Debt Management & Refinancing

Loans can offer solutions for a wide range of financial applications, but they come at a price. If you’re locked into a high-interest loan, we’ll show you how to reduce your monthly payments and manage your cost of capital.

As markets fluctuate, so do interest rates. What may have been a great deal years ago may not be competitive with today’s prices. Lenders need borrowers. Lenders offer incentives like low-interest rates, credit accounts, and retail discounts to bring those borrowers in. You can take advantage of these current deals by refinancing your old high-interest loan. The new, lower-interest loan goes to pay off the old loan, reducing your monthly payments and improving your credit.
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If you’ve been turned down for financing in the past, we’ll help you take a look at your credit history. We know what lenders want and can teach you how to repair your credit to attract lenders. The better your credit score, the more you’ll qualify for great rates. We have the tools and techniques to turn your credit around.

Solutions

Whether it’s real estate, equipment, working capital, construction, or refinancing you need, we have a range of solutions for any business. Contact us today to take the first steps into a new future.
Consolidation Loans

Consolidations aren’t just for student loans and homeowner debt. Small businesses can take advantage of debt consolidation too. If your business has debt accounts from multiple lenders, simplify your accounting and payments by consolidating. Combine all of your debts under one roof. Reduce your monthly payments, pay just one interest rate, and have your questions answered by one company. Consolidation can also reduce the amount of principal you owe so you can get debt-free faster. Payment of the old debt by the consolidation loan can improve your business credit. Take the extra cash you save each month and reinvest it to boost your business.

Positioning Your Business for the Best Rates

Whether you’re looking to borrow in the future or want to refinance today, we can help you position your business to get the best deals on new financing. As a result, you’ll become more attractive to lenders and garner great rates. There are several tools in our arsenal that we’ll share with you. Paying down debt, converting short to long-term financing, and addressing credit problems are just a few. In addition, we’ll work with you to target problem areas with proven and effective techniques to boost your credit. Our office is a judgment-free zone. No matter your credit score, we’ll treat you with the respect you deserve.

SBA Loans

The U.S. Small Business Administration offers debt refinancing to for-profit small businesses operating domestically. If your business has $15M or less in net worth and $5M or less in net annual income, you may qualify for SBA refinancing. Both the SBA 7(a) and the SBA 504 loans can be used to refinance small business debt, depending on your circumstances. There are some restrictions on SBA loans, and the application process can be challenging. Our professional brokers help small businesses like yours navigate the process every day. We’ll make it smooth and painless so you can lower your debt fast.

Credit Repair Activities

Having a high credit score opens up financial possibilities for your small business. The better your credit, the higher your chances of being approved for low-interest loans. If your credit isn’t what you want it to be, let us help you identify the problems and deliver solutions. The first stage is to examine your credit report from the three bureaus. Credit bureaus don’t always have correct and up-to-date information, which means you might have problems you don’t know about. Once any discrepancies have been fixed, we’ll help you find any remaining problem areas. You can recover from bad credit with clear and simple guidance from our professional team.

Advantages

Simplify your repayment structure and restructure your monthly costs with a range of tools that help your business move ahead.

Get better interest rates

Shift short-term, high-risk to medium or long-term financing to reduce your rate.

Improve your chances of being approved

Manage your quick ratio to open up capital opportunities.

Learn to control your credit

Increase financial acuity and develop an eye for what lenders are looking for.

Lower your monthly bills

Change the time horizon for your financing and reduce monthly spending.

Lender Network

In Available Funds

Fast Approval

Every business owner wants to save money, but not everyone has the perspective of a broker. We’re uniquely positioned to teach you the tips and tricks that attract the best deals from local and national lenders. Our job is to research the most effective financial solutions to reduce the cost of borrowing.

Multiple Paths to Funding
Access capital as you grow
Expedient access to funds

F.A.Q.s

Can you get a business loan with bad credit?
Yes, there are forms of financing available that rely on your client’s creditworthiness or the value of your business’s hard assets instead of your credit score. However, the better your score, the easier it is to get approved for low-interest-rate loans.
When is a good time to refinance?
Refinancing works for many different scenarios. You may benefit from refinancing if your business has improved its credit, reduced its debt-to-income ratio, or wants to repay a loan without incurring early payment penalties.
Can an SBA loan be used for working capital?
Yes, the SBA 7(a) loan lets you use the funds for working capital. These loans are subject to the Administration’s restrictions but are also regulated to keep interest rates low.
What’s the difference between debt consolidation and debt restructuring?
Consolidation takes several loans from different lenders and puts them all under one roof. Restructuring is more like a negotiation with your current lender for a better rate or a longer term to avoid bankruptcy.
Speak with one of our brokers today to find out which loan is right for you
We won’t stop searching until you find exactly what you need.