Many companies delay deploying a turnaround & restructuring strategy until pressured by lenders or suppliers. However, the likelihood of a successful turnaround increases when the strategy is implemented at the first signs of distress. Prompt action not only boosts success chances but also reduces turnaround costs and management distractions.
eCapital streamlines the funding process to get clients the funds they need, so they can turn their business around quickly and come back stronger. Using our asset-based lending products, we can work with you and your advisors to craft a financial plan allowing your company to execute its operational plan and achieve the objective of your turnaround.
of firms that initiate restructuring early survive at least three years post-distress, either through successful turnaround or acquisition*
of corporate restructurings fail due to delayed action, lack of adequate planning, and access to strong financing solutions**
*Oxera
**McKinsey & Company
Restructuring and turnaround financing is a specialized funding solution for businesses facing financial distress or major transitions. It provides immediate working capital to help stabilize operations, meet urgent obligations, and support strategic recovery efforts such as debt restructuring, operational improvements, or ownership changes.
Unlike traditional loans, this type of financing is often asset-based and offered by specialty lenders who prioritize the value of your assets and future potential over strict credit criteria. It acts as a bridge to long-term stability, helping businesses recover, adapt, and return to growth.
Have more questions? Our experts are here to make funding simple, clear, and stress-free.
To help identify when it’s time to deploy a Turnaround & Restructuring strategy and explore financial options, below are the three primary stages of a company in distress, along with key warning signs.
We bring valuable financial solutions and resources to support your company’s liquidity and working capital needs during the turnaround process. We can provide flexible financing options, bridge funding gaps, and assist in managing cash flow challenges. On the other hand, the turnaround consultant brings strategic insight, operational expertise, and a comprehensive understanding of the factors contributing to your financial distress. They can develop and execute a customized turnaround plan, identify areas for improvement, optimize business processes, and facilitate a return to profitability.
By combining the expertise of both entities, you can create a powerful synergy that enhances the effectiveness of your business turnaround efforts. eCapital and your turnaround consultant create a dynamic partnership that addresses your business’s financial and operational aspects, maximizing the chances of a successful turnaround and revitalizing your company’s prospects.
eCapital brings valuable financial solutions and resources, providing access to non-traditional financing options and innovative debt restructuring solutions. We can help alleviate financial pressures, optimize your capital structure, and support your working capital needs. Simultaneously, the debt advisor offers specialized knowledge and experience in debt management, negotiation, and restructuring. They can assess your debt obligations, develop a comprehensive debt management plan, and provide guidance on navigating complex financial situations.
By combining the expertise of these two entities, you can establish a robust collaboration that amplifies your debt management strategies and financial decision-making. The alternative finance company and the debt advisor create a powerful alliance that enables you to effectively manage your debt, reduce financial risks, and set a path toward long-term financial stability and success.
This collaboration combines the financial expertise of eCapital with the specialized knowledge and insights provided by the CPA. Together, we can optimize your financial management and decision-making processes. eCapital brings valuable funding solutions, assisting with cash flow management, working capital needs, and innovative financing options tailored to your business. On the other hand, the CPA offers comprehensive financial analysis, reporting, and strategic guidance. They ensure accurate financial records, provide insights on tax planning, identify cost-saving opportunities, and offer advice on financial compliance. By partnering with a CPA, we can leverage our expertise to make informed financial decisions, maintain financial transparency, and achieve optimal financial health.
The synergy between eCapital and your CPA enhances your financial management capabilities, empowering your business to thrive and reach its full potential.
The collaboration of these two entities combines our team’s financial expertise with the strategic insights and guidance provided by the advisory firm. This partnership empowers your business to make well-informed decisions and execute effective strategies for growth and success. eCapital brings valuable financial solutions, including flexible funding options, working capital support, and innovative financing structures tailored to your needs. Meanwhile, the strategic advisory firm offers strategic planning, market analysis, competitive intelligence, and guidance on business development. They help identify growth opportunities, optimize operations, and navigate market challenges.
By partnering eCapital with your strategic advisory firm, you’ll gain access to a wealth of knowledge and experience, enabling you to make strategic decisions with a clear vision for long-term success.
This collaboration combines the expertise of both entities to provide comprehensive financial guidance and support. eCapital brings valuable financial solutions, such as flexible funding options, working capital assistance, and innovative financing structures. We can help address cash flow challenges, optimize capital allocation, and support your business’s financial needs. Meanwhile, the financial advisor offers strategic financial planning, investment advice, risk management strategies, and expertise in financial analysis. They provide insights into wealth management and financial goal-setting and help navigate complex financial decisions.
eCapital and your financial advisor create a powerful partnership that combines financial expertise and personalized guidance, ensuring that your business makes sound financial decisions, achieves financial goals, and maximizes its overall financial health.
Partnering eCapital with your attorney can bring tremendous benefits and peace of mind to your business.
This collaboration combines the financial expertise of eCapital with the legal knowledge and guidance the attorney provides. Together, they ensure that your financial transactions and agreements are legally sound, compliant and protect your business’s interests.
eCapital offers valuable financial solutions, such as flexible funding options, working capital support, and innovative financing structures. Simultaneously, the attorney provides legal counsel, assists in contract negotiation, reviews legal documents, and ensures regulatory compliance. This partnership helps you navigate complex legal matters related to financing, risk management, and business transactions.
By having an attorney as a partner, eCapital can confidently make informed decisions while minimizing legal risks and maximizing legal protection. This collaboration ensures that your business operates within the bounds of the law, mitigates legal challenges, and maintains a solid legal foundation for sustainable growth and success.
Clients choose eCapital when they need an engaged, solutions-oriented, long-term credit partner with proven capacity, creativity, and continuity. Our expertise is customization—whether on a $5 million or $150 million facility, employing a meticulous, hands-on strategies.
Our tight-knit group of financing experts are agile and client-centric, yet backed by extensive resources with the scale to conquer any challenge. This means we are going to be a better credit partner through every business cycle, bringing capabilities and passion—as patient, flexible problem-solvers—other providers simply do not have. Our track record speaks for itself.
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Business restructuring involves reorganizing a company’s operations, finances, or structure to improve efficiency, cut costs, or recover from financial distress. This may include debt restructuring, asset sales, leadership changes, or revising operational strategies to stabilize and position the business for long-term growth.
Restructuring should be considered when a company experiences persistent cash flow issues, declining revenue, rising debt, or is at risk of insolvency. Early intervention improves the chances of recovery and may help avoid more severe outcomes like bankruptcy.
A turnaround is a focused effort to restore a business’s performance after a period of decline. It often follows a restructuring and involves implementing strategic changes, securing new financing, and realigning operations to drive profitability and growth.
Turnaround-focused financing, such as asset-based lending or invoice factoring, can provide immediate working capital to pay down urgent obligations, fund critical operations, and create breathing room for long-term planning. eCapital offers flexible funding designed specifically for distressed or transitioning businesses.
Yes. Unlike traditional banks, specialty lenders like eCapital assess the value of your assets and the potential for recovery, not just your credit history or financials. This allows businesses in distress to access funding when they need it most.
The most common and effective options include:
eCapital acts as a strategic financial partner, providing fast, flexible funding and working alongside your advisors, accountants, or legal team to structure solutions that meet immediate cash flow needs while supporting longer-term recovery plans.
Not at all. Many successful businesses undergo restructuring to adapt to changing markets, seize new opportunities, or overcome temporary challenges. With the right strategy and funding, restructuring can be a smart move to strengthen the business.
eCapital is known for its speed. Businesses can access working capital in as little as 24 hours, which is critical during times of financial stress when immediate action is needed.
Reach out to eCapital for a consultation. Their team will assess your situation, explore available assets, and tailor a financing strategy that aligns with your business goals—helping you stabilize, recover, and grow with confidence.
