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Business debt restructuring is an action taken to significantly modify the debt load of a company that is facing financial pressure. A company can further help their financial situation by reducing other company operating costs such as payroll or selling off unneeded supplies or equipment. The main goal of business debt restructuring is to turn a business from cash-flow negative to cash-flow positive.

Many times, the words refinancing and restructuring are used synonomously, but they are actually not the same thing. Refinancing is a possible option for a company that is not in or facing a financial crisis. Maybe it makes sense because they can get a better rate by refinancing. Restructuring, though, is a more viable option for a company that is in, or facing, a financial crisis. A company in this position probably won’t have any refinancing options available, so getting their current lenders to work with them to restructure their debt is many times the best, most cost-saving option.

Is Business Debt Restructuring Right for Me?

Once you know what type of situations the restructuring of business debt is designed for, knowing whether or not it’s right for your situation is pretty simple to determine. But, if you want to know with all certainty, you can ask yourself the following questions. If you answer yes to all of them, you are definitely a candidate for a business debt restructuring program.

  • Are you business debts unsecured?
  • Are you in, or facing, a serious financial crisis if you don’t lower your debt liability?
  • Do you need more relief than a refinance would likely offer?
  • Can you become cash-flow positive if you were to get a significant modification of your business debt payment, payment schedule and interest rate?

 If you answered yes to all of the above questions, you a definitely a candidate for a restructuring program. If you answered yes to most of them, there is still a good likelyhood that you are a candidate. The best way to know for sure is to talk to a business debt restructuring specialist. A restructuring specialist can determine whether or not your situation, as well as your debts, qualify for such a program.

What Else Can I do Besides Restructuring Business Debt?

As we mentioned briefly above, a business can also take other cost-saving or cash producing actions to better their financial situation. The most effective actions are typically going to be saving business expendatures any where you can. This can include downsizing, payroll cuts, reducing, or eliminating, certain perks temporarily or any where a business can cut costs. It can also include selling unneeded assets such as materials or equipment that is not needed.

Anything you bring in from such cost saving or cash producing actions can then be applied to paying down the debt that you have restructured. The extra cash-flow can also be used to start building up a surplus or emergency fund to help avoid a future financial crisis.

Services includes:

  • Debt Management
  • Bankruptcy
  • Business Debt Restructuring
  • Analyzing Business Debt
  • Business Loan Modification
  • Debt Negotiations
  • Network of Attorney
  • Commercial Debt Restructuring Strategies
  • Debt Counseling Exit Strategies
  • Organization Debt Restructuring
  • Graduated Debt Relief
  • Personal Debt Analysis

Why Us?

We Have Helped Businesses Restructure Millions in Debt. We have over 20 years of combined experience in the industry and an A+ BBB Rating. Our process increases cash flow and eliminates debt.

Who We Are

National Credit Partners is a business financial firm that specializes in business debt relief and business loan modification. By leveraging our knowledge of the Merchant Cash Advance industry and relationships with direct lenders, we are able to get results quickly and without legal action being filed.


Provides a lifeline for over-extended business owners who are drowning in debt.

  • Reduce your business debt payments by up to 40%-60%
  • Improve business cash flow quickly
  • Save your business from closing

AFCC Member

We are an American Fair Credit Council alliance member business. We strive ourselve to follow AFCC’s strict Code of Conduct. AFCC has determined that National Credit Partners meets AFCC Alliance Membership Standards.

Our Office

1551 N. Tustin Ste 190
Santa Ana, CA 92705

Office Hours

Mon-Fri: 8am – 5pm PST
Sat-Sun: Closed

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We are an A+ BBB Rated Company

We do not assume consumer debt or provide tax, bankruptcy, accounting or legal advice. Please contact your tax professional to discuss tax consequences of business debt. By providing your contact information, you agree to receive return telephone calls, emails or other communications from National Credit Partners and/or its affiliates and expressly waive any “No Call” preference or registration. Photographs used are not actual clients. National Credit Partners is not affiliated with CNN, Fox, Forbes, Inc. 500 and logos used are registered trademarks of their respective owners. Programs not available in all states. Read and understand all program materials prior to your enrollment.