Debt Consolidation
Business debt consolidation, down to one payment
If you're servicing two or three advances plus a card balance, the payments — not the debt — are what's squeezing you. We consolidate them into a single fixed monthly payment with a real payoff date.
- $0K – $2M
- Consolidation amount
- 0 – 60 months
- Term length
- 0.0%
- Rates from
- Instant to 0 hrs
- Decision time
Best for
Is this the right fit?
- Stacked merchant cash advances with daily or weekly debits
- Two or more short-term loans running at the same time
- High-interest business credit card balances
- Businesses that need lower monthly outflow, not more debt
- Owners who want one payment, one date, one place
Typical requirements
- 6+ months in business
- $10,000+ in average monthly revenue
- 550+ personal credit score
- Three months of business bank statements
- Payoff letters or statements for the balances being consolidated
How it works
From application to funded
No document black holes. You always know what stage you're in and what happens next.
Map what you owe
Send your current balances and payment schedules. We calculate the true blended cost of what you're carrying today.
Compare the consolidation
Your advisor shows the new payment, term, and total cost side by side with your existing obligations.
We pay them off
Accept the offer and Flyfill remits payoffs directly to the existing lenders, leaving you one payment.
FAQ
Questions, answered
How does business debt consolidation work?+
Flyfill funds a single term loan sized to pay off your existing advances, cards, or short-term loans. Those balances close and you're left with one fixed payment on one schedule.
Will consolidating actually cost me less?+
It depends on what you're carrying. Your advisor compares the total cost of your current obligations against the consolidation offer, so you see the dollar difference before you sign anything.
Can I consolidate merchant cash advances?+
Yes. MCAs with daily or weekly debits are the most common thing we refinance, because replacing them with a monthly payment usually frees up meaningful cash flow.
Does consolidating hurt my credit?+
The application is a soft pull. Paying off revolving balances and ending stacked debits often helps your profile over time, though closing older accounts can shift your score short term.
How much can I consolidate?+
From $5,000 up to $2 million, depending on revenue, time in business, and the payoff balances we're retiring.
One application, many options
Apply once and we match your file against the products that actually fit.
A real advisor
Every business is assigned a dedicated Flyfill advisor from application through payoff.
No surprises
Total cost of capital, payment schedule, and prepayment terms disclosed up front.
Ready when you are
One short application. A dedicated advisor. Funding decisions instant to 2 hrs.