Safe Harbor SB

Borrowing money is the only option most small businesses have to raise capital. Banks generally don't lend to most small businesses, pushing owners to "alternative finance".

Alternative finance can be highly valuable, and may be the only option. However, many of these deals are complex and if not properly managed, can lead to cash flow issues.

Cash Flow problems mean choosing between paying your creditors and paying your bills. Default on your debt and creditors can seize assets and file lawsuits, effectively shutting down your business. Stop paying your bills and you lose work, customers, and vendors, which can also shut down your business.

There is a solution: restructure your debt to match your business' cash flow and your debt service. More simply put, you have to lower your debt payments so they are affordable.