Debt Restructuring

As your business changes, so does your credit. The interest rate you qualified for when you started out may not be what you qualify for today. When you’re paying too much for financing, let us help you cut costs by moving into a low-interest rate loan.

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Reorganize your financing mix

Improve cash flow and position for growth

Stop spending money on high interest rate loans. We can help you find ways to leverage your current credit score for low-cost options, saving you money to reinvest in your business. If your credit needs repair, we’ll show you how to manage debt and turn your credit history around. Free up working capital and see savings month after month when you work with our team of specialists.

Improving your business credit improves your chances of getting approved for future loans. But boosting your score takes more than just paying off debt. The types of debt you pay off and when you pay them have a significant impact. Let us help you restructure your debt with refinancing, consolidation, and credit repair. Contact us today.

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Consolidation Loans

Juggling multiple loan payments with different interest rates and separate lenders takes time and energy. That’s time and energy taken away from what you do best – running your business. Loan consolidation makes your life easier by putting all your loans under one roof. You’ll have one payment, at one interest rate, and one due date for the life of the loan.

Consolidating your debt not only simplifies your accounting, but it can also reduce your overall payments, saving you cash by lowering your interest rate and helping you pay off debt faster. When you’re sick of complicated loan payments, talk to one of our team members. We’ll find debt management solutions tailored to your business’s needs and goals. You’ll be surprised at how easy it is to boost your business credit score and improve your cash flow!

Refinancing and restructuring might sound similar, but they’re not the same. Restructuring takes your current loan and renegotiates the terms with your lender. Refinancing replaces your old loan with a new one that has lower interest rates and better terms. With refinancing, you typically transition the debt from your old lender to a new one.

There are many great reasons to refinance. Interest rates in the market change frequently. If you have fixed-rate financing, you could be paying more than what the market currently offers. Your business also changes over time. What you qualified for several years ago might be higher than what you can get today. We’ll help you identify the debt that’s dragging your business down and free up capital to move your business forward.

Refinancing

Credit Repair

The past few years have been rocky, to say the least. Many small businesses were hit hard by unprecedented challenges. If your business’s credit score suffered, you’re not alone. But it’s not too soon to start repairing the damage. The sooner you can address credit problems, the better. We’ll show you how to cut debt costs, raise your credit score, and attract great offers from future lenders.

Did you know that paying off a debt can hurt your credit score? That’s because it changes your credit mix, your utilization ratio, and your average amount owed. Doing this at the wrong time can make a bad impression on lenders. We have extensive experience with lender expectations and credit management. Let us put our expertise to work for your business today.

Most people only worry about their credit score when they’re seeking a new loan. The same goes for business credit. But to position your business for the right financing, you have to be proactive. Bringing up your score and successfully managing your debt today will make it easier to get the loans your business needs tomorrow.

When reviewing loan applications, lenders look at more than just credit scores. They also want to know how strong your credit history is and how you’ve been handling expenses. What does your business stand to make in the coming year? We know lenders and we know what they look for. Our team of specialists can help you submit a successful application so you can be approved for the right loan fast. Ask us what our lenders can do for your business today.

Improve Chances Of Approval

Our Process Is Simple

Three Steps to Funding

Step 1

Fill Out Our Application

Fill out a quick application form to tell us about your company.

Step 2

Match With a Lender

Meet with an R-Edge Commercial Funding specialist to help you choose your options.

Step 3

Receive Funds & Grow

We’ll make sure your application is complete and set up for success.

Restructure your financing. Consolidate or refinance existing loans with better terms through our lender network.

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Submit An Application

ALTERNATIVES

If debt restructuring isn’t what you’re looking for, try:

Factoring

Factoring lets you sell your accounts receivable to get cash right away. Avoid waiting 30, 60, or 90 days for your clients to pay on invoices and purchase orders. Use factoring to get ahead and boost your working capital fast. We’ll connect you with the best factoring firms for high LTV ratios.

Lines Of Credit

Tap into a line of credit whenever you need working capital for your business. Secured and unsecured lines let you borrow as often as you need within your credit limit. Don’t pay interest when you have a zero balance and keep a line open for emergencies. Ask us how.

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