Client Results & Case Studies
Real success stories from business owners who overcame SBA loan challenges with our help.
$472K SBA Loan Neutralized
Client Situation
A former restaurant owner faced a $472,000 SBA loan default after their business closed due to the pandemic. The bank was aggressively pursuing collection on their personal guarantee, threatening their home and retirement savings.
The client had already received a demand letter and was given 30 days to respond before legal action would commence.
Challenges
- Significant personal assets at risk
- Aggressive collection timeline
- Limited financial resources
- Emotional distress affecting decision-making
Our Approach
- 1. Immediate Response Strategy
We developed a strategic response to the demand letter that bought critical time without escalating the situation.
- 2. Loan Documentation Analysis
Our team identified several servicing errors and compliance issues in the bank's handling of the loan.
- 3. Asset Protection Implementation
We helped the client implement legal asset protection strategies to shield their most important assets.
- 4. Strategic Negotiation
Using the leverage gained from our analysis, we negotiated directly with the lender from a position of strength.
Results
Case dismissed with no payment required
Our team successfully negotiated a complete dismissal of the SBA claim based on the servicing errors we identified, saving the client $472,000 and protecting all their personal assets.
More Success Stories
Explore how we've helped business owners across various industries overcome SBA loan challenges.
A former franchisee was facing enforcement of a $350,000 personal guarantee after their franchise location failed. Our team identified critical flaws in the guarantee documentation and negotiated a complete release.
100% of personal guarantee obligation eliminated
Jennifer L.
Ex-Franchisee
A retail business owner was struggling with a $280,000 SBA loan after their business closed. Our strategic negotiation approach resulted in a settlement offer of just $42,000, payable over 24 months.
85% reduction in total debt obligation
Robert K.
Retail Business Owner
A client was at risk of having their tax refunds and Social Security benefits intercepted through the Treasury Offset Program due to a defaulted SBA loan. Our intervention prevented the offset and protected their retirement income.
100% of retirement assets and income protected
Sarah M.
Service Business Owner
Client Testimonials
Hear directly from our clients about their experience working with VaultLight.
"I was at my wit's end dealing with the SBA and their collection agency. VaultLight stepped in and within 60 days had negotiated a settlement that saved me over $200,000. Their expertise and strategic approach made all the difference."
Thomas R.
Manufacturing Business Owner
"After my business failed, I thought I would lose everything. The VaultLight team not only protected my personal assets but also negotiated a settlement I could actually afford. I can finally sleep at night again."
Patricia M.
Former Salon Owner
"The intelligence and strategy that VaultLight brought to my case was remarkable. They found issues with my loan that multiple attorneys had missed, which ultimately led to a complete dismissal of the SBA's claims."
David W.
Technology Company Founder
"I was skeptical about paying for help with my SBA loan problems, but it was the best decision I ever made. VaultLight's fee was a fraction of what they saved me, and their guidance throughout the process was invaluable."
Elizabeth J.
Hospitality Business Owner