Manage Debt

Business debt is an important part of doing business that every business owner manages. But, having debt isn’t always a bad thing. Debt is all about how you structure it. Our brokers can help you reduce your debt payments and increase your credit score without becoming over-leveraged. We’ll be happy to show you how!

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Financing

Overview

Consolidation Loans

Having multiple loans nearly always means having multiple payments. It can also involve having several creditors, different interest rates, and separate due dates. Juggling them all can result in missed payments, late fees, and even default. When you consolidate your loans, you not only simplify the repayment process, you can reduce what you pay in interest each month. Free up your time and your cash flow by consolidating through our brokers.

If you’ve been making your debt payments on time, your credit score is likely higher than when you first borrowed. In most cases, that means you qualify for a lower interest rate than you did when you applied for the loan. Use the cash you save to reinvest in your business or pay down other debt. Let us show you how to consolidate your high interest loans into one easy low interest loan today.

Refinancing

When your loan payment barely covers interest, paying off a loan can feel like treading water. That’s when it’s time to switch to a new loan with a lower interest rate. Even if you choose to make the same monthly payment, more of what you pay goes to the principal. This means you’ll be free of the debt faster. Let our brokers help you finance into an affordable loan.

Refinancing is often confused with restructuring. But the two terms aren’t the same. Restructuring essentially renegotiates the terms of an existing loan to get a different maturity date or interest rate. You keep the same lender, but change the loan. Refinancing completely replaces the old loan with a new one, typically with a new lender. Whether you want to restructure or refinance, our brokers can show you how. Contact us to lower your monthly debt payments now.

If managing debt isn’t what you’re looking for, try:

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Bad credit doesn’t have to derail your business plans. We’ll show you how to manage your debt wisely to free up working capital and prepare for the future. The sooner you address your credit stress, the more prepared you’ll be to take on anything standing in your way.

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Factoring

Factoring is a fast way to get cash without taking out a loan. A factoring firm buys your accounts receivable so you don’t have to wait months for payment. Get the money you need to take on new orders now and boost your business faster.

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Hard Money

When you’ve spent time building assets in your business, you don’t want to liquidate them for extra cash. Instead of selling your valuable equipment, real estate, or inventory, consider a hard money loan. Get the cash you want without giving up what you’ve earned.

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Financing

Overview

Credit Repair

Having a low credit score isn’t the end of the world, but it can hurt your chances of qualifying for affordable financing. Fortunately, there are several ways you can address credit problems and recover from bad debt. Credit repair isn’t just about paying off loans. You should also be reviewing your credit report regularly to catch any misreported items and dispute them.

Legal difficulties, late payments, low reported income, and changes in personal credit can all affect your business credit score. We’ll help you identify credit pain points and resolve them fast. Know which debt to target first, when to target it, and how to effectively target your debt with the help from our brokers. If you’re getting ready to apply for a loan or just have questions about your business credit, contact us for answers.

Get Approved

Getting ready to apply for a loan can be a stressful process, even if you have stellar credit. Depending on the type of loan you’re looking for, your lender may want years of financial documentation as well as personal information. It’s not always easy to know if you’ll qualify. Our brokers work with lenders every day to make sure the application process is clear and understandable.

If you don’t qualify for the loan you want, we’ll help you identify what to work on for the future. With advice from our knowledgeable brokers, you’ll know how to address the problems holding you back so you’ll qualify for affordable financing in the future. Let us help you get approved by repairing credit, processing documents, reviewing reports, and more. Speak with a broker today.

Lending Overview

Securing debt is one way to build credit for your business. In fact, it’s difficult to get a credit score at all without incurring debt of some kind. To have a good credit score, however, it’s all about how you pay down that debt. Most of us know that making timely debt payments increases a credit score, but how and when you pay off that debt can affect your credit in different ways. For instance, paying off a credit card seems like a good way to boost credit. But, if you close your account, your available credit goes down, reducing your score.

Our brokers help businesses boost their credit every day, managing expenses and keeping the cost of borrowing low. Whether you’re just starting to build your credit or need to get a handle on expenses, we’ll show you quick and simple ways to manage debt. Contact us today.