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Robert DiNozzi highlights risks and solutions for lenders in two Industry Insight articles. Robert DiNozzi, TMA global board of trustee and Chief Growth Officer at Second Wind Consultants, has published two significant articles on the risks surrounding Merchant Cash Advances (MCAs) and the related “debt relief” industry—providing lenders and advisors with actionable guidance. In “Main…
Originally published in ABL Advisor. Policy change by SBA to exclude MCA obligations from refinancing eligibility has created a crisis for small businesses trapped in high-cost debt. This void presents a significant opportunity for the private lending and secured finance ecosystem to step and offer a path to credit rehabilitation. Main Street’s debt crisis isn’t…
Originally published in ABF Journal, by Rita Garwood. Distress is rising across commercial real estate, healthcare, trucking, consumer goods and more, driven by tariffs, rising costs, labor shortages and tighter lending. Top restructuring advisors share where the pressure is building, how companies are getting tripped up and what to expect as the market heads toward a…
Originally published in ABFJournal. Economic nationalism has proven durable across administrations. For lenders, the real story isn’t politics but the financial strain: eroded borrower margins, unpredictable collateral values, and balance sheets stretched thin by policy-driven shocks. Tariffs first reemerged as a centerpiece of U.S. trade policy during the Trump administration in 2018. At the time,…
This article was originally published in the September 2024 issue of the Turnaround Management Association’s Journal of Corporate Renewal. When the Article 9 asset sale is pre-packaged with debtor consent to a going-concern transaction, the previously humble liquidation mechanism becomes a pragmatic out-of-court restructuring tool, prioritizing the interests and recovery value of senior secured creditors above all…
Originally published in ABFJournal on January 23, 2023 Handaband USA was a thriving business in the oil and gas market in Texas until unpredictable fuel prices made it difficult to sustain its growth. This is the story of how its previous lender (Crestmark), an Article 9 reorganization, its current owner (Logan Fund) and its newly…
Originally published in Journal of Corporate Renewal on October 6, 2025. In 2023, Namco Pool & Spa was on the brink of financial failure—overleveraged, burdened by nonperforming leases and facing a liquidity crisis. Bankruptcy would have wiped out key investments, strained customer and supplier relationships and drained resources in protracted proceedings. Instead, two TMA member…
ABL Advisor listed Second Wind Consultants as a top-recommended firm for MCA-distressed borrowers. See original article here. The Problem with Online MCA Debt Relief Promises When distressed business owners search online for merchant cash advance help, they’re often met with promises of fast relief and massive payment reductions. But for borrowers, lenders, and restructuring professionals…
By Robert DiNozzi, originally published in ABF Journal. Merchant Cash Advance (MCA) agreements have become a prevalent form of alternative financing, particularly among small and distressed businesses. Marketed as sales of future receivables rather than traditional loans, these agreements allow funders to withdraw fixed daily or weekly payments directly from a business’s bank account until…
ABL Advisor named Second Wind Consultants a TOP MCA relief firm. The 10 Questions Business Owners Must Ask Any “MCA Debt Relief” Firm — Before They Sign! A guide you can share with borrowers to protect them from false promises, predatory fees, and deeper financial trouble. If your borrower is drowning in merchant cash advances…
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