Your business works.
The cash flow doesn't.
Restructur stops the money leaving your business and rebuilds it on clean ground. Same revenue. Same customers. Different outcome.
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.
- Daily ACH pulls drain the account before payroll clears.
- Three or more merchant cash advances, stacked on top of each other.
- Collection calls, threats, and confessions of judgment.
- A UCC freeze or lockbox choking your receivables.
- SBA, vendor, and tax pressure stacking behind the MCAs.
- Refinancing the problem instead of removing it.
"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.
When you call, a person who has read your file answers.
Not a phone tree. Not an offshore script reading from a card. 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 in one building, 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 reduce what leaves the business and increase what stays in. The legal work behind it is the mechanism, not the point.
Less money out
Non-critical debt payments stop. Predatory pulls are challenged. Fixed outflow drops to maintenance or zero, depending on strategy. That alone puts cash back in the account on day one.
More money in
Freed receivables, restored merchant processing, recovered margin, and new funding once the business is clean. The revenue was always there. Now it reaches the bottom line.
Watch how it works.
Two minutes from the founder on what we actually do, and why a stacked business is more fixable than it feels.
"Your customers still pay you. Your team still shows up. The only thing broken is the structure sitting between the money coming in and the money reaching you. We rebuild that structure. That is the whole job."
Steve StreitFounder & Systems Architect
Four moves, in order.
Order before creativity. We stabilize the file first, then rebuild. Day one gates on every engagement: insolvency posture, management authority, and UCC position.
See what's real
We pull your UCC filings and litigation record and map the lien stack. Most owners learn their lenders are far less protected than the daily pulls suggest.
Business Intelligence ReportTake back authority
An insolvency determination plus a management agreement inverts the power structure. We step in as the management layer. The calls stop coming to you.
Management agreementMove to clean ground
Article 9 disposition. The operation moves forward. Old debt stays attached to the old entity. Personal guarantees are negotiated separately, detached from the business.
Article 9 / NewCoRestore good business
Banking, merchant processing, contracts, and licenses migrate across. New funding when the business is ready. You are back to running it, not defending it.
90-day migrationThe mechanism, in plain terms.
A clean entity takes over the operation. The old debt stays where it belongs. Your guarantee gets handled on its own terms.
The legal mechanism is an Article 9 disposition under the Uniform Commercial Code. It is the same framework secured lenders use every day to take collateral. We run it correctly on the debtor's side: proper notice, commercially reasonable disposition, documented insolvency.
We do not file paperwork and walk away. We move the whole business across to clean ground over about ninety days. Most small lenders and the SBA have no real control position and no clean way to respond. The aggressive MCA positions are usually the weakest of all. 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 debt structure. If your industry and your debt are on these lists, your file is the kind we run every week.
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. Our team flies in, sits at the table, and runs the file in person.
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
- Full management of the entire debt stack
- Total debt told — every position, not just the easy ones
- Business Intelligence Report before any strategy
- Full picture of what each creditor can and cannot do
- Future management: rebuild on clean ground
- In-person senior team in one office
- We pick up the phone
- Article 9 disposition done correctly
- Work prepared with counsel and tax professionals of record
Debt consolidators
- MCA-only focus, ignoring SBA, tax, vendor, and bank debt
- Change company names and leave you holding the liability
- Instigate lawsuits instead of resolving the structure
- Offshore call centers and scripted answers
- One-size-fits-all plan, never your actual lien stack
- Drop the file once paperwork is filed
- Pressure tactics and confessions of judgment
- No migration: same mess, new letterhead
The Business Intelligence Report
Before any strategy, we show you exactly what is happening to your business. We pull your UCC filings and litigation record and read the lien stack the way your creditors do. Then you decide.
- Full UCC lien stack and priority order
- Perfection defects and filing errors that weaken creditor claims
- Litigation and judgment search across your entities
- Which positions have real leverage, and which are bluffing
- The recommended path for your specific file
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?
I spent twenty years 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
Who handles your file.
You are not handing your business to a call center. A small, senior team runs every engagement, with counsel and tax professionals of record behind the work.
Twenty years in distressed real estate and construction before building Restructur's restructuring engine. He diagnoses and designs the file. He does not run a script. The methodology comes from operating through distress, not reading about it.
UCC and secured transactions counsel. Reviews and files the legal work behind every disposition.
Runs document collection and keeps your migration on schedule across all eight pillars.
Your first call. Qualifies the file in plain English and books the discovery call.
Reviews tax exposure on every file so the structure holds on the tax side too.
Owners who got their business back.
"The morning pulls stopped within the first week. For the first time in a year I could make payroll without sweating it."
"They explained exactly what each creditor could and could not do. Half of them were bluffing and I never knew it."
"Same business, same customers. Ninety days later I am running it again instead of defending it all day."
Placeholder quotes. Replace with consented client reviews before publishing.
A real office. Come sit across the table.
We are not a P.O. box and a virtual number. There is a building, a team, and a door you can walk through.
Restructur
New York, NY 10016
Same-day callback on new files
Find out what your creditors can actually do.
Start with the Business Intelligence Report, or book a discovery call and tell us what's pulling. Either way, you leave with a clear picture and a path.
intake@restructur.com · New York, NY