Strategic Debt Relief Planning
Before anyone signs a deal with a creditor, you need a plan. We build it.
We look at every loan and every cost in your business. We figure out what the business can really afford each week. Then we lay out the best path forward: who gets paid in full, who gets a discount, who gets more time, and in what order.
The plan is yours in writing before any creditor work begins. You see the trade-offs and you decide what to do. If you do not move forward with us, you keep the plan.
Engagement structure
| Phase | Duration | Fee |
|---|---|---|
| Free review | 30 min + 5 day analysis | No fee |
| Written plan delivery | 2-3 weeks | Flat fee |
| Decision call | 60 min walkthrough | Included |
| Hand-off | Plan is yours | Included |
Engagement scope confirmed at intake.
What this addresses
- 01Owners who know they are in trouble but do not have a clear plan to fix it
- 02Businesses with 3 or more lenders pulling money out of the same account
- 03Cases where the owner is paying creditors but missing payroll, taxes, or rent
- 04Situations where one or two creditors have been paid in full while others have not been paid at all
- 05Operators who want to see the math before signing any agreement
Methodology
- 01
Money in and out
We collect 90 days of bank statements and reconstruct exactly how much money is coming in each week and where every dollar is going. Most owners are surprised by what this shows.
- 02
Affordable weekly payment
We figure out the most the business can actually pay creditors each week without missing payroll, rent, fuel, or tax deposits. This is the number every plan is built around.
- 03
Creditor priority
Some lenders can hurt the business fast (a confession of judgment can freeze the bank account in a day). Others move slowly. We rank every creditor by how much damage they can do, and sequence the plan around that.
- 04
Trade-off menu
We present the options. Pay this lender in full and settle two others. Restructure all four into a single payment. Surrender the equipment lease and settle the deficiency. You see the trade-offs and pick the path.
Deliverables
- Verified weekly cash picture for the business
- Maximum affordable weekly payment to creditors
- Creditor ranking by how fast each can take action
- Written plan showing exactly which lender gets what, and when
- Estimated total savings if the plan is executed in full
Debt instruments covered
- Merchant Cash Advance (MCA)
- MCAs that overcharged or never reconciled may be eligible for refunds or settlement at a discount. We model both into the plan.
- Equipment finance and leases
- We compare keeping the equipment, returning it, or buying it out at a discount, and put the best option in the plan.
- Vendors and suppliers
- We separate suppliers you must keep from suppliers you do not, and plan a different approach for each group.
- Bank loans and lines of credit
- We model whether a forbearance, modification, or refinance is realistic, and what the bank is likely to accept.
- IRS and state tax
- Tax balances go into the plan with a recommended installment agreement or offer in compromise, coordinated with a tax professional.
Common engagements
Construction contractor, 6 creditors
The plan showed that paying two MCAs in full would not solve anything. The recommended path settled three at a discount, restructured the bank loan, and kept the supplier relationship intact. The owner saw the math before any creditor was called.
Independent pharmacy with stacked working capital
Three short-term advances and a wholesaler balance. The plan ranked the wholesaler first (essential for inventory) and the advances last (slow recourse). The owner approved the plan in one meeting.
Trucking owner with mixed lien position
Two MCAs, an equipment lease, and a factor relationship. The plan kept the factor (cash flow source), surrendered one truck, and settled both MCAs from the equipment sale proceeds.
Frequently asked
- What if I do not like the plan you build?
- You keep it. There is no obligation to move forward with us after the plan is delivered. Many clients use the plan as a second opinion before working with another advisor or an attorney.
- How long does the planning take?
- Most plans are delivered 2 to 3 weeks after intake. Complex cases with multi-entity structures, unfiled taxes, or pending lawsuits may take longer. We tell you the timeline at intake.
- Do you need access to my bank account?
- We need 90 days of bank statements (PDF download or screenshot). We do not need login credentials and we do not touch the operating account.
- Is this the same as bankruptcy planning?
- No. Bankruptcy planning is done by an attorney and ends in a court filing. This is out-of-court planning that aims to avoid bankruptcy. If filing is the right answer for you, we will say so and recommend an attorney.
- What does the plan look like?
- A 6 to 12 page written document. Plain language, no jargon. Front page: the recommended path. Middle: the math behind it. Back: the timeline and what we do next if you decide to move forward.
- How much does it cost?
- Flat fee, quoted in writing after intake. The fee depends on how many creditors are involved and how complex the case is. There are no contingency or success fees.
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 →03Business Debt Restructuring
Combine stacked business loans and advances into a single manageable weekly payment. No new loans. We renegotiate the existing agreements with the existing lenders.
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.