Queso for Business
Debt and delinquency management for small business owners. Imani reviews what you owe, sets up payment plans with your lenders, and handles the back-and-forth, so you can stay focused on running your business.
Request a consultationBefore anything else
A slow season. A big customer who paid late. An advance that looked like a lifeline at the time. Most business debt starts with a reasonable decision made under pressure, and somewhere along the way it became something you'd rather not talk about, with anyone.
Here's what's true: you're not the first, and you won't be the last. Business debt is far more common than anyone admits, and it says nothing about how good you are at what you do. Imani has spent her career in these conversations, and there's no judgment here. There's just a calm plan, and someone else to take the calls so you don't have to dread them.
How it works
01
We go through every obligation: balances, payment schedules, terms, and where each account currently stands.
02
Together we map out a plan to stabilize your revenue and work toward paying down what you owe, sized to what your business can actually carry.
03
With your written authorization, Imani contacts your lenders and sets up payment plans on your behalf. You don't take the calls or chase the paperwork. If a lender offers a settlement, she'll handle that conversation too.
Why Queso for Business
Not every debt relief option works in the owner's favor. Some companies promise a lot and deliver little. Others let accounts slide into default while they pursue settlements, which can lead to lawsuits and liens against the business. Queso for Business is built around a different goal: payment plans that keep you ahead of default, and lender conversations that stay off your plate.
Why you can trust Imani
Imani has spent her career on the lender side of these conversations, so she knows how they work and what it takes to reach an agreement. Her goal is simple: make managing debt easier for small business owners and give you the tools to move your business forward and recover from financial hardship.
Up to $1.5M
Managed commercial accounts valued up to $1.5 million.
Millions
Prevented millions of dollars in charge-offs.
Know the facts
In general, lenders have more options to work with you before an account goes into default than after. Here's what can happen when business debt goes unaddressed. What a lender can actually do depends on your agreement, the type of financing, and your state's laws.
What can happen if an account goes into default
Depending on your agreement, a lender may be able to file a lien and enforce it against your credit card processor or other receivables, so money is redirected before it ever reaches you.4
If you signed a personal guaranty, a lender may be able to sue the business and you personally, even if the business is an LLC or corporation.4
A court judgment can open the door to wage garnishments and levies on bank accounts, which can freeze the cash your business runs on.4
Depending on the lender and the type of financing, a charged-off balance may be reported to the credit bureaus, and a judgment can show up on credit reports.4
Depending on your agreement, an unpaid account may be placed with a legal vendor or collection law firm. Their fees can be added on, which makes the total balance you owe higher than what you originally borrowed.
What the alternatives can cost
15–25%
Fees commonly run 15% to 25% of the debt you enroll, often charged on the enrolled balance and not on what's actually saved.15
$15K–$50K+
Legal help adds up quickly. Attorney fees in a small business Chapter 11 case commonly run $15,000 to $50,000, and they can run higher.3
$338–$1,738
Court filing fees alone are $338 for Chapter 7 and $1,738 for Chapter 11, before attorney fees and the other costs of the case.2
A lot of business owners don't take action until it's too late. Once certain processes are set in motion, such as a lien, a lawsuit, or placement with a legal vendor, they can be hard to stop. Reaching out to your lenders early keeps more of your options open.
Frequently asked questions
No. Imani's focus isn't negotiating settlements. It's handling your lender communication and setting up payment plans, so you don't have to. If a lender offers a settlement, she'll handle that conversation too.
Some debt settlement companies ask you to stop paying your lenders while you build up money for a settlement. During that time, accounts can go into default, and lenders may add fees, send accounts to collections, or sue.1 The fees are often based on the debt you enroll, whether or not the settlement works out the way you hoped.
Imani's approach is the opposite: stay in contact with your lenders and work out payment plans before things escalate.
Possible consequences include default fees, liens, lawsuits against the business and, if you signed a personal guaranty, against you personally, judgments that can lead to garnishments and levies, and placement with a legal vendor that adds fees to your balance. What applies to you depends on your agreement and your state's laws. An attorney can tell you exactly where you stand.
It means a lender may be able to pursue you personally, not just the business, if the business can't pay. Imani will look at your agreements during your debt review, and an attorney can advise you on your legal position.
In general, lenders have more flexibility before an account defaults than after it. Once an account is in default, fees and legal costs tend to stack up fast, and the alternatives, like attorneys or bankruptcy, can be expensive.
Imani isn't a lawyer and doesn't give legal advice. If you've been sued, served with court papers, or a lien has been filed, talk to an attorney right away.
Pricing is tiered based on the number of lenders involved. Monthly plans have lower rates for longer commitments, and a lump-sum option is available too. Every engagement starts with a $375 debt analysis, which is applied toward your first month of service. Imani will go over the exact numbers with you once she knows your situation.
A list of your lenders, balances, payment schedules, and copies of your agreements, plus your written authorization allowing Imani to speak with your lenders on your behalf. Please don't email account numbers or passwords.
General information only, not legal advice. Costs and remedies vary by lender, agreement, and state, and fee schedules change over time.
Pricing
Pricing is tiered based on the number of lenders involved, since that's what drives the time involved. Plans are billed monthly, with lower rates for longer commitments, and a lump-sum option is available too. Imani will walk you through what fits.
Focused
For a smaller set of obligations. Imani manages communication with each lender and sets up payment plans on your behalf.
Standard
For a mid-sized debt load with more accounts to track, more conversations to manage, and more payment schedules to coordinate.
Complex
For businesses juggling many lenders at once. This tier covers the heaviest coordination and ongoing communication.
$375
Every engagement starts with a full analysis of your debt load. The $375 analysis fee is applied toward the cost of your first month of service.
Lump sum
A lump-sum payment covering a full year of support is an option, and it's something we can talk through together.
No success fees. You pay for the service and for the time Imani spends managing your lenders on your behalf, never a percentage of what you save. Every plan includes your debt review, stabilization plan, and payment plans set up with your lenders. Monthly plans cover the number of lenders in your tier, and if that number changes during your engagement, we'll talk before anything changes.
Get started
Share a few details and Imani will follow up to talk through your situation and which plan makes sense.
Imani will review what you shared and follow up soon to talk through next steps.
Queso for Business provides consulting and lender communication services. Payment plans and settlements are at each lender's discretion. Results vary, and no specific outcome is guaranteed. Queso Money is not a law firm and does not provide legal advice.