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A curated hub for enterprise leaders facing unsupportable debt—covering non-bankruptcy debt resolution and reorganizational fundamentals that preserve core business value while enabling turnarounds or orderly exits. Expect clear explainers on alternatives to the “pay or fail” mindset, how to align outcomes for owners and creditors, and tactical guidance across issues like loan workouts, tax and lease obligations, MCA exposure, and vendor/landlord negotiations.
(For 7(a), 504, and Microloans—not EIDL loans). There’s an art and a science to negotiating a modification or deferment on your SBA debt. Think of it as a balancing act between you, your guarantors and the lender. You need to show that your business truly needs relief, while also proving that it’s strong enough to…
Originally published in ABF Journal. The merchant cash advance relief marketplace has become increasingly crowded with firms promising lower payments, negotiated settlements and immediate cash flow relief. Most business owners entering the MCA resolution market encounter a familiar promise: “Reduce your MCA payments by 70%.” For a business facing immediate cash-flow pressure, the appeal is…
Moving your bank account is one of the most common ideas business owners consider when MCA withdrawals become unbearable. It is also one of the most misunderstood. At first glance, the logic seems simple. If MCA providers are taking money from the account every day, then moving the money to a new account might stop…
Most business owners facing MCA pressure are looking for a direct answer: Can you stop MCA lenders from taking money from your account? The honest answer is that it depends on what you mean by “stop.” If you mean simply blocking withdrawals, moving accounts or cutting off access without a broader strategy, that approach can…
If your MCA is taking money from your account every day, the immediate question is obvious. Why is this happening? The answer is usually found in the structure of the merchant cash advance agreement. MCA providers often collect through daily ACH withdrawals or other direct access to the borrower’s cash flow. That means money leaves…
If you’re trying to stop daily ACH withdrawals from MCA lenders, your business is probably already under serious cash-flow pressure. The withdrawals keep happening. Every day, money leaves the account. It may not matter whether sales are down, whether payroll is coming due, whether vendors need to be paid or whether the business has enough…
If you’re searching how to stop MCA withdrawals, it’s because your business is being drained in real time. Money is leaving your account every day. Payroll is getting tighter. You’re pushing vendor payments further out just to survive. And whatever you’ve tried so far hasn’t changed the outcome. Most of what you’ll find online sounds…
Produced by Second Wind / Rise Alliance for TMA. TMA’s global community—spanning advisors, attorneys, lenders, and operators—plays a critical role in helping businesses navigate complexity, adapt to change, and recover stronger. Behind every successful turnaround is a network of experienced professionals collaborating to solve high-stakes challenges and preserve value. TMA is proud to share the…
You’re a customer who has always paid on time. Then you receive a UCC 9-406 notice—and you hesitate. You don’t want to make a mistake. You don’t want to pay the wrong party. So you wait. The Real Mechanism Behind Payment Disruption That hesitation is the mechanism. A UCC 9-406 notice often causes payment delay—even…
You’re a customer paying a business under normal terms. Then you receive a UCC 9-406 notice telling you to send payment somewhere else—while the business tells you to keep paying them. Now you’re caught in the middle. A UCC 9-406 notice often creates this type of conflict—especially in MCA-driven situations where the sender does not…
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Speak with a specialist who can evaluate your situation and reveal strategies to help your business.
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