Bring your business
debt together.

Eligibility depends on the funding partner and your existing obligations. Your specialist can review the loans, credit lines, and other business balances you want to include.

No. Consolidation uses new financing to pay eligible obligations. Settlement involves negotiating with creditors, potentially for less than the amount owed.

This product is for business debt. Tell your specialist which obligations you want to review so they can explain the available options.

Start by identifying the balances you want reviewed. Which debts can be included depends on the offer and creditor payoff requirements. Compare the proposed plan with any debts you would keep separately, including their ongoing payments.

Not necessarily. A lower payment can give you more room in your budget while a longer term increases the total cost. Compare the full repayment, new financing fees, and any early-payoff charges on your existing debts.

Your agreement identifies the debts being paid and how the money reaches each creditor. Keep making required payments until you confirm those debts are paid off. Check for any remaining balance before cancelling an automatic payment.

Put the current and proposed schedules side by side over the same period. Add up the payments actually due during that period, then compare total repayment over the full term. A lower monthly outflow alone does not show whether the new financing costs less.

A payoff quote is tied to a date. Interest, fees, and payments made afterward can change the amount needed to close the debt. Check that the payoff figures used in the new agreement are current before funds are sent.

You remain responsible for those debts under their existing terms. Include their payments in your budget alongside the new financing. Check which accounts are being paid in full and which will still have a balance.

Gather your current financing agreements, recent business financial records, and payoff statements. A payoff statement shows what it takes to close a debt on a specific date, which may differ from the balance on your latest statement. Your specialist will confirm what else is needed.

For each debt, note the creditor, balance, payment amount, payment frequency, and remaining term if you know it. Flag any past-due amounts or payoff fees. That makes it easier to compare your current obligations with a proposed plan.

Yes. The application lets you start with estimates for your business debts and current payments. Use your latest records where possible. Exact payoff amounts will need to be confirmed before a final consolidation plan can be assessed.

Consolidation involves a new financing application. Credit checks depend on the funding partner, so confirm which checks apply before authorizing them. Combining debts does not guarantee approval or a lower rate.