🏢 SBA Debt Specialists

Resolve Your SBA Loan Debt & Protect Your Future

Struggling with EIDL, PPP, or other SBA loans? Our experts negotiate directly with the SBA to reduce your debt, prevent Treasury referral, and protect you from personal guarantee liability.

Average Client Savings

Off Original SBA Debt

0 %

Example Settlement

Original EIDL Loan

$150,000

Accrued Interest

$12,500

Settlement Amount

$40,625

We Handle All SBA Loans

SBA Loan Types We Resolve

No matter what type of SBA loan you’re struggling with, our team has the expertise to negotiate a favorable resolution.

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EIDL Loans

Economic Injury Disaster Loans from COVID-19 and other disasters

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PPP Loans

Paycheck Protection Program loans that weren’t forgiven

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7(a) Loans

SBA’s primary program for small business financing

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Disaster Loans

Loans for businesses affected by declared disasters

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504 Loans

Loans for major fixed assets like real estate and equipment

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Microloans

Small loans up to $50,000 for startups and small businesses

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Export Loans

Financing for businesses engaged in exporting

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Express Loans

Expedited SBA loans with faster approval times

Do You Need Help?

Signs You Need SBA Loan Relief

If any of these situations apply to you, it’s time to get professional help before your debt escalates further.

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Default Notices

Receiving collection letters from SBA or their servicer

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Treasury Referral

Debt has been or is about to be sent to Treasury

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Personal Guarantee

You signed a personal guarantee and fear personal liability

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Business Closed

Your business failed but SBA debt remains

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Can't Make Payments

Monthly payments are more than you can afford

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Growing Balance

Interest and fees are making your debt grow

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Forgiveness Denied

PPP or EIDL advance wasn’t forgiven as expected

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Legal Threats

Facing lawsuit or judgment for SBA debt

Our SBA Services

Comprehensive SBA Debt Relief

We know the SBA system inside and out. Our team uses every available strategy to reduce your debt and protect your assets.

SBA Offer in Compromise

We negotiate directly with the SBA to settle your loan for significantly less than you owe. Many clients settle for 25% or less of their original balance through our proven OIC strategies.

Loan Modification

Can’t pay the full amount? We negotiate modified repayment terms including reduced interest rates, extended terms, and lower monthly payments that fit your budget.

Treasury Referral Prevention

Once your debt goes to Treasury, collections become aggressive. We intervene early to prevent Treasury referral and the severe consequences that follow.

Personal Guarantee Defense

Signed a personal guarantee? We work to minimize or eliminate your personal liability, protecting your personal assets from SBA collection actions.

Business Debt Restructuring

For businesses still operating, we develop comprehensive restructuring plans that address SBA debt while keeping your business viable and moving forward.

EIDL Loan Resolution

Specialized expertise in resolving COVID-era EIDL loans. We understand the unique rules and opportunities for EIDL debt settlement and negotiation.

How It Works

Your Path to SBA Debt Freedom

Our proven 4-step process has helped hundreds of business owners resolve their SBA debt. Here’s exactly what to expect.

1

Free Consultation

We review your SBA loan documents, assess your situation, and explain all available options—completely free with no obligation.

2

Case Analysis

Our team analyzes your financial situation, loan terms, and SBA guidelines to develop the optimal resolution strategy for your case.

3

SBA Negotiation

We negotiate directly with the SBA, their servicers, and collection agencies on your behalf, fighting for the maximum reduction possible.

4

Resolution

Once approved, we finalize your settlement or modification, ensure all terms are met, and you’re free from SBA debt stress.

Common Questions

SBA Loan Relief FAQs

Get answers to the most common questions about resolving SBA loan debt.

How much can I save on my SBA debt?

Our clients save an average of 75% off their original SBA debt. Actual savings depend on your specific financial situation and loan type, but many clients settle for a fraction of what they owe through Offer in Compromise programs.

Is there a minimum debt amount you work with?

No, we have no minimum debt requirement. Whether you owe $20,000 or $2 million, we can help you explore your options and find the best path to resolution.

My business closed. Am I still responsible for the SBA loan?

Unfortunately, yes—especially if you signed a personal guarantee. However, we can often negotiate significant reductions or favorable settlements even after business closure. The key is acting before the debt goes to Treasury.

What happens if my SBA debt goes to Treasury?

Treasury collection is aggressive—they can garnish wages, offset tax refunds, and seize Social Security. We work to prevent Treasury referral, but even if it’s already happened, we have strategies to negotiate and resolve Treasury-held debt.

Can you help with EIDL loans specifically?

Absolutely. EIDL loans are one of our specialties. We understand the unique SBA guidelines for COVID-era EIDL loans and have successfully negotiated settlements for hundreds of EIDL borrowers.

How long does the SBA resolution process take?

Most SBA cases resolve within 4-8 months, depending on complexity and whether the debt has been referred to Treasury. We’ll give you a realistic timeline during your free consultation.

After my restaurant failed during COVID, I was left with a $150,000 EIDL loan and no way to pay. I thought I’d lose everything. Debt Delete negotiated with the SBA and settled the entire loan for $38,000. They saved my family’s future.

Original EIDL Debt

$ 0 k

Settlement Amount

$ 0 k

Total Savings

0 %

Time to Resolution

0 Mo

Get Your Free SBA Loan Analysis

Find out your options, potential savings, and the best strategy for resolving your SBA debt. No obligation, completely confidential.

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Call Us

(800) 555-DELETE

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Hours

Mon-Fri: 8AM – 8PM EST

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Email Us

help@debtdelete.com

Our Credentials

🏢 SBA Specialists

📊 75% Avg Savings

🛡️ Licensed 50 States

Request Your Free Consultation

Fill out the form below and an SBA debt specialist will contact you within 24 hours.