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 opacity. Fragmented capital structures, inconsistent reporting and no clean way to demonstrate performance mean lenders have no reliable basis to move forward.
Robert DiNozzi, Chief Growth Officer of our parent company Second Wind Consultants, tackles this problem head-on in a new article for ABL Advisor. The piece makes the case that third-party AR and AP control platforms aren’t just administrative tools—they’re underwriting infrastructure. By centralizing receivables, structuring disbursements and creating an auditable performance record, these platforms convert stabilization into something a lender can actually evaluate.
Rise Alliance Principal Michael Petrecca is among the industry voices quoted in the article, alongside lenders, legal counsel and platform operators working at the intersection of distressed finance and credit rehabilitation.
If you’re a business owner who’s been told you can’t access conventional financing after an MCA workout, this article explains why—and what the path forward actually looks like.