One Payment. One Rate. One Path Forward.

Business debt consolidation replaces multiple existing obligations -- merchant cash advances, credit card balances, short-term loans, and equipment notes -- with a single loan at a lower blended rate and a longer repayment term. The result is a simpler financial picture, reduced monthly outflow, and more predictable cash flow management. Many small business owners accumulate debt incrementally: a merchant cash advance to cover a slow month, a high-interest credit line to purchase equipment, a supplier credit arrangement with unfavorable terms. Individually, each obligation may have seemed manageable, but the combined daily or weekly payments can consume a dangerous share of revenue. Debt consolidation restructures this burden into one payment that aligns with your actual cash flow capacity. The financial benefit is straightforward math. If you are currently paying 25% on a merchant cash advance, 19% on a business credit card, and 15% on a short-term loan, consolidating into a single 10-12% term loan immediately reduces your cost of debt. More importantly, it frees up daily cash flow that was being consumed by multiple automatic debits. Consolidation is not about taking on new debt -- it is about reorganizing existing debt more efficiently. Lenders evaluate your total outstanding obligations, your monthly revenue, and your ability to service the consolidated payment. Businesses with $50,000 to $500,000 in combined outstanding debt and consistent revenue are the strongest candidates for consolidation.