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If your business needs Merchant Cash Advance relief and is crippled by weekly or daily withdrawals, Second Wind Consultants can help.
MCAs may seem like an attractive solution for businesses that have had a disruption in cash flow or need capital to pursue a time-sensitive opportunity, but the terms are often unsupportable.
Many thousands of businesses are forced into failure as the payback on this type of advance strangles their operating funds. We are one of few merchant cash advance resolution companies that offer business owners trapped in this situation an affordable way out of the debt spiral. Together, we’ll outline a clear path toward regaining control of your finances and your life.
Our process is simple. During your free, no-obligation consultation, we’ll dive deep into your unique circumstances. Once we have determined that we can help, we’ll design a strategy that will significantly reduce, or even fully resolve, your debt.
Ranked #1 by ABL Advisor, a top finance and turnaround management publication.
The MCA and personal guarantee resolution
division of Second Wind Consultants
There is no one-size-fits-all Merchant Cash Advance relief solution.
However, our MCA debt resolution strategies, such as Article 9 restructuring or Credit Rehabilitation Restructuring (CRR), are all centered around the following actions:
Restructure
Our restructuring solutions work for businesses of all sizes, not just the largest corporations deemed too big to fail. Whether you’re a small business with outstanding SBA obligations, or an enterprise-level company with a complex board of directors, we create a single, clearly outlined path to resolution.
We resolve unsupportable debt and restore cash flow using tools that go beyond negotiation. When necessary, we implement structural protections—like Article 9 balance sheet restructurings—to shield your business from lawsuits, bank levies or UCC 9-406 interference.
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 protect operating accounts, receivables, and customer relationships from legally unwarranted creditor disruption. Even if a lender turns hostile, your revenue continues uninterrupted, and vendor and client trust remains intact.
Strategize
This is where long-term stability begins. We assess the true health of your business and craft a custom strategy—whether that means refinancing out high-cost debt or executing a full corporate balance sheet restructuring to rebuild a clean, fundable capital structure.
Emerge
The RISE Program will settle the majority of your debt, resolve your personal guaranties and allow you to emerge from distress.
After restructuring, your business operates on a solid new foundation. We remain by your side—tracking KPIs, strengthening operations and ensuring you stay on a path of sustainable growth, never again vulnerable to over-leverage or predatory capital.
The MCA debt restructuring process described above is your path to total resolution—but time is of the essence.
Check out our MCA Debt Relief Guide to understand exactly how the process works and what to look for in a firm you can trust.
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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