Trucking and transportation debt relief.
Truck transportation has the highest SBA delinquency rate of any sector — 3.7% — and specialty carriers report default rates above 16%. Between the freight recession, fuel volatility, insurance, and stacked MCAs, fleets that should be profitable are bleeding cash. Restructur takes the whole stack at once.
Why carriers end up here
- Rates dropped, fuel stayed high, and the MCA from 2023 still pulls every business day.
- Factoring advances stack with truck loans and trailer leases on the same authority.
- One safety event spikes insurance and triggers a covenant default.
- Owner-operators get personally guaranteed into every position.
What we restructure
MCAs, factoring advances, truck and trailer loans, SBA 7(a) and EIDL debt, bank lines, fuel cards, tax exposure, and vendor balances. We protect the authority, the equipment you actually need, and the drivers you can't lose.
The Article 9 mechanism
UCC Article 9 disposition, done correctly with counsel of record and a clean priority position, resets the carrier onto clean ground — same lanes, same customers, restructured obligations.
Full management
- We answer every funder, broker, and process server.
- We map every truck, trailer, and UCC filing before touching a position.
- We work in lockstep with counsel on judgments, COJs, and frozen accounts.
- You keep moving freight.
Frequently asked questions
Can you restructure MCA debt without me losing my authority or trucks?
Yes. Protecting the authority, the equipment you actually need, and the drivers you can't lose is the entire point of the plan. We map every UCC filing across trucks, trailers, and receivables before touching a position.
What if I'm also factoring receivables?
Factoring advances are treated as a position in the stack alongside MCAs and equipment debt. We coordinate with the factor as part of the restructuring rather than letting them accelerate against you mid-process.
Does this work for owner-operators with personal guaranties?
It does. Most carriers we work with are personally guaranteed into every position. The restructuring is designed to resolve the corporate obligations and the PGs as one engagement, with counsel of record.
How quickly can you take action when funders are calling daily?
Engagements typically move within days. Non-critical outflows stop immediately and counsel is engaged before the next ACH cycle when possible.
Will this affect my CDL drivers or payroll?
Payroll is a first-tier obligation in any restructuring. We protect the cash flow needed to keep drivers paid and trucks rolling.
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