Six practice areas. One documented outcome.
Most engagements combine more than one of these. The assessment determines which apply to your position and in what order.
Debt Restructure Solutions
We map every obligation on your balance sheet, then rebuild the repayment structure around what your business actually produces each month. The goal is a single, survivable payment schedule instead of a pile of competing withdrawals.
- Lower combined monthly outflow
- Fewer counterparties to manage
- A written schedule with a defined end date
MCA Settlement
Merchant cash advances behave differently from conventional credit: daily or weekly withdrawals, personal guarantees, and aggressive collection pressure. We work these positions specifically, negotiating reductions and pausing the drain on your deposits.
- Reduced settlement balances
- Predictable payments in place of daily withdrawals
- A single point of contact for funder communication
Business Loan Modification
Sometimes the debt is sound and the structure is wrong. We prepare the documentation lenders need to justify a modification, then negotiate revised rates, terms, and amortisation that leave working capital in the business.
- Lower effective interest cost
- Extended runway
- Working capital retained in the business
Vendor & Supplier Debt Relief
Trade debt is different: you still need the vendor tomorrow. We negotiate balances and payment plans in a way that resolves the arrears without severing the commercial relationship your operation runs on.
- Reduced trade balances
- Supply continuity
- Restored credit terms where achievable
Debt Recovery & Restructure
When a dispute or default has already escalated, the objective shifts to containment. We negotiate documented settlement agreements that close out the exposure on defined terms and stop the situation from expanding.
- Defined, documented exposure
- Written releases on completion
- Collection contact routed away from your staff
Business Debt Consolidation
Fragmentation is expensive. Consolidating obligations into a single administered plan reduces the cost of managing them and gives you one number to plan around instead of a dozen withdrawal dates.
- One payment date
- Clear total cost
- Forecastable cash flow
Sector-specific pressure points
The obligations differ by industry. So does the order we negotiate them in.
Trucking & Logistics
Fuel volatility, equipment notes, and factoring arrangements make freight operators unusually exposed to stacked short-term debt.
- Equipment and lease obligations
- Factoring and advance stacking
- Seasonal freight-rate swings
Restaurants & Hospitality
Thin margins and daily withdrawal schedules leave almost no room for a slow month or a delayed reopening.
- Daily withdrawal pressure
- Landlord arrears
- Supplier credit holds
Construction & Contracting
Progress billing and retainage create long gaps between work performed and cash received, which advances then fill expensively.
- Retainage timing gaps
- Subcontractor payables
- Bonding considerations
Medical & Dental Practices
Practices carry equipment financing and build-out debt against reimbursement cycles they do not control.
- Equipment financing
- Build-out and expansion debt
- Reimbursement delays
Auto Repair & Dealerships
Inventory and parts financing sit alongside working-capital advances, often with overlapping security interests.
- Inventory and floor-plan debt
- Parts supplier arrears
- Overlapping liens
Professional & Main Street Business
Agencies, retailers, salons, and service firms with a handful of advances and no room left in the operating account.
- Multiple short-term advances
- Card and line balances
- Personal guarantee exposure
Ready to see what your business can actually save?
A senior advisor will review your obligations and tell you plainly whether restructuring is the right route. Free, confidential, no application fee.