What Metro Capital does

Metro Capital LLC is a privately-held, founder-owned financial advisory firm founded in 1994 by Robert B. Schwartz and headquartered across Miami, Florida and Northern Virginia. The firm specializes in debt restructuring and balance sheet remediation for distressed U.S. companies, with a particular focus on Merchant Cash Advance (MCA) facilities and overdue accounts payable. Its core methodology, branded as "Balance Sheet Surgery," involves direct negotiation with creditors to reduce or modify outstanding obligations, combined with the development of customized financial roadmaps to keep clients operating outside of bankruptcy.

Metro Capital operates exclusively on a contingency fee model and does not charge upfront fees, meaning revenue is realized only when debt is successfully reduced or restructured. The firm does not sell a technology product; its offering is purely advisory and negotiation-based, delivered by a small team (1–10 employees) led by Founder & President Robert B. Schwartz (Georgetown MBA) and Vice President Matthew Schwartz (UVA Darden MBA, formerly of L.E.K. Consulting and Deloitte). Disclosed case studies show settlements typically achieving 40–55% debt reduction and weekly cash payment reductions of up to 89%.

Go-to-market is entirely referral-driven, with the firm cultivating a 30-year network of asset-backed lenders, private equity firms, family offices, investment bankers, and financial advisors who route distressed companies to Metro in exchange for referral fees. Named partners include Dare Capital Partners and Chevy Chase Bank. The firm is not venture-backed, has no institutional investors, and operates as an independent, self-sustaining boutique practice serving the Southeast and Mid-Atlantic U.S. (with case-study reach into the Midwest and Texas).

Name

Metro Capital

Legal name

Metro Capital LLC

Website

https://metrocapitalllc.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

1–10 employees

Short description

Metro Capital LLC is a founder-owned, contingency-fee financial advisory firm founded in 1994 that restructures Merchant Cash Advance debt, overdue accounts payable, and distressed balance sheets for U.S. companies, primarily sourced through lender and investment-banker referral networks.

Ownership category

akta.pro rank

Product category

Debt Restructuring Services

NAICS

Credit Intermediation and Related Activities (522)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Collections & Creditor Negotiation Support (Debtor-Side) (FSAEAFAI)

akta.pro secondary industry

Distressed Debt & Special Situations Credit Trading (FSACAEAJ)

Keywords

• Debt restructuring services
• Balance sheet restructuring
• Merchant cash advance resolution
• Creditor negotiation services
• Distressed debt advisory

Headquarters

HQ city

Washington

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Contingency-Based Debt Restructuring Fees: Metro Capital operates entirely on a contingency fee basis, meaning they are only compensated when they successfully reduce or modify a client's debt obligations. This aligns their incentives with client outcomes and means they work on a success-fee model tied to debt savings achieved.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Metro Capital works with distressed companies to restructure their balance sheets by reducing or modifying delinquent accounts payable, Merchant Cash Advance (MCA) facilities, and similar debt instruments. The firm negotiates directly with creditors on the client's behalf and develops financial roadmaps for moving forward. All engagements are conducted on a contingency basis, with no upfront fees charged to clients.

Product overview

Metro Capital is a financial services firm specializing in debt restructuring for distressed companies. The company offers a single unified service focused on helping businesses overcome debt and avoid bankruptcy through negotiating directly with creditors, restructuring balance sheets (including MCA facilities and delinquent accounts payable), and developing financial roadmaps for clients—all on a contingency basis. The firm does not operate a technology product platform; its offering is purely advisory and negotiation services.

Differentiator

Problem solved

Functional benefit

Products and services

• Balance Sheet Surgery Debt Restructuring An end-to-end debt restructuring engagement for distressed SMB and mid-market companies: Metro Capital negotiates directly with creditors (MCA providers, vendors, suppliers) to reduce outstanding balances and weekly payment obligations, and develops a financial roadmap to move the company forward without filing for bankruptcy. Delivered on a contingency basis with no upfront fee; charged only when debt is successfully reduced or modified.
• Merchant Cash Advance (MCA) Debt Resolution A targeted debt resolution service for companies burdened by multiple Merchant Cash Advance facilities causing severe cash flow problems. Metro Capital negotiates reduced lump-sum settlements and lower weekly payments; documented outcomes include settlements of 40-55% of face value and weekly payment reductions of up to 89%.
• Overdue Accounts Payable Settlement Negotiation and settlement of significant past-due balances with vendors and suppliers, enabling the client company to repair supplier relationships and redirect working capital to operations rather than legacy liabilities. Documented outcomes include settlements such as $600k of AP settled for $225k.
• Bankruptcy Avoidance Advisory Advisory engagement for companies considering bankruptcy as their only option. Metro Capital develops a financial roadmap that preserves shareholder value and jobs while restructuring legacy liabilities, offering a bankruptcy alternative through negotiated settlements and creditor workouts.

Quantifiable outcome

• MCA payments reduced by up to 89% (e.g., $230k/week to $25k/week)
• +2 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core.

• Dare Capital PartnerscoreChannel Partner/ Reseller/ DistributorDare Capital Partners is a referral partner that refers distressed clients with MCA or other debt problems to Metro Capital. Co-Founder + CEO Cole Harmonson provides testimonial endorsement: 'When we have a prospect or a client who has problems with MCAs (or any other problematic debts) our first call is always to Rob and his team at Metro.'
• Chevy Chase BankcoreChannel Partner/ Reseller/ DistributorChevy Chase Bank is a lending institution that refers clients to Metro Capital. Senior Lender Tanya Butterfield provides an endorsement: 'THE BEST IN THE BUSINESS. I wouldn't use or refer anyone else. Their determination to get the deal done in the best possible way surpasses any other company in the business.'
• Asset-Backed/Based Lenders (Referral Network)coreChannel Partner/ Reseller/ DistributorAsset-backed and asset-based lenders are described as among Metro Capital's most frequent referral sources. These lenders may have prospects with strong collateral (accounts receivable, equipment, inventory) but preexisting liens make deals untenable. By reducing debt and eliminating or subordinating liens, Metro Capital enables these lenders to fund more deals while paying them referral fees.
• Private Equity Firms, Family Offices, and other Investors (Referral Network)coreChannel Partner/ Reseller/ DistributorPrivate equity firms, family offices, and other investors often bring Metro Capital in to work with a distressed target, portfolio company, or a business they encountered that could use their help with debt reduction. These partners refer companies seeking financial restructuring.
• Investment Bankers & Advisors (Referral Network)coreChannel Partner/ Reseller/ DistributorInvestment bankers engage Metro Capital to help get deals across the finish line. Capital market teams seek Metro Capital's assistance ahead of IPOs, Reverse Mergers, or uplistings. M&A advisors call when decreasing a company's debt on its balance sheet is required for a transaction.

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• FTI Consulting: FTI Consulting's Corporate Finance & Restructuring segment advises debtors and creditors on liability management, distressed M&A, and turnaround situations. Comparable to Metro Capital as both operate in the restructuring advisory space, though FTI is far broader and serves much larger enterprise clients.
• Huron Consulting Group: Huron Consulting operates a Business Advisory segment that includes financial restructuring and turnaround services. Adjacent to Metro Capital in serving distressed companies with restructuring needs, though Huron's practice is much broader and embedded in a larger consulting platform.
• Kroll: Kroll's Restructuring practice provides financial advisory, creditor advisory, and distressed-debt services globally. Comparable to Metro Capital in restructuring advisory, though Kroll operates at much larger scale and broader service scope.
• BDO USA Restructuring Practice: BDO USA's Business Restructuring practice advises distressed middle-market companies on turnaround, creditor negotiation, and bankruptcy alternatives. Comparable to Metro Capital in serving the SME distressed segment, though offered within BDO's broader accounting and advisory platform.
• Alvarez & Marsal: Alvarez & Marsal's Restructuring practice is a global leader in distressed advisory, interim management, and turnaround consulting. Comparable to Metro Capital on the debtor-side restructuring core, but A&M serves Fortune 500 restructurings versus Metro's SME/MCA focus.

Direct peers

• Conway MacKenzie (now Riveron): Conway MacKenzie, now part of Riveron, is a restructuring advisory firm focused on middle-market distressed companies, creditor negotiations, and turnaround consulting. Directly comparable to Metro Capital's niche in advising distressed SMEs on debt restructuring and balance sheet repair.
• M3 Partners: M3 Partners is an independent financial advisory firm specializing in restructuring and special situations for middle-market companies and their creditors. Directly comparable to Metro Capital in service offering, customer type (distressed SMEs), and contingency-style engagement on complex debt situations.
• B. Riley Financial: B. Riley Financial operates a dedicated Financial Consulting segment providing restructuring advisory, distressed M&A, and creditor-side services alongside its investment businesses. Comparable to Metro Capital's debt restructuring advisory with overlapping client base in middle-market distressed situations.
• CR3 Partners: CR3 Partners is a turnaround and restructuring advisory firm serving middle-market companies, lenders, and investors. Directly comparable to Metro Capital on distressed-debt advisory, creditor negotiation, and contingency-driven engagements with SMEs.
• GlassRatner Advisory: GlassRatner Advisory (now part of B. Riley) provides restructuring advisory, forensic accounting, and special situation services to distressed middle-market companies. Comparable to Metro Capital on debtor-side advisory and creditor negotiation for SMEs in financial distress.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/metrocapital
• Xx.com/MetroCapitalLLC
• Facebookfacebook.com/MetroCapLLC

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Metro Capital