Credit restructuring is done by reducing personal debt, negotiating what is owed anywhere from 60% to 70% off of the original amount. We can start from scratch with the Credit Builder program in helping you build new credit. You can establish business and personal credit even if you’re a new startup business,filed bancruptcy, have no business assets or little to no credit. For the business, no qualifications are needed. Once you have the loan, you can start building credit by making your payments to the trade lines on time,You can also get credit cards with little to no interest or that offer cash back from the purchase.