Business Debt Resolution

Introducing the RISE program – the sure path out of business debt.

Are you struggling with unsupportable business debt and personal guaranties, unsure of how to regain control of your finances? 

At Rise Alliance, we understand the challenges you’re facing. That’s why we offer tailored debt restructuring services designed with your unique business in mind.

Debt restructuring is an understandably delicate process. Not all debt settlement companies conduct business ethically or prudently, resulting in business owners being financially worse off than before.

“The Government Accountability Office (GAO) has also warned that business debt settlement programs often leave companies deeper in debt. Their report found that “in some cases, small businesses end up owing more money than when they started the program due to accumulating fees and interest.”

—ABF Journal

Our RISE Program (Restructure, Insulate, Strategize & Emerge) allows you to resolve your debts ethically and without bankruptcy. 

RISE Program

Restructure

Our restructuring solutions work for businesses of all sizes, not just the largest corporations deemed too big to fail. Whether you’re a small business with outstanding SBA obligations, or an enterprise-level company with a complex board of directors, we create a single, clearly outlined path to resolution.

We resolve unsupportable debt and restore cash flow using tools that go beyond negotiation. When necessary, we implement structural protections—like Article 9 balance sheet restructurings—to shield your business from lawsuits, bank levies or UCC 9-406 interference.

Restructuring preserves business value to the benefit of all parties including business owners and their creditors. As a pragmatic alternative to more debt, bankruptcy or failure, restructuring offers the most ethical and certain path to resolving distress while preserving businesses, jobs and economic activity.

Insulate

We immediately protect operating accounts, receivables, and customer relationships from legally unwarranted creditor disruption. Even if a lender turns hostile, your revenue continues uninterrupted, and vendor and client trust remains intact.

Strategize

This is where long-term stability begins. We assess the true health of your business and craft a custom strategy—whether that means refinancing out high-cost debt or executing a full corporate balance sheet restructuring to rebuild a clean, fundable capital structure. 

Emerge

The RISE Program will settle the majority of your debt, resolve your personal guaranties and allow you to emerge from distress.

After restructuring, your business operates on a solid new foundation. We remain by your side—tracking KPIs, strengthening operations and ensuring you stay on a path of sustainable growth, never again vulnerable to over-leverage or predatory capital.

How Does Debt Restructuring Work?

Debt restructuring is the practice of renegotiating the current terms of outstanding business debt obligations into new terms that the business owner can afford and the creditor will accept. In its purest form, business debt restructuring is a vital part of the small to medium-sized business world and, when done correctly, can not only save the business but also get creditors paid on files they would have otherwise had to write off.
The key is finding a program that actually focuses on providing a realistic, comprehensive plan that addresses the business owner’s needs and circumstances while taking into account their financial obligations to their creditors. There is a right way and a wrong way to go about this, and most debt settlement companies leave something to be desired.

Personalized Solutions: We understand that every business is unique, which is why we tailor our financing solutions to meet your specific needs and goals.

Expert Guidance: With decades of experience in the financial industry, our advisors are here to guide you every step of the way, offering insights and strategies to help you succeed.

Comprehensive Support: From assessing your financing needs to negotiating terms with lenders, we support you throughout the entire financing process.

The Old Model of Debt Settlement

The majority of the debt restructuring/debt settlement industry follows the same ineffective model that worked 10 years ago prior to the emergence of the current MCA industry. The model consists of building up cash reserves in an escrow or operating account with the intention of presenting the creditor companies with lump sum offers to secure substantial discounts on the principal balances. This model is effective with unsecured debt, such as:

  • Personal & business credit cards
  • Vendor & supplier debt
  • Unsecured loans & LOCs
  • Equipment leases and loans (as long as the equipment is not vital and can be repossessed)

The Old Debt Settlement Model Doesn’t Work Anymore

The Merchant Cash Advance (MCA) industry emerged on the scene in 2014 using the “cash flow” model—determining qualification based on three months of bank statements showing the cash flow into the business. Right away, business owners were encouraged to “stack” their debt—adding multiple MCA positions on top of their previous advances.

When business owners inevitably defaulted on multiple advances, the collection tactics employed by the MCA funders became aggressive and litigious, putting many merchants and business owners at risk of closing their doors. These tactics include sending 406 Lien Notices that enable them to collect from merchants by:

  • Freezing bank accounts (both business and personal)
  • Freezing credit card processors (ie: Stripe/Square/Shopify etc.)
  • Directly contacting customers and demanding payment of funds due to the merchant/business owner
  • Contacting medical insurance providers and demanding payment of funds due to the doctor/medical practice
  • Freezing payment portals (ie: Cash App/PayPal/Venmo etc.)
  • Freezing funds from delivery services (GrubHub/Uber Eats/DoorDash)

Due to these aggressive tactics, MCA debt became the main focus of merchants and business owners, taking precedence over unsecured debt in terms of payment priority. This means the old model of building up cash reserves over time leaves you vulnerable to creditor attack, rendering the way other debt settlement companies do business not only ineffective but also dangerous.

Our Approach is Different

At Rise Alliance, we don’t believe in simply stalling creditors while you save for a settlement. We take immediate, proactive steps to work directly with your creditors to fully resolve your business debt and personal guaranties. By engaging with creditors, rather than actively working against them, we protect your business and its cash flow, paving the way for a brighter financial future.


Whether your debt is made up of merchant cash advances, business credit card debt, vendor debt or other unsecured debt, the RISE Program can help. Rise Alliance offers an ethical and accessible alternative to bankruptcy.


When your business succeeds, everybody wins.

What Our Client are Saying

  • Ed Davis
    Gerard and Mike – these guys were great with lowering my payments with the predatory lenders. They always responded to my emails and calls and helped save my business.
  • Cris
    Rise Alliance was great and easy to work with. Helped me expand my last restaurant venture. Very knowledgeable team – would recommend.
  • Seth Klein
    Great company! They treat you like a person and stepped in when I could not see the light!! Thank you so much for everything you do!!
  • Ismael Garcia
    Team of knowledgeable people that have helped my business get out of some bad MCAs and financial hardship.
  • Michael McDermott
    Michael and Gerard have been great. They have worked hard to get me through the rough times, they have a great team and they work for the best interest of the customer. They truly understand the hardships of business and strive to make sure they protect you and your business from failing; they truly care!
  • Ariel Mercedes
    I simply don’t have enough words to describe how you guys made me feel. I was able to finally breathe and feel that I didn’t have to jump off a building. You provide more than advice or protection, you provide a second chance to make things right again. I’m very grateful to have worked with you guys. Thank you, Michael. Thank you, Gerard. Thank you, Trevor. You guys are really making a difference in the world.
  • Ron Brigg
    This company is awesome. They settled all my accounts in four days. The lawsuits, judgements, liens -everything was taken care of. I first went with another company and after 4.5 months and nothing getting done and lots of money paid out, I went with Rise Alliance. Gerard and his firm took care of everything and now I’m back to just worrying about my business and not my creditors. It was the best decision I have ever made.
  • Philippe Freitag
    Gerard and Trevor have done amazing things to help my business not only survive, but succeed! When they say they’re going to help and focus on you and advise you properly, they deliver. Do your business a favor and call these guys NOW.
  • Michael Brown
    Great company, great people. They did exactly what they said they would do, and helped my company tremendously when we were in a tight spot.
  • Marble Works
    Jackson and the team are amazing! They made my payments much more manageable. I highly recommend them.

If You Are Struggling Under the Weight of Unsupportable Debt, You Have Three Options:

Option #1: Choose not to work with a third party and go it alone.

But where to even begin? Raising more equity capital, if that’s even an option, isn’t going to work out in your favor when your business is distressed. Borrowing more at this point likely feels like drowning in quicksand – and does nothing to address underlying problems. Consolidating the debt might help in the short term, but really just leads to paying more interest over time.


And then, of course, there’s bankruptcy.

Option #2: Work with a business debt settlement company that uses the old model.

These companies will stall your creditors while you save for settlement. The intent is to present the creditor companies with an offer that secures a discount on the principal balance.


This is a fine solution if you haven’t engaged with any aggressive creditors. But Merchant Cash Advance providers and other predatory lenders you have inadvertently engaged with can freeze your bank accounts or directly contact your customers to demand payment. Meanwhile, you are diligently putting funds in an escrow account like your debt settlement company advised, unaware that you’re vulnerable to these creditor attacks. 

Option #3: Work with Rise Alliance.

Serving as the business debt resolution arm of Second Wind Consultants—America’s most respected name in corporate turnaround—our RISE Program has saved thousands of businesses.


We start by Restructuring your company, preserving jobs and your business’s overall value. Next, we Insulate your cash, operating accounts and customers from creditor interference. Lastly, we Strategize the best path forward so you Emerge from distress primed for a turnaround or a successful exit.

Frequently Asked Questions

Our consulting process begins with in-depth discussions to understand your business goals and challenges. We then conduct a thorough analysis and develop tailored recommendations. Your active involvement is crucial throughout, especially during implementation. We maintain transparent communication and value your feedback to ensure alignment with your expectations.

Our consulting services can offer valuable insights and expertise across various dimensions of your business. Depending on your specific needs and objectives, consulting services can provide assistance in areas such as strategic planning, market analysis, financial management, operational efficiency, and help you manage and identify optimal financing options. By engaging with a consulting firm, you gain access to specialized knowledge and experience that can help identify areas for improvement, develop effective strategies, and implement solutions tailored to your unique business challenges and goals.

At Rise Alliance, our consulting services are tailored to deliver tangible value and a positive return on investment. While costs vary based on project scope, our track record showcases measurable benefits such as increased efficiency, revenue growth, and cost savings. We work closely with clients to ensure transparency and alignment with their objectives, fostering long-term partnerships built on delivering measurable ROI.

We Resolve Debt in the Following Categories

Don’t Settle for Less

Unlike other “debt settlement” companies that simply delay the inevitable, Rise Alliance takes a proactive approach to debt resolution. Your consultation is risk-free, with no obligation to work with us if it doesn’t feel like exactly the right fit.

Take the First Step Towards Financial Freedom Today

Ready to take control of your finances and start your journey towards financial freedom? Book your free consultation with a Rise Alliance advisor today to learn more about how our tailored debt resolution services can help you overcome your debt challenges. 


Let’s work together to create a brighter future for your business.

Get Business Debt Relief Not Available Anywhere Else

Learn how the RISE program will fully resolve business debt in a win-win for borrowers and creditors alike.

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