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A curated hub for ABL and factoring professionals—focusing on how Article 9 reorganizations eliminate subordinate debt, create clean first-position lending opportunities, and turn over-leveraged or MCA-burdened businesses into financeable, transactable entities. Expect practical guidance on boosting originations, executing clean exits without formal liquidation, and preserving client relationships—often yielding a debt-free, ready-to-lend enterprise in 45–60 days.
This webinar provides an overview of how an Article 9 sale can be beneficial for business preservation and how purchasers can be incentivized by the attractive entry cost of the asset valuation. The International Factoring Association, Northeast Chapter, presents an informative webinar on Article 9 for business preservation. Join Becker Shareholder, Paul Shur, Second Wind…
By Robert DiNozzi. Originally published in ABL Advisor on March 17, 2025. For factors and secured lenders, business distress often means opportunity lost. When an applicant is overleveraged with MCAs or a current client faces insolvency because of their involvement, it can appear there is no viable path forward. Lenders often exit factoring relationships that have deteriorated, unaware…
What you need to know about UCC 9-406 and how to protect your interests. Merchant Cash Advance (MCA) providers have gained a reputation for aggressive collection tactics, but one of their most disruptive and legally questionable strategies involves the misuse of UCC 9-406—a provision meant to protect secured lenders. When misused, this tactic redirects borrower…
As published in ABF Journal on July 21, 2022. By Robert Dinozzi, Chief Growth Officer, Second Wind Consultants For decades, private equity investors have taken distressed assets through a process to divorce them from subordinate liens. An analogous, lender-initiated process (the UCC Article 9 reorganization) clears up the traditional bottleneck in bank-to-ABL transitions, ultimately leading to the next evolution…
For factors, business distress often means lost opportunity, but that doesn’t have to be the case. Whether it’s an overleveraged, unfinanceable applicant or a current client whose operation finds itself on the brink of insolvency, there is a tool to help factors create and keep more business. Article 9 of the Uniform Commercial Code (UCC)…
Transworld Business Advisors offers this training on how to use Article 9 as a means to find new opportunities and close more deals.
In a follow-up to an article from earlier this year, Robert DiNozzi of Second Wind Consultants and Harvey Gross of HSG Services expand on the benefits of a UCC Article 9 sale when it comes to protecting against merchant cash advance threats to a lender or factor’s portfolio. After a long hiatus, merchant cash advance…
As published in ABFJournal on October 15, 2021 By Robert DiNozzi, Kevin McGarry, Entela Semini and Aaron Todrin Article 9 of the Uniform Commercial Code is a transactional tool that allows asset-based lenders to bolster business development and mitigate risk and/or loss. It is a holistic and pragmatic out-of-court reorganization approach for extracting value from distressed businesses….
Removing distress from transactions in 2020. Presented by Cornerstone Alliance and Second Wind Consultants.
This interactive webinar provides an overview of how the use of an Article 9 sale can be beneficial for business preservation, giving the seller incentive by providing the opportunity to earn from the new business in a non-ownership capacity and giving creditors the chance to increase recovery value on defaulted loans. TMA Central Texas: As…
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Speak with a specialist who can evaluate your situation and reveal strategies to help your business.
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