We lower your SBA loan payment — or settle it — so you can keep your business open.
Watch: how we cut a $30,000/mo SBA payment to about $9,000 — 90 sec with Alivia
We took a borrower's $30,000-a-month SBA payment and got it down to about $8,000–$9,000 a month. They never had to close their doors.
Talk to Alivia today.
Tell us your name, email, phone, and what is going on with your SBA loan. The attorney calls you back — usually within 1 business hour.
Pick what sounds like you.
The earlier we step in, the more we can do. Tell us where you are and we will tell you what is possible.
I just got a scary letter
A demand letter, a 60-day notice, or a call from the SBA. Nothing has been taken yet — but you do not know what happens next.
We act before the deadlines close.
Call Alivia UrgentThey are already taking money
Your tax refund is gone. Money is coming out of your paycheck. Your Social Security check is short. The government is collecting.
We move fast to stop the bleeding.
Call Alivia SettleI want this debt off my back
You want to settle the SBA loan for less than you owe, close the chapter, and protect what you still have.
We build the offer and negotiate the deal.
Call AliviaThree steps from stuck to settled.
No legal jargon. No waiting on a case manager. Here is what working with us actually looks like.
Call us
A free, confidential call with the attorney. Tell us what is happening with your loan — the notices, the missed payments, the worries. We listen first.
We review your loan
We pull your loan documents, the SBA notices, and the numbers. Then we tell you straight what is possible — and what it will cost.
We lower your payment or settle the debt
We negotiate directly with your lender, the SBA, or the U.S. Treasury — so you pay less each month, or settle the loan for less than you owe.
Three ways we help.
Lower your monthly payment
We work with your lender and the SBA to rewrite the payment to a number your business can actually afford. One client went from $30,000/mo to about $8,000–$9,000/mo.
Settle the loan for less than you owe
We build and file a formal settlement (an Offer in Compromise) so the SBA or U.S. Treasury accepts a smaller amount — and the rest of the debt goes away.
Stop the government from collecting
If they are taking your tax refunds, Social Security, or paycheck — or coming after your home — we step in fast and push back before the deadlines close.
If any of these sound like you.
The federal collection clock moves faster than most business owners think. Call today — even if you are not sure we are the right fit.
- You got a scary letter from the government about an old SBA loan and you do not know what it means.
- Your tax refund or Social Security check did not arrive — and you think the government took it.
- Money is being pulled out of your paycheck and no judge ever ordered it.
- You signed for the loan personally, and the bank or the SBA is now coming after you.
- You tried to settle the loan and got turned down.
- You think the amount they say you owe is wrong.
In our own words.
Plain-language explainers on SBA default, Treasury referral, and personal-guarantee exposure — straight from Alivia Arabo.
An insider's knowledge — on your side.
Alivia Arabo used to work inside a national bank. She knows how lenders and federal agencies think — because she sat on that side of the table.
Today, she uses what she learned to help business owners across the country lower SBA payments and settle SBA debts. You get a real attorney — not a call center — and a plan you can actually understand.
"Alivia knows how banks and federal agencies think — because she sat on that side of the table. That changes everything when you are the one behind on payments."
Let's lower your SBA payment — or settle the debt.
A free, confidential call with the attorney. We listen first, then tell you straight what is possible.
Confidential. No obligation.