If you’re considering business debt help, you’ve likely heard the terms restructuring and settlement—but what do they actually mean?

Let’s break it down so you can make the right decision for your business.

What is Debt Restructuring?

This means modifying your existing debt—changing payment terms, interest rates, or length of the loan—so it’s easier to manage.

It’s ideal if:

• You’re still making payments

• You want to maintain good standing

• You want to avoid damaging your business credit

What is Debt Settlement?

Debt settlement is when you negotiate to pay less than the total amount owed, typically in a lump sum.

It’s ideal if:

• You’ve already defaulted

• Your business is struggling

• Credit damage is less of a concern than survival

Which Is Right for You?

It depends on your goals. At Modifi Financial, we don’t force a one-size-fits-all answer. We evaluate your financials and recommend the least damaging path forward.

Real Client Story

“We thought settlement was the only option, but Modifi showed us how to restructure and keep our credit intact. They saved us from a huge mistake.”
— Sarah L., Logistics Company

The Right Help = The Right Outcome

Whether restructuring or settlement is right for you, don’t go it alone.

Get a Free Debt Assessment Now