By Robert DiNozzi, Chief Growth Officer at our sister company, Second Wind Consultants. Originally published April 25, 2025 in ABF Journal. Merchant Cash Advance (MCA) agreements have become a prevalent form of alternative financing, particularly among small and distressed businesses. Marketed as sales of future receivables rather than traditional loans, these agreements allow funders to…
Merchant Cash Advance (MCA) firms have long been known for aggressive tactics—but one of their most disruptive moves involves a little-known provision of the Uniform Commercial Code: UCC 9-406. While intended to protect legitimate lenders, this statute is increasingly being twisted to disrupt business operations and undermine existing credit arrangements. Understanding UCC 9-406 UCC Article…
Originally posted in ABFJournal | Written by Robert DiNozzi, Kevin McGarry, Entela Semini and Aaron Todrin Article 9 of the Uniform Commercial Code is a transactional tool that allows asset-based lenders to bolster business development and mitigate risk and/or loss. It is a holistic and pragmatic out-of-court reorganization approach for extracting value from distressed businesses. An Article 9 reorganization…
When a business owner is buried under the weight of MCA debt, the promise of quick relief can seem like a lifeline. But as with any lifeline, the details matter. Today, two forms of commercial debt settlement dominate the online landscape. Both promise relief. Both are aggressively marketed. And both can leave your business worse…
By Robert DiNozzi, Chief Growth Officer at our sister company, Second Wind Consultants. Originally published March 14, 2025 in ABF Journal. When business owners find themselves buried in debt—especially high-cost products like Merchant Cash Advances (MCAs)—they often turn to debt settlement companies for help. Unfortunately, many of these companies are just as predatory as the…
When it comes to debt, the typical business owner is almost always faced with bad advice. That’s because attorneys do not understand how to handle debt problems correctly. They recommend bankruptcy for most people because litigation is their language. At the point of insolvency, debt resolution is achieved through an alternative form of asset liquidation…
There are some very dangerous myths of bankruptcy that lead people to believe it’s the best or only way out of a bad situation. In this video, Aaron Todrin, President of our sister company—Second Wind Consultants—reveals these misconceptions and provides valuable information that any business owner considering bankruptcy must know. If you are thinking about…
For business owners facing financial hardship, navigating the complexities of a defaulted SBA loan can be overwhelming. At Rise Alliance, we understand that most borrowers want to honor their commitments, but unforeseen circumstances can make full repayment impossible. Fortunately, the SBA provides a structured program—the Offer-in-Compromise (OIC)—designed to help borrowers negotiate a reasonable settlement and…
As small businesses grow, their founders often find themselves thrust into management roles—sometimes with little to no formal training. Those who have previously been managed might mimic what they’ve experienced, while others rely purely on instinct, doing whatever seems necessary to move the needle. For entrepreneurs who have only ever worked for themselves—building their businesses…
Every successful business benefits from external guidance, yet many small business owners attempt to navigate challenges alone. Just as athletes thrive with coaches and teams rally under home-field advantage, business leaders perform at their best when supported by a network of trusted counselors. A dedicated advisory board provides the encouragement, insight and accountability needed to…
Realistic debt settlement and personal guaranty resolution that’s in the best interest of you, your business and even your creditors. Because if your business succeeds, all parties win.
