Construction and contractor restructuring.
Specialty trade contractors report default rates above 16%, and construction is one of the largest drivers of business cash shortfall in the United States. Retainage, slow pay, material spikes, and stacked MCAs all land on the same account. Restructur takes the whole stack at once.
Why contractors end up here
- A big GC pays 90+ days late and the MCAs don't care.
- Material costs spike mid-project and the fixed-price contract eats the margin.
- Equipment loans and trucks stack on top of bank lines and SBA debt.
- Payroll and 941 taxes start sliding to keep crews on site.
What we restructure
MCAs, SBA 7(a), EIDL, bank lines, equipment loans (including trucks and heavy equipment), bonding-related obligations, vendor balances, sales and payroll tax exposure. We protect what you need to keep bidding and building.
How the mechanism works
Done correctly, with licensed attorneys handling the legal work, we move the operation to a clean company and leave the old debt behind. That resets the business onto clean ground, same crews, same customers, restructured obligations.
Full management
- We answer every funder, GC AP department, attorney, and process server.
- We find every public claim filed against your equipment and the money customers owe you.
- We work in lockstep with counsel on judgments, COJs, and frozen accounts.
- You keep building.
Frequently asked questions
Can you restructure debt without killing my bonding capacity?
Protecting bonding capacity is part of how we sequence the plan. We coordinate with counsel and, when relevant, the surety so the restructuring doesn't inadvertently knock out your ability to bid bonded work.
What about equipment loans on trucks, lifts, and heavy machinery?
Equipment debt is restructured alongside MCA, SBA, and bank lines. We map every public claim filed across equipment and receivables before touching a position so nothing critical gets repossessed in the middle of a job.
A GC is paying us 90+ days late, does that change anything?
It's a common driver of why contractors end up here. We work the AR side as part of the engagement and structure the funder-side restructuring to survive realistic pay timelines, not optimistic ones.
Will this affect crews and active projects?
Keeping crews on site and active projects moving is a first-tier objective. Restructuring is built around the cash flow needed to finish work in progress.
What if I owe payroll or sales tax?
941 and sales tax exposure is treated explicitly in the plan, with counsel coordinating any communications with taxing authorities. Letting it slide further is what we're stopping.
Start with a Business Intelligence Report