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Business Debt Consolidation
Combine multiple business debts into one loan with one payment. Lower your rate, simplify cash flow. One application to 75+ lenders. Powered by National Business Capital.
National Business Capital network figures.
Understanding Business Debt Consolidation
Business debt consolidation combines multiple existing business debts, such as short-term loans, MCAs, or credit card balances, into a single new loan with one monthly payment and ideally a lower overall rate.
How It Works
The new loan pays off your existing balances, leaving you with a single payment instead of multiple. If the consolidated loan has a lower rate or longer term than your original debts, your monthly payment drops and cash flow improves.
Key Terms & Eligibility
$25K to $1M
2 to 7 years
8% to 30% APR
3 to 14 days
580
Varies; may be secured or unsecured
One application returns matched offers from 75+ lenders, so you compare instead of guess.
Who Should Use Business Debt Consolidation?
Businesses juggling multiple loan payments, especially those with high-cost short-term debt or MCAs. Best when you can qualify for a lower rate than what you are currently paying.
Common Uses
- Consolidating multiple MCA balances into one payment
- Refinancing high-interest short-term loans
- Combining credit card debt into one payment
- Simplifying cash flow with a single monthly payment
Pros & Considerations
Pros
- One payment instead of many
- May lower your overall rate
- Longer terms reduce monthly payment
- Frees up cash flow
Considerations
- May extend total repayment period
- Requires qualifying for better terms
- Could pay more interest over the longer term
How You Qualify
Lenders weigh the whole business, not just a score:
- Time in business and revenue (min. 1 year, $15K/mo)
- Bank deposit consistency and cash flow patterns
- Owner credit (min. 580), as one input among several
- Collateral or asset value, where applicable
Strong revenue or valuable assets can carry a deal that credit alone would not.
How to Apply
- Tell us how much you need and what for. One form, no fee to apply.
- Share basic business and owner details. No hard credit pull to pre-qualify.
- Send recent bank statements, plus equipment quotes, invoices, or financials if relevant.
- Compare matched offers from 75+ lenders and pick what fits.
FAQ
How does business debt consolidation work?
You take out a single new loan that pays off all your existing business debts. You then make one payment to the new lender instead of multiple payments to different creditors. If the new loan has a lower rate or longer term, your monthly payment decreases.
Can I consolidate merchant cash advances?
Yes. MCA consolidation is one of the most common uses. MCAs carry high factor rates and daily payments that strain cash flow. A consolidation loan with a lower APR and monthly payments can significantly reduce your daily obligations.
Will debt consolidation lower my monthly payment?
In most cases yes, if you qualify for a lower rate or longer term than your current debts. The NBC network matches you with lenders that offer the best consolidation terms you qualify for based on your revenue and credit.
What credit score is needed for debt consolidation?
Most consolidation programs look for a credit score of 580 or higher. Since you are paying off existing debt, lenders also look at your current debt-to-income ratio and whether the consolidation improves your cash flow.
Is there a hard credit pull to pre-qualify?
No. There is no hard credit pull to pre-qualify through the NBC network, so checking your options does not affect your credit.
Does debt consolidation hurt my business credit?
No. Paying off existing debts through consolidation typically improves your credit profile, as it shows creditors you are managing your obligations. The key is making on-time payments on the new consolidated loan.
Can I consolidate personal and business debt together?
Business debt consolidation covers business debts only. Personal debts would need a personal consolidation loan. However, if you personally guaranteed business debts, the business consolidation loan can pay those off.
Comparing Business Debt Consolidation to Other Options
- vs. SBA Loans: SBA offers lower rates and longer terms but takes 30-60 days. Business Debt Consolidation may fund faster but at higher rates.
- vs. Equipment Financing: Equipment financing is secured by the asset and limited to equipment purchases. Business Debt Consolidation offers broader use of funds.
- vs. Working Capital Lines: Working capital lines are revolving and best for ongoing needs. Business Debt Consolidation provides a lump sum suited to specific capital needs.
Related Financing Options
- SBA Loans — government-backed, lowest rates
- Equipment Financing — asset-secured, fast approval
- Working Capital Loans — revolving, flexible use
- Business Line of Credit — draw only what you need
Sources
- U.S. Small Business Administration, finance your business: sba.gov/business-guide
- Federal Reserve, Small Business Credit Survey: fedsmallbusiness.org/
- SBA funding programs overview: sba.gov/funding-programs
About Manu
Manu is a digital platform that helps US manufacturers and small businesses list facilities, showcase capabilities, and market products.
About National Business Capital
National Business Capital is a fintech financing platform that connects businesses with 75+ lenders, $3B+ secured nationwide since 2007.
Verified Reviews
Businesses funded through the National Business Capital network have left 3,000+ five-star reviews on Google and Trustpilot. NBC has secured over $3B in financing since 2007 and maintains an A+ rating. Read verified reviews on NBC's website.
This page was last reviewed July 11, 2026 by Malik Samara, Managing Partner. Our editorial team reviews and updates content on a rolling basis. Learn about our editorial standards.
Manu Business Lending is a paid referral partner of National Business Capital. Financing is provided by NBC and its lender network, not by Manu, and all loans are subject to lender approval, terms, and conditions.