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Your free business debt & cost diagnostic.

A ten-minute, no-email-required walkthrough of your debt position and your monthly cost structure. At the end, you get a personal report with an estimate of how much monthly cash we think you can recover — and the playbook for each line. Email a copy to yourself only if you want to.

Step 1 of 6 · About your business

Tell us about the business.

Used to set sensible defaults if you skip any numbers later. We do not store this unless you choose to email yourself the report.

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What does the debt look like right now?

Round numbers are fine. Skip anything that does not apply. The point is to see the picture, not pass an audit.

Monthly business operating costs.

Enter what you spend each month on these line items. Click skip on anything you do not know — we will use an industry average.

Owner and personal monthly costs.

In a small business, owner cash and business cash are the same cash. The fastest debt-relief lever many owners ignore is on this page.

Where do you stand on cash right now?

This sets the urgency score on the report. There is no judgment in the number — it is just the math.

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Daily rate. If they pull weekly, divide by 5.
Risk read —
Estimated monthly cash we can help recover $0 $0 over the next twelve months

Where the recovery comes from.

Every line below is something we negotiate, renegotiate, or audit for clients. Click any item to see the full playbook our team published on it.

Your debt picture and how we would approach it.

What we would do this week if we were you.

Want us to do the work?

The first call is free, thirty minutes, and we tell you straight whether we can help. No pitch, no upfront fees.

Book the free call Call (407) 993-1416

Want a copy of this report?

We will email you the full report so you can come back to it. We do not share your email, and we will not call you unless you ask.

Estimates are directional, not guarantees. Hamilton & Merchant is not a law firm. Results vary by situation.