Merchant cash advances
Daily or weekly remittances that take the top off every deposit. We map the factor rate, the holdback and the real annualized cost.
Business debt relief
Protect the operating account.
Small-business debt is different: the business needs cash to keep trading while the obligations get restructured. We start with the next 13 weeks, not the next five years.
Where the pressure comes from
The obligations that do not wait for a good month.
We work with owner-operated businesses on the debt stack that competes with payroll, inventory and rent.
Term loans & lines
Payments that were affordable before a slow season. We look at restructuring, consolidation and lender conversations.
Equipment & vehicle debt
Secured obligations where the asset still earns. We separate productive debt from debt that only survives on new borrowing.
Tax debt
Payroll and sales tax obligations have their own rules and urgency. We help you organize the picture and involve the right tax professional.
Cash-flow gaps
Receivables that arrive late, inventory that sits, seasonality that repeats. We build the forecast before recommending a product.
Vendor terms
Supplier pressure, COD demands and strained relationships. We help you prioritize and negotiate without damaging the supply chain.
Operating firstThe first 90 days
Stabilize, then restructure.
The first job is not a new loan. It is a reliable view of the next 13 weeks: what comes in, what must go out, and which obligations can move without stopping the business.
- A 13-week cash-flow forecast with weekly decision points
- A ranked debt stack: secured, priority, negotiable, and toxic
- A payment plan that protects payroll and critical vendors
- A documented lender and creditor conversation, not a cold call
Options
Match the tool to the problem.
A consolidation loan does not fix a cash-flow problem. A settlement does not protect a critical vendor. We start with the cause.
| Option | When it fits | What to watch |
|---|---|---|
| Debt restructuring | Payments no longer match revenue, but the business is viable | Lender cooperation, new terms, personal guarantees |
| Consolidation | Multiple expensive debts and a stable, predictable cash flow | Fees, term length, secured collateral and total cost |
| Negotiated payoff | A genuine hardship, a lump sum and a willing creditor | Tax on forgiven debt, credit impact, release language |
| Receivables acceleration | The business is profitable on paper but cash is stuck in AR | Customer concentration, discount cost, collection risk |
| Revenue-based financing | A clear growth use case and predictable receipts | Cost, holdback, flexibility and the next payment |
| Bankruptcy / wind-down | No viable path to repay while trading | Legal advice, employee obligations, personal guarantees |
What to bring
The documents that make a real conversation possible.
You do not need a perfect file. You need enough to see the truth.
12 months of financials
P&L and balance sheet, or the cleanest version your bookkeeper can provide. Bank statements for the last three months.
The debt stack
Every lender, balance, payment, rate, collateral and personal guarantee. Include the advances and the merchant processors.
The next 13 weeks
Known receivables, committed payables, payroll dates and the obligations that cannot move.
The operating plan
What you sell, who buys it, what is working and what you would stop doing if you had the choice.
Business credit
Your business card may still be your personal credit.
Many small-business cards and loans report to the owner’s personal credit file, especially in the first years or without a separate business credit profile. That matters when you are restructuring.
Personal guarantees
Most small-business term loans and cards require one. Restructuring the business debt does not automatically release you.
Business credit profile
A separate profile can be built with a registered entity, an EIN, trade lines and timely payments. It takes time and clean records.
Check both files
Pull the personal reports and the business reports. An account may appear on one, the other, or both.
FAQ
Business debt, answered.
Can you help if we are already behind?
Yes. Being behind is the normal reason people call. The first step is a complete picture and a plan for the next payment date.
Will you talk to our lender?
With written authorization, yes. We can prepare the package, make the call and document what was agreed.
Do you provide business loans?
No. We are not a lender. We help you understand and restructure existing obligations, and we help you compare third-party options where appropriate.
How much does it cost?
The first review is free. Any ongoing work is scoped in writing before it starts, with fees disclosed. We do not charge a percentage of debt “saved” without a written agreement.
Is this confidential?
Yes. We treat business financials as confidential and share them only with the professionals you authorize.
Next step
Map the next 13 weeks before the next payment.
A free business debt review: the stack, the forecast and the decisions that cannot wait.