Detailed description
Debt financing is a broad category for businesses that need borrowed capital to support operations, refinance existing obligations, consolidate expensive payments, improve cash flow, or create a more manageable repayment structure. This section includes both new debt options and restructuring solutions for businesses that already carry loans, advances, credit cards, vendor balances, tax obligations, or other business debts.
The 37D Debt Financing, Restructuring and Consolidation Funding option is designed for businesses seeking to reduce cash-flow pressure, consolidate expensive obligations, or replace short-term debt with a more manageable structure where possible.
This option may be suitable for businesses with multiple cash advances, credit cards, vendor obligations, high-interest debt, tax obligations, or short-term loans that are creating pressure on daily or weekly cash flow.
Potential uses include
- MCA consolidation
- Credit card consolidation
- High-interest business debt refinance
- Vendor debt support
- Reducing payment pressure
- Replacing short-term debt
- Improving cash flow
- Stabilizing operations
- Creating a repayment plan
- Preparing for better financing later
Potential qualification factors may include
- Current debt schedule
- Payoff statements
- Business revenue
- Bank statements
- Credit profile
- Collateral availability
- Payment history
- Existing liens
- Cash-flow pressure
- Use of funds
- Tax or legal issues
- Realistic refinance capacity
Not every business will qualify for consolidation. The file must have enough revenue, credit, collateral, or provider support to justify a better structure. Businesses should carefully compare total cost, term, and cash-flow impact.
Product fit at a glance
- Best fit
- Businesses under payment pressure
- Typical review focus
- Debt stack and refinance capacity
- Guide notes
- Can help reduce cash-flow pressure if eligible.
For businesses under payment pressure from expensive debt, 37D Debt Financing, Restructuring and Consolidation Funding may be a possible fit.
Funding process and document preparation
Requirements depend on the product and provider. Do not send every document below by default; the team will confirm what your file needs.
How the funding process works — all eight steps
Step 1: Complete the 37D Capital intake form
The applicant completes the intake form with basic information about the business, funding need, requested amount, use of funds, timeline, industry, credit estimate, revenue, collateral, property information, purchase order information, inventory information, asset details, or invoice details, depending on the funding request.
Step 2: Initial pre-screen
37D Capital reviews the applicant’s business profile, funding request, funding purpose, time in business, revenue, industry, credit estimate, available collateral, receivables, customer base, real estate ownership, property information, investor experience, purchase orders, inventory, assets, and intended use of funds.
Step 3: Credit review or prequalification
If the file appears potentially eligible, the applicant may be asked to complete a credit authorization, provide a recent credit report, or complete a soft-pull or prequalification step. This helps determine which funding options may be realistic before additional time is spent collecting documents or submitting the file.
Step 4: Product matching
Based on the applicant’s credit profile, revenue, business history, collateral, funding purpose, property type, real estate experience, liquidity, accounts receivable, purchase orders, inventory, customer strength, asset value, and documentation, 37D Capital identifies potential funding options through its capital network.
Step 5: Document collection
Required documents may include bank statements, identification, ownership verification, business documents, credit reports, property information, purchase agreements, appraisals, leases, rent reports, insurance, entity documents, construction budgets, contractor documents, real estate schedules, tax documents, financial statements, accounts receivable aging reports, invoices, customer lists, purchase orders, supplier quotes, inventory lists, equipment invoices, asset valuations, or other underwriting materials.
Step 6: Submission to the appropriate funding provider or partner
Once the file is complete, 37D Capital may submit the opportunity to the appropriate funding provider, lender, broker, factor, leasing company, funder, or capital partner for review.
Step 7: Offer review
If one or more options are available, the applicant reviews the funding amount, cost, terms, repayment structure, fees, conditions, collateral requirements, closing requirements, customer verification requirements, and provider requirements.
Step 8: Closing, verification, and funding
If the applicant accepts an offer and completes all conditions, the funding provider completes final verification, closing, and funding steps.
Common documents that may be requested — full checklist
- Completed intake form
- Business funding application
- Photo identification
- Business bank statements
- Personal or business credit report
- Business formation documents
- Articles of organization or incorporation
- Operating agreement or bylaws
- EIN documentation
- Proof of ownership
- Purchase and sale agreement
- Appraisal or valuation
- Property insurance
- Lease agreement
- Market rent report
- Schedule of real estate owned
- Contractor information
- Contractor license
- Contractor insurance
- Construction budget
- Construction plans
- Permits
- Proof of liquidity
- Tax documents or financial statements
- Existing mortgage or debt statements
- Payoff statements
- Factoring application
- Current accounts receivable aging report
- Customer list
- Sample invoices
- Proof that goods or services were delivered
- Existing factoring information, if applicable
- Banking information
- Tax information
- Insurance information
- Transportation details, if applicable
- Motor carrier number, if applicable
- Number of trucks, if applicable
- Customer payment terms
- Confirmation of whether receivables are pledged elsewhere
- Recent merchant processing statements, if applicable
- Purchase orders
- Supplier quotes
- Customer contracts
- Customer credit information
- Proof of delivery or fulfillment process
- Inventory list
- Dealer license, if applicable
- Equipment invoices
- Vendor quotes
- Asset ownership documents
- Equipment titles, if applicable
- Serial numbers or VINs
- Appraisals or equipment valuations
- Proof of insurance
- Payoff statements for existing liens
- Business financial statements
- Existing debt schedules
- Use-of-funds explanation
- Grant or incentive program materials
- Business acquisition letter of intent or purchase agreement
- Franchise disclosure documents
- Commercial leases and rent rolls
- Environmental or property reports
- IP or patent documentation
- Investor deck or private placement materials
- Customer proposals or vendor financing documents
- Tax authority correspondence, if applicable
- Other underwriting documents requested by the funding provider
Compare all 40 funding products and read the full process guide →
Important funding disclosures
37D Capital is not guaranteeing approval, funding amount, rate, term, cost, offer availability, closing, or timing. Funding options may be provided by third-party lenders, brokers, funders, factoring companies, leasing companies, capital providers, referral partners, or other financing sources. All programs are subject to underwriting, documentation, credit review, eligibility, collateral review, receivables review, property review, customer verification, supplier verification, inventory review, asset review, provider approval, applicable laws, and market conditions.
37D Capital may receive compensation, referral fees, broker compensation, commissions, or other payments from funding providers, lenders, brokers, factoring companies, leasing companies, or partners where permitted.
Applicants should carefully review all terms, fees, repayment obligations, closing costs, rates, factoring fees, advance rates, reserves, factor rates, holdbacks, collateral obligations, customer payment requirements, leasing payments, repurchase options, and conditions before accepting any funding offer.
Submitting an intake form does not create a lending commitment, advisory relationship, fiduciary relationship, approval, or guarantee of funding.
Before you enquire
Is this suitable for my business?
Share your location, intended use and timing. The team confirms suitability, availability and the proposed scope before an engagement.
How do I get pricing?
Use the pricing enquiry with fast-track code P10038. Tell us the scope, location, expected usage or funding need and timing so the team can review the relevant costs and terms.
What happens after I enquire?
The team reviews your context and the selected service, then agrees a useful next step: information, a conversation, pricing or a partner discussion. An enquiry does not book a call or create a purchase commitment.
Who we work with
37D excludes cannabis businesses, businesses with 51% or more of sales from alcohol, gaming businesses and businesses involving nudity from its services and acquisitions. All alcohol products are excluded from sourcing and trade. Higher Ground beverage supply to casino customers is a limited exception to the gaming-business exclusion; it does not extend to gambling operations, financing or acquisitions.