When payments are too high, terms are too short, or rates reflect a “quick fix” instead of a long-term plan, refinancing or reamortizing can reset the trajectory of your business. Instead of stacking more short-term debt, we look at ways to stretch terms, consolidate obligations, and move into structures that actually support your growth.
Extend amortization or move into better terms to reduce monthly pressure and free up cash flow.
Clean up multiple loans, advances, or lines into fewer, more structured obligations.
Turn “barely keeping up” into a realistic, sustainable payment plan that fits real-world revenue.
Not every loan should be refinanced. The goal is to improve your position over the next 12–60 months, not just kick the can. We help you decide when restructuring is a smart move and when status quo is safer.
Monthly payments on existing debt are crowding out payroll, inventory, or operating expenses.
You used fast or high-rate funding to get through a crunch and now need to transition into something longer-term.
A loan is approaching maturity or a balloon payment and you want to avoid a scramble at the last minute.
Every deal is unique, but most refinance and reamortization strategies fall into a few patterns. We walk through scenarios with you, including pros, cons, and break-even math.
Depending on your profile and collateral, we look at SBA, conventional bank, and non-bank options to restructure debt on the business side, real estate side, or both.
Refinance or reamortize loans secured by your operating location, especially when rates or terms can be improved.
Restructure existing SBA or conventional loans when policy allows, or refinance into new structures that better fit the business.
Replace expensive, short-term debt with more stable amortizing loans when cash flow and credit support the move.
Evaluate whether equipment loans, credit lines, or stacked obligations can be consolidated under cleaner terms.
Refinance and reamortization work is driven heavily by cash flow, collateral, and existing loan terms. We help you gather what lenders need so decisions can be made based on real numbers, not guesses.
We keep the front end simple and use our lender relationships to explore refinance and reamortization paths that actually fit your story.
We gather a basic overview of your business, existing debt, and goals — usually starting with our online prequalification form.
We review your numbers and outline realistic refinance or reamortization scenarios, including estimated payments and timelines.
Once you’re comfortable with a direction, we assemble the file and approach targeted lenders that fit your size, industry, and collateral.
We stay involved through approval and closing, helping you compare offers and understand how the new structure impacts cash flow.
If existing debt is driving all of the decisions in your business, it may be time to restructure. F.G. Howell acts as your advocate in conversations with lenders, focusing on payment relief and long-term stability, not just closing a loan.
Start Refinance AssessmentRefinancing usually means replacing your existing loan with a new loan, often at different terms, rates, or with a different lender. Reamortization typically keeps the same loan in place but stretches or adjusts the repayment schedule, changing your payment amount without fully replacing the note.
Sometimes. There are specific SBA rules around when and how existing SBA or government-backed loans can be refinanced. Part of our role is reviewing your current loan documents to see what is allowed and what isn’t.
Not always, and not always for the right reasons. Payments can drop by stretching the term, but overall interest cost may increase. We walk through the math with you so you understand both payment relief and total cost over time.
In some cases, yes, especially when business cash flow has stabilized or improved. Lenders will look closely at recent performance and how the new structure will be supported by revenue.
We’ll tell you. Sometimes the best move is a short-term plan to improve cash flow, clean up financials, or wait for better timing. We can still help you think through what moves to make so a future refinance is more likely to be approved.
If the math doesn’t make sense, we say so. Our goal is a stronger business after the refinance, not just a closed file.
We work with SBA, conventional banks, and specialty lenders so you’re not locked into a single path.
We center the conversation on what the business can realistically handle, not just what looks good on a rate sheet.
We know what lenders want to see and how to position your story so decision makers can say yes when it makes sense.
Refinancing is a step, not the finish line. We help you think beyond this loan to your next phase of growth.