Financing program
High-cost loans and stacked cash advances can drain a healthy business. There is usually more than one way out. We help you compare consolidation, restructuring, and settlement—then match you with the lender or relief partner that fits your situation. One conversation, no obligation.
There are three paths out of stacked payments: consolidate several advances into one payment, restructure the terms with existing funders, or settle balances at a reduced amount. Which fits depends on how much is owed, whether payments are current, and how much cash the business actually frees up each month. Specialist response is typically 24 to 48 hours, the debt review costs nothing, and there is no obligation.
Business debt relief is an umbrella term for the different ways a company can ease the weight of its debt. It is not a single product—it is a set of strategies, and the right one depends on your cash flow, your credit, and the kind of debt you carry. Some businesses simply need to consolidate several payments into one. Others need to restructure the terms of what they already owe—especially stacked merchant cash advances with daily or weekly debits. And some, already behind and out of options, may pursue settlement, where a specialized partner negotiates with creditors to resolve a balance for less than the full amount.
Axiant Partners helps you figure out which path actually fits—and connects you with the lender or relief partner to carry it out. We are a matching and advisory service: we do not settle debt, give legal or tax advice, or perform creditor negotiation ourselves. Start with our guide to getting out of bad business debt, then get a free review.
Most business debt relief comes down to one of three approaches. Here is how each works and who it fits.
Replace several loans or advances with one new loan—ideally at a lower rate or longer term—so you make a single, more manageable payment. Best when your revenue and credit still qualify you for new financing. Explore working capital and term loans often used to consolidate, or see our dedicated business debt consolidation guide.
Renegotiate the terms or schedule of existing debt to reduce the strain on cash flow—commonly used to consolidate or reverse-consolidate stacked merchant cash advances into one lower payment. Best when daily or weekly debits are draining the business faster than it can recover.
A specialized relief partner negotiates with creditors to resolve a balance for less than what is owed. Best for businesses already behind on payments with limited ability to refinance. Results vary, are never guaranteed, and may affect credit and taxes—see the considerations below.
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Share your funding amount, the debts or advances you carry, and how fast you need relief. It takes about a minute and there is no hard credit pull to get started.
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A specialist looks at your positions and cash flow and maps the realistic paths—consolidation, restructuring, settlement, or simply better-priced capital.
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We connect you with the lender or vetted relief partner that fits your situation, so you are talking to the right provider instead of dialing for quotes.
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Work with your matched provider toward a single, more manageable payment or a resolution plan—and get back to running the business.
Debt relief is worth a look when the debt itself is now the problem. Common signals include:
you have taken a second, third, or fourth merchant cash advance and the daily or weekly debits overlap.
debt service eats so much cash that payroll, suppliers, or taxes get squeezed.
you are paying steep factor rates or APRs and refinancing into something cheaper would free up real money.
several due dates and balances are hard to track, and one missed payment cascades.
you have started taking new financing mostly to cover old financing.
If two or more of these sound familiar, a review is worth it. Read about the How to Get Out of Bad Business Debt before you decide.
Relief is not always the answer—sometimes cheaper capital or a refinance solves the same problem. Here is how the paths compare.
| Option | Best For | |
|---|---|---|
| Debt Consolidation | Businesses that still qualify for new financing and want to combine several payments into one lower one. | Consolidation guide → |
| Debt Restructuring | Businesses buried in stacked merchant cash advances that need the daily or weekly drain reduced. | About MCAs → |
| Debt Settlement | Businesses already behind on payments with limited ability to refinance. Results vary; credit and tax impact possible. | Talk to a specialist → |
| New Working Capital | Otherwise-healthy businesses that just need cheaper, better-structured capital to refinance high-cost debt. | Explore working capital → |
| Business Term Loan | Replacing short-term, high-cost balances with a fixed payment over a longer, predictable term. | Explore term loans → |
Not sure which fits? Use our financing calculator to estimate payments, or get matched and let a specialist map it out.
Axiant matches; partners perform. Axiant Partners is a financing match and advisory service. Debt settlement and creditor negotiation are carried out by independent, specialized relief partners—not by Axiant. We help you understand the options and connect you with the right provider.
Results are never guaranteed. Not every business or debt type qualifies for every path. No lender is required to approve financing, and no creditor is required to accept a restructured or reduced balance. Any figures, ranges, or timelines on this page are illustrative examples, not offers or quotes.
Settlement can affect credit and taxes. Settling or renegotiating debt for less than the full balance may lower your business or personal credit, and forgiven debt can be treated as taxable income. These outcomes depend on your situation and the creditor.
This is not legal, tax, or financial advice. The information here is general and educational. Consult a qualified attorney, accountant, or financial advisor before entering any debt-relief or settlement arrangement.
we review your debts and match you with the lender or relief partner that actually fits, instead of a one-size offer.
if cheaper capital or a refinance beats relief for your situation, we will tell you. The goal is fewer, lower payments—not more debt.
we work with businesses nationwide across trucking, construction, retail, services, and more.
our matching service is free to you; we are compensated by our lending and partner network.
It is an umbrella term for strategies that reduce the burden of business debt—mainly consolidation (one new loan replaces several), restructuring (renegotiating existing terms, including stacked cash advances), and settlement (negotiating to resolve a balance for less than owed). The right path depends on your cash flow, credit, and debt type. Read the full guide.
No. We match businesses with lenders and specialized debt-relief partners. Settlement and creditor negotiation are performed by those partner firms, not by Axiant. We do not provide legal, tax, or debt-settlement services.
Consolidation replaces several debts with one new loan—ideally cheaper or longer—so you keep accounts in good standing with a single payment. Settlement resolves a debt for less than owed through negotiation, usually when you are already struggling to pay. Consolidation generally protects credit; settlement can hurt it and may have tax consequences.
Often, yes. Multiple merchant cash advances with overlapping debits can sometimes be consolidated or refinanced into a single, lower payment, depending on revenue, the number and size of positions, and the agreements. A specialist can outline realistic options.
It depends on the path. Refinancing into a new loan you pay on time generally supports credit; settlement and some restructuring can lower business or personal credit and may have tax implications. Outcomes vary and nothing is guaranteed—consult a tax or legal advisor first.
Get a Free Debt ReviewEnter your total advance balances and the combined weekly payment you send now to estimate a single, lower weekly payment and the monthly cash you could free up. Illustrative only — for real numbers, get a free review.
Estimated single weekly payment
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Estimated monthly cash freed up
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Illustrative estimate based on a typical 40–60% payment reduction. Not a quote, approval, or offer of credit. Open the full stacked-debt relief calculator →
Go deeper on the emergencies and the exits — from a frozen account to a single consolidated payment.
Why a freeze happens, what to do in the first 24–48 hours, and the three routes to get a business account released.
Read →What a Confession of Judgment is, what an MCA lawsuit means, and your real options to respond and resolve it.
Read →How reverse consolidation replaces several daily debits with one lower weekly payment — and who it fits.
Read →How mediation restructures stacked, distressed debt into one consolidated, cash-flow-aligned payment.
Read →If stacked payments and high-cost debt are choking your cash flow, there is usually a way to fewer, lower payments. Tell us about your debt once and we will review your options and match you with the right lender or relief partner—no cost for the match guidance, no obligation.
