How to refinance debt

Author

Ryan Chen
March 10, 2025

Hi there,

Welcome to Loancater’s weekly newsletter. This is approximately a 4-minute read.

In today's newsletter, we’re going go over how to determine how to refinance your business debt and which option you should utilize.


We are going to go over…

  1. Debt refinancing options

  2. What to do when you don’t have any options to borrow additional capital

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Actionable Tips

A lot of the time, when you borrow short term MCAs, you can refinance that by utilizing either assets or credit you already have.


Make a short list of things you own(i.e., your home, heavy equipment, Crypto, investment real estate) and then search up a lender for it.

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Debt Refinancing Options

There are two types of debt I’m going to broadly address about refinancing. One of them is unsecured debt and the other is secured debt. With unsecured debt your rates and terms will typically always be shorter term, and you can refinance them with 

  • Asset Back Loans (collateralize with inventory, equipment, real estate, or Crypto)

  • 0% Interest Credit Cards(Up to 250k) which utilizes your personal credit score

  • Mezzanine financing, which uses your equity

With secured debt like a CRE mortgage, you can typically find another lender to take the note provided that the remaining balance isn’t higher than 65%ish of the value of the building. Refinancing secure debt only gets tricky when the remaining balance is higher than the value of the asset or when the asset has low volume of demand and will be difficult to sell(liquidate in the event of a default).

What To Do When You Don’t Have Any Additional Capital To Borrow

There’s going to be a handful of people who don’t have the option to tap into any of the above options. In that case, I would avoid any form of debt settlement. I would also keep in mind that unsecured notes can only garnish my wage (if personally guaranteed) and destroy my credit and not much more. For secured loans, I know the worst I can lose is my asset. With that in mind, I would use this cashflow projector to pull money ahead and plan out the numbers (link).

How I Can Help You

If you like this newsletter and want to work with me, there are a few ways we can do so:

  1. You can apply for a business loan here (link)

  2. You can apply for credit repair by emailing [email protected] “I want credit repair”

  3. You can apply for a free 30 minute strategy session for credit card processing & ACH  here (link)

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