Solutions Built to Elevate Your Business Future Debt
Expert debt modification and resolution services for businesses facing financial challenges. We negotiate with creditors to reduce your debt burden and create sustainable payment plans.
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Get your personalized debt reduction plan
Comprehensive Debt Resolution Services
Our expert team provides tailored solutions to help your business overcome financial
challenges and achieve long-term stability.
Debt
Negotiation
Daily or weekly payments draining your cash flow? We renegotiate your MCA terms to significantly reduce payment frequency and amounts—so you can breathe again.
Loan
Modification
Modify existing loan terms to make payments more affordable while keeping your business operational.
Financial Restructuring
Comprehensive financial analysis and restructuring to optimize your business's debt structure.
Legal
Protection
Legal representation and protection from aggressive collection actions during the resolution process.
Your Trusted Partner in Financial Recovery
At ModiFi Financial, we understand that businesses face unexpected financial challenges. Our experienced team has helped hundreds of companies navigate through difficult times and emerge stronger than ever.
Michelle Daniels
2 months ago
“Modifi Financial helped us restructure our debt when no one else would. Their team was responsive, professional, and truly cared about our business.
Monty Abbott
11 months ago
“We were drowning in weekly payments. Modifi negotiated better terms and gave us room to breathe. Can’t recommend them enough.”
Sophia Turner
7 months ago
“Their process was smooth and stress-free. Within weeks, we saw a real difference in our cash flow. These guys know what they’re doing!”
Daniel Green
a year ago
“From start to finish, they were upfront and supportive. They helped us avoid default and gave our business a second chance.”
Trusted by 1,200+ Business Owners. Rated 4.9/5 for Debt Relief Solutions That Work.
Modifi Financial is the partner entrepreneurs choose when it’s time to take control, reduce payments, and move forward.
Have a Question? Look Here
What is commercial debt resolution?
Commercial debt resolution is the process of negotiating with your lenders to reduce payment amounts, extend terms, or settle outstanding business debts. It helps you avoid default and regain financial stability.
How is Modifi Financial different from other debt relief companies?
We focus exclusively on business debt, not personal. Our experts work directly with lenders to create realistic, customized solutions that fit your business cash flow, without forcing you into cookie-cutter programs.
Will debt resolution affect my business credit?
It depends on the strategy used. Our goal is always to minimize negative impact. In many cases, negotiating new terms can actually protect your credit by helping you avoid defaults or collections.
Do I have to close my business to qualify?
Not at all. Most of our clients continue operating while we work on their behalf. Our solutions are designed to keep your business alive and growing.
How long does the process take?
Most debt resolution plans take 2–6 weeks to negotiate and implement, depending on your lender’s responsiveness and the complexity of your situation.
What types of debt do you help with?
We assist with merchant cash advances (MCAs), business loans, lines of credit, equipment leases, and more. If your business owes it, we can likely help with it.
Is there a fee for your service?
Yes, we charge a fee based on the size and complexity of your debt situation. However, we only move forward if we know we can save you significantly more than the cost of our service.