Plan the way out
Exit planning for short-term loans
Every short-term loan needs a way out. Refinance, sale, money owed to you or trading cash flow — how to plan it, prove it and keep a plan B.
Plan the exit first
A short term loan exit plan names the repayment source, the amount, the date, the evidence and a fallback. How to write one in five parts before you commit.
Read more →Refinance to a bank
How to refinance a short term business loan to a bank: what banks look for, a 9-month timeline, common hold-ups and how to protect the exit if approval lags.
Read more →Extensions & rollovers
What to do when a short-term business loan is due and the exit isn't ready: how extensions and rollovers work, what they cost and how to ask for one well.
Read more →Avoiding debt stacking
Business loan stacking means running several short-term loans at once, each with its own repayments. How it starts, why it's risky and how to consolidate.
Read more →Repaying from a sale
Using a property, asset or business sale to repay a short-term business loan: how to estimate net proceeds, set a realistic timeline and plan for a slow sale.
Read more →Repaying from money owed
Using a tax refund, contract payment, insurance claim or debtor invoice to repay a short-term business loan: how lenders view each and how to plan for delays.
Read more →See what your business could qualify for
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