Two problems. Two purpose-built programs.
Most firms sell one process and fit every business into it. Distress does not work that way. Where you sit — still current, or already stacked and behind — changes the instrument entirely, and the wrong instrument costs real money.
The Cashflow Reset™
Built for businesses that are current today and will not be in ninety days.
A structured demand-and-negotiation program for owners who are still current on their advances but watching the daily withdrawal eat the operating account. Most short-term funding agreements contain an adjustment provision that ties the debit to actual receipts. Almost nobody uses it. We do.
- Receipts reconstruction — Week 1
- Adjustment demand — Week 2
- Negotiated recalculation — Weeks 3–6
- Papered terms & monitoring — Week 6 onward
The Priority Ladder™
Built for owners with multiple positions, competing withdrawals, and no room left in the account.
A sequencing program for businesses carrying three or more overlapping obligations. Every position in a stack has different leverage, different security, and a different tolerance for a discount. Negotiating them in the wrong order costs you the discount on all of them.
- Stack mapping — Weeks 1–2
- Leverage scoring — Week 2
- Sequenced negotiation — Months 1–9
- Release verification — At each closeout
The dividing line is whether you have defaulted.
It is the single question that determines which program applies, and it is the first thing a Berkshire advisor will ask you.
Still current
You are making every payment, but the withdrawal has outgrown the business. You still hold contractual rights inside the agreement and your credit posture is intact. The Cashflow Reset protects both.
The Cashflow ResetBehind, or stacked
Multiple holders, overlapping withdrawals, and at least one position accelerated or in collection. What you need is not a lower payment but a settlement sequence. The Priority Ladder builds it.
The Priority LadderNot sure which one applies to you?
Send us your positions and a senior advisor will tell you which program fits — or tell you honestly that neither does.