For a creditor proof business, look for the silver lining in any mortgage that can shield your business’ assets from less friendly creditors. Creditors don’t want assets fully mortgaged to another creditor. The challenge is to find that friendly creditor to debt-shield your business. Consider the possibilities. Did a relative loan you money to begin or expand the business? Perhaps you loaned money to your business. Why not secure it with a mortgage? Do you owe a friendly supplier? Why not give this supplier a mortgage on your business to help keep other wolves at bay? A friendly banker or another lender may also be helpful if that lender would cooperate. A friendly lender can save your business during the tough times. They also give you the shield you need to discourage lawsuits.
You explained how equity reduction mortgages can shield the family home and investment properties. Can this also work for a business?