Published articles from Debt Consultants Group.
I want to scale my business, but I don’t have enough available cash flow. Sounds familiar? You’re not alone. According to a recent Federal Reserve report, 51% of U.S. small businesses say uneven cash flow is one of their biggest hurdles, and 56% said they struggle just to cover operating expenses. When cash flow feels…
Feeling overwhelmed by business debt while managing payroll, vendor payments, and growth? You’re not alone. Without a clear, actionable repayment strategy, it’s easy to lose control of your cash flow and put your company’s financial health at risk. That’s why having a solid plan isn’t just practical—it’s fundamental to safeguarding your business’s future. Two proven…
Uncertainty is the new normal for business owners in 2025. Recent Trump-era policies have increased costs and led to more predatory lending—especially high-cost merchant cash advance (MCA) loans. For many, these changes make it harder to keep finances organized and access affordable capital, putting even well-run businesses at risk. In this challenging environment, organizing your…
Most business owners keep a close eye on their personal credit score but often overlook their business credit. Yet, business credit is equally important. It’s directly tied to your company’s reputation and financial credibility, influencing everything from securing capital to negotiating with suppliers. Your business credit score is more than just a number—it’s a tool…
A healthy debt-to-income (DTI) ratio for small businesses is 36% or lower–a threshold cited by many business lenders and financial experts as a sign of manageable debt levels for commercial borrowers. This means less than 36% of your gross monthly income goes toward debt payments—a level that signals to lenders your business is managing debt…
Many business owners feel trapped by relentless MCA payments, but the path to financial freedom can start with a single, strategic step—building a budget. If merchant cash advances (MCAs) are draining your cash flow and blocking your growth, a clear, actionable budget is the first tool you need to regain control and chart a course…