Your Business Deserves a Way Out of Debt.

Important: Safe Turn Advisory works exclusively with business owners facing business debt. We do not provide personal debt relief, consumer credit counseling, or individual bankruptcy services.

Get Your FREE Business Restructuring Plan

Tell us about your situation and we'll reach out within 1 business day.

We Cannot Help With:

• ✕ Personal credit card debt or consumer loans
• ✕ Student loan debt or personal medical bills
• ✕ Personal mortgage or auto loan restructuring
• ✕ Individual bankruptcy filings or legal representation
• ✕ Consumer credit counseling or debt consolidation

We Specialize In:

• Business debt restructuring for companies up to $50M revenue
• Merchant cash advance (MCA) relief & renegotiation
• Multi-lender creditor negotiation & workout plans
• Cash flow stabilization & crisis recovery planning
• Protecting payroll, operations & vendor relationships

Payments You Can't Keep Up With

Daily MCA debits and stacked loan payments are draining cash before you can make payroll or pay suppliers.

Multiple Lenders Calling at Once

Creditors, MCA providers, and collection agencies are all demanding attention — simultaneously — with no clear resolution in sight.

Payroll Pressure & Sleepless Nights

You built this business to take care of your team. Now you're lying awake wondering if you can make next Friday's payroll.

MCA Advances Draining Cash Flow

Merchant cash advances felt like a lifeline — but the daily factor payments are now strangling the business you worked so hard to build.

Feeling Stuck With No Good Options

You've looked at the numbers from every angle. Every path forward seems to lead to more debt, more pressure, or losing the business entirely.

No Trusted Advisor in Your Corner

Generic debt relief companies don't understand business. You need someone who speaks the language of operations, cash flow, and creditor strategy.

Assessment & Cash Flow Review

We quickly understand your debt structure, business operations, and what's driving the pressure — with no judgment and full confidentiality.

Creditor Strategy + Restructure Plan

We identify the best path forward — negotiation, restructuring, settlement, or a hybrid solution — tailored to your specific situation.

Execution + Stabilization

We help implement the plan so your business can breathe again, protect what matters most, and rebuild toward long-term financial health.

Business Debt Restructuring

Renegotiate terms, reduce payments, and create a sustainable repayment structure that matches your cash flow.

Creditor Negotiation Support

We handle the creditor conversations so you can focus on running your business instead of fielding collection calls.

Cash Flow Stabilization

Identify cash flow gaps, prioritize obligations, and create a stabilization plan that keeps operations running.

MCA Relief Strategies

Specialized strategies for merchant cash advance stacking, daily debit relief, and factor rate renegotiation.

Multi-Lender Workout Plans

Coordinate across multiple lenders to consolidate pressure into a single, manageable resolution strategy.

Crisis Planning & Recovery Roadmap

Short-term triage and a long-term recovery roadmap so you know exactly what to do next — and why.

"We had four MCA advances stacking on top of each other. Safe Turn helped us restructure everything into one manageable plan. We kept our team and our doors open."

"I was getting calls from 6 different lenders every day. Within two weeks of working with Safe Turn, the calls stopped and we had a real plan. I finally slept through the night."

"Safe Turn didn't just help with the debt — they helped me understand my cash flow in a way I never had before. The recovery roadmap gave me back my confidence as an owner."