BUSINESS DEBT CONSOLIDATION
What is it?
A business debt consolidation loan combines multiple business debts into one loan.
Instead of managing several payments, you make one fixed monthly repayment.
It can help simplify your finances and improve cash flow management.
It may also reduce monthly borrowing costs depending on your terms.
FOUR SIMPLE STEPS
How it works
Complete our online form
Fill in a few basic details about your business — it only takes a couple of minutes.
We match you with lenders
We search our panel of 50+ lenders to find the right loan for your business.
Receive your options
Get clear, tailored loan offers with no obligation — compare and choose what works for you.
Get funded fast
Accept your offer and receive funds in your account — some lenders offer same-day funding.
SMART FUNDING SOLUTIONS
Benefits of Consolidating Business Debt
One simple monthly repayment
Replace multiple due dates, amounts, and lenders with a single predictable payment — reducing admin and the risk of missed payments.
Potential cost savings
Swap costly short-term debts — like MCAs or overdrafts — for a single facility with more competitive terms and potentially lower monthly outgoings.
Cost savings depend on the rate, term, and structure of the new loan vs your existing debts.
Improved cash flow visibility
A structured, predictable repayment schedule makes it easier to plan ahead, avoid cash flow shocks, and take on new projects with confidence.
Support your credit profile
Reducing debt complexity lowers the risk of late payments. Consistent repayments on your new loan can help build financial reliability with credit agencies over time.
BUSINESS DEBT CONSOLIDATION ELIGIBILITY
Eligibility criteria
Debt consolidation could be right for your business if:
- You are managing multiple loans, credit facilities, or business debts
- You want to reduce monthly outgoings or total interest costs
- You need more structured and predictable financial planning
- UK registered business
- Financial statements may be required depending on the loan size
Exact criteria vary by lender. We match you with lenders whose requirements suit your profile — with no impact on your credit score to apply.
Rates & terms
Interest rates vary depending on the Bank of England Base Rate, the lender, and your business profile. Unsecured loans typically carry higher rates than secured. Subject to status and affordability.