Business Debt Restructuring, Commercial Debt Negotiation Services, Firm

Business Capital Provides Solutions

Businesses grow in cycles that fluctuate with the economy, supply and demand. While most companies enjoy periods of financial security and success, many more go through phases of financial strain. But you don’t have to face bankruptcy, financial ruin or lengthy court proceedings. You have options. Business Capital can help you get back to business in no time.

“The team at Business Capital are highly trained, professional deal makers who have assisted us in a number of successful, out-of-court restructuring projects. Business Capital is remarkably efficient and effective in dealing amicably and objectively with large numbers of creditors. Their assistance in implementing out-of-court restructuring plans has resulted in significant reduction in costs and delay, allowing clients that could not have afforded the administrative costs of a Chapter 11 to restructure and continue to operate. “

- Karol Denniston, DLA Piper
Co-Chair, Restructuring Practice Group & Head of West Coast Restructuring Practice

Debt Restructuring Benefits

Avoid Bankruptcy
Satisfy creditors based on what your business can afford
Reduce debt and stretch it out over time into fixed, affordable monthly payments
Spend less time dealing with creditors, collection agencies and attorneys
Spend more time creating revenue and optimizing your business
Keep your doors open and retain management control
Avoid unnecessary legal fees
Balance your budget and manage cash flow
Preserve vendor relations and keep vital supply lines open
Rebuild your credit and credibility

What is Debt Restructuring?

Debt can cause overwhelming financial difficulties and place a business in jeopardy. Business debt restructuring is a productive solution which aims to eliminate the financial problem and improve business liquidity by establishing fair and equitable debt repayments to creditors.

Benefits of Working with Business Capital

Business Capital is a full service financial firm with over ten years of experience working with undercapitalized businesses. We have provided services for hundreds of companies and have worked with every industry sector in every part of the country. We provide the time and attention it takes to tailor our services to your specific needs.

Business Capital is an established leader as a corporate debt restructuring firm. We offer you highly successful debt restructuring, negotiation and resolution services as well as access to needed assistance from experienced professionals who understand the issues facing both debtors and creditors. We will negotiate on your behalf and work out payment programs that are satisfactory and realistic to both parties. Our commercial debt negotiation services are less costly, shorter in duration, as well as more amicable and effective than traditional means of resolving monetary disputes.

Our firm has a proven track record in achieving exceptional results. To learn more about debt restructuring, our debt negotiation services and how Business Capital can help, complete the simple online questionnaire or call us directly today.

Bankruptcy is not the only solution.

We view bankruptcy as a last ditch option. We pride ourselves in keeping our clients outside the bankruptcy court, while providing most of the relief associated with a Chapter 11 bankruptcy filing.

A bankruptcy filing is very expensive. The cost for a Chapter 11 bankruptcy at a minimum, is about $50,000 and most still wind up in Chapter 7 liquidation regardless. Furthermore, estimates show that an average of 75% of all Chapter 11 bankruptcy proceeds go to pay the attorneys, not the creditors. Once a debt moves into the legal arena, more time and money is wasted by business people responding to notices, appearing for hearings, talking with attorneys, etc. Meanwhile, your debt keeps growing. Add the attorney fees to collection costs, interest on the debt, filing fees, research costs, and labor costs. Suddenly that $50,000 debt has ballooned to $70,000, $80,000 or more. In some areas, collection agencies are allowed to increase a debt by 50% on the date it is assigned to them. They can then begin adding interest to the debt. It’s not unusual to see interest rates of 28% to 34% per year!
A bankruptcy filing also labels you with the worst possible credit rating and is very public and rigid. The judge ultimately decides which creditors get paid, what amounts they get paid, and the business owners and executives lose all control.

Our goal is to settle debts to everyone’s satisfaction and do it without going through the legal system.

Now you have options. You decide.

Business Capital’s restructuring solutions offer a much better option. We provide most of the relief without the drawbacks associated with a Chapter 11 filing. Business Capital has developed an effective system for the rapid resolution of all categories of corporate indebtedness. Our continued success in this traditionally challenging area has been attributed to our open, non-adversarial approach to creditors. This enables our clients to maintain vendor continuity and retain customers.

At Business Capital we recognize that creditors represent one of the most important relationships for a business. These relationships are often the most fragile as well. Business Capital works carefully with each creditor to insure integrity and good will are preserved. We set the stage to allow relationships to move forward on stronger footing with improved communication. Our intervention gives all parties an opportunity to step back and look at other options for settlement.

We will develop an understanding of your company’s financial situation, and your wants and needs. We conduct an analysis of your company and its creditors and then customize a solution specific to each creditor situation. We discuss possible settlements with our client before we approach the creditors. If you are simply looking for additional time to pay off the debt in full, we’ll explore that option as well.

After our analysis, we will present you with the possible options and solutions. Then you decide. You judge if our proposals and ideas are the best for you.