Paying too much to your bank? Find out in 15 minutes.
A free debt structure review for Chicagoland contractors doing $3.5M+ a year. We look at your loans, credit lines and equipment financing, then show you whether you’re overpaying or set up in a way banks will push back on.
Three steps. One 15-minute call.
Send your loan terms.
Securely upload your current loan, line of credit and equipment financing statements. The paperwork you already have is enough. You don’t need to prepare anything.
15-minute walkthrough
A JSH advisor goes over your rates, terms and structure, and shows you where you may be paying more than you need to.
Get your options in writing.
You get a one-page summary of your options. Where it makes sense, we’ll also introduce you to a lender who fits.
No cost, no obligation. Your numbers stay confidential.
Your banker gave you one answer. It may not be the only one.
Most contractors take the loan their bank offers and never look at it again. Paul Huber has spent 30 years building relationships with lenders. He knows how banks read a contractor’s financials, and how to restructure debt so it costs less and holds up when you need a bigger line or bonding.
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years advising contractors and business owners
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years of banking relationships
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businesses helped with banking and financing
The math that matters
Say you carry $2.5M in loans and lines at 10%. That’s $250,000 a year in interest. At 6%, it’s $150,000. That’s $100,000 a year back in your business, and you haven’t changed a single job.
Illustrative example. Results vary.
Client result
One contractor cut their interest cost by about 40% after a restructure, which saved roughly $100,000 in the first year.
Results vary. Shared with client permission.
What’s your interest costing you?
Enter your total debt and move the sliders to see what a lower rate could be worth.
Illustrative estimate only. The rates you can get depend on your financials, your lender and the market. We don’t guarantee approval or rates.
What the Difference Is Worth Per Year
$100,000
This is the gap between your current interest cost and the cost at the comparison rate. Results vary.
Interest today
$250,000
Interest at comparison rate
$150,000
Savings over 5 years
$500,000
Get your debt structure review
Tell us a little about your company. We’ll follow up within one business day to set up a secure upload and your 15-minute walkthrough.
Call our clients, not our brochure