Debt Consolidation Loans

Simplify multiple business debts into one payment with better terms and improved cash flow.

$20K - $1M

Funding Range

3-7 Days

Fast Funding

Premium Financing

Debt Consolidation Loan Overview

Our Business Debt Consolidation Loans provide $20,000 to $1,000,000 to combine multiple high-interest business debts into a single, manageable payment. Consolidate merchant cash advances, high-interest loans, credit cards, and lines of credit into one loan with better terms. Reduce your monthly payment burden, improve cash flow, simplify bookkeeping, and potentially save thousands in interest. Fast approval process to help you escape the debt trap and regain financial control—backed by our commitment to transparency and helping businesses thrive.

💰 AMOUNT

$20K - $1M

⏱️ SPEED

3-7 Days

📊 RATE

9%-25%

📝 TERMS

12-60 months

What Do You Need to Qualify?

Qualifying is straightforward with our flexible criteria designed for your business.

Minimum Credit Score
620+ (shows improvement path despite current debt burden).
1+ year in business (showing business viability).
$15,000+ monthly revenue to support consolidated payment.
3 or fewer (despite existing debts).
Total debt amount, current payment obligations, business cash flow, debt-to-income ratio, and industry stability.
Bank statements (3-6 months), list of current debts with balances and payment schedules, business financial statements, tax returns (if available), and payoff letters from existing creditors.

Why Use Black Tie Funding for Debt Consolidation Loan

We stand out by offering business-focused solutions with minimal paperwork, competitive rates, and transparent terms.

Lower Monthly Payments
Significantly reduce your total monthly payment burden and improve daily cash flow.
Replace high-interest MCAs and loans with a single lower-rate consolidated loan.
One payment, one lender, one date—no more juggling multiple creditors and due dates.
Break the cycle of stacking debts and struggling with overwhelming payment obligations.
Paying off multiple debts and establishing a positive payment history improves your credit profile.
Consolidate some or all debts depending on your goals and qualification.

Explore Similar Funding Solutions

Business Line of Credit

$5K–$500K, 1-3 days

Working Capital Loans

$10K–$1M, 1-5 days

SBA Loans

$30K–$5M, 30-90 days

What Our Clients Say

Frequently Asked Questions

What types of debt can I consolidate?

Most business debts including merchant cash advances, business term loans, lines of credit, credit cards, equipment loans, and other business financing.

Often yes—by replacing high-rate debts with a lower-rate loan and reducing fees, most businesses save significantly. We’ll calculate your savings before you commit.

Possibly—we evaluate your overall situation. If your business is viable but overwhelmed by payments, consolidation might be the solution.

Typically 3-7 days from application to funding. We’ll pay off your existing creditors directly to ensure clean closure.
Initially there may be a small impact from the credit inquiry, but over time, reducing debt utilization and making consistent payments will improve your credit score.

Ready to Grow Your Business?

Apply now for fast, flexible funding—backed by our nationwide network and business expertise.

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Consolidation Loan

Combine multiple debts into one payment
Amount Range
$10,000–$500,000
Funding Speed
3-7 days
Term
12-60 months
Rate
10-30% APR
Min Credit Score
580+
Time in Business
1+ year
Min Monthly Revenue
$15K/month
Max Negative Days
3 per month
Full Transparency
What’s Involved: Simple application process with minimal documentation required.
True Costs: All fees are disclosed upfront with no hidden charges or surprises.
Payment Schedule: Clear payment terms with flexible options to match your cash flow.