Business Debt Consolidation Loans - No Minimum Credit Score Required

Keep Your Business Moving By Consolidating & Extending Your Debt Payments.

* Advance Funds Network does not provide funding for startups,
Read qualification requirements here.

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Simplified steps to get a debt consolidation loan

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Apply Online

Kickstart your funding journey with a simple online application. It’s quick, user-friendly, and gets you on the fast track to financial support.

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Compare Approvals

We provide you with various funding options tailored to your business needs. Take your time to compare and choose the best fit. Our transparent comparison makes it easy to understand your choices.

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Receive Funding

Once you pick the best option, the funds are quickly processed and made available to you. Experience a smooth funding process designed to get the capital to your business efficiently.

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Get Back to Business, Not Bills

Dealing with lots of different debts? It’s like being pulled in a bunch of directions at once. Our debt consolidation loans combine all your different debts into one. You get one bill, one payment date & one interest rate that makes sense.

We know you’ve got big plans, and debt shouldn’t slow you down. When you’re not chasing multiple payments, you’re planning your next big move. It’s freedom from the daily grind of debt management. We’re all about making things simpler and getting you back on track. Merging your debts with us means you can focus more on building up your business and less on the paperwork.

The aim is to provide you a clear path forward, not just a quick fix. See how one loan can change everything.

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Business debt consolidation

Drowning in different debts can feel like you’re being held back from the big dreams you have for your business. We get it, and that’s why our personalized debt consolidation loans are designed with your ambitions in mind. It’s made to fit your business, no matter your past credit history.

Our approach is simple. Consolidate your debts into one payment, and suddenly, the path to financial clarity & business expansion becomes a lot clearer. Whether your credit’s been a barrier before doesn’t matter. We see the bigger picture. 


These consolidations are designed to smartly pull your finances back into line, helping you feel more secure & less stressed about money.

Let’s simplify your finances with one loan, setting your business up for success.

Your Shortcut to Debt-Free Start

Take the guesswork out of your business finances with a solution that brings everything under one roof. Too many debts make things messy. We make it all one loan so you can see clearly and plan better.

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Predictable Payment

Enjoy the clarity of fixed monthly payments that fit your budget, ensuring financial management is straightforward. Whether your business journey is just beginning or you’re ready to take the next step, our terms are designed to match your pace.

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Expert Financial Support

Connect with our funding specialists who understand your business’s unique needs. We’re here to guide you through the application process, ensuring you find the loan terms that best fit your business scenario, with a focus on growth.

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Straightforward Eligibility

Your business’s performance opens the door to financial opportunities. Our simple online application process assesses your needs quickly, allowing you to qualify based on a minimum projected annual revenue of $180,000 and a credit score of at least 500.

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Let's make debt simpler to handle

If sorting out multiple debt payments is keeping you from focusing on your business, let’s talk. That means one due date, one payment to manage, making your financial goals visible and more attainable.

Trusted By Real Businesses. Built For Real Results.

See why businesses across the US, Canada and UK trust Advance Funds Network for straightforward funding solutions, responsive support and opportunities to move their business forward.

Frequently asked questions

What is business debt consolidation?

Business debt consolidation involves combining multiple business debts into a single loan with a unified monthly payment. This approach simplifies financial management and can potentially reduce overall interest costs, making it easier for businesses to manage their liabilities.

Several financing options can facilitate business debt consolidation, including:

  • Term loans: Fixed amounts borrowed and repaid over a set period.
  • SBA 7(a) loans: Government-backed loans that can be used to refinance existing business debt.
  • Business lines of credit: Flexible funding sources that can pay off existing debts.
  • Balance transfer business credit cards: Cards that allow transferring existing credit card debts to a new account, often with an introductory low-interest period. 

Each option has its own eligibility requirements and terms.

Consolidating business debt offers several advantages:
  • Simplified payments: Merging multiple debts into a single loan reduces the number of payments and creditors to manage.
  • Potential cost savings: Securing a lower interest rate on the consolidation loan can decrease overall interest expenses.
  • Improved cash flow: Lower monthly payments can free up capital for other business operations.
  • Enhanced credit profile: Consistent, on-time payments on the new loan can positively impact the business’s credit score.
While debt consolidation can be beneficial, potential risks include:
  • Fees and costs: Some consolidation loans may come with origination fees or prepayment penalties.
  • Collateral requirements: Secured loans may require business assets as collateral, putting them at risk if repayments aren’t met.
  • Extended repayment terms: Longer loan terms can lead to paying more interest over time, even with a lower rate.
  • Temporary relief: Without addressing underlying financial issues, consolidation may only provide short-term benefits.

Have more questions?

Try our AI Support Agent below or Contact Us.

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