Why speed matters here
Stacked daily and weekly repayments are one of the fastest ways to drain a healthy business. Each lender takes its cut before you've paid wages or suppliers. Consolidating into one loan, usually at a lower rate and over a longer term, can free up thousands in weekly cash flow and give you one date to manage instead of six.
How we can fund it
Property-secured
Property-secured consolidation is the most powerful option. Larger amounts, lower pricing than unsecured stacks, and interest-only or capitalised structures that take pressure off cash flow straight away.
Up to $5M · as little as 24 hrs · no financials
Cash-flow loan
Without property, we can sometimes refinance two or three smaller unsecured debts into one cash-flow loan with a single, lower repayment. It depends on your turnover.
From bank statements · as little as 2 hrs
What helps us move fastest
- A list of each debt, balance and repayment
- Payout letters (we can request these)
- Property details if you own real estate
- Recent bank statements showing current repayments
A tradie with six repayments a week
A Gold Coast building contractor was paying four online lenders, a merchant advance and an ATO plan, over $9,000 a week. A $410,000 second mortgage over his home paid them all out. His weekly outgoings dropped to one monthly interest payment while he rebuilt cash reserves.
Frequently asked questions
Can I consolidate business debt with bad credit?
Yes, especially with property security. Stacked repayments often cause credit issues in the first place. Consolidation is how you fix them.
Which debts can be consolidated?
Online business loans, merchant cash advances, lines of credit, credit cards, equipment arrears, supplier accounts, ATO payment plans and private loans.
Will consolidation lower my repayments?
In most cases, yes, by reducing the rate, extending the term or using an interest-only structure. We'll show the before-and-after figures before you decide.
Does it cost anything to apply?
No. There's no cost to apply or check your eligibility. All costs are set out in writing in your loan offer before you sign anything.
