Business Debt Restructuring
ASAP Funding Solutions helps small businesses restructure merchant cash advance debt, business loans, and vendor obligations — so you stop hemorrhaging cash and start running your business again.
How It Works
We review your current debt obligations — MCA advances, business loans, vendor balances — and build a clear picture of your options. No credit check required for the initial consultation.
Our specialists identify restructuring paths tailored to your business: modified payment terms, consolidated schedules, or negotiated settlements with lenders and funders.
Once you choose a path, we work directly with your creditors on your behalf. Many clients see meaningful cash-flow relief within weeks of enrollment.
What We Do
Struggling with high-rate term loans? We negotiate with lenders to reduce your total obligation or restructure payments to a level your cash flow can handle.
Already have a business loan? We work with your lender to modify the terms — extending the repayment period, reducing the rate, or adjusting the schedule — so you keep your business moving.
Overdue supplier balances can choke operations fast. We negotiate directly with your vendors to resolve outstanding payables on terms that protect your business relationships.
Merchant cash advances can spiral quickly — daily or weekly debits that drain your account. We restructure MCA positions with funders so you stop losing cash flow and start recovering.
Common Questions
We negotiate directly with your merchant cash advance funders to restructure your remaining balance. This typically means extending repayment timelines, reducing daily or weekly debit amounts, or consolidating multiple positions — depending on what your funders will accept and what your cash flow can support.
It depends on the approach. Restructuring is generally less damaging than default, but any negotiated settlement may be noted by creditors. We walk through the credit implications with you before you enroll so there are no surprises. We recommend consulting a financial advisor for advice specific to your situation.
Timelines vary by the number of creditors involved and their responsiveness. Some clients see restructured payment terms within a few weeks; more complex situations with multiple lenders can take longer. We'll give you an honest estimate after reviewing your debt picture.
The initial consultation is free and carries no obligation. If you enroll in a program, fees are disclosed upfront before you sign anything. We do not charge undisclosed fees or collect money before services are rendered.
Yes. Most clients come to us while still running their business — the goal is to relieve debt pressure before it forces a shutdown. We work with businesses across industries nationwide. The best way to find out if you qualify is to submit a free consultation request.
Get Started
Tell us a bit about your business and we’ll connect you with a specialist who can walk through your options. No sales pressure. No obligation.
Prefer email? Reach us at [email protected] Mon–Fri 9am–6pm ET.