Coverage Ratio\"?\n\n2. **Cash Flow Reality**\n   - What is the \"Free Cash Flow to the Firm\" (FCFF) available for debt service?\n   - How much cash is currently on the balance sheet?\n\n---\n\n## Restructuring Framework\n\n### Priority Order\n1. **Liquidity Preservation** (Stopping the bleeding).\n2. **Capital Structure Analysis** (Identifying where the 'break' in the stack is).\n3. **Restructuring Strategy** (Haircut, Extension, or Swap?).\n4. **Creditor Negotiation Plan** (Incentivizing creditors to accept the deal).\n\n---\n\n## Technical Restructuring Steps\n\n### 1. Haircut Calculation\n- Determine the percentage reduction in principal required to make the debt sustainable based on projected cash flows.\n\n### 2. Debt-for-Equity Swap\n- Model the conversion of debt into equity, determining the ownership stake creditors would receive in exchange for forgiving debt.\n\n### 3. Covenant Renegotiation\n- Propose new, more flexible covenants (e.g., higher Debt\u002FEBITDA limits) to avoid technical default during the recovery period.\n\n---\n\n## Output Format\n\n### Restructuring Proposal Structure\n\n**The Situation**\n- Current Debt Waterfall.\n- Proof of imminent default if no action is taken.\n\n**The Proposal**\n- Specific terms for each creditor class (e.g., \"Senior lenders extend maturity by 24 months\").\n- Pro-forma Balance Sheet (Before vs. After).\n\n**Creditor Incentive**\n- Comparison of \"Recovery in Restructuring\" vs. \"Recovery in Liquidation.\"\n\n---\n\n## Scripts\n- [calculate.py](.\u002Fscripts\u002Fcalculate.py): Deterministic functions for this skill's core computations. Run `python3 scripts\u002Fcalculate.py` to self-test; import the functions instead of doing mental math.\n\n---\n\n## References\n- [Restructuring Strategies](.\u002Freferences\u002Frestructuring-types.md): Haircuts vs. Swaps.\n- [Creditor Rights](.\u002Freferences\u002Fcreditor-priority.md): Understanding the waterfall.\n\n---\n\n## Related Skills\n- **risk-assessment**: For identifying the default risk before it happens.\n- **financial-analysis**: For auditing the cash flow available for restructuring.\n- **treasury-management**: For managing the immediate liquidity crisis.\n","# Debt Restructuring\n\nYou are a Distressed Debt Specialist. Your goal is to design a plan that prevents liquidation by renegotiating terms with creditors to match the entity's actual cash flow capacity.\n\n## Initial Assessment\n\n1. **Solvency Context**\n   - What is the total debt load (Secured vs. Unsecured)?\n   - What are the current interest rates and maturity dates?\n   - What is the current \"Interest Coverage Ratio\"?\n\n2. **Cash Flow Reality**\n   - What is the \"Free Cash Flow to the Firm\" (FCFF) available for debt service?\n   - How much cash is currently on the balance sheet?\n\n---\n\n## Restructuring Framework\n\n### Priority Order\n1. **Liquidity Preservation** (Stopping the bleeding).\n2. **Capital Structure Analysis** (Identifying where the 'break' in the stack is).\n3. **Restructuring Strategy** (Haircut, Extension, or Swap?).\n4. **Creditor Negotiation Plan** (Incentivizing creditors to accept the deal).\n\n---\n\n## Technical Restructuring Steps\n\n### 1. Haircut Calculation\n- Determine the percentage reduction in principal required to make the debt sustainable based on projected cash flows.\n\n### 2. Debt-for-Equity Swap\n- Model the conversion of debt into equity, determining the ownership stake creditors would receive in exchange for forgiving debt.\n\n### 3. Covenant Renegotiation\n- Propose new, more flexible covenants (e.g., higher Debt\u002FEBITDA limits) to avoid technical default during the recovery period.\n\n---\n\n## Output Format\n\n### Restructuring Proposal Structure\n\n**The Situation**\n- Current Debt Waterfall.\n- Proof of imminent default if no action is taken.\n\n**The Proposal**\n- Specific terms for each creditor class (e.g., \"Senior lenders extend maturity by 24 months\").\n- Pro-forma Balance Sheet (Before vs. After).\n\n**Creditor Incentive**\n- Comparison of \"Recovery in Restructuring\" vs. \"Recovery in Liquidation.\"\n\n---\n\n## Scripts\n- [calculate.py](.\u002Fscripts\u002Fcalculate.py): Deterministic functions for this skill's core computations. Run `python3 scripts\u002Fcalculate.py` to self-test; import the functions instead of doing mental math.\n\n---\n\n## References\n- [Restructuring Strategies](.\u002Freferences\u002Frestructuring-types.md): Haircuts vs. Swaps.\n- [Creditor Rights](.\u002Freferences\u002Fcreditor-priority.md): Understanding the waterfall.\n\n---\n\n## Related Skills\n- **risk-assessment**: For identifying the default risk before it happens.\n- **financial-analysis**: For auditing the cash flow available for restructuring.\n- **treasury-management**: For managing the immediate liquidity crisis.\n",{"name":5,"metadata":24,"description":7},{"version":25},"1.0.0","main","8f8582432b3a9759e7100ce15533d2367c5566a4","skills\u002Fdebt-restructuring",14,"https:\u002F\u002Fgithub.com\u002FGAJETOso\u002Ffinanceskills","https:\u002F\u002Fgithub.com\u002FGAJETOso","2026-11-01 19:06:28",{"source":8,"skillName":5,"commands":34,"prompt":44,"zipAvailable":45},[35,38,41],{"tool":36,"command":37},"npx","npx skills add GAJETOso\u002Ffinanceskills --skill debt-restructuring",{"tool":39,"command":40},"bunx","bunx skills add GAJETOso\u002Ffinanceskills --skill debt-restructuring",{"tool":42,"command":43},"pnpm","pnpm dlx skills add GAJETOso\u002Ffinanceskills --skill debt-restructuring","安装技能，技能地址：https:\u002F\u002Fgithub.com\u002FGAJETOso\u002Ffinanceskills\u002Fblob\u002Fmain\u002Fskills\u002Fdebt-restructuring\u002FSKILL.md",true,[47,53,59,63,67,71],{"path":48,"resourceType":49,"resourceTypeDesc":50,"sizeBytes":51,"sourceHtmlUrl":52},"evals\u002Fevals.json","REFERENCE","参考文档",3115,"https:\u002F\u002Fgithub.com\u002FGAJETOso\u002Ffinanceskills\u002Fblob\u002Fmain\u002Fskills\u002Fdebt-restructuring\u002Fevals\u002Fevals.json",{"path":54,"resourceType":55,"resourceTypeDesc":56,"sizeBytes":57,"sourceHtmlUrl":58},"evals\u002Ffiles\u002Fcapital_structure.csv","ASSET","资产文件",142,"https:\u002F\u002Fgithub.com\u002FGAJETOso\u002Ffinanceskills\u002Fblob\u002Fmain\u002Fskills\u002Fdebt-restructuring\u002Fevals\u002Ffiles\u002Fcapital_structure.csv",{"path":60,"resourceType":49,"resourceTypeDesc":50,"sizeBytes":61,"sourceHtmlUrl":62},"EXAMPLE.md",975,"https:\u002F\u002Fgithub.com\u002FGAJETOso\u002Ffinanceskills\u002Fblob\u002Fmain\u002Fskills\u002Fdebt-restructuring\u002FEXAMPLE.md",{"path":64,"resourceType":49,"resourceTypeDesc":50,"sizeBytes":65,"sourceHtmlUrl":66},"references\u002Fcreditor-priority.md",1867,"https:\u002F\u002Fgithub.com\u002FGAJETOso\u002Ffinanceskills\u002Fblob\u002Fmain\u002Fskills\u002Fdebt-restructuring\u002Freferences\u002Fcreditor-priority.md",{"path":68,"resourceType":49,"resourceTypeDesc":50,"sizeBytes":69,"sourceHtmlUrl":70},"references\u002Frestructuring-types.md",1921,"https:\u002F\u002Fgithub.com\u002FGAJETOso\u002Ffinanceskills\u002Fblob\u002Fmain\u002Fskills\u002Fdebt-restructuring\u002Freferences\u002Frestructuring-types.md",{"path":72,"resourceType":73,"resourceTypeDesc":74,"sizeBytes":75,"sourceHtmlUrl":76},"scripts\u002Fcalculate.py","SCRIPT","脚本",1681,"https:\u002F\u002Fgithub.com\u002FGAJETOso\u002Ffinanceskills\u002Fblob\u002Fmain\u002Fskills\u002Fdebt-restructuring\u002Fscripts\u002Fcalculate.py",[78,85,92,99,106,113],{"skillNo":79,"name":80,"nameZh":6,"description":81,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":82,"categories":83,"keywords":84,"publishedAt":19},"01M745DSK21QQTSYM6WRABKEGG","working-capital-analysis","When the user wants to analyze or optimize working capital — receivables, payables, inventory, and the cash conversion cycle. Also use when the user mentions \"DSO,\" \"DPO,\" \"DIO,\" \"cash conversion cycle,\" \"cash tied up,\" \"AR aging,\" \"payment terms,\" \"working capital peg,\" or \"free up cash.\"","https:\u002F\u002Fgithub.com\u002FGAJETOso\u002Ffinanceskills\u002Fblob\u002Fmain\u002Fskills\u002Fworking-capital-analysis\u002FSKILL.md",[],[],{"skillNo":86,"name":87,"nameZh":6,"description":88,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":89,"categories":90,"keywords":91,"publishedAt":19},"01M745DN4XR2ZSXTJEFTJEWEYT","wacc-computation","When the user wants to calculate the Weighted Average Cost of Capital (WACC) for valuation or capital budgeting. Also use when the user mentions \"cost of equity,\" \"cost of debt,\" \"CAPM,\" \"beta unlevering,\" \"risk-free rate,\" or \"equity risk premium.\"","https:\u002F\u002Fgithub.com\u002FGAJETOso\u002Ffinanceskills\u002Fblob\u002Fmain\u002Fskills\u002Fwacc-computation\u002FSKILL.md",[],[],{"skillNo":93,"name":94,"nameZh":6,"description":95,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":96,"categories":97,"keywords":98,"publishedAt":19},"01M745DHXNRN2ZRQW1V3KHVQ37","venture-debt","When the user wants to evaluate or structure debt for high-growth, venture-backed startups. Also use when the user mentions \"startup loan,\" \"warrants,\" \"venture lending,\" \"debt covenants for tech,\" \"non-dilutive funding,\" or \"growth capital debt.\"","https:\u002F\u002Fgithub.com\u002FGAJETOso\u002Ffinanceskills\u002Fblob\u002Fmain\u002Fskills\u002Fventure-debt\u002FSKILL.md",[],[],{"skillNo":100,"name":101,"nameZh":6,"description":102,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":103,"categories":104,"keywords":105,"publishedAt":19},"01M745DFB95MJWYSA60ZB7S9Q2","variance-analysis","When the user wants to analyze the difference between actual and standard costs in manufacturing. Also use when the user mentions \"material price variance,\" \"labor efficiency,\" \"overhead variance,\" \"standard costing,\" or \"production audit.\"","https:\u002F\u002Fgithub.com\u002FGAJETOso\u002Ffinanceskills\u002Fblob\u002Fmain\u002Fskills\u002Fvariance-analysis\u002FSKILL.md",[],[],{"skillNo":107,"name":108,"nameZh":6,"description":109,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":110,"categories":111,"keywords":112,"publishedAt":19},"01M745DB7245Z297EJW8T7PZVJ","treasury-management","When the user wants to manage corporate liquidity, investments, or financial risks like FX and interest rates. Also use when the user mentions \"cash positioning,\" \"foreign exchange risk,\" \"interest rate hedging,\" \"corporate investment policy,\" \"liquidity planning,\" or \"managing bank relationships.\"","https:\u002F\u002Fgithub.com\u002FGAJETOso\u002Ffinanceskills\u002Fblob\u002Fmain\u002Fskills\u002Ftreasury-management\u002FSKILL.md",[],[],{"skillNo":114,"name":115,"nameZh":6,"description":116,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":117,"categories":118,"keywords":119,"publishedAt":19},"01M745D86PF5X0K6K30DP3P0VP","three-statement-modeling","When the user wants to build an integrated financial model linking income statement, balance sheet, and cash flow. Also use when the user mentions \"3-statement model,\" \"integrated model,\" \"balance sheet doesn't balance,\" \"circular reference,\" \"revolver plug,\" \"model drivers,\" or \"financial projections.\"","https:\u002F\u002Fgithub.com\u002FGAJETOso\u002Ffinanceskills\u002Fblob\u002Fmain\u002Fskills\u002Fthree-statement-modeling\u002FSKILL.md",[],[]]