Yes, it’s possible—and it’s one of the most common questions we get at Modifi.

Let’s explore how to fix your debt and protect your business credit at the same time.

What Impacts Your Credit?

Your business credit is affected by:

• Missed payments

• Defaults or collections

• High credit utilization

• Public judgments or bankruptcies

Avoiding those is key to keeping your score intact.

Smart Ways to Fix Debt Without Credit Damage

• Debt restructuring before default

• Communicating with lenders early

• Working with a resolution expert like Modifi

• Avoiding hard inquiries from multiple lenders

Modifi’s Credit-Protecting Approach

Our team works directly with lenders to:

• Negotiate flexible payment plans

• Delay defaults

• Avoid collections

• Keep your account in “good standing” while changing the terms

Real Client Story

“I was scared of ruining our business credit. Modifi handled the process professionally and helped me avoid a hit to our score.”
— Leo M., Service Company Owner

Take the Safer Route

You don’t need to burn your credit to fix your business debt.

Schedule a Credit-Friendly Debt Consultation