- CA : 1001 Wilshire Blvd, Los Angeles, CA 90017
- NY: 1178 Broadway, 3rd Floor #3067, New York, NY 10001
Is debt becoming a prominent problem for your business? You probably need a comprehensive plan to get out of it once and for all.
Our Debt Planning & Reduction Services help you cut interest, lower payments, and get out faster—without the stress. Smart strategy, real results, and your financial freedom back on track.
Happy Clients
Years in industry
Strong team
Hours of Service
Happy Clients
Years in Industry
Strong Team
Our process begins with a comprehensive review of your debt, income, expenses, and existing obligations. We don’t rely on templates—we build a plan based on the specifics of your financial structure. This ensures that every recommendation we make is grounded in your actual numbers, not broad assumptions or estimates.
We manage all communication with creditors on your behalf. This includes negotiating lower interest rates, revised payment terms, and potential settlements. Our experience in dealing with financial institutions gives us the ability to approach these conversations strategically and professionally, reducing the stress on your internal team or personal time.
We don’t just tell you what to pay—we map out a step-by-step plan that shows when each debt will be cleared and what savings are possible through optimized repayment strategies. This gives you clarity and measurable benchmarks to track progress and make informed decisions going forward.
Reducing debt is one part of the solution. We also work with you to improve financial habits that contributed to the debt in the first place. That includes refining cash flow management, tightening budgeting practices, and adjusting spending behavior—so the improvements are sustainable, not temporary.
Our advice is impartial. We don’t earn commissions or referral fees from lenders or outside partners. This ensures that all recommendations serve your interests only. You receive independent, conflict-free guidance based solely on what's best for your financial outcome.
From individuals to small business owners, we’ve worked with a range of clients to reduce unsecured debt, restructure business liabilities, and create stable repayment plans. Our approach is process-driven, numbers-based, and focused on results—without the need for high-profile marketing or exaggerated claims.
Since we launched, we’ve worked with clients who felt stuck- maxed-out credit cards, rising interest charges, and no clear way out. Some had multiple loans with different terms, others were juggling payments without knowing what was making a real dent. We stepped in to organize the chaos.
We’ve negotiated directly with creditors, consolidated debts into manageable plans, and built repayment schedules that fit actual cash flow. Clients have told us the biggest relief wasn’t just reducing debt—it was finally having a plan they could understand, follow, and trust to get them back on track.
Most of our clients approach us with these problems:
Our process of working with you starts with gathering a complete view of your current debt situation. This includes balances, interest rates, terms, payment history, and any existing arrangements with lenders. We organize the data into a clear, structured overview so you know exactly what you’re dealing with—no hidden obligations, no missed details.
Next, we assess your available cash flow and financial obligations to determine what you can realistically allocate toward debt reduction each month. We factor in essential expenses, income variability, and short-term commitments to make sure the plan fits your actual financial situation, not just an ideal version of it.
Once we know what’s possible, we design a strategy to reduce your debt in the most efficient order—whether that means targeting high-interest accounts, consolidating under better terms, or negotiating new arrangements with creditors. Every plan is built to minimize total cost while preserving financial stability.
We don’t hand you a static plan and walk away. As your financial situation changes, we stay involved to update the strategy, review progress, and adjust repayment timelines as needed. You’ll always have a clear view of where things stand—and a partner making sure the plan stays on track.
Managing your debt alone could become a burden pretty easily pretty quickly. Most times, the floating numbers don’t even make sense. You need consultation from experts who bring structure, experience, and a clear plan—so you’re not left guessing what to do next.
We at Ledger Labs handle the back-and-forth with creditors, map out a realistic repayment strategy, and stay with you through the process.
Many founders blur the line between personal and business liabilities. We step in to untangle the overlap, assess exposure, and create a plan that protects your personal finances while stabilizing the business side.
Cash is tight, but cutting payments across the board can hurt more than help. We work within your current financial reality—prioritizing critical debt without putting payroll, vendors, or growth on hold.
Most debt plans assume stable conditions. We don’t. We build strategies with buffers for volatility—late invoices, fluctuating revenue, unexpected costs—so you can stick to the plan even when things don’t go to plan.
As a founder, you’re used to making tough calls. Taking on debt is often one of them—whether to fund growth, cover short-term gaps, or navigate unpredictable markets. But over time, debt that once felt manageable can become disorganized, expensive, and limiting. It starts to drain attention, cash flow, and optionality. That’s where Ledger Labs comes in.
We work with founders who don’t need theory—they need clarity. Our debt planning and reduction service is built to give you a full, accurate picture of your debt obligations, then deliver a strategy you can actually act on. We don’t just create reports—we build decision frameworks that fit the financial realities of your business and the demands of your role.
In many cases, debt isn’t the problem—it’s the lack of structure around it. You might have a mix of business loans, personal guarantees, credit cards, and vendor terms, all pulling in different directions. Trying to manage that internally—while running day-to-day operations—isn’t sustainable. We step in to organize, prioritize, and restructure that debt so it works within your cash flow instead of against it.
We start by mapping out your full debt picture: balances, terms, interest rates, repayment schedules, and liabilities across both business and personal accounts (if they’re tied together). Then we assess your cash flow—when money comes in, what fixed costs must be met, and how much flexibility you have to reduce debt without putting operations at risk.
From there, we build a plan that’s both realistic and efficient. That might include negotiating directly with creditors to reduce interest or restructure timelines, consolidating high-cost debt, or sequencing paydowns for maximum impact. We handle the communication- you stay focused on the business.
We understand the operational pressure you’re under—hiring, retaining talent, keeping vendors paid, building product, raising capital. You can’t afford a rigid plan built for static conditions. That’s why we stay involved. We adjust your debt strategy as revenue shifts, expenses change, or new opportunities arise. You stay agile, with a plan that adapts as fast as your business does.
Founders we’ve worked with say the biggest value wasn’t just paying off debt—it was getting their mental bandwidth back. Knowing someone was on point for this critical area meant fewer distractions and better decisions where it counted.
Ledger Labs isn’t just a service—it’s a second set of hands on your financial controls. Quiet, focused, and outcome-driven.
If you’re spending too much time juggling debt and not enough time leading your company forward, it’s time to rethink how that’s managed. We’ll help you take control of the debt—so it stops controlling your decisions.
| Feature | Ledger Labs' Debt Reduction & Planning Services | Other Services |
|---|---|---|
| Comprehensive Debt Mapping | Detailed tracking of all personal and business debt obligations in one clear dashboard | Basic lists of accounts with limited context or prioritization |
| Cash Flow-Aligned Planning | Strategies built around your actual revenue and expense cycles | Generic plans that often ignore operational realities |
| Creditor Negotiation Management | We handle communications and negotiate terms directly with lenders | Requires business owners to manage creditor discussions alone |
| Integrated Personal + Business Planning | We address both sides when debt spans company and personal finances | Focus is often limited to one or the other |
| Risk Exposure Analysis | We assess and help separate personal guarantees and liabilities from business operations | No structured approach to reducing personal financial exposure |
| Progress Tracking & Plan Adjustments | Ongoing tracking with flexible updates as cash flow or goals change | Static plans with limited ability to adapt to new conditions |
| Vendor & Loan Term Optimization | We review all loan and payment terms to reduce cost and improve structure | Often overlooked unless requested specifically |
| Confidential, Founder-Focused Support | Discreet, judgment-free service designed around the realities founders face | Generalized services not tailored to founder-level complexity |
| No Commission Bias | We don’t push refinancing or settlement options for a fee—we work in your interest only | Advisors may earn commissions based on product recommendations |
| Ongoing Strategic Oversight | Long-term partnership with quarterly reviews, updates, and proactive refinements | One-time engagement models with no follow-through |
Helping busy founders and busy owners streamline their accounting & bookkeeping with services designed from and for the perspective of business owners.
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