Debt Restructures & Special Situations
Rush Street Capital has proven experience helping companies through challenging finance decisions. We specialize in debt recapitalizations, refinances, balance sheet restructuring and difficult to finance situations.
Special Situations & Financial Restructuring
Businesses rarely operate in a straight line. Market disruptions, operational challenges, customer concentration, changing economic conditions, covenant pressure, liquidity constraints, and maturing debt obligations can create complex situations that require thoughtful strategy and experienced execution. During these critical moments, the difference between simply finding capital and securing the right capital can materially impact the future of a business.
Rush Street Capital provides specialized advisory services for companies navigating financial challenges, transitional periods, and complex capital structures. Drawing upon decades of experience across commercial banking, leveraged finance, private credit, and investment banking, we help CEOs, CFOs, business owners, and private equity sponsors evaluate strategic alternatives, stabilize operations, and position businesses for long-term success.
Our team has significant experience working through debt restructurings, loan workouts, recapitalizations, refinancing initiatives, liquidity events, and special situations where traditional financing solutions may no longer fit the needs of the business. We understand that challenging situations often require more than a standard lending process. They require creativity, urgency, and an understanding of how lenders, investors, and credit committees evaluate risk under pressure.
One of our greatest strengths is our ability to combine rigorous financial analysis with practical transaction execution. We build detailed financial models and scenario analyses designed to stress-test assumptions, identify liquidity needs, evaluate capital structures, and develop actionable solutions for complex situations. Whether addressing near-term cash flow challenges or repositioning a company for future growth, we help clients create a roadmap grounded in data and informed decision-making.
Our Special Situations advisory services include:
• Debt Restructuring & Refinancing
• Loan Workouts & Lender Negotiations
• Financial Modeling & Scenario Analysis
• Liquidity Management Strategies
• Recapitalizations & Balance Sheet Optimization
• Covenant Analysis & Capital Structure Evaluation
• Distressed & Transitional Financing Solutions
• Turnaround Advisory
• Maturity Management
• Special Situations Capital Raising
Rush Street Capital maintains relationships across a broad network of banks, private credit funds, asset-based lenders, mezzanine providers, family offices, and alternative capital sources. These relationships, combined with our experience in complex transactions, allow us to identify financing solutions that many companies may not access independently.
Difficult situations often create opportunities for businesses willing to act decisively. Our role is to help clients bring clarity to uncertainty, create optionality, and execute practical solutions that strengthen financial positioning and support future growth.
At Rush Street Capital, we do more than help companies navigate difficult situations — we help them emerge stronger on the other side.
Rush Street Capital has successfully helped companies through the intricacies and complexities that come with challenging corporate finance decisions such as bankruptcy restructuring, distressed sale processes and balance sheet restructuring. We provide advice and insight to our clients on restructuring and help companies and owners achieve best-possible outcomes in challenging times.
We use our database of capital providers, investors and buyers to provide companies with an expanded list of options on a discrete and confidential basis. Our experience with special situations allows us to be an trusted provider of advisory services to companies and private equity firms.
Special Situations
We have closed numerous transactions with companies who are under pressure from their bank, senior or junior lender and helped them achieve a successful refinancing of their debt. We negotiate with the company’s debt providers and streamline the evaluation process for potential new lenders. We refine the company’s message to gain the best response possible from middle market lenders and we professionalize the process bringing a common sense approach to situations that may have come under stress.
Rush Street Capital also advises borrowers and business owners in situations where distressed balance sheets call for a deeper restructuring. In cases where full repayment of the company’s existing debt is in question and new solutions may be required including bringing in fresh capital and bringing in new capital providers, Rush Street Capital can help restructure existing debt, restructure the existing balance sheet and provide unique alternatives to preserve and maximize value for existing and new owners.