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    <lastmod>2024-03-10</lastmod>
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      <image:title>About - Start your journey today</image:title>
      <image:caption>With decades of financial expertise, systems analysis, and energetic leadership, we look forward to the opportunity to serve you.</image:caption>
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    <lastmod>2025-08-04</lastmod>
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      <image:title>Home - Cash management is often the root of distress—and the key to recovery.</image:title>
      <image:caption>With over 30 years of experience building, managing, and repairing financial systems across diverse industries, I’ve helped organizations navigate everything from fraud and mismanagement to market upheaval. Since 2019, I’ve focused exclusively on turning around distressed companies. Regardless of the cause, financial trouble almost always comes down to cash. If your business is in special assets, nearing bankruptcy, or relying on costly capital, the path forward is clear: move toward a stable, bankable financial foundation. Whether that means restructuring debt, preparing for a sale, or becoming lender-ready, I deliver tailored solutions that restore financial health—across any industry.</image:caption>
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      <image:title>Home - It’s great to meet you.</image:title>
      <image:caption>I’m Debbie Gaffney—and if you're navigating financial challenges, I may be exactly what you're looking for. I have a passion for helping companies and their leaders do business better. I thrive on complexity and challenge, taking a top-down approach: first determining where you want to go, then figuring out the best way to get there. Outside of work, I love the mountains. I'm an avid skier, runner, road cyclist, and lifelong lover of nature. My husband and I raised our three children in Colorado and now live in the mountains west of Boulder. We share our days with two dogs who never let me forget the importance of fresh air and a good trail.</image:caption>
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    <loc>https://gaffneyfinancial.com/contact</loc>
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    <lastmod>2022-02-11</lastmod>
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    <lastmod>2025-11-04</lastmod>
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      <image:title>About Us - “Debbie made an uncomfortable time in our business bearable due to her personality and professionalism.  She took the time to thoroughly understand our business and helped clean up our books in a way that made them easier to work with to get the information we needed out of them.  Together we were able to navigate out of close to bankruptcy situation and turn the business completely around to a 40% EBITDA.  In addition, she provided an excellent buffer with our creditors.  I cannot recommend her services enough.”</image:title>
      <image:caption>— STEVEN L. CEO LeFors Energy Services</image:caption>
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      <image:title>About Us</image:title>
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      <image:title>About Us</image:title>
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  <url>
    <loc>https://gaffneyfinancial.com/erc</loc>
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    <lastmod>2022-05-24</lastmod>
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      <image:title>ERC</image:title>
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    <lastmod>2025-08-04</lastmod>
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