Debt Restructuring

Consolidation of multiple existing debts into a single, more manageable facility with revised terms. Lowers monthly payments, improves cash flow, and simplifies obligations into one payment.

Key Features

  • Consolidation and reorganization of existing debt into more manageable terms

  • Amounts based on existing obligations, typically $500K to $25 Million

  • Structure: Consolidated term facility with revised amortization

  • Lower blended cost and improved cash flow

  • A single payment replacing multiple obligations

  • Covenant reset aligned to the current business

Use Cases

  • Consolidate multiple loans into one payment

  • Reduce monthly debt-service costs

  • Extend amortization to free up cash flow

  • Replace high-cost or maturing debt

  • Stabilize the business during a turnaround

Rates, Fees & Terms

  • Starting at bank prime + 1.5%, subject to risk profile

  • Amortization from 3 to 10 years

  • Restructuring and setup fee subject to level of engagement

  • $2,500 commitment fee upon application submission

Eligibility

  • Viable underlying business with a clear recovery path

  • Satisfactory or improving credit profile

  • Updated financial statements and a cash-flow forecast

Apply for Debt Restructuring

Talk to a credit specialist to determine the Debt Restructuring solution that is right for you.