Business Debt & Financing
A practical, plain‑English guide to financing pressure—what’s happening, what to do first, and how to regain control.
Before you make a fast decision
If you are exhausted, panicking, or feeling hopeless, take a breath and visit Mental Health Support. Clear decisions come after support, sleep, and a plan.
Common situations
- Daily debits or aggressive collection activity is starving operations.
- Multiple creditors are chasing the same receivables or the same bank account.
- A “refinance” or “consolidation” made the problem worse.
- You are deciding whether a workout is realistic—or whether bankruptcy must be evaluated.
Where to start
Financing traps
How “fast money” becomes operational pressure—and what to watch for before you sign.
Merchant cash advances
What an MCA is in plain English, how enforcement tends to work, and what to do early.
Real‑world stories
The “simple” term sheet that wasn’t
A deal looked straightforward—until daily withdrawals left no cushion. One missed week triggered defaults across the stack. The fix started with understanding the triggers and creating a cash‑control plan.
The refinance that increased pressure
The new payment schedule was sold as relief. In reality, it compressed cash flow and removed flexibility. The next step was a structured negotiation plan—not another quick signature.
The panic signature
An owner signed a “settlement” to stop the calls. It created new defaults elsewhere. The lesson: slow down long enough to see the whole map.
Next
Most situations require a decision between stabilizing out of court and evaluating bankruptcy.
Need help sorting this quickly? Email contact@sesnylaw.com or call 512.761.8378.