Total repayment
A longer term can reduce the scheduled payment while increasing the total amount paid.
Business debt refinancing
Start with what you owe.
Daily withdrawals and overlapping payments can leave less cash to run the business. Review your current balances, payments, and payoff terms before making another financing decision.
Request a debt reviewCalculate payment burdenRequest a debt review
Tell us what you want to improve.
This request is about your current business debt. You do not need to request additional capital.
Send a brief overview. We can then discuss your obligations and the information needed to evaluate refinancing.
Start with your payment schedule and what you would like to change.
admin@livcgroup.comYour payment schedule
See the combined payment burden.
Enter your actual payments. Compare weekly, monthly, and annualized totals.
Current weekly equivalent—
Current monthly equivalent—
Current annualized burden—
Optional: proposed structure
Difference per week—
Difference per month—
Difference per year—
Payment equivalents use 260 business days, 52 weeks, 26 two-week periods, or 12 months per year. They do not show payoff cost or account for when an obligation ends. A negative difference means a lower payment burden.
The review process
Compare the full cost of a change.
- 1
List the debt
Balances, payment amounts, frequency, remaining terms, and lenders.
- 2
Confirm payoffs
Current payoff figures, early-payment terms, and existing liens.
- 3
Review cash flow
Revenue and operating expenses alongside the current payments.
- 4
Compare terms
Payment amount, frequency, total cost, fees, and repayment period.
Before you refinance
A lower payment is only part of the decision.
Payoff terms
Existing fees, payoff amounts, and lien releases affect whether a change makes financial sense.
Eligibility
Current performance, payment history, and program requirements determine which options are available.
After the initial discussion
What the review may require.
Start with an accurate debt schedule. Supporting documents depend on the obligations and financing being considered.
- Current balances and payoff letters
- Payment amounts and frequency
- Recent business bank statements
- Financing agreements and lien information
- Year-to-date financial statements when needed
Review the debt you already have.
Discuss the payments and payoff terms affecting your business.