Retail business debt relief.
Retail carries the second-highest SBA past-due exposure in the country. Inventory swings, rent escalators, payment processors holding reserves, and stacked MCAs all hit the same account. Restructur takes the whole stack at once.
Why retailers end up here
- A slow season triggers an MCA; the MCA triggers a second and third stack.
- Processor reserves and chargebacks lock up working capital.
- Vendors move to COD or net-7 just as inventory needs to grow.
- Sales tax falls behind first — and the state moves fastest.
What we restructure
MCAs, SBA 7(a), EIDL, bank lines, inventory and equipment loans, vendor balances, processor reserves, landlord arrears, and sales tax exposure. We protect the location, the staff, and the supplier relationships that matter.
The Article 9 mechanism
UCC Article 9 disposition, done correctly with counsel of record and a clean priority position, resets the business onto clean ground — same store, same customers, restructured obligations.
Full management
- We answer every funder, landlord, attorney, and process server.
- We map every UCC filing across inventory, receivables, and equipment.
- We work in lockstep with counsel on judgments, COJs, and frozen accounts.
- You keep selling.
Frequently asked questions
Can you restructure without us having to liquidate inventory?
Yes — protecting inventory and the supplier relationships behind it is part of the plan. Liquidation is a tool of last resort, not the opening move.
What about processor reserves and chargebacks tying up cash?
Processor reserves are treated as a position in the stack. We coordinate with the processor and, when relevant, counsel as part of the restructuring instead of letting reserves grow unchecked.
Can you handle multi-location or e-commerce retail too?
Yes. Multi-location storefronts, e-commerce sellers, and hybrid operators all fit the engagement model — the work is mapping every UCC filing across inventory, receivables, and equipment regardless of channel.
What about landlord arrears and lease defaults?
Landlord arrears are part of the plan from day one. The goal is keeping the location operating, not handing it back.
What if I owe sales tax?
Sales tax is treated explicitly and counsel coordinates any communication with the state. State taxing authorities move fast — letting it slide further is what we're stopping.
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