Repossession vs. Recovery
In equipment financing and leasing, default scenarios create an immediate lose-lose proposition.
High Repossession & Liquidation Costs
Pulling machinery, heavy transport fleets, manufacturing lines, or specialized medical equipment off-site leads to steep rigging, transport, storage, and auction remarketing discounts.
Secondary Cash-Flow Cannibalization
When lessees fall behind, predatory junior debt or daily Merchant Cash Advance (MCA) sweeps drain the operational cash needed to maintain lease payments and equipment maintenance.
Blanket Lien & UCC-1 Conflicts
Competing working-capital lenders or tax authorities attempt to assert rights over equipment cash flows or revenue generated by the leased assets.
Taking back the asset is rarely the most profitable outcome. The highest recovery value comes from keeping the equipment installed, operational, and cash-flowing.
Turnaround Firm partners with equipment financiers, independent lessors, and captive finance companies to restructure lessee liabilities, halt cash drain, and execute structured workout plans that protect your lease receivables.
How We Protect Equipment Financiers & Lessors
Eliminating Predatory MCA & Working Capital Cash Sweeps
Lessees often take on high-cost Merchant Cash Advances to cover short-term cash crunches, only to have daily ACH sweeps siphon off the revenue generated by your leased equipment. We negotiate aggressive workouts with junior MCA lenders to stop aggressive sweeps and restore the cash flow required to stay current on lease schedules.
Pre-Funding Balance Sheet Restructuring (100% Success-Fee Basis)
Want to fund a new equipment lease or sale-leaseback for a strong middle-market business with a cluttered balance sheet? We work on a pure success-fee basis to clean up prospective lessees' unsecured liabilities prior to closing. If we cannot reduce their debt burden to meet your underwriting standards, you owe nothing.
Out-of-Court Lease Restructuring & Forbearance Alignment
When a key lessee hits operational friction, liquidating their equipment destroys enterprise value for everyone. We negotiate comprehensive, multi-creditor workout plans that run parallel to your forbearance terms, carving out priority cash allocations for equipment lease payments.
Protecting Specific Title & First-Priority Security Interests
We verify PMSI (Purchase Money Security Interest) filings and resolve competing blanket UCC-1 liens or landlord waivers, ensuring your ownership or first-lien priority over the asset and its proceeds remains uncompromised.
Common Equipment Scenarios We Resolve
Lessee Challenge
Lessee facing daily ACH sweeps from MCAs
How Turnaround Firm Protects Your Lease Facility
Restructure junior debt to monthly schedules, preserving cash for equipment payments
Lessee Challenge
Prospective lessee failing Debt Service Coverage (DSCR)
How Turnaround Firm Protects Your Lease Facility
Settle unsecured debts at a discount prior to closing your equipment lease
Lessee Challenge
Crucial machinery facing repossession threat by 2nd-lien holders
How Turnaround Firm Protects Your Lease Facility
Enforce PMSI rights, secure standstills, and isolate lease-backed assets
Lessee Challenge
Distressed sale-leaseback transactions
How Turnaround Firm Protects Your Lease Facility
Clean up balance sheets to unlock equity in existing equipment fleets
Our 4-Step Process for Equipment Lessors
Joint Credit & Debt Review
Portfolio & debt assessment: we analyze the lessee's complete liability stack, cash flow statements, and debt obligations alongside your risk management team.
Custom Workout Plan
Strategy alignment: we establish required debt-reduction targets and cash-flow benchmarks needed to bring the lease agreement back into compliance.
Junior Debt Restructure
Junior creditor negotiations: our workout team negotiates directly with unsecured lenders, vendors, and MCA funders to achieve binding payoff settlements and releases.
Facility Stabilization
Closing & ongoing compliance: the lessee emerges with a right-sized balance sheet, cash reserves restored, and a clear path to fulfilling equipment lease obligations.
Protect Your Lease Portfolio Today
Don't let bad capital structure force an unnecessary equipment repossession. Let Turnaround Firm handle complex multi-creditor workouts while you maintain your asset yields. Have a prospective lease or distressed account to discuss?