Business Debt Management Services

Regain control of your company’s finances with a clear, structured repayment plan that works for your business.

At Strategic Turnaround LLC, we help businesses facing financial challenges reorganize their debts, negotiate better terms with creditors, and free up working capital—without sacrificing operations or resorting to bankruptcy.
Debt management is a proactive strategy for companies committed to resolving their obligations while protecting cash flow and business relationships.

What is Business Debt Management?

Business debt management is a structured repayment approach that consolidates multiple unsecured debts into one affordable monthly payment. By negotiating with creditors, we aim to reduce interest rates, remove penalties, and extend repayment terms—giving your business the breathing room it needs to operate successfully.

Unlike debt consolidation loans, a debt management plan does not require new borrowing. Instead, it works within your existing debt structure to make repayment more manageable and predictable.

Who Can Benefit from Business Debt Management?

• Companies with Multiple Debt Obligations

If your business is juggling several creditors, each with different due dates and interest rates, the complexity can cause missed payments and late fees. Debt management combines these into one clear monthly payment, making budgeting easier and more accurate.

• Businesses Facing Cash Flow Strain

When expenses outpace income, it’s easy to fall behind. Restructuring debts can lower interest expenses and reorganize payments, freeing up resources for payroll, inventory, and operational costs.

• Organizations Seeking Bankruptcy Alternatives

Bankruptcy can damage your company’s credit, reputation, and future opportunities. For businesses that can still repay their debts—just not under current terms—debt management is a viable alternative that protects your standing and relationships.

• Leaders Seeking Financial Guidance

We don’t just manage debt—we help businesses build stronger financial practices. From expense tracking to budgeting discipline, our advisors provide the tools to ensure your company stays financially healthy after the plan is complete.

How Does It Work?

Initial Consultation

We assess your debts, cash flow, and operational needs.

Custom Budget Creation

We design a realistic budget that supports business continuity while enabling debt repayment.

Debt & Creditor Review

We gather and analyze all unsecured debts.

Negotiation with Creditors

We work to reduce interest rates, waive late fees, and adjust repayment terms.

Consolidated Payment Plan

All debts are rolled into one predictable monthly payment.

Ongoing Monitoring

We review progress and make adjustments as needed.

Plan Completion

All debts in the plan are paid off, and you receive a financial health review.

What To Expect With Strategic Turnaround's Debt Management Plan

Lower interest rates and fees negotiated on your behalf

One simple monthly payment

Consistent communication with creditors to maintain good relationships

Dedicated account manager to guide you through the process

Confidential service that safeguards your reputation

Why Partner With Strategic Turnaround LLC?

• Business-Only Focus

We specialize in commercial debt solutions, not consumer credit.

• Proven Track Record

Decades of successful negotiations with business creditors.

• Confidential Process

We work discreetly to protect your brand.

• End-To-End Support

From strategy to execution, we're your partner in financial recovery.

Debt Management Vs. Debt Consolidation Vs. Debt Settlement

Solution	Debt Management	Debt Consolidation Loan	Debt Settlement
Requires New Loan	No	Yes	No
Negotiates Lower Interest	Yes	Sometimes	Not Primary Goal
Pays Full Debt Balance	Yes	Yes	No
Credit Impact	Mild	Mild	Significant
Consolidated Payment	Yes	Yes	No
Best For	Businesses able to repay with better terms	Businesses with good credit for new loan	Businesses unable to pay full balance

Solution

Debt Management

Debt Consolidation Loan

Debt Settlement

Requires New Loan

Yes

Negotiates Lower Interest

Yes

Sometimes

Not Primary Goal

Pays Full Debt Balance

Yes

Credit Impact

Mild

Significant

Consolidated Payment

Yes

Best For

Businesses able to repay with better terms

Businesses with good credit for new loan

Businesses unable to pay full balance

Pros & Cons Of Business Debt Management

Pros

Predictable monthly payments
Lower interest and fees
Preserves business creditworthiness
Avoids bankruptcy
Improves cash flow

Cons

Only covers unsecured debt
Requires consistent monthly payments
May take 3-5 years to complete
Does not reduce principal owed

Frequently Asked Questions (FAQs)

1. How Long Does A Business Debt Management Plan Take?

Most plans last between 36 and 60 months, depending on your total debt and payment capacity.

2. Will This Affect My Business Credit Score?

In most cases, the impact is minimal compared to bankruptcy or settlement, and credit may improve over time as debts are repaid.

3. Can I Include Secured Loans In The Plan?

No, debt management plans are for unsecured debts like credit cards, vendor balances, and unsecured lines of credit.

4. What Happens If My Cash Flow Changes During The Plan?

We can renegotiate terms or restructure your plan to match new circumstances.

5. Do You Work With Small Businesses Only?

No, we work with businesses of all sizes—from startups to established enterprises.