MCA Shield · Company profile
Second Wind Consultants Reviews & Business Restructuring
Review Second Wind’s BBB record, customer feedback, MCA services and Article 9 approach. Understand the questions that matter before committing to a restructuring proposal. This is public-source research, not a firsthand account of using the firm.
Sources checked September 16, 2026 · Published by MCA Shield
Industry perspective: Shane Fitzgibbon
What does Second Wind Consultants do?
Second Wind Consultants markets business debt resolution alongside corporate turnaround and management consulting. Its restructuring work emphasizes preserving the value of a business as an operating enterprise, rather than treating the problem only as a series of monthly payments.
For an owner comparing MCA providers, the central question is whether the proposed engagement involves creditor negotiations, a business reorganization, or both. Those approaches can have very different implications for assets, ownership, financing, and ongoing operations.
Company service descriptions: Second Wind’s website.
The RISE program
Second Wind names its debt resolution program RISE: Restructure, Insulate, Strategize & Emerge. It describes support for both small businesses and larger organizations, including situations involving MCA or SBA obligations.
Corporate alliances
The firm also works with banks, asset-based lenders, factors, private equity firms, and transaction advisors. Its alliance materials describe using secured-party sales and other transactions to address distressed assets and subordinate debt.
Second Wind Consultants reviews and BBB status
Two customer reviews
BBB displayed this customer average on September 16, 2026. Two reviews are a small sample, not a measure of outcomes across the firm’s client base.
BBB accredited
The matched business record lists accreditation since January 24, 2014. Accreditation and the letter grade are separate from customer review stars.
What the customer comments describe
A December 2025 reviewer describes a lengthy engagement involving negotiations and operational challenges, emphasizing communication and coordination. A September 2024 reviewer credits the team with developing a recovery and reorganization strategy after a prolonged closure. These are the reviewers’ accounts; MCA Shield has not audited the engagements or verified their results.
Source: BBB customer feedback. Read the dates and circumstances rather than comparing stars alone.
Second Wind Consultants complaints and responses
BBB displayed one complaint in the preceding three years and zero complaints closed in the preceding twelve months. The listed complaint was marked answered, which does not necessarily mean the customer was satisfied.
In an August 2024 complaint, a complainant disputed progress and bank communication during a restructuring engagement. Second Wind’s response said it had contacted the banks and that the proposed transactions could not proceed without a buyer. These are competing accounts; this profile does not decide the dispute.
What to confirm: If an asset sale is proposed, who must identify the buyer, what funding is needed, and what fees remain due if the transaction cannot close?
Source: BBB complaint and full company response ↗. The count is not a complaint rate and should not be treated as a prediction of future performance.
Google and Trustpilot review information
A current Google score and count were not independently verified for this update, so no numerical Google rating is assigned. No Trustpilot score is assigned either. These gaps do not mean that reviews do not exist.
Search Google for Second Wind Consultants reviews ↗. This opens search results, not a verified direct review profile. Match the company website, location and contact details before relying on a listing.
Understanding its Article 9 focus
Second Wind describes UCC Article 9 transactions as a way to preserve operating value through a secured creditor’s disposition of business assets. Its materials frame this as an out-of-court restructuring approach. That is a more substantial transaction than simply asking a funder for a lower weekly payment.
Company’s description: Article 9 and corporate alliances.
Asset liens and debt obligations are different. UCC § 9-617 addresses the transfer of collateral and discharge of specified security interests and subordinate liens. It should not be read as a blanket promise that every business debt, tax liability, or owner guarantee disappears.
UCC § 9-610 requires a commercially reasonable disposition. Applicable state law and the transaction’s facts matter; legal counsel should assess the proposed structure and any surviving obligations.
Legal reference: UCC § 9-617 and UCC § 9-610. General background, not an assessment of a particular transaction.
Which business problems does the firm address?
Its MCA resolution page describes a tailored approach that can include Article 9 restructuring or Credit Rehabilitation Restructuring. These are advertised options, not confirmation that either is suitable for every file.
Ask the team to name the proposed route before comparing fees or expected outcomes. For background on modifying existing obligations, read our MCA restructuring guide.
| Situation | Relevant service and scope to confirm |
|---|---|
| MCA distress | Second Wind’s history identifies Rise Alliance as a division launched in 2023 to address MCA distress and personal guaranty resolution. Ask which entity would handle your engagement. |
| Secured commercial debt | Its alliance services include work involving banks, asset-based lenders, and factors. Ask how creditor priority, collateral value, and funding for any proposed asset sale affect feasibility. |
| SBA obligations | The RISE description includes businesses with SBA debt. Request a specific explanation of the lender, collateral, and guarantee issues in your case. |
| Operational underperformance | Turnaround and management consulting are separately advertised services. Clarify whether operational work is included in a debt engagement or requires a separate scope. |
| IRS or state tax liabilities | This profile does not verify a standalone tax-resolution service. Ask how any tax debt or liens would be treated; do not assume an asset restructuring resolves them. |
Sources: company history, RISE services, and corporate alliances.
Second Wind Consultants fees and proposal questions
Second Wind advertises a free initial assessment and a no-obligation consultation. The pages reviewed did not provide a complete standard fee schedule, universal minimum debt threshold or guaranteed completion timeline. A free assessment does not mean the subsequent engagement is free.
Consultation source: Second Wind’s MCA resolution page. Obtain current pricing and eligibility in a written proposal.
Separate fees from transaction funding
Request consulting charges, legal fees, valuation costs and any funding required to complete an asset purchase as separate amounts. Identify what is payable upfront, at milestones or at closing, and what is refundable if the plan changes.
Define deliverables and responsibilities
Ask who handles creditor contact, prepares the proposed structure, identifies a buyer and arranges financing. Set reporting milestones and ask what alternative is available if a necessary participant declines.
When is its approach worth exploring?
Its emphasis on business reorganization may be relevant when the problem involves collateral, several creditor positions or the future ownership of an operating business. An owner seeking only a lower MCA payment should ask whether that narrower need can be addressed without a broader transaction.
Evaluate the proposed end state: who owns the assets, which obligations remain, what happens to guarantees and how the business funds ongoing operations. A payment reduction alone does not answer those questions.
These are MCA Shield’s comparison questions, not findings that a particular transaction will succeed. Read the firm’s full website and compare other MCA debt relief providers before narrowing your options.
Company history, leadership and affiliations
Accredited since 2014
BBB lists accreditation beginning January 24, 2014. Its letter rating is separate from customer review scores.
2008 or 2009?
Second Wind’s timeline gives 2008 as its founding year. BBB lists April 1, 2009 as the business start and May 4, 2009 as incorporation. The sources may describe different milestones; neither is silently substituted for the other.
TMA & Special Asset Solutions
The company says it joined the Turnaround Management Association in 2019 and formed a Special Asset Solutions division in 2024, led by Sally C. Barton. Current TMA membership was not independently verified here.
Aaron Todrin
The company identifies Aaron Todrin as President and Partner and dates his leadership transition to 2017. His biography describes a bankruptcy-law background; that does not by itself identify who would provide legal representation for your business.
Second Wind Consultants frequently asked questions
Where can I read Second Wind Consultants reviews?
The reviews section links to BBB customer feedback and complaints and explains the limits of the available ratings. Read both customer accounts and company responses. This profile does not provide an MCA Shield star rating.
Is Second Wind Consultants BBB accredited?
The matched BBB record showed accreditation and an A+ grade when checked on September 16, 2026. Follow the BBB record for current status. Accreditation is not a guarantee of results or suitability.
Does every Second Wind engagement involve an Article 9 sale?
Its published services cover multiple forms of consulting and debt resolution. The public materials do not establish that every client uses the same structure. Ask whether your proposal involves a secured-party sale, a negotiated workout, management consulting, or a combination.
What is the relationship between Second Wind and Rise Alliance?
Second Wind’s timeline identifies Rise Alliance as its MCA-focused division. Confirm the contracting entity, case-management team, and any separate legal engagement before enrolling. Our Rise Alliance profile provides additional context; its ratings should not be combined with Second Wind’s.
What happens to an owner’s personal guarantee?
Second Wind discusses personal guaranty resolution as part of its services. Ask for the proposed treatment of each guarantee separately from the business assets and debt. This profile does not establish that a guarantee is automatically released.
Can an owner retain control after a restructuring?
Do not assume that the proposed buyer, ownership interests, or control of operations will remain the same. Request the transaction structure, buyer identity, ownership arrangements, and funding requirements in writing.
What does Second Wind disclose about consultation and pricing?
Its debt resolution page advertises a free fact-finding consultation and a no-obligation consultation with a RISE strategist. A verified fee schedule is not provided in this profile. Ask for a proposal separating consulting fees, legal costs, and any transaction funding required.
For general provider comparisons, visit the MCA debt relief company hub.
Discuss your restructuring situation with Second Wind
Ask which service fits your business: MCA resolution, secured debt restructuring, turnaround consulting, or a transaction involving lenders and assets.
Phone: 800-594-7473
Address listed by BBB: 47 Pleasant Street, Suite 2S, Northampton, MA 01060-4072
Research method and industry perspective
MCA Shield compared the company’s service descriptions and timeline with its matched BBB business record, reviews and complaint response. General Article 9 references are linked separately from the company’s claims. The practical questions on this page are editorial analysis, not a review of private client files or a legal assessment.
Sources were checked September 16, 2026. Review averages and complaint totals are snapshots. We have not enrolled in Second Wind’s services or independently audited its client outcomes.
Shane Fitzgibbon’s industry background
Shane has worked in debt relief since 2012 and MCA debt relief since 2018. His experience includes marketing, intake work collecting underwriting documents and helping clients submit applications, plus onboarding front-end MCA ISO partners since 2022.
That background informs the directory’s emphasis on scope, documentation and payment questions. It is not presented as firsthand experience with Second Wind or expertise in conducting Article 9 transactions. Read more about Shane.
MCA Shield may receive compensation from select referral partners. A company profile does not by itself identify the company as a referral partner. Read our directory and referral disclosure.