The first 30 days of financial pressure
When you are quietly wondering whether next month’s payroll is safe, the first move is to replace dread with a clear picture.
Read the insight →INSIGHTS & RESOURCES
Useful thinking for difficult decisions.
Practical guidance for owners and the advisors they trust, with enduring questions up front and timely perspectives added as the market changes.
FOR BUSINESS OWNERS
The questions that cannot wait.
Start with cash, obligations, and the choices that keep a business viable.
A practical guide to small-business reorganization
A filing can feel like admitting defeat. The real question is whether the business has a future worth reorganizing around.
Read the insight →Workout, sale, or filing?
The fear of choosing the wrong path can leave an owner with no path at all. Compare the options before time decides for you.
Read the insight →Turning daily debt withdrawals into a survivable plan
When tomorrow’s deposits already feel spent, the way forward begins with an honest look at the cash cycle—not another quick advance.
Read the insight →Change is a business opportunity
What if the business survives its debt but returns to the same problem? Recovery should protect the parts worth carrying forward.
Read the insight →When a personal guarantee becomes business strategy
A lender’s demand can make the business feel inseparable from your family’s future. Start by learning exactly what you promised.
Read the insight →FOR TRUSTED ADVISORS
See the signal early. Help shape the response.
Briefs for accountants, lenders, and other professionals who often spot the pressure first.
When the cash forecast stops matching the story
Accountants often see the warning before anyone says “crisis.” The difficult question is when—and how—to raise it.
Read the insight →The lender conversation before the covenant breach
Borrowers fear that speaking early will trigger enforcement; lenders fear discovering the truth too late. Both need a credible plan.
Read the insight →TIMELY PERSPECTIVE
Current developments, practical consequences.
Focused analysis of events that may affect owners, suppliers, lenders, and trusted advisors.
When a major customer files Chapter 11, suppliers need a map of exposure
A major customer’s filing can make every open order feel uncertain. Suppliers need a clear view of what is owed and what they are still being asked to do.
Read the insight →The Tariff May Not Break the Contract but It Can Break the Margin
A new border restriction can arrive before a contract answer. Michigan companies should map product scope, notice duties, and cash exposure before the next shipment becomes a dispute.
Read the insight →If the Company Cannot Pay Every Bill, Could Michigan Come After You Personally?
When cash gets tight, the order in which a business pays its obligations can create consequences that follow the decision-makers home.
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