Lunch Money is where work-outs, special situations and commercial finance specialists give us their take on the weeks’ news. The focus this week is on preparing for the next phase of the “Covid Recession”. In September, JobKeeper ends, and deferred loan repayments become due again. At the same time, business owners will no longer be quarantined from the threats of insolvent trading and business wind-up through statutory demands. There will be economic stimulus by governments at all levels – but business owners will need to keep the financial support of their bankers and trade suppliers if they are going to go beyond survival and make the most of the opportunities that arise. Our panel this week features "Safe Harbour" specialist Ginette Muller (Partner, Hall Chadwick), together with restructuring lawyer Hector West (Hall & Wilcox). We will ask Ginette and Hector what measures business owners can take to preserve their business fire power and gain the trust of their bankers and suppliers in order to survive the long hall and ensure a return to prosperity.