As Chief Growth Officer of Second Wind Consultants, Robert DiNozzi focuses on resolving business distress and preserving operating companies across the lower middle market.
His work centers on applying Article 9 restructuring under commercial law to execute non judicial transactions that realign incentives across lenders, owners and investors. Instead of relying on court driven processes that erode value through delay, cost and adversarial dynamics, these transactions preserve going concern value, keep businesses operating and facilitate exits and new originations within the secured finance ecosystem.
DiNozzi has been a leading advocate for pre-packaged Article 9 restructuring as a practical, repeatable solution for distressed situations. Through his writing and industry engagement, he has helped drive broader understanding of how transactional restructuring can improve the efficiency of the secured finance ecosystem. By resolving distressed credits at the asset level and separating operating value from legacy liabilities, these transactions create a path for senior lenders to exit non performing positions while enabling asset-based lenders and other secured finance providers to step into opportunities that would otherwise remain inaccessible.
A key aspect of this approach is solving a traditional bottleneck in bank to ABL transitions, the collateral shortfall, where the incumbent lender may not be prepared to write down the deficiency balance, precluding a transition to ABL. By creating a more viable path to recovery beyond asset value through the new operating entity, incentives align, opening the opportunity for an ABL refinance of the collateralized portion.
Through his writing, speaking and work with lenders, advisors and business owners, DiNozzi continues to advance faster, more aligned and more practical solutions to business distress.
He is a regular contributor to ABF Journal, ABL Advisor and the Journal of Corporate Renewal, and serves on the Global Board of Trustees of the Turnaround Management Association.
