Simplify Multiple Business Loans Into One Payment
Multiple loans, multiple due dates, multiple lenders. Consolidation replaces all of it with a single product, a single payment, and a lower blended cost of capital — when the math works in your favor.
What Is Business Loan Consolidation?
Business loan consolidation means replacing two or more existing financing obligations — loans, advances, credit lines — with a single new product that carries one payment, one lender relationship, and ideally a lower blended cost.
It works best when the consolidated product carries a meaningfully lower rate than the weighted average of existing obligations, or when the combined monthly payment is straining cash flow even if the total cost is similar.
The most important step is running the full math — including any prepayment penalties on existing loans — before deciding whether consolidation makes financial sense. We do that analysis before submitting any application.
Debt types consolidated
Loans, MCAs, LOCs
Funding timeline
1–10 business days
Consolidation range
$25K–$5M
When Consolidation Makes Sense
Not every situation calls for consolidation. These are the signals that it is worth exploring.
Multiple payments each month
Managing four different payment dates, amounts, and accounts is an operational burden that grows with each new position.
Blended rate higher than current market
If your existing loans were taken at different times and rates, consolidating today may reduce your blended cost of capital.
Cash flow is consistently tight
Combined monthly debt service consuming more than 20-25% of revenue leaves little room to operate or invest in growth.
Declined for new financing
Lenders count all existing debt obligations. Too many active positions block access to new capital even when the business performs well.
Wanting a single lender relationship
Simplifying to one lender makes renewals, increases, and future financing conversations much easier to manage.
Impending balloon payment or rate reset
If an existing loan has a balloon payment coming due or a variable rate about to reset, consolidating now into a fixed product removes that uncertainty.
Multiple Loans vs. Consolidated
| Multiple Loans | Consolidated | |
|---|---|---|
| Number of payments | Multiple dates, amounts | One payment, one date |
| Tracking overhead | Multiple accounts and portals | Single lender relationship |
| Blended interest cost | Varies — often higher when mixed | Single known rate |
| Cash flow predictability | Variable — multiple due dates | Predictable and fixed |
| Access to future capital | Restricted by multiple obligations | Improved as debt reduces |
| Financial statement clarity | Multiple line items and balances | Single liability, easier to read |
How Business Loan Consolidation Works
From existing obligations to a single clean structure.
Inventory your existing obligations
List all active loans, advances, and lines of credit — lender, remaining balance, rate or factor, and monthly or daily payment. We do this together; you do not need it all memorized.
Run the consolidation math
We calculate the blended cost of your existing debt, compare it against consolidation product options, and factor in any prepayment penalties. If the math does not favor consolidation, we tell you before you apply.
Collect payoff statements
Each existing lender provides a payoff letter showing the exact amount needed to close the position. Most lenders provide these within 1–2 business days on request.
New product funds and pays off existing debt
Consolidation financing is approved and funded. Existing positions are paid off directly. You begin a single payment cycle to one lender.
Tell us what you are carrying and we will run the consolidation math — no hard pull required.
Get a Free EstimateQualification Requirements
Time in Business
6+ months for revenue-based consolidation. 1+ year for term loan. 2+ years for SBA. Longer history expands your options and reduces cost.
Monthly Revenue
$10,000+ minimum for most products. Consolidation amount is typically sized to 100–200% of monthly revenue depending on product.
Credit Score
500+ for revenue-based and MCA consolidation. 580+ for term loans. 640+ for SBA. Strong bank statements can partially offset weaker credit.
Frequently Asked Questions
Free Tools to Run the Numbers
Understand your existing cost of capital before applying.
Business Loan Calculator
Estimate monthly payments and total cost on a consolidation term loan at various rates and terms.
Factor Rate to APR
If any of your existing positions are MCAs, convert their factor rates to APR for a true apples-to-apples comparison.
Debt Payoff Planner
Model out the payoff timeline on each existing obligation at current payment amounts.
Financial Health Checklist
A 24-point self-assessment to understand where your business stands with lenders before applying.
See If Consolidation Makes Sense for You
No hard credit pull. Share your existing obligations and we will run the numbers — including whether consolidation actually saves you money before recommending it.