When to Refinance High-Interest Short-Term Debt
January 2026
Lily Grace
Client Relations Manager
Corporate Debt Buyout Specialists
WeBuytheDebt
That'sBuyingYou.
High-interest short-term debt consumes your cash flow, strangles your operations, and holds your business hostage. Refinos steps in, takes over the deal, and restructures it into capital that works for you — not against you.
$150M+
Debt Bought
127
Deals Closed
72hr
Avg. Turnaround
No Credit Impact
2 Min Application
Debt Buyout Quote
How much debt do you have?
Slide to your balance — we'll show you what we can buy out.
The FirmBuyout Specialists
When you’re stuck in high-interest short-term debt, we step in and take over the deal. That’s what we do. That’s why we’re called Refinos.
We’ve built our reputation on one thing: buying out debt. Whether it’s a bridge loan gone wrong, predatory merchant cash advances, or any high-cost short-term obligation crushing your business — we refinance it into something sustainable. We don’t just advise; we execute the buyout and get you out.
$0M+
Debt Bought Out
0
Deals Taken Over
2019
Established
02 — Why UsThe Advantage
Built for
Growth.
We structure capital to support your business, not drain it. Compare our approach to the typical short-term lender.
Feature
Refinos Capital
Predatory Lenders
Origination Fees
None
3% - 10%
Personal Guarantee
Not Required
Required
Repayment Structure
Monthly / Quarterly
Daily / Weekly
Prepayment Penalty
None
Full Interest Due
Capital Use
Unrestricted
Restricted
Relationship
Strategic Partner
Transactional
01 — Our SolutionsHow We Operate
01
High-Interest Debt Buyouts
Your business is bleeding from short-term, high-interest debt — we stop the bleeding. We buy out merchant cash advances, predatory bridge loans, and other expensive obligations, replacing them with manageable long-term financing.
MCA BuyoutsBridge Loan TakeoversDebt Consolidation
Learn More02
Short-Term Debt Refinancing
Trapped in expensive short-term debt with no way out? We specialize in taking over these deals. We refinance your high-cost obligations into sustainable facilities with longer terms and lower rates.
Learn More03
Deal Takeovers
When other lenders walk away or your current debt is strangling operations, we step in. We buy out the existing deal and restructure it — giving your business room to breathe and grow again.
Learn More03 — The ProcessExecution
From Distress to
Stability.
01
Analysis & Offer
We review your current debt positions and cash flow. Within 24 hours, we present a buyout offer that consolidates your payments.
02
Buyout Execution
We pay off your existing lenders directly. The daily debits stop immediately, and your cash flow is restored.
03
Growth Capital
With a sustainable structure in place, we can provide additional working capital to fuel your business growth.
Cash Flow Impact
Before Refinos$2,400 / Day
Multiple daily debits, high effective APR
After Refinos$600 / Day
Single monthly payment, reduced rate
Monthly Savings
$54,000
04 — BenefitsThe Value
Speed of Execution
We move at the speed of business. Liquidity provided in as little as 48 hours to seize opportunities or stabilize operations.
Flexible Structure
No daily payments. We structure facilities with monthly or quarterly terms that align with your cash flow cycles.
Security & Trust
No personal guarantees required. We underwrite the strength of the business, not the owner's personal assets.
05 — Client ResultsWhat Our Clients Say
Verified Client
“Refinos didn't just refinance our debt; they restructured our entire capital stack. We went from drowning in daily payments to having the liquidity to acquire our largest competitor.”
Deal Size
$1.2M
Impact
75% Cash Flow Increase
Michael R.
CEO, Industrial Manufacturing Co.
Verified Client
“The speed and professionalism were unmatched. They understood the complexity of our situation and provided a solution that traditional banks simply couldn't offer.”
Deal Size
$800K
Impact
Closed in 14 Days
Sarah L.
CFO, Regional Logistics Group
Verified Client
“A true strategic partner. They bought out our predatory MCA positions and gave us room to breathe. Our cash flow has never been healthier.”
Deal Size
$2.5M
Impact
Saved $120K Interest
David K.
Founder, Tech-Enabled Services
02 — Track RecordRecent Transactions
Client
Sector
Structure
Amount
Industrial Manufacturing Co.
Manufacturing
Manufacturing
MCA Buyout & Refinance
Debt Taken Over
$1,200,000
Regional Logistics Group
Transportation
Transportation
High-Interest Debt Buyout
Full Deal Takeover
$800,000
Healthcare Services Provider
Healthcare
Healthcare
Short-Term Debt Refinancing
Lender Buyout
$500,000
Tech-Enabled Services
Technology
Technology
Bridge Loan Takeover
Complete Refinance
$3,500,000
03 — PerspectivesView All
How We Took Over $4.7M in Predatory MCA Debt
December 2025
From 36% APR to Sustainable Terms: A Refinancing Story
November 2025
Stop Losing Cash Flow to
Predatory Debt.
60 Second Qualification
Find out in 60 seconds if you qualify for a buyout. We structure capital that works for your business, not against it.
Check Your Eligibility
Or call us directly:786-598-9474