Business debt consolidationone facility instead of several.

Several small facilities can be harder to run than one larger one. Different dates, different portals, different people chasing. Business debt consolidation is the idea of replacing that stack with a single unsecured loan, if the business supports it.

TurnoverLoans.com asks about existing unsecured business debt in the qualification check, and debt consolidation is a listed purpose. That is deliberate: we need to see what is already on the books. See if you qualify →.

What consolidation can and cannot do

It can make cash flow easier to plan. It cannot promise a cheaper rate, a lower total cost, or a clean slate. Those outcomes depend on the existing facilities, the new terms, and assessment. We do not show rates in the initial check, and we will not use this page to imply that rolling debt together is always a saving.

Consolidation also does not remove missed payments or other items from a credit file. If credit history is part of the concern, business loans with bad credit explains how the initial turnover-led check differs from a later assessment.

If the real issue is a short-term cash gap rather than a pile of existing loans, working capital is the more accurate purpose. If you have no security to offer and that is why the current stack exists, read no-collateral business loans as well.

We will ask what you already owe

The check includes a figure for unsecured business debt. That is not a gotcha. An unsecured business loan on top of existing unsecured debt has to make sense as a whole. How to qualify walks through the other questions — trading history, turnover, GST, structure — in the order they appear.

Subject to assessment, on purpose

Consolidation is one of the easier products to oversell. We will not. The range is $50,000 to $3 million. The next step is the qualification check. Anything beyond an indicative maximum would be explained before you proceed.