Behind on business loans, lines of credit, SBA, or MCA — with creditors calling and payments you can't sustain — we sit across the table from your lenders and get a real resolution. Settlements. Restructuring. Legal backup when needed.
A business with $1M+ in debt rarely has just one type of loan. We handle the full stack — every creditor, every loan type, coordinated strategy across all of them.
We negotiate with lenders to reduce the total balance owed on business term loans — often settling for significantly less than what's outstanding. Even after judgment has been entered.
Business lines of credit in default or over-limit need immediate strategy. We negotiate reduced payoffs or restructured terms before lenders escalate to legal action.
SBA defaults are serious — the government is a creditor. We structure workout plans and negotiate with both the lender and the SBA to protect your business and personal assets.
Stacked merchant cash advances with daily debits destroying your cash flow? We negotiate settlements and modifications with MCA funders — including those with active legal action.
When settlement isn't the right move, restructuring is. We renegotiate payment terms across multiple creditors so your total monthly obligation is something your business can sustain.
Creditors with active lawsuits or existing judgments don't scare us. Our attorneys engage directly — and when legal resources are needed, there is an additional fee, but significantly more affordable than retaining outside counsel on your own.
Anonymized results from actual cases. No inflated numbers. No invented credentials.
Here's exactly what the process looks like when you work with us.
You walk us through your debt situation — every loan, every creditor, where things stand with each. No judgment. We give you an honest read on your options before anything else.
We review your loan agreements, creditor positions, and legal exposure. We identify what can be settled, what should be restructured, and where legal intervention adds the most leverage. Every strategy is built for your specific debt mix.
We engage your lenders directly — individually, with a coordinated strategy across all of them. We handle the calls, the paperwork, the offers, the counteroffers, and the legal filings when needed. You run your business. We handle your creditors.
Settled accounts, restructured payments, documented agreements. A total monthly obligation your business can handle going forward. We stay with every creditor until the case is fully resolved — not just the easy ones.
Every number below is real. No inflated claims. No borrowed credibility.
Total business debt negotiated, settled, and restructured across thousands of cases nationwide.
Term loans, lines of credit, SBA, MCA, and business credit cards — across every major lender and funding source.
Legal and financial strategy coordinated under one roof — no handoffs, no gaps, no separate retainer required for most cases.
We work with business owners coast to coast. Where your lender is doesn't limit what we can do.
We work with business owners across a range of situations — from early payment struggles to active legal action.
Missed payments on term loans or lines of credit. We step in before lenders escalate and build a strategy to get you current or restructured.
Daily debits from multiple MCA funders draining your cash flow. We negotiate settlements and modifications to stop the bleeding and restore breathing room.
SBA defaults put both your business and personal assets at risk. We structure workout plans and negotiate with the lender and SBA simultaneously.
Creditors who have already filed suit aren't out of reach for negotiation. Our attorneys engage directly and coordinate legal and financial strategy together.
A judgment doesn't end your options. We've settled cases significantly post-judgment — creditors still prefer resolution over a long collection battle.
You're still making payments but it's unsustainable. The right time to restructure is before you default — not after. We can help you get ahead of it.
Financial difficulty is a situation, not a personal failure. We treat every business owner accordingly.
We tell you what's realistic, what carries risk, and what path makes sense for your specific situation — even when it's not what you want to hear.
You understand your options, timelines, and consequences before we do anything. No surprises, no fine print, no hidden fees.
Every case is built around your numbers, your lenders, and your legal posture. We don't run the same play twice.
Delays increase pressure and reduce leverage. We move decisively and keep cases moving forward from day one.
When legal issues are involved, our in-house attorneys keep strategy and legal execution aligned — no separate firm, no communication gaps.
Business debt problems don't make you a bad business owner. They make you someone who needs the right strategy. That's what we provide.
Straight answers. No runaround.
Everything is confidential. We'll give you an honest assessment of your options — no sales pitch, no pressure. Just a real conversation about what's possible.