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What to Do When Your Business Is Managing Multiple Sources of Debt

Six Tips for Regaining Control Over Your Business Debt

Small business debtSmall-business loans, business credit cards, vendor lines of credit — with multiple sources of debt available, it can be oh-so-easy for you to lose control of your company’s finances if you are not careful. With business debt, what starts out as a slow flake today can quickly evolve into a full blown avalanche.

So, when it feels like your business debt is getting the better of you, what can you do to stop the snowball from getting any bigger? Here are six things you can do to help regain control over your business debt, even when your debt comes from multiple sources.

#1 – Prioritize Your Debts

Which debts are essential to keep your business running and which ones are just debts? Take the time to prioritize your debts so you know which ones must be paid first. If you have multiple business credit cards, then prioritize them by interest rates — let the card with the highest interest take the highest priority.

#2 – Revise Your Business’s Budget, or Create One if You Don’t Have One

Write down all of your monthly business expenses and go through your budget with a fine-toothed comb. Which expenses can you realistically get rid of without their loss impacting your business? If you can cut any corners, cut them and put that money toward paying off your highest priority debts.

#3 – Make Personal Sacrifices

If you are a sole proprietor, remember that you are personally responsible for your business’s debts, so you may want to take stock of your personal expenses and make some cuts there as well. Any money you can save can be put toward your business’s debt. It may be uncomfortable having to make personal sacrifices for your company, but which would you rather have more, your business or your gym membership?

#4 – Keep Your Debts Organized

With multiple debts, it can be easy to lose track of due dates. One way to help prevent this is to use a desktop calendar that syncs to your smartphone. You can set up alerts and reminders so you never miss another payment. Or, you can set up automatic bill pay through your business checking account if your bank provides the service so your bills always get paid on time.

#5 – Transfer Credit Card Debts to the Lowest Interest Card

If you have more than one business credit card, then transfer the debts to the card with the lowest interest rate if possible. This will consolidate your payments so you will have only one payment to make, and the lower interest rate should help you save money.

#6 – Negotiate With Creditors

If your business has relatively good credit, then you may be able to seek relief simply by calling and negotiating with your creditors. You may be able to change your payment due dates to a time of the month that is more financially comfortable for you, or you may even be able to negotiate a reduction in your interest rate if you have been a customer in good standing for a certain period of time.

Dave Donovan


Dave Donovan has written extensively for the web with a primary focus on articles targeting finance and business.