Who We Help
Industries where cash flow volatility is normal and debt can accumulate fast. If your industry is not listed, call anyway — most of the work transfers.
Hamilton & Merchant works with small and mid-sized U.S. businesses. We are not industry-exclusive, but we have deepest experience in the categories below — because these are the industries where cash flow pressure most often produces the kind of debt stack that benefits from our work.
Service Businesses
Agencies, professional services, and trade operators whose cash flow depends on client payment timing. We help when receivables slow down and obligations do not.
Read moreContractors
General contractors and subs exposed to payment delays, retention, bonds, and material cost spikes. Debt that accumulates on a job-by-job basis requires specialist handling.
Read moreLandscaping Businesses
Seasonal revenue, year-round equipment obligations, and weather-driven volatility make landscaping one of the most cash-flow-fragile industries we work with.
Read moreSeasonal Companies
Tourism, holiday retail, and cyclical operators whose income is compressed into a few months but whose debt service runs twelve. Timing is everything.
Read moreRestaurants
Payroll-heavy cost structures, tight margins, and supplier terms that tighten the moment sales dip. Restaurant debt workouts require industry-specific judgment.
Read moreHospitality
Hotels, short-term rentals, and event venues face demand swings against fixed cost bases. We help operators stabilize through demand shocks without losing the property.
Read moreRetail
Independent retailers caught between inventory cycles, rent escalators, and shifting consumer spend. Debt pressure often arrives right after a slow quarter.
Read moreYour industry not on the list?
Call us anyway. If we are not the right fit, we will say so — and usually point you to someone who is.
One conversation can change everything.
The first call is free, confidential, and without obligation. We will listen, assess your situation, and lay out your real options — not a sales pitch.
Start The ConversationOr call / text (407) 993-1416