Debt Consolidation
Simplify your finances by combining multiple business debts into a single, manageable payment with potentially lower rates.
25%
Avg. Cash Flow Saved
3.5
Avg. Positions Consolidated
97%
Client Satisfaction
30%
Avg. Cost Reduction
Overview
Business debt consolidation allows you to combine multiple existing debts -- such as merchant cash advances, credit card balances, and short-term loans -- into a single payment. This can lower your overall cost of capital, simplify your financial management, and improve your cash flow. Our team analyzes your current obligations and structures a consolidation plan that puts your business on a path to financial health. Many business owners find themselves juggling multiple daily or weekly payments from various lenders, which creates cash flow strain and administrative headaches. Our consolidation programs are designed to replace that chaos with a single, predictable payment -- often at a lower total cost than what you are currently paying.
Key Benefits
Who Is This Ideal For?
- 1Businesses with 3 or more active funding positions
- 2Owners making daily or weekly payments to multiple lenders
- 3Companies whose multiple payments exceed 30% of monthly revenue
- 4Businesses that have been denied additional funding due to stacking
- 5Owners who want to reset their financial position and start fresh
Real-World Use Cases
A restaurant owner with 4 active MCAs totaling $200,000 in daily payments consolidates into one monthly payment, saving $3,000/month
A retailer paying $800/day across 3 advances consolidates into a $12,000/month term loan
A contractor with $150,000 in equipment loans and two credit lines merges everything into a single 3-year term
A medical practice replaces 5 different payment obligations with one fixed monthly amount
A salon owner stacked 3 MCAs during a slow period and needs to restructure before payments become unmanageable
An e-commerce business with seasonal revenue consolidates debt to align payments with cash flow cycles
Quick Facts
Funding Range
$25,000 - $5,000,000
Funding Speed
5-10 business days
Term Length
1 - 5 years
No obligation. Free consultation.
Upload Documents
Optional -- speed up your application by preparing these documents.
Bank Statements
Last 3 months of business bank statements
Driver's License
Valid government-issued photo ID
Voided Check
Voided check from your business account
How to Qualify
- 1Minimum 6 months in business
- 2Existing business debt to consolidate
- 3Monthly revenue of $15,000+
- 4Ability to demonstrate repayment history
- 5Willingness to commit to a structured payoff plan
Industries We Serve
The Process
How Debt Consolidation Works
Our streamlined process gets you from application to funded as quickly as possible.
Free Financial Assessment
Share your current debt obligations -- MCAs, loans, credit lines, and credit cards. Our team conducts a thorough analysis of your total cost of capital and payment burden.
Custom Consolidation Plan
We design a personalized plan that combines your existing debts into a single product with a lower blended rate and extended terms, freeing up cash flow immediately.
Lender Negotiation
Our team works directly with your existing lenders to negotiate payoffs, obtain balances, and coordinate the transition. You do not have to deal with multiple lenders yourself.
Single Payment, Fresh Start
Once all existing positions are paid off, you have one simple payment at a lower total cost. Your cash flow improves and your business can breathe again.
Get Started
How to Apply
Follow these simple steps to begin your funding journey.
List Your Current Obligations
Gather statements or balances for all your current business debts -- MCAs, loans, credit lines, and credit cards. The more complete the picture, the better we can help.
Schedule a Free Consultation
Speak with one of our debt consolidation specialists. They will review your obligations, calculate your current total cost, and determine if consolidation makes sense for you.
Review Your Consolidation Offer
Receive a detailed proposal showing your new single payment amount, total savings, and timeline. Compare it side-by-side with what you are currently paying.
Close and Simplify
Accept your offer, and we handle everything: paying off existing lenders, closing old accounts, and setting up your new single payment. The entire process typically takes 5-10 business days.
Honest Assessment
Pros & Cons
We believe in full transparency. Here is an honest look at the advantages and limitations.
Advantages
- Immediate cash flow relief from reduced payment burden
- One simple payment instead of multiple confusing ones
- Often lowers total cost of capital significantly
- Stops the debt stacking cycle
- Provides a clear path to becoming debt-free
Considerations
- May require a longer overall repayment period
- Some existing lenders may charge prepayment fees
- Requires commitment to avoid taking on new debt
- Not available if existing positions are too far behind
Common Questions
Debt Consolidation FAQ
Get answers to the most frequently asked questions about this funding product.