Debt Restructuring

As your business grows you may find yourself with old, high-interest-rate loans or a number of assets leveraged for funds across too many categories. Our network can help you restructure debt through loan consolidation, refinancing, and credit repair to lower your loan costs. Let us help you reduce your costs and boost your monthly cash flow today.


Consolidation Loans

Simplify your finances

Instead of paying on multiple debts every month, consolidating your loans bundles all your financing into one simple payment. Consolidation also helps lower your interest rate, as the new rate is approximately an average of the previous rates. With improved revenues, you can reduce your interest rate or shorten the debt term to reduce your total cost of money.
SBA loans

Federally Backed Low-Interest Loans

SBA-backed loans can save you money. Whether you are seeking to refinance loans with unreasonable terms, consolidate multiple loans. You’ll pay a 10% down payment on the new loan and can apply funds to refinance credit card debts, business lines of credit, commercial real estate loans, and even other SBA loans.
Financial Positioning

Look great to lenders

Our team’s deep knowledge in loan applications and approval criteria can help you strengthen your financial position in relation to lending institutions. Partner with us to lower your monthly payments, refinance high-interest debt, eliminate current loans, and boost your credit score. With our help, your business can access amazing interest rates and terms.
Credit Repair

Take the steps to financial health

A low credit score can hold your business back. Even a truly successful business can find it hard to qualify for loans, obtain low interest rates, or purchase assets with a poor score. However, our team can help you enhance your score through an easy-to-execute plan.


Working with our tools to reduce your monthly costs generates many benefits. With our help, you can:

Boost your monthly cash on hand

Review and spot previously unknown financial issues

Restore a damaged credit score

Gain eligibility for lower interest rates

We’ve given a few examples of the most popular types of loans that bring cash into your business quickly.

There is always more to learn.

Is refinancing different from debt consolidation?
Although both tools can help lower your monthly interest rates, consolidation actually involves the combination of multiple loans. Refinancing simply replaces one debt with a more efficient one.
How does consolidation benefit my firm?
Consolidation acts as a way to average out the interest rates of multiple loans. The new rate usually results in a cost savings to your firm, and our network can help you take advantage of even lower interest rates.
Will debt consolidation hurt my credit score?
Because lenders execute hard inquiries when reviewing credit scores, debt consolidation will cause a temporary dip in your score. The act of consolidation also restarts the timer for account age, and technically adds a new account to your credit. Again, all of these things are usually temporary, and the positive impacts of consolidation will boost your score in a short amount of time.
Is it safe to execute credit repair tactics?
Yes. Our network is composed of partners who have undergone a strong vetting process, ensuring that your lenders are licensed, compliant with national and local regulation, and are trustworthy. We don’t work with fly-by-night operations or unqualified firms. Additionally, if a financial path is not the right one for your team, we’ll inform you. Our goal is a transparent process in which we work to make sure you are satisfied and that all your questions are answered thoroughly.
Can the SBA help me consolidate my debts?
Yes. You can consolidate your debts via the SBA 7(a) Loan Program.

Here's How To Get Started

Complete a Short Questionnaire

The information you provide will help us begin creating a plan for where you want to go.  As we learn more about you, we’ll customize and adapt our solutions for your true needs.

Have an In-Depth Conversation with our Team

After reviewing the information, we’ll set up a conversation to understand your business more thoroughly.  With the full picture of you and your business, we will work with our network to generate offers and showcase the best solutions to you. 

Submit an Application

Our team will answer any questions you may have to this point.  When you are content with the answers and information, we’ll help navigate you through the loan application process. Take Advantage of Continual Support. Things change.  We get it. Our lending professionals and brokers will stand by to provide further advice or answer questions as needed, even after the initial application is complete. 

What is the working capital ratio?

If you don’t have enough money to pay employees and keep the lights on, then the value of your long-term assets matters very little. That money, used for almost all daily expenses is referred to as working capital. Most businesses try to maintain a working capital ratio between 1.5 and 2.0. If you’re not sure what your ratio is, simply divide your firm’s annual liquid assets by its annual short-term expenses. The result is your working capital ratio.

Is working capital financing right for my firm?

If you are looking to make a large investment or a long-term purchase, it is usually better to focus on certain tools (like a real-estate loan).  Working capital loans are usually better for short-term situations and boosting operational cash. If you are not in a rush for funds, other financing tools may be better for you, as working capital financing often comes with higher interest rates.

Will a factor impact my client relationships?
While not all factors interact with your clients in the same way, most clients won’t notice when you use a factor. In most situations, a simple notice of where to send payment is the only contact the client receives.
Are Hard Money Loans a safe option?
When you work with our network, you can rest assured that each lender has been thoroughly vetted, is licensed, and bears a reputation for integrity. All of our partners adhere to local and national laws and policies and meet established standards for credibility and trustworthiness. Additionally, if a Hard Money Loan is not the right tool for your business, our partners will tell you upfront and help you find a more appropriate financial solution. We are transparent with our terms and conditions and will answer any questions your team has. We want your business to feel safe and comfortable in its decision to work with us.