Business debt refinancingRefinance existing business debt.
SBA financing advisory & placement
Explore whether refinancing can leave more cash for operations. AWG compares payments, terms and total cost to assess whether replacing eligible debt improves the business’s position.
AWG Capital Advisory is not a lender. Financing is subject to lender underwriting and approval.
The financing decisionStart with what the debt is doing to the business.
We compare eligible replacement debt with what you owe today: monthly payments, fees, total interest and the cash left to run the business.
Payments are constraining operations
Assess whether eligible refinancing could release operating cash, and what a longer repayment term would mean for total interest.
A maturity is approaching
Review the existing terms and financing options early enough to understand the path before the maturity becomes urgent.
Multiple obligations complicate cash flow
Assess which debts may qualify for refinancing and compare the complete cost and structure of a replacement.
Through the credit lensIllustrative scenario
A smaller payment needs a complete comparison.
- The situation
- A business owner is managing several debt payments and wants more room in the monthly operating budget.
- The credit question
- Would refinancing create a meaningful benefit after fees, prepayment costs, interest over time and any changes in guarantees or collateral?
- AWG’s role
- We would review the debt schedule, original loan uses, payment history and financials, then compare eligible structures and suitable lenders without assuming a lower payment means a lower total cost.
Compare a lower payment with the remaining cost
Hypothetical assumptions, not a completed AWG transaction, loan quote or eligibility decision.
Assume the same $300,000 principal is repaid on level monthly schedules, with no balloon, prepayment charge or rate change. Refinancing fees are paid upfront, not financed.
| Measure | Keep existing debt | Refinance |
|---|---|---|
| Principal being repaid | $300,000 | $300,000 |
| Remaining / new term | 36 months | 60 months |
| Assumed monthly payment | $10,000 | $6,400 |
| Upfront refinancing fees | $0 | $9,000 |
| Remaining payments including upfront fees | $360,000 | $393,000 |
The monthly payment falls by $3,600, but remaining cash payments increase by $33,000 because repayment lasts longer and fees are added. Payment relief and total savings are different decisions.
Totals include principal and financing charges; they are not interest alone or a present-value comparison. No current interest rate, SBA eligibility or refinancing benefit test is assumed.
Client perspective
“Having the support of a trustworthy and highly capable advisor made the process a lot less stressful.”
Start hereStart with your financing.
Tell us the amount and timing. We’ll start with the financing and the business behind it.
No documents needed to start. Requests of $500,000 and above begin AWG’s assessment; for other loan sizes, we introduce you to a trusted specialist financing partner.
Our processCredit work before lender outreach.
- 01
Assess
We review your financials, business operations and financing needs.
- 02
Pressure-test
We test repayment capacity, SBA eligibility and credit risks.
- 03
Optimize
We refine the structure, match suitable lenders and prepare the credit memo.
- 04
Execute
We help you evaluate lender terms and guide you through approval and closing.
FAQBefore you begin.
SBA 7(a) can refinance eligible business debt; SBA 504 has separate qualified-debt requirements. The existing obligation and proposed benefit determine whether either path is suitable.
Program references: SBA 7(a): business debt refinancing · SBA refinancing policy: Appendix 14 · SBA 504: qualified debt
Can SBA financing refinance existing business debt?
SBA 7(a) can refinance eligible business debt. Certain qualified fixed-asset debt may fit SBA 504 refinancing rules. Eligibility is specific to the original debt, use of funds, payment history and proposed benefit; not every obligation qualifies.
Can I refinance an existing SBA loan?
Potentially. SBA 7(a) permits refinancing certain existing SBA loans when the applicable requirements are met. The original program, lender, payment history and proposed benefit affect eligibility. Existing 504 projects have separate rules. We review the loan documents, any prepayment costs and the full replacement structure before assessing a path.
Will refinancing reduce my payment or interest rate?
That cannot be promised before review. A lower payment can result from a longer term and may increase interest paid over time. We compare the proposed terms, costs and operating benefit before recommending a financing path.
When does refinancing business debt make sense?
It may make sense when eligible replacement financing creates a meaningful operating benefit after fees, prepayment costs and interest over time are considered. Review the existing obligations and repayment capacity before assuming that consolidating debt improves the business’s position.
What should I have ready?
A current debt schedule, loan agreements, payment history and recent business financials are a useful starting point. You do not need to upload documents to begin the initial qualification flow.
Is AWG the lender?
AWG is an SBA financing advisor and placement firm. We assess the request, prepare the credit memo, identify suitable lenders and help you evaluate their offers. We guide you through lender review, approval and closing. The lender makes the credit decision; financing is subject to approval.
Who pays AWG’s placement fee?
Our financing placement fee is paid by the lender at closing. If applicable, any separate advisory scope and fee are agreed with you at the outset. Lender fees and third-party closing costs are separate.
Does an inquiry or referral mean I’m approved?
No. An initial inquiry or partner introduction is not a credit approval or a commitment to lend. Financing is subject to lender underwriting, approval and applicable SBA requirements.