Business Debt Restructuring
If your business has too many loans pulling money out every day, we can combine them into one weekly payment. The lenders agree to it. You stop trying to keep track of six different payment schedules.
This is not a new loan and it is not debt consolidation through refinancing. We do not lend, and we do not put the business deeper into debt. We work with your existing lenders to change the terms on what you already owe.
Most engagements close in 45 to 90 days. The business keeps operating throughout.
Engagement structure
| Phase | Duration | Fee |
|---|---|---|
| Free review | 30 min + 5 day analysis | No fee |
| Restructuring plan | Written, with target weekly amount | No fee |
| Lender negotiations | 45-90 days | Engagement fee |
| New schedule activation | As agreements close | Included |
Engagement scope confirmed at intake.
What this addresses
- 01Three or more loans or advances all pulling from the same account
- 02Daily debits and weekly payments adding up to more than the business can really afford
- 03Stacked MCAs where nobody has done the math on the true cost
- 04Equipment leases and bank facilities sized for a different time in the business
- 05Owners who want one weekly payment they can plan around
Methodology
- 01
Full debt list
Every loan, advance, lease, and unpaid bill goes into one list. Lender names, balances, payment amounts, and what kind of leverage each one has.
- 02
Target weekly payment
We figure out the most you can pay creditors each week and still cover payroll, rent, and taxes. That target is what every lender negotiation works toward.
- 03
Lender by lender
Each creditor is approached in the right order. Lenders with the most leverage first, slower-moving creditors later. We ask for term extensions, payment cuts, or settlements based on what each one is likely to accept.
- 04
One schedule activates
As agreements close, your daily debits and multiple payments are replaced with one weekly schedule. We watch the first 90 days to make sure everything is running as agreed.
Deliverables
- One complete debt list with every active loan and advance
- Target weekly payment supported by your real cash flow
- Written agreements with every lender that participates
- One consolidated payment schedule across all restructured debts
- Monitoring for the first 90 days after activation
Debt instruments covered
- Merchant Cash Advance (MCA)
- Daily debits get replaced with weekly payments. If you have been overcharged, we ask for a refund. Some advances settle outright.
- Equipment finance and leases
- Payments get lowered or terms get extended. If equipment is no longer earning, we can return it and settle the rest.
- Vendors and suppliers
- Old unpaid balances go into the new weekly schedule. New orders move to cash on delivery where it makes sense.
- Bank loans and lines of credit
- Term loans get rewritten. Lines of credit get extended or right-sized. Rule violations get waived when the bank sees a real plan.
- IRS and state tax
- Past-due balances fit into the new schedule through a formal installment agreement, set up with a tax professional.
Common engagements
Construction contractor with 5 creditors
Three MCAs, an equipment portfolio, and a bank line. Weekly outflow was $11,200 spread across six payment cycles. After 72 days, the schedule consolidated to a single weekly payment of $6,400, with two MCAs settled along the way.
HVAC company after a slow year
Stacked working capital taken during a year that did not produce the expected revenue. Four lenders restructured into one weekly schedule that matched actual margin. The bank extended the line, and one MCA settled.
Independent pharmacy with vendor and MCA mix
Wholesaler arrears plus two MCAs. The wholesaler moved to cash plus weekly arrears, and both MCAs restructured to weekly schedules. Total weekly outflow dropped by 38 percent.
Frequently asked
- Is restructuring the same as a consolidation loan?
- No. A consolidation loan is a new loan that pays off old loans. Restructuring renegotiates the terms of what you already owe. We do not lend and we do not refinance.
- Will all my creditors agree to this?
- Each lender is negotiated separately. Most participate when the documentation is solid. If a lender refuses, we work the rest of the plan around that one, and the business keeps its existing schedule with the holdout.
- How long does it take?
- Most restructurings close in 45 to 90 days. Complex cases with 5 or more lenders, multi-entity structures, or pending lawsuits can take longer. We tell you the realistic timeline at intake.
- Do I keep paying creditors while you negotiate?
- Yes. The business continues to meet its obligations as it has been while we negotiate the new terms. We do not advise stopping payments to force lenders to the table.
- Will this hurt my personal credit?
- Most business debts (MCAs, equipment leases, vendor balances) do not report to personal credit bureaus. Bank loans and lines that do report are handled with that exposure in mind.
- What happens to my personal guaranty?
- When a lender restructures rather than settles, the personal guaranty usually stays in place under the new terms. When a lender settles, we negotiate release language for the guaranty as part of the agreement.
Adjacent practice areas
Creditor Communication Management
We become the point of contact for your creditors. Daily calls and emails stop. You get back to running the business while we manage every conversation.
Open service →02Strategic Debt Relief Planning
Before any creditor talks, you need a plan. We build a written plan showing which debts get paid, which get discounted, and on what timeline.
Open service →04Alternative to Bankruptcy
Restructure stacked business debt without filing. Keep operating, keep your equipment, keep the entity. We give an honest assessment before any engagement.
Open service →Schedule an initial review.
Initial reviews are scoped to thirty minutes. The discussion is confidential and the review itself carries no fee.