Keep Viable Companies Alive When Debt Service Becomes Impossible
We provide court-approved working capital against post-petition accounts
receivable only for Subchapter V and small Chapter 11 cases. Non-priming
interim by design. No roll-ups. No milestones.
receivable only for Subchapter V and small Chapter 11 cases. Non-priming
interim by design. No roll-ups. No milestones.
Who This Is For
For Debtor’s Counsel and Trusted Advisors
- Debtor’s counsel in Subchapter V or small Chapter 11
- Turnaround advisors, CROs, CPAs working with MCA-exhausted clients
- Cases where the business is viable but the capital stack is not
For Business Owners
- B2B companies under crushing daily/weekly debt payments
- Especially those with multiple Merchant Cash Advances
- You believe the business could work again if you had a way to reset the debt and stabilize cash flow
You're more than numbers on paper —
You're a success story waiting to happen!
Court-Ready Working Capital, Post-Filing Only
In select cases, we provide short-term working capital as part of a court- supervised restructuring:
- We only fund new invoices issued after the bankruptcy filing (post- petition AR).
- Interim orders are structured to be non-priming and judge-friendly.
- We do not buy out MCAs or roll up old debt into new facilities.
We work alongside independent debtor’s counsel. Their job is to protect the company and its owners; our job is to fund post-petition cash flow when the
numbers make sense.
Have a live or upcoming Sub V / small Chapter 11 case?
If you are debtor’s counsel or a trusted advisor and your case fits the guardrails
above, you can:
- Download the order and term sheet pack on the Counsel & Advisor Resource Page
- Schedule a short venue-fit call to see whether the 72-Hour Case Stabilization facility belongs in your toolkit.
Keep the global site footer after that.
If you insist on keeping the risk-free guarantee somewhere, confine it to your generic working capital pages, not the Sub V / Chapter 11 hub
If you insist on keeping the risk-free guarantee somewhere, confine it to your generic working capital pages, not the Sub V / Chapter 11 hub
How It Fits Into Subchapter V / Small 11
Filing Strategy & AR Financing
- Owner and counsel decide whether a Subchapter V or Chapter 11 filing is appropriate.
- If the business passes a basic “oxygen test” (viable on a debt-free operating basis), counsel may choose to include a post-petition AR facility in the case.
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Our structure uses either:
a §363 post-petition AR sale, or
a §364 DIP-lite facility, with identical economics – wrapper choice is driven by venue and judge preference.
Guardrails
- We focus on viable businesses, not liquidations.
- Seniors are typically banks, SBA, ABLs, or factors, ( not MCA ) sitting uncontested on top.
- We decline cases where the business remains cash-flow negative even after removing debt service.
If the business remains cash-flow negative even after you remove debt service and non-essential spend, this structure does not belong in your case.
That reinforces the Oxygen Test concept without math.
Next Steps
If You’re an Attorney or Advisor
- Review our order sets, term sheet, and Weekly Snapshot framework.
- Schedule a short venue-fit call to see whether a current or upcoming case fits our structure.
If You’re a Business Owner
- Read a short, plain-language overview of how Subchapter V works.
- Get a list of questions to ask your attorney about whether this path makes sense for you.
- If your attorney believes a post-petition AR facility may help, they can contact us directly.