Business Debt Consolidation

Business Debt Consolidation

Business funding designed to consolidate multiple business debts into a more structured repayment plan, helping improve cash flow and simplify monthly obligations.

Program Rates & Terms

• Loan Size: $25,000 to $1,000,000
• Estimated Rate: 7% to 18%
• Term: 2 to 10 years
• Purpose: Consolidate existing business debt into one structured payment
• Collateral: May require a lien depending on lender and borrower profile

Qualification Guidelines

• Credit: 640+ preferred
• Time in Business: 1 to 2 years preferred
• Revenue: Stable business revenue preferred
• Debt Profile: Existing debt should be documented and reviewable
• Cash Flow: Improved repayment ability after consolidation is important

Required Documents

• Business debt schedule
• Recent business bank statements
• Business tax returns
• Current loan or debt statements
• Completed application

Best Fit For

• Businesses with multiple debt payments
• Businesses seeking lower monthly payments
• Cash flow improvement
• Debt restructuring
• Replacing high-cost business debt
• Companies with stable revenue but too many obligations

Key Insight

Business debt consolidation can improve cash flow when structured correctly. The goal is not simply to borrow more money, but to reorganize existing obligations into a clearer and more manageable repayment plan.