Restructure debt with AI precision
Negotiate, consolidate and retire business debt faster — guided by AI models that price your risk, your cash flow and every creditor's tolerance.
Built around your business — not a template.
Debt isn't a death sentence — it's a math problem. Our debt management desk pairs seasoned negotiators with proprietary AI that analyzes your full liability stack, ranks creditors by settlement probability, and builds a payoff plan engineered around your real cash flow. The result: lower monthly payments, fewer collection calls, and a clear path to a clean balance sheet — usually in 12–36 months.
- Lower monthly debt service by 30–55% on average
- AI-prioritized payoff order to save the most interest
- Single consolidated payment instead of juggling creditors
- Direct creditor negotiation handled end-to-end
- Hardship, forbearance and settlement options evaluated
- Credit-score recovery roadmap included
Capabilities engineered to move you forward
AI Debt Diagnostic
Our model ingests your liabilities, rates, and cash flow — and returns the optimal payoff strategy in minutes, not weeks.
Creditor Negotiation
Veteran negotiators contact each creditor to reduce balances, waive fees, and restructure terms.
Interest Reduction
We push average APRs down by consolidating high-interest debt into structured, lower-rate facilities.
Liability Audit
Line-by-line review of every loan, line and lien — including challenges to incorrect or unenforceable balances.
Cash-Flow Modeling
AI projects 24-month cash flow under multiple payoff scenarios so you choose with full visibility.
Compliance & Protection
All work performed under FDCPA-compliant procedures with documented creditor agreements in writing.
From hello to handled
Free AI Diagnostic
Upload your statements — our AI returns a payoff plan, projected savings and timeline within 24 hours.
Strategy & Approval
We walk you through the recommended plan: consolidation, negotiation, settlement or hybrid.
Creditor Negotiation
Our team contacts every creditor, locks in reduced balances and new terms — in writing.
Single Payment & Recovery
You make one consolidated payment. We handle creditors, monitor progress, and rebuild your credit.
Answers to what matters most
Still have questions? Talk to a real specialist — no bots, no scripts.
Will this hurt my credit score?+
Short-term, some strategies can dip your score temporarily. Long-term, every client we onboard ends with a stronger profile and a recovery plan included from day one.
How is the AI actually used?+
Our model scores each debt by settlement probability, computes the lowest total-interest payoff order, and simulates your cash flow under every scenario — so the plan is mathematically optimized, not guessed.
What types of debt do you handle?+
Business loans, MCAs, credit lines, equipment financing, vendor balances, tax debt, and personal-guarantee obligations tied to a business.
Is this debt consolidation or settlement?+
Both — and sometimes neither. We pick the right tool per creditor: refinance, consolidate, settle, or restructure. The AI tells us which mix saves the most.
How fast will I see relief?+
Most clients see lower combined monthly payments within the first 30–60 days, with full debt-free timelines averaging 24 months.
Ready to get started?
A 15-minute call is all it takes to get a custom plan and a clear next step.