DEBT REFINANCING
A better structure for expensive business debt.
A refinancing conversation starts with the business economics and the complete debt picture. We discuss original use, balances, payments, and the change you hope to achieve before considering whether a lender introduction may be appropriate. Eligibility and savings are not assumed.
The business behind the balance sheet.
The initial discussion starts with the operating business: its history, revenue profile, financing objective, and ability to support repayment. Describe the approximate balances, payment frequency, maturity, original purpose, and repayment status of the obligations being considered. Equipment loans, business term debt, and other commercial obligations may raise different eligibility and documentation questions. Existing liens, guarantees, prepayment provisions, and payoff requirements can affect a proposed transaction. The lender determines whether each obligation is eligible under current SBA requirements and whether the business supports the new structure. An initial review is not a determination that a debt can be refinanced.
A more considered payment structure.
A refinancing discussion may examine whether an eligible structure improves the business’s financial position through a more workable repayment schedule, consolidation of qualifying obligations, or alignment of debt with the assets and operations it supports. Lower periodic payments do not necessarily mean a lower total borrowing cost; fees, maturity, interest, and payoff costs all matter. Merchant cash advances are one possible use case, not the focus of every refinancing request. Whether an MCA or any other obligation can be included depends on its actual terms, purpose, applicable SBA requirements, and the lender’s review. TriPoint does not promise that an MCA can be refinanced or that any transaction will deliver savings. The operating business and the complete debt picture remain central.
A clear sequence, without assumptions.
Begin with a preliminary conversation about the business, the existing obligations, approximate balances and payments, and the change you hope to achieve. Do not submit debt statements, account details, tax returns, or sensitive financial files through the public form or ordinary email. If the opportunity appears viable for a lender introduction, required information should be requested through secure instructions. The lender independently reviews eligibility, repayment ability, payoff documentation, and proposed terms, and owns underwriting, credit decisions, and closing. A review or introduction is not an application, approval, commitment, or offer of financing.
Start with a preliminary review.