Customized financing to consolidate high-interest debt or fund major purchases or expenses.

Tailored commercial financing that supports all your business needs to help you grow quickly. 

Tailored for entrepreneurs that want to establish additional active and passive income streams.

Tailored for entrepreneurs that want to establish additional active and passive income streams.




Customized financing to consolidate high-interest debt or fund major purchases or expenses.

Business Debt Consolidation Loans

Free-up cash flow with business debt consolidation

  1. Large loan amounts: Up to $500K1,2

  2. Fixed affordable payments: Terms up to 12 years1

  3. Fast funding: In as few as 3 days3

  4. Concierge service: U.S.-based loan specialists for every application

How much are you looking to finance?

Please enter a value between $20,000 - $500,000

No application fees, commitment, or impact on personal credit to view your estimate.

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Business Debt Consolidation Loan Average Customer Stats

  1. 15 years in business

  1. Personal FICO 750

  1. Average loan amount $140K

Business Debt Consolidation Loan Benefits

What is business debt consolidation?

BHG Financial's business debt consolidation loans can support business growth in the short term and long term. By bundling outstanding business debts, you'll receive a single fixed-interest monthly payment and you can take advantage of extended terms up to 12 years1 and a lump sum disbursement up to $500,000.1,2 Additionally, consolidating business debt gives business owners the opportunity to leverage financing to grow and expand their business.

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Simplify your finances

Combine multiple and/or variable interest rate debts into a single monthly payment.

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Decrease debt payments

Compared to financing with high variable rates, our loans feature fixed rates, extended terms,1 and lower payments.

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Increase cash flow

Low interest rates over extended repayment periods can free up capital to put back into your business.

A Hassle-Free Process

How our business debt consolidation loans work

As a busy business owner, your time is valuable. At BHG Financial, we’ve streamlined the application process to get you funded fast so that you can get back to business.

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1. Start an application

Unlike other lenders, we won't ask for unnecessary paperwork. It’s easy and there’s no impact to your credit score to apply.

2. Get your funding decision

Approval can take as little as 24 hours.3 Our dedicated loan specialists will review your application and qualifications, tailoring a loan solution for your financing needs.

3. Receive funds fast

If approved, you will receive your funds in one lump sum in as few as 3 days.3

To achieve continued success, the country’s top professionals and business owners rely on BHG Financial for exceptional financing, a simplified lending process, and personalized service.

$18 Billion +

Loans funded

23 years

Lending experience

A+ Rating


170,000 +

Customers funded


Business Debt Consolidation Loan FAQs

If you have multiple types of business debt with high and/or variable interest rates—and multiple payment dates to remember each month—business debt consolidation can roll those debts into one new loan. Unlike with many other lenders, a business debt consolidation loan from BHG Financial provides a fixed interest rate and extended repayment terms—giving you one fixed-rate monthly payment that is easy to manage.

Business debt consolidation loans are specifically intended to cover commercial debt, including merchant cash advances, business lines of credit, and business credit cards, among other examples. They may also be used to cover business expenses charged onto a personal credit card.

That said, a business consolidation loan from BHG Financial cannot be used to cover personal loans, personal credit cards, or other types of personal/consumer debt. And, depending on your existing credit utilization, we may ask you to use a percentage of the loan proceeds to pay down existing debt in order to qualify.

Applying for a business debt consolidation loan with BHG Financial is as easy as 1-2-3.

  1. Fill out an online application quickly or call us directly to speak to a loan specialist.
  2. We'll gather the necessary documentation for you, which may include income verification documents such as tax returns and bank statements. If anything else is needed to process your application, we’ll reach out to work with you.
  3. After we’ve received all the necessary information and documents, our team will review your qualifications and notify you promptly regarding approval.

BHG Financial evaluates applicants based on credit history and personal and business income, among other factors provided at the time of the loan application.

The average BHG Financial business debt consolidation loan customer has a 750 FICO score, has been in business for 15 years and receives $140K in funding.

BHG Financial offers business debt consolidation loans up to $500,000.1,2 BHG Financial files a lien on the business via a Uniform Commercial Code (UCC) filing.

Additionally, applying for business debt consolidation will not impact your personal credit score. BHG Financial only performs a soft pull of your credit when you submit your application, so our initial review won't impact your credit score.

After you're funded, your BHG Financial business debt consolidation loan will not be reported to the credit bureaus. However, if your account becomes delinquent, BHG Financial can report the delinquent trade line to the bureaus.

View your estimate

There is no cost, commitment, or impact on personal credit to see your estimate.

¹ Terms subject to credit approval upon completion of an application. Loan sizes, interest rates, and loan terms vary based on the applicant's credit profile. Finance amount may vary depending on the applicant's state of residence.

² BHG Financial business loans typically range from $20,000 to $250,000; however, well-qualified borrowers may be eligible for business loans up to $500,000.

³ This is not a guaranteed offer of credit and is subject to credit approval.

Business Loan Repayment Example: A $94,695 commercial loan with a 9-year term and an APR of 14.8% would require monthly payments of $1,633.

Testimonial(s) based on unique customer experience. Individual customer experiences may vary.

For California Residents: BHG Financial loans made or arranged pursuant to a California Financing Law license - Number 603G493.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies every customer. What this means for you: When you apply for a loan, we will ask for your name, address, date of birth, social security number and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. If all required documentation is not provided, we may be unable to establish a customer relationship with you.