Overview
What consolidation and refinancing involve
Consolidation generally replaces or combines existing financing positions with a single new structure. Refinancing replaces an existing obligation with new financing on different terms.
Availability depends on the positions in place, the funders involved, payoff or buyout requirements, contractual restrictions, and underwriting. Some positions cannot be consolidated.
We do not promise lower payments, savings, approval, or eligibility. Any outcome is determined by underwriting and the terms of the executed agreement.
Who it's designed for
- Businesses carrying multiple financing or advance positions
- Companies under weekly or daily remittance pressure
- Businesses that took short-term capital and now want longer structure
- Owners who want a clearer view of total obligations
Common uses
- Combining multiple positions into a single structure
- Replacing short-term obligations with longer-term financing
- Reducing the number of separate remittances
- Restoring working capital headroom
- Preparing the business for future financing
Structure
How it works
- 01
Apply and list current financing positions, balances, and payment schedules.
- 02
Provide bank statements and copies of existing agreements.
- 03
Underwriting reviews total obligations, cash flow, and payoff requirements.
- 04
If eligible, review the proposed structure, payoff mechanics, and terms.
- 05
Complete closing; participating positions are paid off or restructured per the agreement.
Considerations
Potential benefits
- Simplifying payment obligations into fewer remittances
- Potentially improving weekly cash flow where a structure is available
- Replacing shorter-term financing with longer structure
- Creating a clearer capital structure
- Positioning the business for future financing consideration
Potential benefits depend on the program, underwriting outcome, and the terms of the executed agreement. Nothing here is a guarantee of approval, pricing, or results.
Qualification
What qualification may depend on
- Number and type of existing positions
- Outstanding balances and remaining terms
- Remittance amounts and frequency
- Monthly revenue and deposits
- Time in business and industry
- Credit profile and payment history
- Contractual restrictions in existing agreements
Documentation
Documents that may be requested
- Business financing application
- Business bank statements
- Copies of current financing or advance agreements
- Current balances and payoff letters where available
- Financial statements or tax returns for larger requests
- Driver's license and voided business check
Process
How it works
Four steps from application to a financing decision you actually understand.
Apply
Complete a short business financing application and provide basic information about your company.
Review
A financing specialist reviews your business profile, financing needs, and available documentation.
Compare Options
If eligible, review financing structures available based on your business profile and objectives.
Choose Your Financing
Select the option that makes the most sense for your business and complete the required closing process.
[COMPLIANCE PLACEHOLDER] Applying does not obligate you to accept an offer — display only if consistent with company policy.
FAQ
Questions about this program
Find out what financing options are available to your business
Tell us a little about your business and financing goals. Our team can review your information and discuss available options.
[COMPLIANCE PLACEHOLDER] No obligation to accept financing.