What consolidation actually means
Business debt consolidation means rolling several obligations—such as equipment loans, merchant advances, credit lines, term debt, or tax obligations—into one financing facility. The goal is typically one payment and a clearer maturity, subject to the structure a lender is willing to offer.
It can also mean arranging new capital to retire existing obligations. This is commercial financing through refinancing and restructuring—not consumer debt relief, debt settlement, or credit repair, and it does not promise reduced balances. Eligibility, terms, and cost depend on the lender and the business's financials; we review the available options with the client.
Signs it's worth a look
- Multiple payments to multiple lenders each month.
- Short maturities stacking up.
- High-cost merchant advances.
- A lumpy repayment schedule that strains cash flow.
- Debt taken on for old needs that no longer fits the business.
How the process runs
- Review the current debt schedule and financials.
- Assess what the business can support.
- Approach the appropriate financing route: a credit line, term loan, asset-based financing, or acquisition financing.
- Close and retire the existing obligations.
- Move forward with one facility and one schedule, if that structure is the right fit.
How we approach it
We work with owners alongside their attorneys and CPA firms, keeping the review confidential and grounded in the business's actual obligations, cash flow, assets, and objectives.
The right answer is sometimes not to consolidate. We will review what is realistically available; the broader business-financing range described by Stapleton Frost is $50,000 to $3 billion, while the appropriate amount and structure depend on the lender and the business's financials.