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Fully resolve debt while preserving the business.
Whether you’re a small business owner or the CEO of a complex organization, restructuring fundamentals create a controlled pathway to resolving business debt.
Preserving value that would otherwise be lost to bankruptcy or failure creates a win-win for all parties. By result, business debt is resolved while personal guarantees are reduced to an acceptable loss.
Our Approach
Introducing the RISE Program
Our RISE Program (Restructure, Insulate, Strategize & Emerge) offers the rational and ethical alternative to bankruptcy and failure for businesses of any size.
Small Business
Over the past 15 years, Second Wind has restructured and preserved thousands of distressed businesses through our RISE program.
Restructure
Over the past 15 years, Secondwind has perfected restructuring solutions for businesses of all sizes – not just the largest corporations deemed “too big to fail.” Restructuring preserves business value to the benefit of all parties – including business owners and their creditors.
As a pragmatic alternative to more debt, bankruptcy or failure, restructuring offers the most ethical and certain path to resolving distress, while preserving businesses, jobs and economic activity.
Insulate
We immediately insulate cash flow, operating accounts, receivables and customers from legally unwarranted creditor interference. Stabilizing the business puts control in the hands of owners—not creditors—to define the path moving forward.
Strategize
Every business is different. Whether a small business with outstanding SBA or MCA obligations, or an enterprise level company with complex vendor chains, board of directors and other variables, we create a single, global path to resolution.
Emerge
The principle is simple: when we preserve business value that would otherwise be lost or destroyed through bankruptcy, all parties can benefit—owners and creditors alike. The RISE Program will resolve the vast majority of debt, resolve personal guaranties, and create a path for you to emerge from distress toward a true corporate turnaround or successful exit.
Get the Full MCA Debt Relief Guide
Learn how the process works, what to avoid, and how to choose the right firm.
Featured Posts
Selected perspectives on how businesses overcome distress and find a path forward.
MCAs: Can ABLs and Factors Stop the Collateral Damage?
MCA encumbrances don’t just hurt business owners—they destabilize the lenders trying to serve them. This piece explains how Article 9 restructuring gives ABLs and factors a practical, court-free tool to eliminate MCA interference and turn distressed credits into clean lending opportunities.
How Asset-Based Lenders Can Leverage Article 9 to Generate Business, Mitigate Loss
This piece breaks down how Article 9 restructuring works as both a defensive and offensive tool for ABLs—cleaning up distressed credits without costly litigation while turning previously unlendable deals into clean first-position opportunities.
The Clean Slate: Mastering Article 9 Restructuring
ABF Journal’s Editor in Chief Rita Garwood sits down with Adam Duso of Second Wind Consultants and Jacen Dinoff of KCP Advisory to break down how Article 9 restructuring works as a faster, cleaner alternative to bankruptcy for middle-market companies buried in layered debt.
Latest Insights
Resources to help you gain greater insights into our process, and expert advice to help grow and build a sustainable business.
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How to Protect a Business From Aggressive MCA Creditors: A Restructuring Perspective
Business owners sometimes search for ways to “protect business assets” from aggressive commercial creditors. In… -
How to Qualify for an SBA Loan Modification or Deferment (2026 Update)
(For 7(a), 504, and Microloans—not EIDL loans). There’s an art and a science to negotiating… -
Did You Know You Took an MCA? Before Adding Fast Business Financing, Talk to the Lender Who Already Knows Your Business
We see a version of the same situation often enough that it has become familiar…. -
Life After MCAs: How a Business Avoids Falling Back Into the Same Financing Trap
One of the things business owners often tell us after an MCA problem has been…
Interested in learning more? Schedule a free fact-finding consultation.
Yes, resolve business debt.
Find out more about the rational and ethical path to preserving the value of your business and resolving unsupportable debt.
Here’s what will happen next:
Initial Assessment
We’ll contact you for an initial fact-finding conversation to assess your situation.
Full Debt Consultation
We’ll schedule a no-obligation, one-hour consultation with a RISE Debt Resolution Strategist within 24 hours.
Know Every Option
You decide the path that is in your best interest.
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