Introduction
We evaluate your income, expenses, and credit profile to create a debt strategy that lowers costs and supports growth.
Clear, credible documentation
-
Personalized debt analysis prepared by a licensed CPA using your income sources, expenses and debt balances.
-
Considers all debt types (credit cards, mortgages, personal and business loans, tax debts) and flags payment risks such as past‑due accounts or collections.
-
Recommendations are written in straightforward language lenders and advisors can rely on.
Simple, efficient process
-
Secure online intake gathers objectives (improve existing debt, evaluate new loans), income sources, cash‑flow patterns and debt obligations.
-
Follow‑up questions only when necessary to clarify complex situations like tax debts, lawsuits or cash‑flow gaps.
-
Draft debt plan delivered for your review before finalization.
Aligned with your goals
-
Addresses goals such as lowering monthly payments, paying off debt faster, reducing total interest cost, simplifying debt structure, improving credit or aligning debt with investment/growth plans.
-
Evaluates options for new financing (business term loans, lines of credit, SBA loans, credit‑card balance transfers) and weighs risk tolerance (avoiding home collateral, reducing personal guarantees, keeping business debt separate).
-
Provides clear strategies for restructuring, consolidating or refinancing debt.