Subchapter V of Chapter 11 is the fastest, most affordable federal legal tool available to small business owners drowning in COVID loans, SBA debt, and personal guarantees — and most business owners have never heard of it.
The COVID loan wave is crashing. Lenders are calling. Most business owners don't know there's a federally protected exit.
You took a COVID EIDL loan to survive — now the full payment schedule has hit and cash flow doesn't cover it.
Banks, SBA servicers, and private lenders are demanding payments, threatening acceleration, or already in default proceedings.
You signed a personal guarantee on business debt and now your home, savings, and personal assets are on the line.
Traditional Chapter 11 costs $250K–$500K+ in legal fees. It was never built for small businesses. Subchapter V was.
You're not done — the business has revenue and a future. You just need breathing room and a restructured debt load you can actually survive.
You've talked to lawyers who gave you $500/hr consultations and no answers. You need a clear, affordable, structured solution.
Enacted in 2019 and expanded during COVID, Subchapter V is a streamlined Chapter 11 designed specifically for small businesses. Here's how it works:
If you have under $7.5M in business debt and a legitimate business, you qualify. Filing triggers an automatic stay — all collections stop immediately.
You — not your creditors — propose a 3–5 year repayment plan based on what your business can actually afford to pay.
A trustee is appointed but has limited power. Creditors can object, but the court can confirm your plan even over creditor objections.
You keep running your business, make plan payments, and emerge debt-free at the end of the plan period. You retain your equity throughout.
Traditional Chapter 11 was designed for corporations with $100M+ in debt. Subchapter V changes everything for small businesses.
| Feature | Traditional Chapter 11 | ⚡ Subchapter V |
|---|---|---|
| Attorney costs | $250K – $500K+ | $15K – $40K typical |
| Timeline to confirmation | 12–36 months | 60–90 days |
| Creditors' committee | Required (they have power) | None required |
| Owner equity | Shareholders can be wiped out | Owner retains equity |
| Who proposes the plan | Any party (creditors too) | Only the debtor |
| Disclosure statement | Complex, expensive document required | Not required |
| Best for | Large corporations | Small businesses under $7.5M debt |
Answer 5 quick questions to see if Subchapter V is a fit for your situation.
Takes 60 seconds · No personal info required · Confidential
Based on your answers, you appear to meet the core eligibility criteria for Chapter 11 Subchapter V. This means you may be able to restructure your debt on terms you can actually sustain — while keeping your business and your equity.
Secure Your Spot — $1,000 Deposit →Deposit is fully credited toward your engagement fee.
Your situation has some nuances that need a closer look. Subchapter V may still be the right tool for you. Join the waitlist and our team will review your profile and schedule a free qualifying call.
Join Waitlist for Free Review →Based on what you've shared, you may be better served by a different approach — whether that's a simple debt negotiation, Chapter 7, or another path. We'll be happy to point you in the right direction. Join the list anyway and we'll review your situation at no cost.
Get a Free Referral →Composite feedback from consultations and early prospects. Names changed for confidentiality.
"I had $1.1M in EIDL debt and thought I was going to lose everything. Nobody told me about Subchapter V until I found this. The automatic stay alone was life-changing."
— Restaurant owner, Southern California"My SBA lender was threatening acceleration on my 7(a) loan. Filing Subchapter V stopped everything cold. I proposed a plan based on what the business actually makes. It was confirmed in 11 weeks."
— Trucking company owner, Texas"I quoted Chapter 11 with two law firms. Both said $300K+ to get started. Subchapter V was done for a fraction of that and I kept my equity. I had no idea this even existed."
— Retail chain owner, FloridaWe're onboarding a limited number of clients in our launch cohort. Reserve your spot with a fully refundable $1,000 deposit — credited 100% toward your engagement.
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The law gave small business owners a powerful tool to survive. Most of them don't know it exists. Now you do.
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