What a restructured position actually looks like
Each engagement below shows the enrolled balance, the negotiated settlement, and how the plan was sequenced. Figures are from actual client engagements; individual outcomes vary.
Regional Freight Carrier
Southeast · 11 months plan
The situation
Five overlapping advances plus two equipment notes were pulling more from the operating account than weekly settlements brought in.
Our approach
Positions were ranked by leverage and negotiated in sequence while equipment notes were separately modified to protect the fleet.
The outcome
Daily withdrawals were replaced by one monthly payment and the carrier retained every truck in service.
Multi-Unit Restaurant Group
Southeast · 9 months plan
The situation
Three advances taken across a slow season, compounded by landlord arrears at two of four locations.
Our approach
Advance balances were negotiated down while lease arrears were separately restructured into a deferred catch-up schedule.
The outcome
All four locations stayed open and supplier terms were reinstated within the plan period.
Commercial Contractor
Mid-Atlantic · 14 months plan
The situation
Retainage on two large projects left a nine-figure-revenue contractor unable to service short-term debt taken to cover payroll.
Our approach
A consolidated plan was aligned to the project collection calendar so payments tracked actual receipts.
The outcome
Bonding capacity was preserved and both projects were completed without a subcontractor lien.
Dental Practice Group
Southwest · 8 months plan
The situation
Build-out debt and equipment financing overlapped with two working-capital advances taken during an expansion.
Our approach
Equipment financing was modified while the advances were settled, sequencing the negotiation to protect the practice's banking relationship.
The outcome
The second location opened on schedule with a single consolidated obligation remaining.
Results are specific to each engagement
Prior outcomes do not predict future results. The reduction achievable in any position depends on creditor type, security interests, guarantees, documentation, and the financial condition of the business.
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