What we'd tell you if you called, written down.
These are the questions owners ask us late at night, answered the way an operator would answer them: what happens, what it costs, and where the exits are. No jargon, no pitch until the end, and a plain note about where a lawyer or CPA needs to take over.
My SBA Loan Is Underwater. What Are My Options?
What happens when you can't service an SBA 7(a) loan on a business you bought: the default timeline, what your lender can do for you, what an Offer in Compromise really requires, and the options that keep the business alive.
What Happens to Your Personal Guarantee When the Business Fails?
A plain-language guide to the SBA personal guarantee: what it covers, what the lender and SBA can reach, how Treasury collection works, and the realistic ways guarantors get released.
How Is a Business That's Losing Money Valued?
The math behind distressed business valuation: why earnings multiples stop working, how orderly and forced liquidation value are calculated, what 'debt as consideration' means, and why an operator will usually pay more than an auction.
Sell, File, or Fight? Selling a Failing Business vs. Bankruptcy vs. a Turnaround
A side-by-side comparison of the three paths for a failing small business (selling it, filing bankruptcy, or bringing in a turnaround partner), with what each costs, who it protects, and how to know which one you're in.
Signs Your Trades Business Is Failing (Before the Lender Calls)
The early, operational warning signs that a tree service, HVAC, contracting, or field-service business is heading toward distress. Most show up in the yard and the receivables months before they show up on the P&L.
HVAC Business Turnaround: What Fixes a Failing HVAC Company
An operator's guide to turning around a failing HVAC business: the five levers that restore margin (pricing, service-to-install mix, tech utilization, maintenance agreements, collections), why PE-backed competitors are winning, and how a distressed HVAC company gets acquired or recapitalized.
Reading these because it's you?
Then skip the reading and call. One confidential conversation, and we'll tell you which situation you're in and what we'd do about it, whether or not that involves us.