Debt Management

Helping You Find The Best Debt Management Solutions For Your Business

Our team of expert key account managers will guide you through each and every step

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We only work with the most reputable companies to give you outstanding offers you can't find anywhere else.

Banks (Secured & Unsecured Debt)

Secured bank loans have collateral requirements, while unsecured loans do not. 

Utility Debts

Renegotiating on utility deals will be difficult when debt exists for a business. 

Sale of Assets

Advice on lenders soaking up equity in a sale and ensuring you still owe money. 


For those with debt prior to Covid19, HMRC will be requesting their money back.  

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Debt management solutions can provide businesses with the best chance of regaining control of their finances.

Our partners work with you to offer unique and affordable debt management solutions that have you and your company’s best interests in mind. They would use their industry experience to negotiate with creditors on your behalf, enabling you the time to breathe and providing you with the confidence to keep your company functioning and thereby ensure its future.

No matter how run-of-the-mill or severe your financial situation is, the HQ Club research team will do the heavy lifting for you.

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Every Business Can Benefit From Debt management Help

A debt management plan (DMP) could be one way for businesses to regain control of their finances. Debt management allows you to combine multiple credit payments into one single payment, often with deeply reduced interest rates which can save you a significant amount of money and have you out of debt in 3 to 5 years.

A DMP provider works on a business’s behalf to work out what they can afford to pay, negotiate payments with creditors, and distribute the payments to your creditors each month.


During some financial solutions, such as an IVA or bankruptcy, an individuals name will be added onto the insolvency register which can be viewed by anyone. However, this will not occur as a part of the debt management plan.


Any communications a business would have with creditors would significantly decline. Whether it be bailiff action or demands for payments you can expect these to become a rarity.


You will only make one affordable monthly payment to your creditors, and can change the figure of said payment to suit the businesses circumstances.


Interest rates and charges will be frozen as part of the debt management plan. This gives you time to focus on just repaying the amounts, rather than paying off additional costs.

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HQ Club | Exclusive offer!

BS4C are Commercial Advisors from a wide range of Business Sectors who have experience helping Companies find Solutions with their Creditors.

Our expert partners are offering a FREE Expert Consultation.

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Most frequently asked apprenticeship questions

Debt Management is a way to get a businesses debt under control through financial planning and budgeting. The goal of debt management is to strategise and use those plans to help businesses lower their current debt and proceed towards eliminating it. 

  • Simplify and streamline costs by making just one payment
  • Many creditors will be able to help you out with lower interest rates
  • Fewer collection calls
  • Eliminate fees
  • Freedom from debt

This is dependant on what time a business would have contacted a debt management company. 

Many companies act far too late in contacting a debt management specialist in hope that they can avoid serious damage to its credit, but by then it would be too late. 

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Don’t take our word for it, hear what our happy clients have to say
BrightHR have partnered with HQClub throughout their involvement with the governments Kickstart scheme and the experience has been great!

We receive regular, high volume, high quality sales leads from HQClub and thanks to the warm handover and high standards of qualification we’ve been able to serve 100’s of HQClub customers to a very high standard. Resulting in excellent performance and many, many happy customers.
Andrew Gorry
Chief Digital Growth Officer

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Pease fill out the form below, and we will be in touch shortly about your apprenticeship application.

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Where will the apprentice(s) be based? *

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Please select an apprenticeship category of interest (you can make multiple selections)*

Customer service roles such as, business admin, customer retail, sales representative etc.
Supporting and engaging with different parts of the organisation and interact with internal or external customers.
Dealing with customer queries, purchases and complaints.
Providing customer service products and services for businesses and other organisations including face-to-face, telephone, digital and written contact and communications.
Helping customers buy products or services from retail organisations such as department stores, garden centres, high street chains, supermarkets and online and mail order businesses.
Construction industry roles such as, carpentry and joinery, plumbing and domestic heating etc
Using timber products to create and install building components.
Fitting and servicing domestic water, heating and drainage systems.
Installing and servicing a range of domestic and commercial equipment.
Make and repair upholstered furniture.
Hair & Beauty industry roles, such as nail technician, hair professional, beauty therapist etc.
Working as a barber or hairdresser to provide hair cutting, styling and grooming services for men and women.
Completing beauty treatments as a key part of a beauty business.
Selling beauty products and helping customers choose which ones to buy.
Completing nail services on a one-to-one basis with individual customers/clients within commercial timings.
Hospitality & Service roles such as, hospitality supervisor/mananger, chefs, bakers, etc
Working across a variety of organisations focusing on ensuring excellent customer experience.
Preparing food and carrying out basic cooking tasks in every section of a kitchen under the supervision of a senior chef.
Running a specific section of a professional kitchen, for example, sauces, pastries or fish.
Carrying out a range of general and specialist roles within hospitality businesses, including bars, cafes, conference centres, restaurants and hotels.
Web, Marketing & Data roles such as, digital marketer, marketing executive etc
Use online and social media platforms to design, build and implement campaigns and drive customer sales.
Creating content for a wide range of media, including digital, social media, broadcast and print.
Helping to shape, support and deliver marketing plans, working in conjunction with the Marketing Manager.
Develop, implement and maintain complete IT solutions such as networks, operating systems and applications.
Engineering & Mechanical industry roles such as, Electrical & mechanical engineers, vehicle repair etc
Carrying out a range of engineering operations.
Providing technical support to engineers and other construction professionals.
Removing and refitting damaged mechanical and electrical components on a car before and after body repair work has been carried out.
Carrying out a range of services and repairs to cars, car derived vans and light goods vehicles.
Team Leaders & Management roles such as, Project management, Team Supervisor, Senior Leader etc
Leading the care service and managing teams of carers to look after adults with care needs.
Managing teams and projects to meet a private, public or voluntary organisation's goals.
Managing teams and projects in line with a private, public or voluntary organisation's operational or departmental strategy.
Responsible for the marketing activities and strategy of their organisation.
If you can't find the right category for your business, please select this. There will be a following question on the next page to describe your sector and requirements.
Please describe the course you are looking for. *
How many apprentices are you interested in taking on? *

We have a person in mind who is not yet with our company but we could take them on.

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Please describe their relevant training experience.

IMPORTANT! You must click the button below to submit your Kickstart Apprenticeship Application