A company is considered to be distressed when either (a) its cash flow cannot pay its trade debt or service its current debt in the normal and ordinary course of business or within 30 days of aged accounts payable; (b) any of its commercial banking covenants are in breach or will become in breach within 90 days absent new capital contributions; or (c) its balance-sheet liabilities exceed its fixed assets, except in a start-up company or where an expansion of book debt capacity has resulted from a capital financing.

Monticello Capital will provide certain litigation financial support services in civil matters before US state and federal courts but does not provide expert witness deposition or courtroom testimony.

Monticello Capital does not provide wealth management services to individuals. The firm has no outside investors. All funds invested in the investment bank’s transactions are the personal capital assets of the Managing Director.