SBA Loan Workouts & 7(a) Restructuring
Legal services and legal representation for SBA 7(a) workouts, restructuring, deferments, and personal guaranty exposure. Free consultation in Arizona and Washington.
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A Faster Restructuring Process, Powered by bankruptcy.ai
Workout proposals require a clean financial picture. Our bankruptcy.ai-powered intake pulls statements securely through Plaid and helps you obtain bank records and paystubs, so your attorney can move straight to negotiating terms. Painless, affordable, and attorney-led from start to finish.
Book a Free ConsultationSBA 7(a) Workout and Restructuring Attorneys
Majors Law Group, P.C. offers legal services and legal representation for SBA loan workouts and SBA 7(a) restructuring. If your business is behind on an SBA 7(a) term loan, an SBA 504 loan, or a COVID-era EIDL, a workout agreement may let you keep operating while you bring the loan current. Our attorneys negotiate directly with lenders and SBA loan servicing centers on deferments, interest-only periods, re-amortization, maturity extensions, collateral releases, and modified payment schedules.
Workout and Restructuring Options We Pursue
- Payment deferment and interest-only relief periods
- Re-amortization and extension of the loan maturity
- Restructured payment schedules tied to real business cash flow
- Collateral and lien negotiations, including releases and substitutions
- Personal guaranty exposure analysis for owners and spouses
- Coordinated resolution of business credit cards, equipment loans, and tax debt
- Chapter 11, Subchapter V, Chapter 13, and Chapter 7 comparison where a workout is not enough
Why Legal Representation Matters in an SBA Workout
Lenders must document a workout in a way the SBA will accept, and they are not required to explain the standards they apply. Our attorneys know what a servicer needs to see, prepare a supportable cash-flow package, and press for terms that reflect what your business can sustain — not just what is easiest to approve. We also review your loan authorization, note, and guaranty for defenses and leverage before any proposal goes out.
Protecting the Personal Guarantor
Nearly every SBA 7(a) loan carries a personal guaranty, which means a business default can follow you home. We evaluate guarantor exposure alongside your household finances and, where appropriate, coordinate the business workout with personal bankruptcy planning in Arizona or Washington so one solution does not undercut the other.
Talk With an SBA Restructuring Attorney
The best outcomes come early — before acceleration, before liquidation, and before a Treasury referral. Schedule a free consultation and our attorneys will review your SBA loan documents and outline a realistic path forward.
The Attorneys Handling Your Business Debt
Business loan defaults touch personal guarantees, tax debt, and sometimes bankruptcy at the same time. Our attorneys handle all of it in house across Arizona and Washington.
Dominic Majors, Esq.
Owner & Founding Attorney
Licensed in Arizona, California, & Washington
Garrett Johnson, Esq.
Supervising Personal Injury Attorney
Licensed in Arizona and Washington
Shawna Reynolds, Esq.
Associate Attorney
Licensed in Arizona and Washington
Kyle Packer
Associate Attorney
Licensed in Arizona
Celina Cardenas, Esq.
Associate Attorney
Licensed in Arizona
John Laris Esq.
Bankruptcy Attorney
Licensed in Washington
We Do the Document Chasing For You
Paperwork is the number one reason cases stall. We make the filing experience painless and affordable by collecting what is needed for you.
Secure document gathering with Plaid
We can connect your accounts through Plaid so statements and transaction histories come over securely, without you digging through months of paperwork.
We help retrieve bank records and paystubs
If records are missing, our team helps you request bank records, paystubs, and income documentation from your bank or employer so nothing holds up your case.
Painless, affordable, attorney-reviewed
Powered by bankruptcy.ai, our intake technology organizes your documents while our attorneys review every file and remain responsible for your representation.
Start Today for $0 Down
$0 Down to Start, With Payment Plans That Fit Your Budget
Cost should not be the reason you stay stuck. We make getting started simple, affordable, and almost entirely paperwork-free.
$0 Down to Get Started
You do not need money saved up to begin. We start your case with nothing down, so protection can begin now instead of months from now.
Affordable Payment Plans
Fees are spread into flat, predictable monthly payments built around what your budget can actually handle. No surprises, no hourly billing.
We Make the Process Easy
Our bankruptcy.ai-powered intake gathers your documents for you, most meetings happen by phone or video, and your attorney handles the rest.
Book Your Free Consultation
Anyone can book directly on our calendars — no cost and no obligation. Pick the office that is most convenient for you and choose a time that fits your schedule.
Testimonials
What People are Saying
“These guys (and gals) are awesome.”
"Always super responsive, very friendly - and you can tell they genuinely care. My process was (shockingly) pain-free, which speaks volumes. I seriously can't say enough good things!"
Jesse K.
“Majors Law Group was great!”
"Anytime we had a question or needed help throughout the process, they responded quickly and with up to date information. They made the process very seamless and easy! Thank you! "
Mitch Loar
“Dom and his crew are absolutely amazing.”
"They were always there every step of the way. Will always recommend their services to anyone in need."
Justin Lewis
“Majors law group is the very best!”
"Not only are they always willing to answer any little or big questions you may have the staff is very knowledgeable and professional . I appreciate every single one of you . Thank you so much ! I definitely do recommend them to everyone in need."
Julia Gutierrez
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