Financing
Debt Consolidation
One new facility that pays off several expensive short-term positions, replacing a pile of daily or weekly debits with a single, longer, lower payment. Cash-flow oxygen — not new spending money.
Key terms
The facts, up front.
- Approval range
- $50,000 – $5,000,000
- Term
- 1 – 10 years
- True APR
- 8.99% – 22.99%
- Funding speed
- 3–14 business days
- Credit pull
- Soft for analysis · hard at closing
The true cost
Model your consolidation
Move the inputs to see the real numbers. We show total repaid and the effective rate — nothing hidden.
New single monthly payment
$17,061
Monthly increase
$7,061
Total repaid
$1,023,658
APR
12.99%
A longer term lowers the payment but can raise total interest — both shown. Rates as of September 2, 2026.
A strong fit when
- Two or more short-term positions stacking daily debits
- Owners suffocating on payment frequency, not just rate
- Trading many payments for one number you can plan around
Probably not when
- Adding net-new capital — this restructures what you already owe
- Businesses that are unprofitable at the operating level
How the process actually works
We start with a soft-pull analysis of your existing positions and model the real before-and-after monthly cash impact.
Matching runs on a soft pull; a hard pull happens only when you accept a specific offer.
Questions
Debt Consolidation, answered.
- Consolidation can lower payments by extending the term, which may increase total interest paid. Our calculator shows both.
- Results depend on your existing balances and pricing. Consolidations are arranged through our lending-partner network.
Debt Consolidation
See if this is your best option.
One application, and the matching algorithm surfaces every partner built for your profile — so you can see whether this product is truly your best fit.