What we do
We map every funder position — balance, holdback, personal guarantee — then negotiate directly with each funder for a smaller, longer payment plan.
Timeline: typically 1–2 weeks once we have your documents.* See disclosures
How it works
Three phases: stop the bleeding, fix the cause, rebuild credit. In order — skip ahead and you're back here in a year.
Timelines show how files typically move, not a commitment. Results vary; not guaranteed.* See disclosures
Phase 1
Immediate payment relief
What we need from you
- Last 4–6 months of bank statements (PDF)
- Every funding agreement, signed
- Current ACH schedule per funder
- Any default or attorney letters
Phase 2
Cash recovery strategy
What we do
We review agreements for recoverable fees and map your cash conversion cycle — the timing gap that made an advance feel necessary.
Timeline: scheduled once Phase 1 restructures are signed.
What we need from you
- Trailing 12-month P&L and balance sheet
- A/R aging, or who owes you and how late
- Two hours, undistracted
Phase 3
Long-term stability and growth
What we do
We dispute credit-report errors, confirm UCC-1 terminations, and package your file for conventional lenders — a bank line, equipment financing, an SBA product.
Timeline: begins once restructured payments run several months; approval decisions belong to the lender.* See disclosures
What we need from you
- Consistent, on-time payments on the new schedule
- Authorization to review your business credit files
- Patience — profiles improve over quarters, not weeks
What can go wrong
- A funder refuses to negotiate — usually one already in legal.
- Your file's already in litigation — you likely need an attorney, not us.
- The sustainable payment is still too high for the business to carry.
- New debt mid-process resets the work and costs trust with funders.
If you engage today
Your first 72 hours
Timing assumes business days and reflects how files usually move, not a service commitment.
- Hour 0 — You submit the form. About 4 minutes.
- Hours 1–4 — We triage for anything urgent: a default notice, a debit you can't cover.
- Hours 4–24 — A live call. What we see, what's realistic, what it costs.
- Hours 24–72 — Document checklist sent, then a full position map and UCC search.