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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.
Originally published in ABF Journal. I’ve written extensively about MCA-related issues for lenders and borrowers over the past several years. At the recent IFA conference in Nashville, I was struck by the need for more robust conversations around actionable MCA solutions for the factoring industry. Because they exist, yet still aren’t a part of every…
Originally published in ABL Advisor. In a prior article, Main Street MCA Distress: Emerging Opportunity for Secured Finance and Credit Rehabilitation, I presented a framework for credit rehabilitation—specifically, how MCA distressed businesses can be stabilized and positioned to re-enter conventional financing channels, and how this process creates significant opportunities for asset-based lenders and the broader secured…
Originally published in ABL Advisor. Michael Petrecca of Rise Alliance and Adam Duso of Second Wind Consultants join Michael Toglia, Publisher of ABL Advisor, for a timely and insightful conversation on the escalating Merchant Cash Advance (MCA) debt crisis impacting small businesses nationwide. Together, they examine the structural challenges facing borrowers amid limited refinancing options, the…
Originally published in ABL Advisor. Adam Duso of Second Wind Consultants and Curtis Powell of nFusion Capital meet with Michael Toglia of ABL Advisor to explore the complex intersection of Article 9 proceedings, balance sheet restructuring, and the growing influence of Merchant Cash Advances on the factoring and financing landscape. The conversation also delves into the recently…
Originally published in ABF Journal. This guide cuts through the noise in the MCA debt relief market, helping business owners, lenders, and advisors distinguish real restructuring solutions from high-risk “relief” tactics that can make a bad situation worse. This is an independent MCA debt relief firm comparison guide intended to support business owners, lenders, and…
Originally published in ABF Journal. Faced with over-advances and stacked MCAs, Sallyport Commercial Finance achieved full recovery through a borrower’s Article 9 restructuring that preserved collateral, stabilized operations and avoided liquidation losses. Sallyport Commercial Finance was over-advanced on a $1 million factoring line to a Hawaii-based trucking and logistics firm, exceeding collateral by nearly 25%….
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 ABF Journal. 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 recruited lender (GemCap)…
Originally published in Journal of Corporate Renewal. 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 firms came together to…
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