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A curated hub for small-business owners facing unsupportable debt—practical guides to non-bankruptcy debt resolution that preserve core business value and jobs while aligning outcomes for owners and creditors. Expect explainers on reorganizational fundamentals, resolving personal guaranties, and tactical moves across SBA loan workouts, MCA exposure, tax and lease obligations, and vendor/landlord negotiations—showing paths to either a turnaround or an orderly exit.
Business owners sometimes search for ways to “protect business assets” from aggressive commercial creditors. In a restructuring context, that phrase can point in the wrong direction. The objective is not to put assets beyond the reach of legitimate creditors. It is to protect the operating business — its cash flow, operating accounts, receivables, working capital,…
(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…
We see a version of the same situation often enough that it has become familiar. A company hits an operating problem. A large customer is slow to pay. Margins come in below plan. A piece of equipment fails, inventory has to be rebuilt, or a project runs over budget. Management needs cash quickly and does…
One of the things business owners often tell us after an MCA problem has been resolved is that they understand why they took the advances in the first place. The money was fast. The underwriting was light. There was no long process around receivables, collateral, projections or financial reporting. When cash was tight, the MCA…
When MCA payments have been re-amortized, there is usually a period of several months in which the company is making the new payments and the immediate cash pressure has eased. That is when we start looking more seriously at what it would actually take to replace the remaining MCA debt with another kind of capital….
When a business gets meaningful relief on its merchant cash advance payments, the immediate improvement can be dramatic. The operating account begins to hold more cash, management has more flexibility around payroll and vendors, and the company is no longer organizing every day around what will be withdrawn next. That relief is potential material because…
When a business comes to us with several merchant cash advances, management usually arrives focused on the payment number. The daily or weekly withdrawals are too high, cash is disappearing faster than the company can replenish it, and the immediate objective is to get the payments reduced. That may be exactly the right thing to…
When a company comes to us with four or five merchant cash advances, management is usually focused on the stack as it exists today. They know the balances, the daily or weekly withdrawals, which funder is creating the most pressure and which payment finally became impossible to absorb. We generally learn more by going back…
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…
Speak with a specialist who can evaluate your situation and reveal strategies to help your business.
Speak with a specialist who can evaluate your situation and reveal strategies to help your business.
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