Business Debt Consolidation — Simplify Your Payments
Consolidate multiple business debts into one manageable payment and save up to 20% or more on daily payments. Improve your cash flow and reduce financial stress.
Get Pre-Approved in Minutes
$2M
Max Funding
24 hrs
Funding Speed
20%+
Avg. Savings
500+
Min. Credit Score
What Is Business Debt Consolidation?
Business debt consolidation is the process of combining multiple business debts — including merchant cash advances (MCAs), term loans, lines of credit, and other obligations — into a single, more manageable payment. This can significantly reduce your daily payment burden, improve cash flow, and simplify your financial management.
How Does Debt Consolidation Work?
VACA Funding evaluates your current debt obligations and provides a consolidation solution that pays off your existing debts and replaces them with a single payment at a potentially lower cost. This frees up working capital and makes it easier to manage your business finances.
Benefits of Business Debt Consolidation
Lower daily or weekly payments, improved cash flow for operations, simplified financial management with one payment, potential for lower overall cost of capital, reduced stress from multiple creditors, and better positioning for future financing.
Who Should Consider Debt Consolidation?
Debt consolidation is ideal if you have multiple MCAs or business loans with high daily payments, your current payments are straining your cash flow, you want to simplify your finances with one payment, or you are looking to lower your overall cost of capital.
Consolidation Qualifiers
- 3+ months in business
- $10,000+ monthly revenue
- Active business bank account
- Credit score 500+
- US-based business
- Existing business debt