Debt Sellers, LTD., a licensed, bonded, and insured organization, is dedicated to helping small business owners launch and grow their companies. Through expert coaching, advice, guidance, and resourceful strategies, the company offers a distinctive service to entrepreneurs seeking funding and strengthening their financial literacy. With a track record of raising over $50 million in capital, Debt Sellers, LTD. has worked with over 2,000 clients and supported over 250 individual financial literacy educators. This achievement underscores the company’s pivotal role in empowering business owners to achieve sustainable growth.
The firm is known for its innovative FREEMIUM model, which provides free, invaluable resources to small business owners. One of the key aspects of the company’s approach is educating entrepreneurs on how to access funding through the 3C methodology—credit, cash flow, and collateral. These three fundamental categories determine what type of funding a business can secure. Debt Sellers, LTD. teaches clients how to optimize these factors to obtain the necessary capital to launch or expand their business.
Unlike traditional consulting firms, Debt Sellers, LTD. offers educational resources and hands-on support for those who wish to move forward. The FREEMIUM model allows businesses to learn about their funding options, and if they choose, they can enter into a formal agreement with the company for further assistance. This model ensures that small businesses understand their financing options before contracting.
One critical component of business funding that many entrepreneurs overlook is collateral. In addition to a strong credit history, lenders often assess the amount and value of collateral a business can offer. Debt Sellers, LTD. specializes in educating business owners about collateral—how to use it effectively, what constitutes acceptable collateral, and how it can enhance their ability to secure loans. Collateral can range from business assets like equipment, inventory, or accounts receivable to personal assets like real estate or other properties.
According to Aristotle Montgomery, Executive Director of Debt Sellers, LTD., “Many entrepreneurs may not know the full scope of collateral they can leverage to secure funding. In addition to personal assets such as homes or vehicles, business owners can use items like machinery or receivables as collateral to reassure lenders that their loans is secure. By educating our clients on these resources, we equip them with the tools they need to seek financial backing confidently.”
The company’s services are not just theoretical. They work closely with clients to identify viable collateral sources, especially for small businesses or startups lacking substantial financial history. Lenders often look for additional security beyond just credit scores, and collateral is a critical factor in determining loan approval. Debt Sellers, LTD. ensures that business owners know to leverage their assets in compliance with legal and ethical standards, creating long-term strategies for financial stability.
Debt Sellers, LTD. offers specific consultation on when this is appropriate for businesses considering using their home or personal assets as collateral. The organization advises clients on evaluating whether their home equity can be used and balancing personal risk with business needs. In many cases, lenders will only require personal assets as collateral when other forms of security are insufficient or when the equity in the business itself is not enough to secure a loan.
One unique aspect of Debt Sellers, LTD.’s services is its commitment to helping businesses navigate the complexities of the funding process without overwhelming them with jargon or unnecessary obstacles. The company simplifies the financial landscape for entrepreneurs, offering clear guidance on improving their chances of securing capital. By focusing on education first, Debt Sellers, LTD. empowers business owners to make informed decisions about the types of loans and financing most appropriate for their specific circumstances.
In addition to its core services, Debt Sellers, LTD. is also expanding its educational offerings. The organization provides comprehensive financial literacy education to a broader audience through workshops, webinars, and one-on-one coaching sessions. These initiatives are designed to help aspiring entrepreneurs and established business owners alike understand the fundamentals of business finance, including how to maintain positive cash flow, build strong credit, and manage collateral effectively.
Debt Sellers, LTD. is also helping clients navigate the often-overlooked area of business financials: maintaining proper documentation and staying compliant with both lender requirements and industry regulations. Their services ensure that business owners are fully equipped to handle the documentation process, whether they are applying for a small business loan, securing a line of credit, or pursuing other funding options.
While the company focuses on providing educational resources, it also offers hands-on support for clients who need additional assistance. Through their consulting services, Debt Sellers, LTD. works directly with clients to facilitate access to funding through strategic partnerships and customized financial plans. This dual approach—education combined with expert consulting—has made Debt Sellers, LTD. a go-to resource for small businesses seeking guidance on funding.
With over 2,000 clients served, and a long list of successful partnerships, Debt Sellers, LTD. continues to solidify its position as an industry leader in business financing education. The company’s commitment to providing valuable, no-cost resources sets it apart from competitors, making it an invaluable resource for entrepreneurs navigating business funding challenges.
For more information about Debt Sellers, LTD. and their services, please visit www.debtsellers.org or follow them on Instagram at @debtsellers.