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…
Most businesses emerging from MCA distress don’t fail because they aren’t recovering. They fail because no one can see that they are. That’s the underwriting gap—and it’s kept a massive segment of the lower middle market locked out of conventional financing, even when the business itself has stabilized. The problem isn’t always the collateral. It’s…
Originally published in ABF Journal. I’ve written extensively about MCA-related issues for lenders and borrowers over the past several years. At the recent IFA conference in Nashville, I was struck by the need for more robust conversations around actionable MCA solutions for the factoring industry. Because they exist, yet still aren’t a part of every…
Robert DiNozzi, Chief Growth Officer of Second Wind Consultants—Rise Alliance’s parent company—was recently featured among this year’s Innovator award winners in ABF Journal, one of the most respected publications in specialty finance. The piece explores how AI and data-driven decision-making are reshaping the future of capital, and Robert’s contribution cuts through the noise: technology is…
Originally published in ABF Journal. As Chief Growth Officer of Second Wind Consultants, Robert DiNozzi focuses on resolving business distress and preserving operating companies across the lower middle market. His work centers on applying Article 9 restructuring under commercial law to execute non-judicial transactions that realign incentives across lenders, owners and investors. Instead of relying on court-driven processes…
Aaron Todrin, President of our sister company, Second Wind Consultants, previously worked as a bankruptcy practitioner. After walking many clients through Chapter 7, Chapter 11 and Chapter 13 and watching businesses get needlessly destroyed through a broken system—we created the RISE process as an alternative to bankruptcy. Second Wind and Rise Alliance’s debt resolution process…
Realistic debt settlement and personal guaranty resolution that’s in the best interest of you, your business and even your creditors. Because if your business succeeds, all parties win.
