What Is Business Debt Restructuring?
Business debt restructuring is the process of renegotiating the terms of your existing business debts to make them more manageable. This can involve reducing interest rates, lowering payment amounts, extending repayment periods, settling for less than the full balance, or converting variable-rate debt to fixed-rate obligations.
For businesses burdened by Merchant Cash Advances (MCAs), debt restructuring is particularly impactful because MCA payments are typically very aggressive — daily or weekly withdrawals that don't adjust to changes in your revenue. Restructuring these obligations can immediately improve cash flow and business viability.
Types of Business Debt We Help Restructure
Merchant Cash Advances
MCA restructuring is our specialty. We reduce daily/weekly payment obligations, settle balances, and eliminate UCC liens.
Business Lines of Credit
High-interest business lines of credit can often be restructured to lower rates and more manageable monthly payments.
Revenue-Based Financing
Similar to MCAs, revenue-based financing agreements can often be renegotiated through the same legal strategies.
Multiple Stacked Debt
When you have multiple types of debt from multiple lenders, a coordinated restructuring strategy addresses all of them together.
Benefits of Business Debt Restructuring
- Immediate reduction in daily and weekly cash outflows
- Protection from aggressive collection actions and lawsuits
- Preservation of business operations and jobs
- Improved ability to access new, better-quality financing after restructuring
- Removal of UCC liens that block traditional bank financing
- Personal liability protection through proper legal structuring
- Peace of mind and reduced business owner stress
Small Business Debt Relief: Is Restructuring Right for You?
Business debt restructuring is generally the right choice when your business is fundamentally viable — meaning your products or services have market demand and your core operations are profitable — but your debt service obligations are making it impossible to operate properly.
If your business was profitable before you took MCAs, and the MCA payments themselves are the core problem, restructuring is almost certainly the right path. You're not a failing business — you're a good business trapped under bad debt.
500+
Business owners helped
45%
Average payment reduction
24–72hr
Time to stop withdrawals