Debt restructuring

Bad credit can stop you from getting the financing you need for real estate, equipment, and working capital.

We work with businesses to repair bad credit and qualify for low-interest rate loans.

If you can’t get the financing you need at the rates you want, your credit score could be to blame. For new businesses, establishing good credit can take time. Businesses that have been around for years sometimes run into financial trouble that takes a toll on credit scores. No matter your business situation, we have the knowledge and tools to help you improve your credit so you can get reduced-rate loans.

We work with businesses to pinpoint problem areas and prioritize payments that improve credit faster. Getting out of debt is just one way to manage credit, but paying down the right debts at the right time is key. Reduce the cost of borrowing when you talk to a qualified broker today.

Consolidation loans

Having multiple debts usually means you have multiple payment dates, amounts, and interest rates to keep track of. Paying them all down at once is a drain on the budget and a headache for your accounting team. Why not combine them all to get one low rate and one monthly due date?

A consolidation loan puts all of your debts under one roof so you can simplify your repayment plan. The new loan can give you a lower interest rate and a fast track to freedom. Put more of your income back into the business instead of sending it off to your creditors.

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Refinancing

As your business grows, your financing should grow with it. Outdated debt can drag you down, sapping funds that could otherwise be put to good use. The loans you qualified for as a new business often have higher interest rates than what you qualify for with established credit. That’s why it’s smart to update that interest rate by refinancing.

Refinancing and restructuring are two terms that are often confused. Restructuring is negotiating for better terms on an existing loan. When you refinance, you’re replacing one loan with a newer, more cost-effective loan. Get your refinancing questions answered by our experienced brokers today.

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Credit repair

It takes hard work to run a small business, and it’s not always easy to keep up with expenses. If past mistakes have damaged your credit, you could have difficulty getting financing, attracting investors, and satisfying stakeholders. That’s why we want to help you repair your credit and improve your financial future.

We start by listening. Where do you want to take your business moving forward? How will the right financing help you make it happen? Then, we’ll identify the most effective ways to address your credit problems and help you develop an action plan that puts your best foot forward.

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Position for approval

Lenders look at several factors when deciding whether or not to approve a business loan. One of them is your credit score, but that’s not the only one weighing into the decision. If you need financing, you need to position your business as a safe bet. Not only can you improve your chances of getting the loan, but you can also qualify for the best rates.

Since dealing with lenders is our business, we know how to make your business look good. If you’re expecting to secure financing in the near future, meet with our experts to help you identify areas of improvement. Then, we’ll help you find the right lender for the loan you want.

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Qualify for lower interest rates.

Open up more financing options.

Attract investors.

Reduce the cost of borrowing.

Q. How can paying off debt hurt my credit score?

Paying off debt and then closing your account affects your available credit, the average age of your accounts, and your credit utilization. While it’s a good idea to keep debts low, paying down your balances strategically can help raise your score. Ask us about the best ways to improve your business’s credit.

Q. Do business lenders care about my personal credit score?

The answer depends on the lender and the type of loan you’re looking for. Many types of loans do require your personal score as well as your business credit score to apply. Other types of financing don’t require a credit check at all, even for your business. If your credit score needs repair, we can help you find the right financing to help you get back on your feet.

Q. What’s the difference between refinancing and consolidation?

Refinancing typically involves replacing only one loan, while consolidation replaces multiple loans. In both cases, the new loan should have a lower interest rate and more favorable terms than the originals.

Q. How does refinancing impact my credit score?

Paying off your old loan generally reflects well on your credit score. When you refinance for a better rate, it’s easier to pay down debt faster, which also improves your score. If your application for a new loan requires a hard inquiry, it can temporarily lower your score. But the benefits far outweigh this temporary disadvantage.

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