First Capital program · Independent placement

Business Loan Consolidation

Restructure stacked business debt into one manageable payment — without harming your standing with current lenders.

Built for over-leveraged operators juggling multiple MCAs, term loans, or short-term advances that are strangling cashflow. We consolidate qualifying business debt into a single, lower payment on longer terms — freeing up working capital while you continue to honor your existing obligations in good standing. This is NOT third-party debt settlement, negotiation, or a workout program. No lenders are asked to take a haircut, no payments are withheld, and your business credit stays intact.

Review the program

Fit and review

What to know before you start.

Best for

  • Businesses stacked on 2+ MCAs with daily or weekly debits crushing cashflow
  • Operators paying 40%+ of monthly revenue toward short-term debt service
  • Healthy businesses whose debt schedule is out of sync with revenue cycles
  • Owners who want to keep every current lender paid on time and in good standing

Documents and review factors

  • Complete schedule of business obligations
  • Current payoff information
  • Recent business bank statements
  • Sufficient cash flow for the proposed structure

Placement process

A structured path from request to potential options.

01

Map current balances, payments, lien positions, and payoff requirements.

02

Review cash flow to determine whether a replacement structure may be sustainable.

03

A third-party provider evaluates the request and determines any available terms.

04

If approved and accepted, payoff handling follows the closing documents.

From the Answer Center

Common questions business owners ask.

Browse the Answer Center

Ready to move on Business Loan Consolidation?

Start with the request. A First Capital advisor will review the information and help identify potential options from independent third-party providers.