1
Debt schedule
Loans, leases, lines, advances, vendor balances, tax obligations, and other commercial debts are organized in one place.
Business debt relief
Commercial Debt Review
Commercial debt rarely exists in isolation. A restructuring review considers payment schedules, collateral, guarantees, operating cash flow, creditor status, and the resources the business needs to remain viable.
Possible fit
When owners request this review
Businesses with several types of commercial debt
Owners whose current payment schedule no longer matches revenue
Companies evaluating modification or negotiated resolution paths
Viable businesses that need breathing room to stabilize operations
The approach
A practical debt-relief process
- 1Build a complete commercial debt schedule
- 2Separate urgent threats from longer-term obligations
- 3Model what the business can support after essential expenses
- 4Review the situation and connect the owner with an appropriate servicing company
Important considerations
Facts and risks to review carefully
- ReviewCollateral, guarantees, liens, and default provisions
- ReviewTax, accounting, or other specialist questions
- ReviewShort-term relief versus total long-term obligation
- ReviewBusiness viability under a realistic operating plan
Strategy mechanics
How the review and coordination work
The strategy starts with complete records, current creditor status, and what the business can realistically sustain after essential operating expenses.
2
Urgency and exposure review
The review separates current payments, arrears, defaults, active collections, and obligations tied to critical assets or operations.
3
Restructuring objectives
Possible objectives may include payment timing, modified terms, coordinated payoff discussions, or referral to an independent specialist.
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Operating recovery plan
Any proposed path is measured against the cash required to keep the underlying business viable.
What we review
These facts shape the negotiation objectives, coordination plan, and any appropriate independent referral.
- All commercial obligations and payment schedules
- Collateral and guarantee exposure
- Current, late, and defaulted accounts
- Recent financial performance and cash-flow volatility
- Essential assets, vendors, and operating dependencies
- Resources available to support a restructuring plan
Documents to prepare
Complete, current records reduce guesswork and make the first conversation more useful.
- Loan, lease, line, advance, and vendor agreements
- Current statements and payoff information
- Business bank statements and financial statements
- Debt, lien, and guarantee schedules
- Collection, default, and creditor communications
- Operating budget and realistic cash-flow forecast
Illustrative debt snapshot
Illustrative commercial debt schedule
Different obligation types require different questions, but all compete for the same operating cash.
This is an organizational example, not a recommendation or estimate of modified terms. Each obligation must be reviewed on its own facts.
- Merchant cash advance payments
- $24,000/mo.
- Equipment lease payments
- $6,500/mo.
- Business loan payments
- $8,200/mo.
- Vendor arrears
- $42,000
- Total scheduled monthly debt payments
- $38,700/mo.
Warning signs that require attention
- •The owner focuses on one payment while ignoring the total debt picture
- •A new loan is presented as the only possible solution
- •Collateral or guarantee exposure has not been inventoried
- •The proposed plan depends on cutting expenses that produce essential revenue
- •Different creditors receive inconsistent information about the business
Before accepting any proposed terms
Confirm the payment, timing, total obligation, fees, required notices, and every condition in writing. Make sure the business can perform during a slower revenue period.
Use the debt relief guideService-specific FAQ
Questions owners often ask
Is commercial debt restructuring the same as taking a consolidation loan?
No. A consolidation loan replaces obligations with new debt. Restructuring can involve negotiated changes, coordinated payment plans, or other resolution paths without assuming that new borrowing is the answer.
Does New Guidance Group work only with MCA debt?
MCA debt is the primary focus. We can also review related commercial obligations when they affect the overall strategy and may connect the owner with an independent professional suited to a particular debt type.
Can secured debt be included in the review?
It can be included in the complete debt picture. Collateral, liens, guarantees, and contract terms require careful attention when evaluating any proposed next step.
What makes a business a possible fit?
A productive initial review usually involves a viable operating business, documented payment pressure, complete records, and enough ongoing cash flow or other resources to support a realistic path forward.
Related recovery paths
MCA payment pressure, creditor negotiations, broader commercial obligations, and operating recovery often need to be considered together.
Nationwide support
Start with a confidential business debt review
Bring your MCA agreements, recent statements, payment schedule, and creditor communications. We will help organize the complete picture and explain a practical next step.