Business Debt Restructuring
Business debt restructuring for owners stuck in MCA and commercial debt
Owners search business debt restructuring companies when the payments are running the company. Merchant cash advances on daily ACH. Commercial balances on top of them. A short-term product that was supposed to be a bridge. That is a file, not a slogan.
St. Germain Strategy is a large consulting and advisory firm. The Business Debt Freedom Program is the same three steps we use on an MCA file: refinance first, negotiate if take-out is not available, and prepare a legal option with licensed counsel if the funder will not cooperate. How that sequence runs is on how we work a file.
We are not a law firm and we do not provide legal advice. We are not a debt settlement company. We do not hold client funds. We do not file. We do not stop ACH as the actor. US business owners only.
Restructuring advisory vs settlement mills vs law firms
| Who people call | What they actually do | What we do |
|---|---|---|
| Restructuring advisory | A consulting file: cash, stack, contracts, UCC, guarantee, and a payment the operating account can hold. | Refinance first, negotiate from a file, counsel-prep if they will not move. You stay in control of the money. |
| Settlement mills | Often hold funds, take escrow, and sell a percentage story. | We do not hold client funds. We do not take escrow. We do not promise 90% off. |
| Law firms | Licensed counsel. They can file and appear. | We are not lawyers. When the file needs counsel, we say so and help prepare. We do not file. |
If the morning is already a legal event, skip the mill pitch. Read when you need counsel on an MCA file.
The Business Debt Freedom Program sequence
- 01
Refinance first
If the stack can be taken out into a facility the cash flow can hold, that is the first move. Another short-term product that services the last one is not restructuring. See refinance a merchant cash advance.
- 02
Negotiate if you cannot
A hardship file, not panic. Reduced payment or a defined payout, then close docs. See negotiate from a file.
- 03
Prepare a legal option with counsel
If the funder will not cooperate, or if you have been served, frozen, or hit with a COJ, that is licensed counsel. We prepare the file. We do not file. See when you need counsel.
MCA is not the same as cards, a LOC, or SBA debt
Commercial debt restructuring still has to respect the instrument. A merchant cash advance is collected as daily or weekly ACH. It often sits with a UCC-1 and a personal guarantee. Cards and a line of credit do not hit the same way. Daily ACH is why payroll Friday becomes a question. Operator terms are on the MCA glossary.
As of 1 June 2025, SBA 7(a) cannot refinance merchant cash advances. Do not treat an SBA conversation as a take-out slogan. Details on why an SBA loan cannot refinance an MCA. If the operating company sits in Texas, Florida, New York, or California, the state MCA help pages add the local file without inventing a storefront.
Who this is for, and who it is not
This is for you if:
- You are a US business owner stuck in MCA and other commercial debt
- You want a consulting firm on the file, not a mill that holds money and not a firm that claims to be your lawyers
- You can put the advances, the ACH, the liens, and the other commercial balances on the table
This is not for:
- Consumer debt or owners outside the United States
- Anyone looking for legal advice from us, or for us to file
- Anyone looking for a debt settlement company, escrow, or a 90% off claim
- Anyone looking for a we-stop-ACH promise. We do not stop ACH as the actor
Related: How we work a file · MCA debt relief · Business debt relief
Speak With Us
Put the commercial file on the table: MCA, other balances, the ACH, the liens, the guarantee, and what done has to look like. We will tell you whether take-out, a negotiation file, or counsel-prep is the real next step.
FAQs
What is business debt restructuring here?
Here it is advisory work on a commercial file: refinance first if take-out exists, negotiate from a hardship file if it does not, and prepare a legal option with licensed counsel if the funder will not cooperate. It is the Business Debt Freedom Program sequence, not a settlement mill and not a law firm. See how we work a file.
Are you lawyers?
No. We are an advisory firm. We are not a law firm and we do not provide legal advice. When a file needs licensed counsel, we will say so and help you prepare to work with them. We do not file. Read when you need counsel on an MCA file.
Do you hold funds?
No. We are not a debt settlement company. We do not hold client funds. We do not take escrow. You stay in control of the money.
Does this cover MCA only, or also cards, a line of credit, and SBA debt?
The same advisory sequence can sit on a commercial file that includes merchant cash advances, cards, a line of credit, and other business debt. An MCA still has daily ACH, often a UCC, and often a personal guarantee. SBA 7(a) cannot refinance merchant cash advances as of 1 June 2025. We do not treat those products as the same thing. See business debt relief and SBA loans cannot refinance a merchant cash advance.
How does Speak With Us work?
You put the file on the table: the advances, other commercial balances, the ACH, the liens, the guarantee, and what done has to look like. We tell you what the file actually is. US business owners only. Speak With Us.
St. Germain Strategy is an advisory firm. We are not a law firm, we do not provide legal advice, and we are not a debt settlement company. We do not hold client funds. When a file needs licensed counsel, we will say so and help you prepare to work with them.
