Restaurant business debt relief.
Limited-service restaurants carry the highest SBA default rates in the country — 18.9% — and full-service operators aren't far behind. Daily MCA pulls, stacked EIDL, vendor COD demands, and equipment liens all hit the same operating account. Restructur takes the whole stack at once.
Why restaurants end up here
- One bad quarter triggers an MCA renewal; the renewal triggers a second and third stack.
- EIDL hardship plans expire and the full payment lands on top of the MCAs.
- Vendors move to COD, payroll tightens, sales tax falls behind.
- Owners chase a new loan to cover yesterday — and the cycle accelerates.
What we restructure
MCAs, SBA 7(a), EIDL, bank lines, equipment loans (including delivery vehicles and kitchen build-outs), vendor balances, sales and payroll tax exposure, and landlord arrears. We map the full picture before touching any single creditor.
The Article 9 mechanism
Under UCC Article 9, a secured party can dispose of collateral in a commercially reasonable manner. With counsel of record and clean priority, that disposition resets the restaurant onto clean ground — same location, same staff, restructured obligations.
Full management
- We answer every funder, attorney, and process server.
- We stop non-critical outflows on day one.
- We work in lockstep with counsel on judgments, COJs, and frozen accounts.
- You keep running the restaurant.
Frequently asked questions
Can you stop the daily MCA pulls on my restaurant's account?
Yes. The first step is mapping every MCA, UCC filing, and personal guaranty, then working with counsel of record to restructure the positions. Owners don't default first — we move proactively so funder action doesn't dictate the timeline.
Do I have to close the restaurant or file bankruptcy?
No. The Article 9 mechanism we use is designed to keep operating restaurants open — same location, same staff, restructured obligations. Bankruptcy is a separate tool we only consider when it's genuinely the best outcome.
What about my SBA loan, EIDL, and equipment debt?
We restructure the whole stack — MCA, SBA 7(a), EIDL, bank lines, kitchen and vehicle equipment loans, vendor balances, and sales/payroll tax exposure. Treating positions in isolation is how settlement mills fail restaurants.
Will this hurt my relationships with food vendors and the landlord?
We protect the relationships you need to keep operating. Vendor and landlord conversations are part of the plan from day one, not an afterthought.
How fast can you take action?
Most restaurant engagements move within days of intake. Non-critical outflows stop immediately and counsel is engaged before the next ACH cycle when possible.
Start with a free Business Intelligence Report