Debt Structure Optimization: Free Up Cash Flow in 2026 Debt Structure Optimization: Unlock Business Growth with Smarter Capital A logistics company outside Columbus was having its best year ever. Revenue is up 22%. New contracts signed. Trucks running full. The owner still couldn't sleep. Eighteen months earlier, a slow-paying customer had created a six-week cash gap. To keep drivers paid and trucks moving, he took a merchant cash advance. It worked. Four months later, a second gap — a second advance, stacked on the first. Then, a daily draw credit line to smooth out the difference. By the time he ran the numbers, $2,400 was leaving his operating account every business day before he'd paid for a single gallon of fuel. Growing 22% a year, he couldn't afford a fourth truck. That's short-term debt service drag — and in mid-2026, it's the most common financial condition we see in otherwise healthy SMBs across com...