There is no greater stress than looming loan repayments. It can cause sleepless nights, strain on relationships, and an overwhelming sense of uncertainty about the future. For small business owners facing these challenges, Moshe Pearl offers a solution. The founder of Funding Solution, he works with businesses to reduce their monthly payments—as much as 90%—and regain their peace of mind.

Funding Solution specializes in helping businesses navigate the complexities of Small Business Administration (SBA) loans, particularly those issued under the COVID-19 Economic Injury Disaster Loan (EIDL) program. These loans, meant to help businesses recover from the economic fallout of the pandemic, often come with significant repayment obligations that many are now struggling to meet.

“Most businesses took out these loans to stay afloat during an unprecedented time,” Pearl shared. “But now, the repayment process has become a heavy burden, and we’re here to lighten that load.”

Funding Solution’s primary focus is helping clients enroll in SBA hardship programs, which can drastically lower monthly payments without impacting credit scores. By reducing payments by up to 90%, the program provides business owners the breathing room they need to stabilize their operations and focus on growth.

“It’s about more than just numbers,” Pearl explained. “Reducing monthly payments offers our clients the chance to breathe easier and focus on what really matters—running their businesses and ensuring their long-term success.”

Pearl emphasized the simplicity and effectiveness of the programs his company facilitates. Unlike traditional refinancing options that may negatively affect credit scores, Funding Solution’s process allows businesses to adjust their payments without jeopardizing their financial standing.

“Every case we take is handled with the utmost care,” Pearl explained. “We work closely with each client to understand their situation, lay out their options and guide them through every step of the process. We understand how daunting these loans can seem and so we aim to be as helpful and respectful as possible.”

The impact of his work is not lost on Pearl. Speaking with clients, he often hears the emotional toll these financial burdens take. Many of his clients have spent sleepless nights worrying about how they’ll meet their loan obligations, wondering if their business will survive. When they are given a solution, the relief is palpable.

“I always hear the same thing from my clients—gratitude,” Pearl continued. “Relieving financial stress, even temporarily, gives them the chance to refocus on their businesses without the constant worry of looming repayments. It’s incredibly rewarding to see them take that step toward stability.”

Beyond reducing monthly payments, Funding Solution also assists clients in preparing necessary documentation for SBA applications, ensuring they meet all required criteria. This helps streamline the process and ensures a smoother experience for small business owners, who are often already stretched thin with operational responsibilities.

“There are so many moving pieces when it comes to SBA loans: documentation, deadlines, compliance,” Pearl continued. “As someone who’s been in this business a while, I say from experience that having a dedicated partner to guide you through the process makes all the difference. We want you to feel like you have someone in your corner, someone rooting you on. That’s the role we aim to serve.”

As businesses still fight to recover from the pandemic’s impact, many are turning to Funding Solution not only for financial relief but also guidance in long-term financial planning. Pearl’s approach is holistic—he understands that once payments are adjusted, clients can take control of their future more effectively.

“Our goal first and foremost is to empower business owners,” Pearl went on to say. “When they have the tools to manage their finances, they can grow and thrive. That’s what’s most important to them, and so it’s what’s most important to us.”

Those interested in Funding Solution’s services or would like to learn more, email [email protected], call or text (718) 208-2150, or WhatsApp (845) 649-4832.

Adam Samuel is a journalist from Teaneck. He blogs at www.adamssoapbox.com.