Personal guarantees on business debt, payday loans, and more.
Business debt tied to personal guarantees, merchant cash advances, and other unsecured obligations can threaten both your company and your personal finances. Here is how business debt relief works.
What business & other unsecured debt actually involves
Many small business owners personally guarantee loans, lines of credit, and merchant cash advances. When the business struggles, the owner becomes personally liable. Business debt relief addresses both sides of this problem.
Relief options include restructuring payment terms, negotiating reduced balances, and in some cases exploring legal protections. Merchant cash advances are especially aggressive but also among the most negotiable because of how they are structured.
A business debt specialist understands commercial lending, UCC liens, and the pressure tactics used by business lenders. They can often stop daily withdrawals, freeze interest, and create a realistic path to resolution.
What is typically included
Signs you need it
- You personally guaranteed a business loan that is now delinquent
- A merchant cash advance is draining your daily revenue
- Your business line of credit is maxed out
- Lenders have threatened UCC liens or lawsuits
- You are considering closing the business because of debt
- Personal assets are at risk from business obligations
What affects the cost
- Total business and personal guarantee debt
- Type of financing (term loan, MCA, line of credit)
- Whether the business is still operating
- Value of any UCC lien collateral
- Personal assets and income available for repayment
- Number of lenders and their collection aggressiveness
We do not publish dollar figures because every project is different. Comparing local quotes is the only reliable way to know your real cost.
Our business & other unsecured debt process,
step by step
We do not push you toward any one contractor. We match you with vetted local pros and give you the information to choose well.
- 01Step 1 of 5
Share your business and personal debt picture
Tell us what the business owes, what you personally guaranteed, and what the lenders are doing.
- 02Step 2 of 5
Get matched with a business debt expert
We connect you with partners who specialize in merchant cash advances, business term loans, and personal guarantee negotiations.
- 03Step 3 of 5
Assess liability and options
Your expert reviews UCC liens, personal guarantees, and lender tactics to build a strategic plan.
- 04Step 4 of 5
Negotiate with lenders
Payment terms are restructured, balances reduced, or daily withdrawals stopped. You approve every deal.
- 05Step 5 of 5
Protect your future
With a manageable plan in place, you can focus on rebuilding the business or closing it cleanly without personal ruin.
No payment, no signup, no obligation. You stay in control of every decision.
Business & Other Unsecured Debt questions, answered
Ready to talk to vetted business & other unsecured debt pros?
Now that you know what is involved, get free quotes from licensed local contractors. Two minutes to start. No obligation.