Alternative Funding Specialists · Serving All 50 States
From the first dollar funded to the last dollar collected.
Schwartz Consultant Group is the partner alternative funders nationwide rely on for underwriting, risk assessment, legal recovery, and collections — and the connection merchants use to access same-day capital.
What Sets Us Apart
Schwartz Consultant Group
Schwartz Consultant Group is a specialist firm built for one industry: alternative funding. Merchant cash advance, factoring, revenue-based funding — it’s all we do, and that focus is the difference. Where generalist consultancies treat funding as one vertical among many, we know it cold, and we protect your portfolio across its entire lifecycle.
In this business, cash flow is king; your operation lives or dies on it. Our model protects yours from both ends. Sharp underwriting on the front end makes sure the deals you fund are collectible in the first place, and disciplined recovery on the back end ensures the defaults every portfolio carries never dent your cash flow. We don’t treat the industry’s assumed default rate as a cost of doing business. We treat it as a number we exist to drive down.
We work as a direct extension of your team — analyzing credit viability, underwriting new deals, assessing legal exposure on troubled files, and recovering capital when accounts go bad. For merchants, we turn that same expertise into access: fast, informed connections to the right funding partners.
One partner. The full lifecycle. From the first dollar funded to the last dollar collected.
Four disciplines, one mandate.
Collections & Loss Mitigation
- Early intervention & restructuring
- Full-scale collections
- Legal-backed enforcement
Underwriting
- Cash flow & affordability
- Risk detection
- Decision-ready grading
Risk Assessment & Legal
- Legal viability analysis
- Asset discovery & enforcement prep
- Judgment strategy
Funding
- Same-day funding access
- Real credit analysis
- Strategic guidance
Services
Recover more. Write off less.
When an account starts to slip, the difference between a full recovery and a total loss comes down to how fast and how skillfully you act. We manage the entire distressed-account lifecycle — from early-stage loss mitigation that keeps shaky accounts performing, to full recovery on defaulted advances across every paper grade.
Our goal is straightforward: reduce your default rate and protect your internal cash flow. We work to keep accounts current and losses contained — and when a file does ultimately default, the underwriting behind it becomes the foundation for recovery. A properly underwritten file gives us the documentation and standing to pursue the default hard, including the legal remedies needed to secure and freeze the assets behind the balance owed.
Our approach is firm, professional, and fully compliant. We protect your capital without putting your reputation or regulatory standing at risk — because how a default is handled reflects directly on the funder behind it.
What we handle
- Early-stage loss mitigation, restructuring, and workout on at-risk accounts
- Full recovery on defaulted advances and alternative business loans across A-grade through D-grade paper in all 50 states
- Outreach and negotiation handled to professional and regulatory standards
- Recovery of purchased future receivables and outstanding balances
- Legal remedies to secure and freeze assets on defaulted files, coordinated through our Risk & Legal team
For funders carrying distressed paper, every dollar collected is a dollar straight to the bottom line.
Approve with confidence. Fund with speed.
Underwriting is the single biggest lever on a funding portfolio’s performance. We give funders decision-ready analysis that’s fast enough to win the deal and rigorous enough to protect the book.
We go beyond credit scores. Our underwriting reads the real financial story of a business — cash flow, revenue patterns, seasonality, and volatility — drawn directly from bank statements and processor data, then stress-tested for the risks that sink alternative funding deals.
What we analyze
- Bank statement and cash flow analysis with revenue and deposit verification
- Affordability analysis, seasonality trends, and volatility modeling
- Stacking detection and existing-position review
- Fraud screening, identity verification, and UCC checks
- Clear risk grading with documented, defensible funding decisions
The result: faster approvals, fewer surprises, and a portfolio built on files you can stand behind.
When a file goes bad, know exactly how to collect.
Underwriting tells you whether to fund a deal. Risk assessment tells you what to do when one goes wrong. These are different disciplines, and we treat them that way.
Once a file turns, the questions change: What is this debt actually worth? Is it legally collectable? What is the fastest, most defensible path to recovering it? We answer those questions — assessing the legal ramifications of each individual file, its enforceability, and the realistic recovery picture — and then we build and drive the strategy to collect.
We’re not a law firm. We’re a consulting firm with deep command of the laws, regulations, and compliance matters that govern recovery — and when a file calls for legal action, we coordinate directly with outside counsel to execute.
What this includes
- Legal exposure and collectability assessment on troubled files
- Lien demands and formal recovery notices
- Pursuit of judgments in coordination with outside counsel
- Asset location, skip tracing, and debtor investigation
- Post-judgment enforcement strategies to maximize recovery
This is the layer that turns a bad file from a write-off into a recovery — by knowing precisely where you stand legally and how hard you can push.
The right capital, matched to your business.
For merchants who need capital now, we turn underwriting expertise into access. We analyze your credit viability, understand your business, and connect you directly with the right partner from our funding network — for same-day business funding.
Because we underwrite and recover for a living, we don’t just push you toward any offer. Years of working the collections and risk side have shown us exactly which funding structures keep a business healthy and which ones quietly strangle it. That experience is why we’ve partnered with the right financial institutions — and why we advise the merchants we work with on what to avoid, so your business stays in good standing, keeps its cash flow active, and steers clear of the scams and predatory structures this industry is known for.
What you get
- Same-day business funding through our vetted partner network
- A full analysis of your credit profile and funding viability
- Honest guidance on what to avoid before accepting an offer
- Tailored funding solutions matched to your business needs
- Direct access to trusted funding partners nationwide
For merchants seeking capital.
Let’s move capital smarter.
We Make Every Second Count.
For funders, that means sharper underwriting, stronger recovery, and better risk control.
For merchants, it means faster access to the right capital.
One partner. The full lifecycle.
Everything you need to know.
What does Schwartz Consultant Group do?
We’re a specialist services firm for alternative funding companies. Whether you’re a merchant cash advance provider, a factoring company, or a revenue-based funder, we handle the full lifecycle of your deal — underwriting, collections and loss mitigation, and risk assessment and legal recovery — and we connect merchants with funding partners for same-day capital.
Do you work in both the United States and Canada?
We service all 50 states. Our capabilities also translate directly to Canada — so if you’re a Canadian funder or merchant who needs us, we’re equipped to help.
What do I need to apply for funding?
Your three most recent business bank statements and basic business details. We’ll analyze your credit viability and match you to the right funding partner.
Let's talk.
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