Resolving business distress.
Preserving what you built.
Restructur stops the money leaving your business and rebuilds it on clean ground. Same revenue. Same customers. Different outcome.
$297, one time. Report and strategy call within one week.
Account frozen or sued this week? Call (248) 963-7159.
If you already paid someone to fix this, you are not the only one.
Most operators who call us have been through at least one company first. A consolidator that took a weekly payment and stalled. A settlement shop that told them to stop paying their lender, then went quiet. An attorney who wanted fifty thousand dollars up front to file.
So ask us the hard questions. What are you doing, when are you doing it, and what does it cost. We will answer all three before you pay anything, and we will show you the file.
The business earns. The cash never makes it to you.
You took capital to grow. Then you took more to cover the first. Now four to eight positions debit your account every morning before you have made a sale. The business is fine. The structure around it is killing it.
- The daily pulls hit before payroll clears.
- Three, four, sometimes seven advances stacked on top of each other.
- They call four times a day. Different states, different numbers, different people.
- They froze the card processor and the business stopped.
- The SBA loan, the vendors, and the tax bill are all waiting behind the advances.
- You took another advance to cover the last one.
"Last month I kept five thousand dollars. The business did four hundred thousand in revenue."
That gap is not a revenue problem. It is a structure problem. Structure is fixable.
Day one, the phone stops being your problem.
Right now your employee picks up the front line and it is not a customer, it is a collector. You are screening your own phone. You are avoiding email.
On day one we send certified debt validation demands to every position and put our number in front of yours. They can call us five times a day if they want. We will pick up. You go back to running the business.
The part that does not show up on a balance sheet.
You have not paid yourself in months. Payroll goes first, then materials, then vendors, and there is nothing left by the time it gets to you.
Your spouse knows something is wrong. Your bookkeeper is exhausted and you feel responsible for putting her there. You have not told your employees how close it got.
None of that is on a financial statement, and all of it is why this needs to end.
When you call, a person who has read your file answers.
Not a phone tree. Not an offshore script. You talk to someone who already knows what is pulling from your account and what we can do about it. That is the whole difference. We are a small senior team and we answer our own phone.
Two levers. Everything else is how.
We are not a debt company. We are a cash flow company. We cut what leaves the business and raise what stays in. The legal work behind it is how we get there, not the point.
Less money out
The pulls stop. Payments that are not critical stop. We challenge the lenders that are taking more than they are entitled to. Cash starts staying in the account in the first week, not the first quarter.
More money in
Frozen customer payments released. Card processing turned back on. Margin you were giving away comes back. New funding once the business is clean enough to qualify. The revenue was always there. Now it reaches you.
Four moves, in order.
Order first, creativity later. We steady the business, then rebuild it. Day one we do three things: document what the business can actually afford, step in as the management layer, and confirm who really has a claim on your assets.
See what's real
We pull the public records showing who has a claim on your business, plus every lawsuit and judgment against you and your companies. Most owners find out their lenders have far less power than the daily withdrawals make it feel. Some of them are running on pressure alone.
Business Intelligence ReportTake back authority
We document what the business can actually afford, then step in as the management layer so creditors deal with us, not you. The calls come to us. The letters come to us. You stop negotiating with nothing to say.
We take the callsMove to clean ground
We move the operation to a clean company and leave the old debt behind. The business keeps running. Any personal promises to pay are handled separately, apart from the business.
Clean companyRestore good business
Banking, card processing, contracts, and licenses move across. New funding when the business is ready. You go back to running it instead of defending it.
90-day moveTell us what is pulling, then pick a time.
The mechanism, in plain terms.
A clean company takes over the operation. The old debt stays where it belongs. Any personal promise to pay is handled on its own terms.
This is the same body of law lenders use every day when they take property that was pledged to them. We run it from your side, and we run it properly: written notice to every lender with a claim, a documented picture of what the business can afford, and licensed attorneys doing the legal work. It is not changing your company name and hoping nobody notices. Doing it right is what makes it hold if anyone challenges it.
We do not file paperwork and walk away. We move the whole business over to clean ground across about ninety days. Most small lenders and the SBA have little real power to stop it, and the aggressive cash advance companies usually have the least. The report shows you which is which.
The businesses we serve. The debt we handle.
Restructur is built for operating businesses with real revenue and a tangled pile of debt. If your industry and your debt are on these lists, we can help.
Restaurants & hospitality
MCA, SBA, EIDL, vendor & equipment debt
Transportation & trucking
Truck loans, factoring, MCA, SBA & EIDL
Construction & contractors
MCA, equipment, SBA, bonding & term loans
Medical & professional services
Build-out, equipment, SBA, MCA & tax debt
Retail & licensed trades
Inventory, processor, MCA, SBA & vendor debt
Operators in every major market.
We work with privately held companies across the country.
What we do vs. what they do.
Debt consolidators sell a single move. We run the whole file. The difference is not marketing. It is the structure of the work.
Restructur
- We manage every debt the business carries, not one type
- Every lender accounted for, not just the easy ones
- A Business Intelligence Report before any strategy
- A clear picture of what each lender can and cannot do
- We rebuild the business on clean ground
- A small senior team you can reach directly
- We pick up the phone
- Licensed attorneys and tax professionals behind the work
Debt consolidators
- Focus only on cash advances, ignoring SBA, tax, vendor, and bank debt
- Change company names and leave you holding the liability
- Trigger lawsuits instead of fixing the structure
- Offshore call centers and scripted answers
- One plan for everyone, never built on your actual records
- Disappear once the paperwork is filed
- Pressure tactics and paperwork that lets a lender skip court
- Nothing moves: same mess, new letterhead
The Business Intelligence Report
Before we propose anything, we show you what is actually happening to your business. We pull the public records that show who has filed a claim against you, and the court records that show who has sued. Then you decide what to do.
- Every claim filed against your business, in the order they were filed
- Mistakes in their paperwork that weaken what they can take
- A search for lawsuits and judgments against you and your companies
- Which lenders have real power, and which ones are bluffing
- The path we recommend for your business
The questions every owner asks.
Is this legal?
Are you a law firm?
Are you a CPA or tax firm?
What happens to my personal guarantee?
Will my creditors sue me?
How fast does this move?
What does it cost to start?
I already paid a company that did nothing. Why are you different?
Do I have to stop paying my creditors to work with you?
I spent twenty-five years operating in real estate and construction, which means I have been on the wrong side of a stacked balance sheet myself. I know what it feels like to watch the account drain before the day starts, and to take a call you do not want to take.
So I built the thing I wished existed back then. Not a debt-settlement mill. A real firm that stands between you and the chaos and rebuilds the business on ground that holds. We do not talk down to you, we do not hide the ball, and we do not hand you to a stranger. You will know us by name.
If your business still earns and the structure is what is killing it, it is worth saving. That is the only kind of file we take.
Restructur
Find out what your creditors can actually do.
Start with a Business Intelligence Report, or book a discovery call and tell us what is pulling from your account. Either way you leave with a clear picture and a path.
(248) 963-7159 · intake@restructur.com
700 S Main St., Suite 210, Lapeer, MI 48446