Stefan Bernarsky
From Business Distress to Stability

Let’s move beyond a simple identification of symptoms to provide a complete, actionable roadmap for recovery, stabilization, and long-term resilience.

The objective is not merely to help a business survive, but to provide the tools and understanding necessary to transform it into a stronger, more agile enterprise capable of withstanding future market shocks and thriving.

The central thesis of this article is that financial distress, including the dangerous trajectory of a business debt spiral, is rarely a standalone issue. Instead, it is a symptom of deeper, interconnected challenges, from poor financial management and a lack of strategic planning to operational inefficiencies and an absence of proactive controls.

The path back to financial health is multifaceted, requiring both immediate, decisive action to stabilize liquidity and a fundamental, ongoing commitment to institutionalizing financial discipline.

This report will demonstrate that with the right tools—from mastering the cash flow statement to engaging in honest dialogue with creditors—a business can arrest a negative trajectory, restructure its debt, and build a new, more robust foundation for the future.

The journey from distress to resilience is a process of disciplined financial management, not a single quick fix.

From Business Distress to Stability
Stefan Bernarsky
Signs that Your Business is Facing Debt Troubles

It's a foundational truth in the business world: growth often requires debt.

Whether it's a loan for new equipment, a line of credit to manage seasonal inventory, or a commercial mortgage for a new facility, strategic borrowing is a common and often necessary tool for expansion and operation.

However, there’s a critical difference between manageable, growth-oriented leverage and excessive or mismanaged debt that can quickly become a serious threat to your company’s long-term health and survival. Ignoring the subtle, or sometimes not-so-subtle, indicators of financial distress can be catastrophic.

Proactive identification of these warning signs is not just smart business—it's essential for ensuring the longevity of your enterprise. When debt is mismanaged, your company may find itself drifting toward a financial fog, where visibility is low, risks are high, and the path to stability is obscured

Signs that Your Business is Facing Debt Troubles
Stefan Bernarsky
Unmasking Business Financial Reality

Running a business is a constant balancing act. You're juggling customer demands, managing employees, and making crucial financial decisions every day. It's easy to get caught up in the numbers, especially when you're looking at your profit and loss (P&L) statement and balance sheet.

But what if those reports aren't telling you the full story?

What if the true health of your business is hidden behind the seemingly positive numbers, obscured by debt payments and accrual accounting?

This article isn't about scaring you; it's about empowering you. We'll look into the often-overlooked world of cash flow, a metric that provides a far more accurate picture of your business's performance than traditional accounting methods alone.

We'll uncover why the cash flow statement should be a core part of your weekly, monthly, and quarterly review, and why relying solely on P&L and balance sheets can lead to dangerous assumptions and misinformed decisions.

Unmasking Business Financial Reality
Stefan Bernarsky
Managing Business Debt and Exploring Relief ...

Effectively managing business debt is crucial for long-term success and peace of mind. Every business, regardless of size, can encounter financial bumps—what separates thriving companies is how owners respond.

This comprehensive article will walk you through key strategies, relief programs, and practical tips to help you take control of your business finances, relieve stress, and position your company for a stable future.

Managing Business Debt and Exploring Relief Options
Stefan Bernarsky
Inaccurate Financials Could Be Costing Your ...

You have a general sense of what's coming in and what's going out. Your bank account looks healthy enough.

But what if that 'healthy enough' feeling is masking a silent, insidious threat to your business's long-term viability?

What if the seemingly small inaccuracies in your financial records are actually a hidden price tag, accumulating interest in ways you can't even imagine?

The real cost of inaccurate business financials extends far beyond a simple miscalculation on a spreadsheet. It's a domino effect of looking at accrual basis vs. cash basis, poor decisions, missed opportunities, and escalating risks that can erode your profits, stunt your growth, and even jeopardize the very existence of your business.

This article will peel back the layers of this hidden problem, revealing the true and often devastating consequences of neglecting your financial health. We'll explore ten key areas where this silent menace can wreak havoc, offering a crucial wake-up call for every small business owner who believes they can afford to be anything less than meticulous with their numbers.

Inaccurate Financials Could Be Costing Your Business a Fortune

Finance or Refinance Your Consumer Debt Portfolio Purchases

Kanjorski Partners, LLC can assist consumer debt buyers and collection agencies in refinancing their purchased consumer debt portfolios and with financing for their future purchases.

Eliminate fixed monthly payment amortization and remit monthly on a gross cash flow percentage basis.

Both equity and debt financing structures are available for refinancing existing purchases or for financing new purchases.

For a FREE portfolio appraisal and a quote for financing or refinancing, contact us today to setup a consultation.

www.kanjorskipartners.com/contact

JUDGMENT ACCOUNTS - Sell your consumer debt judgment accounts

SELL YOUR CONSUMER DEBT JUDGMENT ACCOUNTS

Our consumer debt purchasing clients are seeking judgment portfolios for acquisition.

Consumer debt judgments (credit card, consumer loans, auto loans, etc).

Older judgments, dormant judgments and any size is OK.

Please contact us if you have consumer debt judgment portfolios for sale.

https://www.bernarskypartners.com/contact

Collection Law Firm Inventory & Workflow Management

Bernarsky Partners recently entered into a monthly service agreement with a collection law firm for payer identification and account scoring services of all existing and newly placed inventory.

Chance of Collection (tm), our payer identification scoring model is able to identify which defaulted, charged off or judgment accounts will pay in the future. Our collection law firm client uses the Chance of Collection (tm) model to determine which newly placed accounts go to the top of the workflow pile for their attorneys and paralegals to begin reviewing and processing.

We also reviewed all dormant judgment accounts in the law firm’s inventory to determine the most profitable course of action for post judgment remedies by identifying which judgments have the highest propensity to pay.

Here is a white paper on our Chance of Collection (tm) analytics model services

“Chance of Collection” (tm) Overview

Creditor Dormant Judgment Inventory Review and Monetization

Bernarsky Partners recently assisted a subrogation, collection and creditor rights law firm in reviewing their dormant judgment inventory. Chance of Collection (tm), our proprietary analytics model, was able to identify concentrated and specific portions of the total creditor judgment inventory out of a large pool of dormant judgments that will pay in the near future. Our Chance of Collection (tm) model also identified assets such as bank accounts, brokerage accounts, other personal property and places of employment to aid in post-judgment executions and remedies.

This dormant judgment inventory review has enabled our client, the collection law firm, to focus their resources and production time specifically on the judgment accounts that will produce maximum fee revenue and net back to their clients.

Here is a white paper on our Chance of Collection (tm) analytics model services

“Chance of Collection” (tm) Overview

"Chance of Collection"(tm) Predictive Payment Analytics Scoring Model for Defaulted Credit Accounts

Bernarsky Partners, LLC announces its exclusive agreement with “Chance of Collection” (tm), a proprietary predictive algorithmic scoring model that identifies accounts in a defaulted or charged off status that have a high propensity to pay.

The “Chance of Collection” (tm) scoring model is customized client-by-client to produce results through back tested, predictive analytics in the following areas:

(1) COLLECTION AGENCIES- prioritizes accounts by propensity to pay, estimated percentage of payment in each score tranche and also estimated amount and/or term of payments to be expected; increases profitability and efficiency by enabling a collection agency to work less accounts and collect more for their clients

(2) CREDITORS- identifies delinquent accounts that have the highest propensity to “cure” prior to charge off as well as which accounts to keep internally and which accounts to outsource/sell; segments accounts by propensity to fall into delinquency; identifies accounts that are in danger of future bankruptcy; provides recommendations on which accounts to send to litigation with the highest chance of recovery to produce optimal net charge off rates for credit issuers

(3) COLLECTION LAW FIRMS- identifies which accounts in the paralegal’s queue to pursue first for litigation; pinpoints specifically which judgments to focus on monetizing and provides judgment debtor asset information as well as place of employment for judgment execution

Download an overview from the link below of how the “Chance of Collection” (tm) scoring model works:

“Chance of Collection” (tm) Overview

$100mm Senior Credit Facility For Purchasing Defaulted Consumer Receivable Assets

Bernarsky Partners LLC has secured a $100mm senior credit facility for one of our clients to purchase semi-performing and non-performing defaulted consumer credit receivables assets. We sourced this credit facility for our client from our network of alternative asset finance and capital partners.

Bernarsky Partners LLC is also contracted to source, analyze and price assets for acquisition with this revolving senior credit facility.

Merchant Cash Advance (MCA) Direct Investment Platform

Merchant Cash Advances (MCA) to small and medium-sized businesses against their future receivables/sales and their owner’s personal guarantee is a highly profitable investment space.

There are many funds and companies participating in this asset class since its inception circa 2006 and especially since its parabolic rise in market share across the US business lending market place since 2012.

Bernarsky Partners has direct relationships with the most successful private MCA companies who were the innovators of this type and structure of investment. We only deal with the funds and its managers that have a long, proven track record (back to 2006) in successful underwriting and risk management resulting in top quality credit portfolios of merchant cash advance assets.

Bernarsky Partners has close relationships with a select few industry-leading funds that are direct lenders and that offer direct investment into their funds to our clients and partners.

Non-Performing Consumer Credit Card Portfolio

Bernarsky Partners sourced, analyzed, priced and won the auction of a defaulted portfolio of prime-issued consumer credit card assets for its client. Additionally, Bernarsky Partners arranged the senior debt facility and the equity investors for the transaction between its client and a major US financial institution who was the seller of the defaulted receivable assets.

Bernarsky Partners is also overseeing the on-going decision analytics and management of the liquidation of the assets acquired by its client.

Business Intelligence and Analytics Dashboards

Bernarsky Partners has created an integrated, central data repository and reporting platform for a family office that has acquired and continues to acquire financial service companies specializing in consumer lending and the credit and collections industry.

The centralized data base and analytics dashboards created have integrated and helped leverage the data of each company across the entire organization. The executives and senior management team is now better able to understand the operations of each entity and also more closely monitor their growth targets and strategies from one central point with more frequent updates and insight.

Predictive Analytics and Work Flow Consulting

Bernarsky Partners contracted with a prominent accounts receivable management company to provide predictive analytics and business intelligence services. Our proprietary analytics platform and systems helped our client better pinpoint specifically which defaulted accounts will liquidate (begin to pay again after defaulting).

Our analytics of their multiple lines of business and account-level scoring enabled them to enhance their current operations and more precisely target their inventory thus recovering more for their clients as well as operating more profitably.

This particular client is a long-time vendor and service provider of account receivable management services for numerous Fortune 100 and Fortune 500 US auto manufacturing, banking and finance companies.

Semi-Performing Auto Deficiency Receivable Portfolio

Bernarsky Partners identified, analyzed, priced and won the auction of a semi-performing portfolio of subprime-issued auto accounts for its client. Additionally, Bernarsky Partners arranged the equity investors for the transaction between its client and a major US auto finance company who was the seller of the deficiency (balance owed after auto repossession) portfolio of receivable assets.

Bernarsky Partners is also overseeing the on-going decision analytics and management of the liquidation of the assets acquired by its client.

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BERNARSKY ADVISORS

Business Finance & Strategy Advisors
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Help with Business Debt, Loans and Merchant Cash Advance (MCA)

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