The means test applies to individuals whose debts are primarily consumer debts, not business debts. It requires those who have the resources to pay back all or a portion of their debts to do so. Typically, the means test is based on income. If your income is too high, you will not be eligible to have all your debts discharged in Chapter 7 bankruptcy.
However, If more than 50% of your debt is business debt, you may be eligible to file for Chapter 7 bankruptcy without doing the means test. For example, if you have a debt from a commercial lease that was broken, the unpaid lease payments for the projected term of the lease could significantly add to the amount of business debt you’re carrying. If you have more business debt than consumer debt, you may be able to skip the means test and discharge all your debts through Chapter 7 bankruptcy.