Whether due to the real estate crash of the mid-2000s or the recent pandemic, a situation where revenue cannot support operating expenses and debt is a daunting place to be.

As we have seen over the years, market fluctuations and economic shifts can be sudden, leaving your business with an excessive amount of debt that seems nearly impossible to manage.

If you have at least $1 million in corporate and/or commercial real estate debt, you need PHD Financial now. We have been successfully reducing and refinancing clients’ corporate, commercial real estate, and SBA debt for more than 30 years. We can significantly

  • Lower your payments
  • Extend terms
  • Reduce principal
  • Reduce interest rates

Avoiding Bankruptcy Through Strategic Debt Restructuring

Bankruptcy may seem like a quick fix, but it often hinders a company’s ability to reorganize and grow. At PHD Financial, we urge companies facing financial distress to consider debt restructuring as a viable alternative. Our tailored solutions cater to a diverse range of businesses, from hotels and retail centers to medical practices and apartments, offering a sustainable path towards financial recovery.

Here are just some of the business categories we work with to help turn things around-

  • Hotel/Motel
  • Retail Centers
  • Office Buildings
  • Family Amusement Centers

  • Senior Living Facilities
  • Gas Stations
  • Salons & Day Spas
  • Medical Buildings & Practices

  • Self Storage
  • Pet Care & Veterinary
  • Restaurants
  • Franchises

  • Apartments & Multifamily
  • Gyms & Fitness Centers
  • Golf Courses

So, whether you own a retail center, commercial office building, multifamily apartments, hotel or motel, or any commercial business that is in default or behind on loan payments, PHD Financial can help.

Customized Debt Repayment Plans for Sustainable Growth

PHD Financial has strong relationships with lenders and the SBA, giving us leverage to successfully negotiate on your behalf. We thoroughly assess your specific financial situation; and work with your creditors and vendors to find a balanced solution. This may involve a combination of commercial debt restructuring and new or refinancing. We design affordable debt repayment plans to meet the approval and satisfaction of all parties involved.

Contact us to discover how commercial debt restructuring can offer you a better solution; and put your business back on track for growth.

Some things to anticipate as we move forward with the debt restructuring process…

Have all your financial paperwork in order

PHD Financial will need to determine what course of action to take with your situation. We will need the business’s prior two years’ P&L, balance sheet, and the guarantor’s personal financial statement.

From this information, we can determine whether you are a viable candidate for restructuring before we take you on as a client.

Preserve enough liquidity
for the task

A prerequisite to successful restructuring is having enough liquidity (cash) to carry through the restructure. If you wait too long to begin the process and drain yourself of cash and available credit, a successful restructure becomes more difficult.

Your debt restructuring professionals — and in some instances your lenders — will need to be paid retainers, appraisal, and legal fees.

Commercial debt restructuring isn’t only about eliminating debt. It is also about finding new sources of commercial financing to help your business grow. With the help of our experts, businesses that were once in financial turmoil have been able to raise the capital they needed, focusing on expansion rather than trying to solve their fiscal dilemmas.

By maintaining open lines of communication–as opposed to rushing to bankruptcy– we can resolve your financial problems while maintaining your business relationships and credibility.

Leave all communications with creditors to PHD Financial

Throughout the restructuring process, you can count on PHD Financial to deal with all of your creditors so you can focus on running your business. Key to the process is the client directing all communications with the lender to PHD Financial so that we can negotiate on your behalf. Your trust and confidence in our method will result in a successful outcome for you.
PHD Financial is your advocate, fighting for the best outcome for your business. Our goal is to help your company become financially healthy again, providing you with a path forward to long-term success.
Contact PHD Financial today to start the debt restructuring process and put your business back on track for growth.

Quality Inn

Quality Inn and Super 8

Structured a purchase of both properties’ 1st position notes for a combined discount of $660,000. Negotiated a $200,000 payoff of the $1,240,000 SBA second mortgage on the Super 8 (with release of collateral and personal guarantees), resulting in combined savings of $1,700,000.

Red Roof Inn

Red Roof Inn

Reduced interest rate from 26.99% to 0% with payment plan for remaining balance of a working capital loan. Modified the second position mortgage, reducing the payment from $5,950 to $1,000 for 12 months, resulting in more than $150,000 in savings to the borrower.

Independent Restaurants

Independent Restaurants
Texas & Utah

Negotiated a discounted payoff of two restaurants that were in default and closed. One was discounted $104,000, and the other was discounted $54,000, for a total savings of $158,000; and the complete settlement of all personal liability on the loans.



Organized the short sale. Negotiated discounted payoffs of the outstanding 1st and 2nd mortgages, for $46,900 and $652,000 respectively, for a total savings of $698,000; and a full release of all partners’ personal guarantees.

Studio 6

Studio 6

Saved $700,000 on SBA 504 by offer in compromise on original balance of $1,000,000.

Quality Inn

Quality Inn and Suites

Saved $1,000,000 on first mortgage of $2,000,000 by negotiating a discount note purchase with arranged take out financing.

Sleep Inn

Sleep Inn

Saved $900,000 on SBA 504 on original balance of $1,200,000.

Comfort Suites

Comfort Suites

Negotiated abatement of all interest and CDC fees on SBA 504 loan, saving the client $1.35 million.



Saved $1,250,000 by discounted pay-off on original first mortgage balance of $3,300,000.

Holiday Inn

Holiday Inn Express

Saved $1,200,000 on discount of first mortgage of $6,000,000.

Limited Service Hotel
Jackson, MS

PHD Financial just saved me $500k on my unflagged property!

Limited Service Franchise Hotel
College Park, GA

PHD Financial just saved me $500k on my unflagged property!

Limited Service Franchise Hotel
Macon, GA

PHD Financial got our $950k+ SBA 504 loan reduced down to $300,000 making it possible for us to pay it off, and now we are out of debt.

Medical Imaging Company
Mesa, Arizona

Paul found a buyer for our company and got us relinquished from our personal guarantees on our mortgage and FF&E.

Restaurant Client Silver
Spring, MD

I was in default of my loan and PHD Financial got it reduced by over $1 million dollars and got my property refinanced at a lower rate.

Limited Service Franchise Hotel
Atlanta, GA

I was being foreclosed in a week and PHD got the foreclosure postponed and within two months, got our debt reduced $450,000, plus they found a $100,000 overcharge which our bank ultimately refunded.

For more information on our services, call and speak with one of our consultants today. We can answer any questions and begin to address your needs.