Debt Restructuring

Is high-interest debt sapping your business’s growth potential? It’s time to lower your monthly expenses and build credit at the same time. Our professional brokers can help you eliminate pain points in your budget and position you for better financing in the future.

Debt Restructuring

Is high-interest debt sapping your business’s growth potential? It’s time to lower your monthly expenses and build credit at the same time. Our professional brokers can help you eliminate pain points in your budget and position you for better financing in the future.
Debt restructuring focuses on improving cash flow and credit position rather than simply paying balances down. In some cases, closing accounts or paying off loans too quickly can negatively affect credit metrics. Restructuring may involve refinancing existing debt into lower cost or longer term options to reduce monthly obligations. A structured approach can stabilize finances and improve future borrowing conditions. The options below outline common strategies businesses use to realign existing debt.

Consolidation Loans

Juggling multiple loan payments to multiple lenders can be a headache. You have to keep track of separate due dates, interest rates, and fees all while making sure your budget is balanced. Eliminate the hassle and consolidate your loans into one. You’ll make one simple payment each month, freeing up your time to do the tasks you enjoy. Consolidating can save your business money by reducing your interest rate and eliminating late fees for missed payments. It’s easy to consolidate your loans when you use a professional broker. We do business with lenders every day so we can offer you superior terms to what you might find searching on your own with online lenders. We’ll work with you and listen to your business goals. Then, we’ll show you a range of consolidation options that you can choose from. Don’t waste your time shopping around when you can have a broker take care of the details.

Refinancing

Your business isn’t the same as it was five or ten years ago. So why is your loan? When you’ve worked hard to raise your credit score, it’s time you found a loan that rewards you. Refinancing replaces your old high-interest loan with a lower-interest alternative, freeing up capital you can apply to growth elsewhere in your business. Don’t be stuck paying more than you need to every month. Our brokers will help you analyze your overall debt landscape, finding places your cash flow is being squeezed the most. Then, we’ll show you how to shift your debt and lighten your liabilities. Refinancing is only one way our brokers can help improve cash flow and reduce overhead. Contact us to learn more today.
STEP 1

Contact our brokers to help you land the best financing for your needs.

STEP 2

Choose your financing from a range of affordable options.

STEP 3

Position your application for success when you work with a broker.

Credit Repair

If you’re having trouble finding the financing you need for real estate, equipment, or construction, the problem could be your credit. Credit repair goes beyond just eliminating debt. You can scour your credit report of misinformation and inaccurate payment records, restructure your existing debt to get a better rate, and add trade references to show your reliability. Enhancing your credit score puts your business in a better position the next time you need to secure financing. We’ll show you tips and tricks that improve the way you look to lenders and help you save money. Get in touch with a broker who can show you options for improving your overall credit picture.

Improve Chances of Approval

Raising your credit score and repairing your credit history is one way to show lenders you can be trusted to pay back a loan, but it’s not the only way to ensure your loan application gets approved. Did you know most loans get delayed or denied because of an incomplete application? That has nothing to do with how hard the business has been in operation, the owner’s personal finances, or any credit issues. If your loan application is incomplete, it can take weeks to go back and forth with your lender to fill in the missing pieces. Some lenders will just deny the loan instead. Our brokers help businesses apply for financing every day, so we know what lenders look for. Let us put our experience to work for you.

Alternatives

If debt restructuring isn’t what you’re looking for, check out better options.

Factoring

Businesses that use accounts receivable to bill their customers and clients can get cash from their unpaid accounts. Factoring lets you sell your AR and get the cash you count on now. Then, the factoring company handles collecting from the customer. Move your business forward faster with financing that won’t add debt to your balance sheet.

Hard Money

Hard money loans are a short-term loan option that lets you access capital when you don’t have time to wait on a traditional bank loan. Hard money lenders don’t rely on your credit score to determine whether you’re approved. Instead, they look at the value of the assets you use to secure the loan.

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Do you have questions about financing your business? With so many options, it's hard to know when you are getting clear information. We are happy to help you navigate the financing process and to provide you the information you need to step confidently forward into quality financing.