Medical and healthcare practice debt relief.
Ambulatory healthcare carries one of the largest active SBA books in the country — and the past-due exposure is climbing. Between reimbursement compression, build-out debt, and stacked MCAs, practices that treat full panels are still running short. Restructur takes the whole stack at once.
Why practices end up here
- Build-out and equipment debt assumed at lower reimbursement rates than projected.
- One slow payer or denial wave shifts the practice onto MCAs.
- Owner-doctors get personally guaranteed into every position.
- 941 and payroll taxes start sliding before anyone notices.
What we restructure
MCAs, SBA 7(a), EIDL, bank lines, equipment loans (imaging, chairs, lasers, vehicles), build-out debt, vendor balances, and payroll and sales tax exposure. We protect the panel, the staff, and the license.
The Article 9 mechanism
UCC Article 9 disposition, done correctly with counsel of record and a clean priority position, resets the practice onto clean ground — same patients, same staff, restructured obligations.
Full management
- We answer every funder, attorney, and process server so you stay clinical.
- We map every UCC filing across equipment and receivables.
- We work in lockstep with counsel on judgments, COJs, and frozen accounts.
- You keep practicing.
Frequently asked questions
Will restructuring put my medical license at risk?
No. The mechanism we use is a commercial restructuring of business obligations, run through counsel of record. Protecting the license and the panel is built into the engagement.
Can you restructure SBA build-out debt alongside MCAs?
Yes. We treat the entire stack — SBA 7(a), EIDL, build-out debt, equipment loans (imaging, chairs, lasers, vehicles), bank lines, vendor balances, and tax exposure — as one coordinated plan.
What if I'm personally guaranteed on most of the practice debt?
Most owner-physicians are. The restructuring is designed to resolve the corporate obligations and the PGs as one engagement so the practice and the household aren't running on separate tracks.
How will this affect staff, patients, and payroll?
Payroll and patient care are first-tier obligations. The plan is structured around keeping the practice clinical and the staff paid.
What about 941 or sales tax that's already behind?
Tax exposure is mapped explicitly and counsel coordinates any communication with taxing authorities. We stop the slide rather than let it grow.
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