Originally published in ABF Journal, by Rita Garwood. Distress is rising across commercial real estate, healthcare, trucking, consumer goods and more, driven by tariffs, rising costs, labor shortages and tighter lending. Top restructuring advisors share where the pressure is building, how companies are getting tripped up and what to expect as the market heads toward a…
ABL Advisor named Rise Alliance a TOP MCA relief firm. Download the guide: The 10 Questions Business Owners Must Ask Any “MCA Debt Relief” Firm. Protecting business owners from false promises, predatory fees, and deeper financial trouble. If your borrower is drowning in merchant cash advances (MCAs), they’re not alone—and they’re not without options. But…
Originally published June 24, 2025 in ABF Journal. The Problem with Online MCA Debt Relief Promises When distressed business owners search online for merchant cash advance help, they’re often met with promises of fast relief and massive payment reductions. But for borrowers, lenders, and restructuring professionals alike, those promises come with a cost—and in many…
By Robert DiNozzi, Chief Growth Officer at our sister company, Second Wind Consultants. Originally published April 25, 2025 in ABF Journal. Merchant Cash Advance (MCA) agreements have become a prevalent form of alternative financing, particularly among small and distressed businesses. Marketed as sales of future receivables rather than traditional loans, these agreements allow funders to…
Merchant Cash Advance (MCA) firms have long been known for aggressive tactics—but one of their most disruptive moves involves a little-known provision of the Uniform Commercial Code: UCC 9-406. While intended to protect legitimate lenders, this statute is increasingly being twisted to disrupt business operations and undermine existing credit arrangements. Understanding UCC 9-406 UCC Article…
When a business owner is buried under the weight of MCA debt, the promise of quick relief can seem like a lifeline. But as with any lifeline, the details matter. Today, two forms of commercial debt settlement dominate the online landscape. Both promise relief. Both are aggressively marketed. And both can leave your business worse…
By Robert DiNozzi, Chief Growth Officer at our sister company, Second Wind Consultants. Originally published March 14, 2025 in ABF Journal. When business owners find themselves buried in debt—especially high-cost products like Merchant Cash Advances (MCAs)—they often turn to debt settlement companies for help. Unfortunately, many of these companies are just as predatory as the…
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…
Sean McCarthy, one of the Senior Strategists at our sister company, Second Wind, explains how we help those who have gotten in too deep with unsupportable business debt. Second Wind Consultants and Rise Alliance offer solutions to businesses of all sizes that were previously available only to the largest corporations. Whether your company is struggling…
Turnaround Management Association CEO, Scott Stuart, interviews Aaron Todrin, of our sister company, Second Wind Consultants, at the 2019 TMA conference. The scope, practices and need for reform in the Merchant Cash Advance industry are discussed, along with the risk MCAs pose to businesses and the challenges they present to corporate turnaround professionals. Second Wind…
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.
