Business Loans, Financing and Business Debt Restructuring!

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Business Loans, Financing and Business Debt Restructuring

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Business Loan and Business Financing Debt Settlement Plan

Business Debt Restucturing

For businesses that are experiencing financial hardship, a business debt restructuring plan may be their best or only viable option. Some of the benefits of restructuring include:

Increase Your Cash Flow
Oftentimes, short-term debt can be converted into a manageable long term plan.

Improve Your Quality of Life
Let a professional debt negotiator deal with creditors, collection agencies and attorneys so that you can get back to doing what's important to you—creating revenue, not hiding from creditors.

Avoid Unnecessary Legal Fees
Oftentimes, debts can be settled without the need for attorneys.

Fixed and Affordable Payments
Cash outlay can be forecast and thus managed better.

You should note that if more than 30% of your account payables are over 90 days old, you're taking chances with the future of your company unless you have a logical plan to satisfy your creditors. Without an affordable and practical plan your company can sink deeper into debt, and it may only be a matter of time before creditors seize your assets and put you out of business.

The SBA reports that approximately 40,000 businesses a month close their doors or file for bankruptcy. Unfortunately, these companies didn't have a solid and proven plan to get out of debt.

Commercial Debt Counseling is dedicated to helping businesses struggling from the pressures of debt succeed to achieve financial stability and success. While Consumer Credit Counseling (CCC) exists for individuals, Commercial Debt Consolidation exists for struggling businesses to help them avoid bankruptcy and to create repayment programs with their creditors that fit within the budget of the business. If your business is struggling with debt, Click Here for a Free Business Debt Consultation.FREE Business Debt Consultation

Types of Business Loans

Below is a list of various types of business loans. Each listing provides a brief description of the loan, what is typically required to get the loan and who should apply.

Asset Based Lending

Asset Based Lending is a method of financing using collateral to back the loan. Funding ranges from $400,000 to $20 million. You can use almost any type of unencumbered asset as loan collateral.

What Is Needed
Collateral is required to secure the loan. Examples include:

  • Real estate
  • Accounts receivable
  • Inventory
  • Equipment

Who Should Apply
Companies in the business of manufacturing, distribution, service provisioning or any type of company in any industry, with annual revenues from $2 million to $150 million.

Purchase Order Funding

Purchase Order Funding is a method of financing that can be used when a company receives a purchase order from a credit worthy customer and that order exceeds the company's credit line. It is geared toward the completion of a transaction.

Funding decisions are based on a company's ability to meet their customer's requirements and on their customer's financial quality and terms of payment

What Is Needed
Purchase orders and projects requiring funding for costs, such as, raw materials, deposits, components, sub-assemblies, project-specific labor, finished goods, overhead, direct manufacturing, shipping, service contracts, capital equipment, letters of credit, letters of guarantee and more.

Who Should Apply
Companies with purchase order contracts or projects ranging in size from $200,000 to $1,000,000 and seldom have a gross profit margin of less than 25%.

Equipment Leasing / Leaseback

Equipment Leasing or Leaseback is a method of financing that allow businesses to get the equipment they need to get the job done, without putting a strain on their finances. Leasing and financing options are available on most types of equipment.

Lease terms and structures vary with up to 100% financing. End of lease options typically include ownership. Financing is available up to $100,000.

What Is Needed
Business equipment, machinery, vehicles, computer systems, installation and maintenance services, etc, that are needed and require financing.

Who Should Apply
Companies needing the following; computer hardware and software, phone systems, machinery, vehicles, manufacturing and construction equipment, printing equipment, distribution equipment, trailers and more.

Secured Loan

A secured loan is granted by the creditor by obtaining an interest in specific property (collateral) of the debtor. If the debtor defaults on the loan, the creditor can recoup the money by seizing and liquidating the specific property used for collateral on the debt. For startup businesses, lenders will usually require that both long and short-term loans be secured with adequate collateral.

Because the value of pledged collateral is critical to a secured lender, loan conditions and covenants, such as insurance coverage, are always required of a borrower. You can also expect a lender to minimize its risk by conservatively valuing your collateral and by loaning only a percentage of its appraised value.

What Is Needed

  • Must have a 630 minimum credit score from guarantor.
  • Must have established personal credit lines.
  • Cannot be overextended
  • No excessive credit report inquiries.
  • No bankruptcies, tax liens, collections, judgments, charge-offs, or repo's.

Who Should Apply
Businesses that have at least a 1-year history and reside in the continental U.S.A.

Unsecured Loan

An unsecured loan is specifically designed for start up or new companies. Loan terms, rates and funding amounts vary considerably.

What Is Needed
A 680 minimum personal credit score and have 5 current personal credit lines. The oldest personal credit line must be 5 years or longer and you must have $100,000 in combined credit history established on your credit report. You cannot be overextended and must not have excessive inquires. Your should have no bankruptcies, tax liens, collections, judgment, charge-offs, or repo's.

Who Should Apply
Any Business Owner that can meet the criteria listed above.


Factoring is a method of financing in which you sell your Accounts Receivable at a discount to another company. The factoring company advances money to you and is, then responsible for collections.

There are two primary types of factoring, recourse and non-recourse. Recourse is when the client absorbs the risk of non-payment by the buyer. In the event of buyer default, the factors client is responsible for repayment. Non-recourse factoring is when the factor takes the credit risk of the buyer. If the buyer becomes insolvent after the receivables are purchased, the factor absorbs the loss, not the client.

What Is Needed
In most cases your company should have revenues from $1 million to $200 million and a commercial accounts receivable. Your Company can not have any judgments and liens against it. If you have the desire to have cash flow when you need it and do not want to rely on payments from your clients in order to meet your business needs, factoring may be right for your needs.

Who Should Apply

  • Companies Needing Immediate Access to Cash
  • High Growth and Undercapitalized Companies
  • Companies with Turnaround Situations
  • Seasonal Businesses

Venture Capital

Venture Capital provides funds required by a business to get established or to grow their business. Funding sources and loan types come in many forms. These include:

  • Seed Funding
  • R&D Funding
  • Website Funding
  • Bridge Funding
  • Hard Money Loan
  • Bond Underwriting
  • Stock Portfolio Loan
  • Mezzanine Funding
  • Accounts Receivable Funding
  • 1st and 2nd Stage Funding
  • Letter of Credit

Line of Credit

A Line of Credit is a commitment, by a bank or other lender, to lend money to a person or business entity up to a maximum amount during a stated period. A line of credit is sometimes the most economical way to borrow money since only interest is charged on the amount actually borrowed. A second type of business line of credit is called revolving. A revolving line of credit usually requires collateral (accounts receivable or inventory), has a loan duration over a year, and is available only to established companies. The most popular form of credit line is through your credit card provider.

What Is Needed
The borrower pays a variable-interest rate only on the borrowed funds. In addition, a commitment fee is charged for the amount of the credit limit meaning that as funds are repaid they are available for re-borrowing up to the credit limit. A line of credit is frequently secured with receivables and/or inventories.

Who Should Apply
Any business that can show collateral for the outstanding funds. This can be in business assets, personal guarantee or equity in the business.


A Microloan is specifically designed for start-up and newly established businesses. A Microloan can be obtained from credit card providers or through intermediaries. Designed for small companies with few or no employees, Microloans are for small amounts of money ($100 to $25,000). They're not based on your credit history or collateral, but on good character, management ability and a commitment to making your business work.

What Is Needed

  • Personal guarantee
  • Business plan for intermediaries
  • Personal and/or business tax returns for intermediaries
  • Personal financial statement for intermediaries
  • Trade References, personal references

Who Should Apply
Individuals that are starting a business or have a newly established business. Individuals that are looking for business credit cards or loans from SBA banks that may require collateral and a good personal credit history. Small home-based businesses, businesses with 5 or less employees and start-ups are good candidates for a microloan.

Working Capital

Working Capital loans are a perfect solution for companies that require financing for just about any commercial purpose. Terms and funding amounts vary considerably.

What Is Needed
Company information, owner information, Federal Tax ID or Social Security number and bank information. Excellent credit is typically required.

Speak To A Certified Debt Professional

We strongly suggest that prior to enrolling in a debt restructuring program or any other debt service that you first speak to several debt professionals. Obviously you can call anyone that you wish and speaking to 3 or more debt professionals may prove very beneficial in finding the right agency. So, by all means, be sure to check out the various resources listed on this page and website.

We highly recommend, however, that in your research you call 1800DEBT.COM for a FREE debt consultation. By calling this number you will not only be able to speak immediately to a "certified" debt specialist, but based on the area code you're calling from, your call will automatically be routed to a debt professional in your local area. Today, each state has their own laws, regulations and licensing requirements, so it's important to speak with someone who is familiar with your particular area.

In addition, the debt management specialist will be able to assist you in various ways depending on your particular situation. So do yourself and your loved ones a huge favor that could significantly change your lives and call right now and speak to a debt professional. The call is absolutely free, completely confidential and there is no obligation whatsoever. You truly have nothing to lose, except, except, that is — your debt!

Notice: If you have a minimum of $25,000 unsecured business debt and sales of over $150,000 a year, you are a prime candidate for a Business Debt Restructuring. Click Here to request a Free Business Debt Consultation.

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