DEBT RESTRUCTURING

Restructure Your Debt. Reclaim Your Cash Flow.

Restructure existing obligations for better terms, lower rates, covenant relief, or consolidated payments — helping businesses get back on solid financial footing.

WHAT IS WORKING CAPITAL

The Fuel Your Business Runs On

Working capital is the lifeblood of growth — the money you need to cover day-to-day operations while waiting for customer payments, managing seasonal swings, or seizing unexpected growth opportunities. It's not for fixed assets; it's for the operational cash that keeps your business moving.

Alliance's working capital solutions are designed for the real world: no lengthy underwriting, no arbitrary caps, and no questions that seem designed to disqualify you. We evaluate your creditworthiness and cash flow, then connect you with lenders who understand your industry and actually want your business.

Use Cases for Restructuring

Consolidate Multiple High-Cost Facilities

Roll multiple loans, lines of credit, and vendor payables into one streamlined facility with better terms.

Reduce Monthly Debt Service Payments

Extend amortization, negotiate lower rates, or restructure terms to free up monthly cash flow.

Renegotiate Restrictive Covenants

Work with lenders who understand turnaround situations and will relax financial covenants.

Refinance Maturing Debt

Replace expiring facilities before maturity with longer-term solutions on better terms.

Convert Short-Term to Long-Term Debt

Swap volatile short-term facilities for stable, longer-term financing with predictable payments.

Exit Expensive Interim Financing

Replace bridge loans, MCAs, or other costly short-term capital with permanent, lower-cost solutions.

Why Restructure With Alliance

Lower Your Overall Cost of Capital

Better rates and terms reduce your annual debt service and improve profitability.

Free Up Cash Flow for Growth

Lower monthly payments mean more capital available for operations, hiring, and expansion.

Simplify Your Debt Structure

One facility is easier to manage than a dozen. Cleaner financials, less admin overhead.

Work With Restructuring Specialists

Our lender network includes turnaround and covenant relief experts who understand difficult situations.

HOW IT WORKS

Three Steps to Restructure

Financial Review

We review your current debt stack, terms, and financial statements to identify restructuring opportunities.

Match & Identify Opportunities

We match you with appropriate lenders and identify which restructuring moves will save you the most.

Close & Transition

New facility closes, old debt is retired, and you immediately benefit from better terms and improved cash flow.