Typical uses
How you can use a debt consolidation loan
- Merge high-interest credit cards
- Roll short-term loans or overdrafts into one
- Streamline supplier and trade debts
- Cut admin with a single repayment
- Free up cash for growth or day-to-day expenses
Debt consolidation loans for small businesses
If you’re juggling multiple repayments, debt consolidation brings them together into one clear, manageable solution.
Requesting a quote has no impact on your Credit Score.
What is a debt
consolidation loan?
With a debt consolidation loan, you can combine multiple high-interest business debts into one facility with a single lender and one repayment schedule.
This often comes with more favourable terms, a higher loan amount, or a better repayment setup, helping you save money and free up capital for other parts of your business.
Think of it as turning several messy debts into one structured, manageable solution, so your money works for your business – not the other way around.
More about business debt finance
Who typically uses debt consolidation loans?
Eligible assets
- Construction
- Retail and e-commerce
- Hospitality
- Professional services
- Healthcare
Who can apply for a debt consolidation loan?
Common industries
You may be eligible for a debt consolidation loan if your business:
- Has an active ABN or ACN
- Is registered and operating in Australia
- Has been trading for at least 6-12 months
Specific criteria can vary between lenders and products.
Eligibility
Get a quote
Requesting a quote has no impact on your credit score.
The benefits of debt consolidation loans
Lower interest rates
If your credit profile has improved since you first took on some of your debts, you may qualify for a better rate.
Fixed repayment terms
Debt consolidation loans usually have a fixed term, giving you a better idea of when you'll be debt-free.
Simplified finances and less admin
With one predictable payment, you don't have to juggle multiple facilities, due dates, and lenders.
Improved cash flow
Your monthly repayments may be lower than the combined total of your previous debts, freeing up cash flow
Better visibility and forecasting
A clearer repayment structure makes budgeting, forecasting, and scenario planning far easier.
Lower interest rates
If your credit profile has improved since you first took on some of your debts, you may qualify for a better rate.
Fixed repayment terms
Debt consolidation loans usually have a fixed term, giving you a better idea of when you'll be debt-free.
Simplified finances and less admin
With one predictable payment, you don't have to juggle multiple facilities, due dates, and lenders.
Improved cash flow
Your monthly repayments may be lower than the combined total of your previous debts, freeing up cash flow
Better visibility and forecasting
A clearer repayment structure makes budgeting, forecasting, and scenario planning far easier.
Lower interest rates
If your credit profile has improved since you first took on some of your debts, you may qualify for a better rate.
Fixed repayment terms
Debt consolidation loans usually have a fixed term, giving you a better idea of when you'll be debt-free.
Simplified finances and less admin
With one predictable payment, you don't have to juggle multiple facilities, due dates, and lenders.
Improved cash flow
Your monthly repayments may be lower than the combined total of your previous debts, freeing up cash flow
Better visibility and forecasting
A clearer repayment structure makes budgeting, forecasting, and scenario planning far easier.
Things to consider before applying
Potential drawbacks to be aware of
Potential drawbacks to be aware of
- Longer repayment terms can mean paying more interest overall.
- Consolidating debts doesn't fix underlying cash flow issues.
- Many consolidation loans are secured, so you may have to put business assets at risk.
- Additional fees can increase the total cost of the loan.
Questions to ask yourself
Questions to ask yourself
- Do I know why I have multiple debts and what caused them?
- How will this loan impact my cash flow and monthly budget?
- Are there other ways to manage or reduce debt before consolidating?
- Am I comfortable putting assets at risk if the loan is secured?
- Do I know all the fees and interest costs involved over the life of the loan?
How to apply for a debt consolidation loan
STEP 1: GET A QUOTE
Tell us about your business loan needs and immediately receive quotes from over 90+ bank and non-bank lenders.
STEP 2: GET APPROVED
Confirm your quote and we handle your business loan approval so you can focus on what matters—your business.
STEP 3: GET FUNDED
Sign your finance documentation and receive funding. It is that simple.
Get a quote
Requesting a quote has no impact on your credit score.
What sets us apart
DIY business loans
Lender access
Access to 90+ lenders matched to your business profile
Limited to the lenders you can find
Expert guidance
A lending expert is with you every step of the way
No expert help- you're on your own to understand requirements and loan options
Time investment
One single application
Multiple applications and follow-ups with different lenders
Matching accuracy
Our product-matching software combined with human insight pairs you with best-fit lenders
Trial and error- may apply to several lenders who aren't suitable
Application process
Streamlined, digital, and guided
Manual and varies across lenders
Approval speed
Funding in as little as 24 hours
Slower, as each lender has its own process
Chances of approval
Higher chance of approval with tailored lender matching
Risk of rejection when applying with the wrong lender or product
Understanding loan terms
Our lending experts make sure you fully understand the terms before you say yes
You’ll need to interpret lender jargon and fine print yourself
How we help fuel your business growth
ONE APPLICATION TO 90+ LENDERS
We simplify business finance by handling the hard work. Complete a quick form or speak with a specialist, and we’ll match you with the right solution from 90+ lenders—often within 24 hours.
PERSONALISED SUPPORT
Our expert brokers cover all areas of commercial finance. From your first quote to settlement and beyond, you’ll have a dedicated broker by your side—ready to support your funding needs now and in the future.
BUILT FOR AUSTRALIAN SMEs
Since 2015, we’ve helped over 30,000 Australian SMEs across every industry access $3 billion in funding—supporting them through challenges and unlocking new opportunities.
FAQ's
Which types of business debt can I consolidate in Australia?
Most debts impacting your business cash flow can be consolidated. This often includes ATO tax debt, lines of credit, overdrafts, asset finance, merchant cash advances, invoice finance, and business credit cards.
In a nutshell, if it’s creating repayment pressure, there’s a good chance it can be rolled into one more manageable facility.
Can all business structures apply for debt consolidation loans?
Most Australian businesses can apply for a debt consolidation loan, including sole traders, partnerships, and companies. Trusts can also apply, but there’s usually a catch: lenders typically prefer a corporate trustee rather than an individual one.
Can startups get a business debt consolidation loan?
Yes, but it can be harder if you're a younger business. Going for an alternative lender is usually the smartest move, as they typically offer more flexibility.
How will a consolidation loan affect my business cash flow?
Consolidating debt into a single, lower-interest repayment can make cash flow easier to manage. One predictable repayment instead of several scattered ones can reduce admin and give you clearer visibility over your monthly outgoings.
Keep in mind that total interest paid may be higher if the loan term is longer, since spreading repayments over more months or years increases the overall cost.
Consolidation is a trade-off: short-term cash flow relief vs long-term cost. The key is picking a repayment term that balances both.
How do I know if a debt consolidation loan is right for my business?
A consolidation loan might make sense for your business if:
- You're juggling several high-interest loans or credit cards
- Your business credit score has improved, so you may be eligible for better rates
- Your current repayment schedule is straining your cash flow
- You want simpler bookkeeping and fewer moving parts
At Valiant, our brokers weigh it up properly, and if consolidation is or isn’t the right fit.
What happens if my business experiences a cash flow crunch while repaying a consolidation loan?
If you miss make repayments, many lenders charge late fees and interest penalties. Your business credit score could take a hit, and if your loan is secured, assets may be at risk.
The key is to act quickly. Contact your lender before you miss a payment to see if they can restructure your repayments. Review your cash flow as well, to determine whether this is a one-off hiccup or a deeper issue that needs addressing.
Hear from our clients
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