Business funding to consolidate business debt means replacing several payments with one - combining multiple loans or advances into a single term loan, or using a reverse consolidation when the debt is stacked merchant cash advances. The goal is a simpler, steadier payment. The Broker Shop is a funding broker, not a lender - one 2-minute application gets you matched to the lenders whose guidelines you meet so you can compare your options.
What does it mean to consolidate business debt?
Consolidating business debt means taking out one new piece of funding to pay off several existing ones, so you go from juggling multiple payments to managing a single one. The aim is usually to simplify your cash flow and, where possible, ease the strain of frequent or overlapping payments that are squeezing your operating account.
The most common candidate is a business carrying several loans or, especially, multiple merchant cash advances with daily or weekly draws hitting the account at once. When those payments start crowding out payroll and suppliers, replacing them with one manageable payment can restore breathing room. A business term loan is the usual consolidation tool; for stacked advances, a reverse consolidation is purpose-built for the job.
How does consolidating merchant cash advances work?
Stacked merchant cash advances are the situation consolidation most often solves. When a business has taken several advances, the combined daily or weekly holdbacks can consume a punishing share of revenue, creating a cycle that is hard to escape. Consolidation combines those advances into a single, more manageable payment structure so cash stops leaving the account every single day.
There are a couple of paths, and the right one depends on your situation - a term loan that pays off the balances, or a reverse consolidation designed specifically for stacked merchant cash advances. Our guides on getting out of MCA debt and consolidating merchant cash advances walk through how each works so you can weigh them honestly.
How do you match the product to your debt?
Start with what you are carrying, then pick the approach. Use this quick match:
- Several term loans or lines: a single term loan that pays them off and leaves one payment.
- Multiple stacked merchant cash advances: a reverse consolidation built for stacked advances.
- Daily or weekly draws crowding out payroll: consolidation that shifts you to a single, steadier payment.
- One high-cost advance you want to replace: refinancing into a term structure - see refinancing a merchant cash advance.
How does The Broker Shop match you to consolidation funding?
The Broker Shop is a business funding broker, not a lender, so it does not lend its own money - it matches you to the lenders whose guidelines you meet. You submit one application describing your business and the debt you are carrying, and instead of chasing lenders one at a time, you get matched across a network and compare the strongest options side by side.
Checking your options won't affect your credit score, the service is free to the applicant, and advertised funding runs from $5,000 to $2 million. If you want to understand the model first, see how a business loan broker works, then start your application when you are ready to compare offers.
See what you qualify for
One 2-minute application is matched to the lenders whose guidelines you meet. It's free, and checking your options won't affect your credit score.
See What I Qualify For →The bottom line: Consolidation trades several payments for one to steady your cash flow - a term loan for loans, a reverse consolidation for stacked advances - and one application gets you compared across the lenders whose guidelines you meet.