Restructuring & Liability Management

Navigating the Refinancing Squeeze with Strategic Out-of-Court Solutions

As rising interest rates, looming debt maturity walls, and tightening credit markets create elevated refinancing pressures, ambitious small and mid-sized enterprises must take proactive control of their balance sheets.

ON THE M.A.R.C. provides specialized, out-of-court restructuring and liability management advisory designed to reduce total debt exposure, restore working capital, and protect business continuity—without the expense, delay, and operational disruption of formal court proceedings.

This practice is available across industries, including our core Food & Nutrition and Healthcare & Diagnostics sectors.

Who We Help: Ideal Client Profile

We specialize in advising founder-led and growth-oriented businesses ($2M–$100M revenue; $1M–$100M liabilities) facing critical financial inflection points:

  • Impending Refinancing & Maturity Walls: Companies navigating tight liquidity windows or stalled refinancing rounds.
  • Accounts Payable & Creditor Strain: Businesses experiencing AP accumulation past 60+ days or disrupted vendor credit terms.
  • Complex Capital Structures: Enterprises burdened by senior secured debt, Merchant Cash Advances (MCAs), SBA loans, convertible notes, or investor SAFEs.
  • Low or Negative Equity: Growth companies requiring immediate cash burn reduction to protect valuation and extend operational runway.

Core Restructuring & Liability Solutions

Our advisory framework focuses on comprehensive out-of-court balance sheet resolution:

1. Liability & Debt Reduction

We lead data-driven negotiations with lenders, vendors, and stakeholders to restructure and reduce total liabilities:

  • Senior & Secured Debt: Restructuring covenants, extending maturity timelines, and negotiating principal reductions.
  • Unsecured Liabilities & AP: Securing discounted lump-sum or structured settlements across trade payables and supplier claims.
  • Alternative Finance & Subordinated Debt: Restructuring MCA obligations, SBA loans, convertible notes, and investor SAFEs.
  • Future Obligations: Renegotiating lease terms, subscription commitments, and contingent liabilities, alongside your legal counsel.

2. Cash Flow & Working Capital Optimization

Financial restructuring is paired directly with operational liquidity management:

  • Direct Cash Flow Modeling: Developing clear 13-week cash forecasts to pinpoint true liquidity runways.
  • Cash Burn Reduction: Eliminating unnecessary overhead to stabilize daily operational burn.
  • Vendor & Supply Chain Re-engagement: Restoring frayed supplier relationships to secure viable ongoing credit terms.

3. Performance-Aligned Execution

  • Flexible Structure: Structuring out-of-court settlements aligned with new capital events (e.g., fresh equity rounds, M&A transactions, or asset sales).
  • Speed to Resolution: Targeting end-to-end negotiations within an accelerated 30–90 day timeframe, depending on complexity and the number of creditors involved.

Our 5-Step Execution Framework

ON THE M.A.R.C. serves as your dedicated advisor and lead negotiator throughout the restructuring process:

  1. Financial & Cash Review: Rapid evaluation of cash flow dynamics, liquidity runway, and existing debt documentation.
  2. Creditor Mapping & Strategy: Classifying liability holders into strategic buckets and designing bespoke negotiation tactics.
  3. Creditor Negotiations: Leading data-driven discussions with creditors and lenders to secure meaningful concessions.
  4. Transaction Execution: Coordinating documentation, asset transactions, releases, and required approvals with your legal counsel.
  5. Post-Deal Milestone Tracking: Ensuring long-term compliance, tracking operational milestones, and protecting restored equity value.

Why Out-of-Court Restructuring with ON THE M.A.R.C.?

  • Preserve Control & Brand Value: Avoid the public stigma, customer loss, and court supervision of bankruptcy.
  • Rapid Execution: Typically resolve complex liabilities in 30–90 days, compared with formal proceedings that can run far longer.
  • Cost Efficiency: Typically lower legal and administrative costs than formal court proceedings.
  • Global Synchronization: Leverage ON THE M.A.R.C.'s 24/7 global network and 24-hour response promise to manage cross-border lenders and international supply chains seamlessly.

Take Control of Your Financial Runway

Don't let debt maturities or liquidity squeezes dictate your enterprise's future. Get the right advice at the right time.

Schedule a Confidential Consultation

Prefer email? support@onthemarc.us.com

ON THE M.A.R.C. is not a law firm and does not provide legal advice; we work alongside your legal counsel. Timelines and outcomes depend on each company's circumstances and on creditor agreement, and are not guaranteed.