Business Loan Consolidation

Trusted Loan Assistance

Business Loan Consolidation
Loan Consolidation upto 1 crore Rates starting from @ 9.99% p.a.

One Business. One Loan. One EMI.

Simplify Your Business Finances & Improve Cash Flow

Are you managing multiple business loans, overdrafts, credit card dues, or unsecured borrowings?

With Business Loan Consolidation, combine all your existing business liabilities into a single loan with one EMI and potentially lower monthly outflow.

Check Your Eligibility

Is Your Business Facing These Problems?

❌

Multiple EMIs Every Month

Managing several loan EMIs becomes stressful and confusing.

❌

Different Due Dates

Multiple repayment dates increase chances of missed payments.

❌

High-Interest Business Loans

Existing loans with high interest reduce your profit margins.

❌

Expensive OD Facilities

Overdraft charges and interest can become a financial burden.

❌

Credit Card Outstanding

Unpaid credit card dues increase overall business liability.

❌

Cash Flow Pressure

Regular repayments reduce available working capital.

❌

Difficulty Tracking Repayments

Multiple accounts make repayment tracking complicated.

We Have a Solution

Consolidate Multiple Debts into One Loan

Single EMI

Better Cash Flow

Competitive Interest Rates

What Can Be Consolidated?

Business Loans

Existing unsecured or secured business loans.

Working Capital Loans

Outstanding working capital facilities.

Overdraft Facilities

Business overdrafts and credit lines.

Business Credit Card Dues

High-interest business credit card balances.

NBFC Business Loans

Loans from multiple lenders can be consolidated.

Key Benefits

💳

One EMI Instead of Many

No need to manage multiple lenders.

📉

Better Cash Flow

Lower monthly repayment burden.

💰

Potentially Lower Interest Cost

Replace expensive debt with a structured business loan.

📊

Simplified Accounting

Easy bookkeeping and financial tracking.

🚀

Business Growth Focus

Spend less time managing debt and more time growing your business.

How It Works

Apply for a Loan Consolidation facility.

We assess your existing eligible debts.

Approved debts are combined into one loan.

Make a single monthly repayment going forward.

Who can Apply for Business Loan Consolidation

self-employed individuals and businesses

Minimum 2 years business vintage

Above 21 yrs and below 58 yrs

A credit score above 700

Required Documents for Business Loan Consolidation

KYC Documents

Any of the following

PAN Card ( Mandatory )
Aadhaar Card ( Mandatory )
Passport Size Photo

Business Proof

Any of the following

GST Certificate
Shop Act License
Udyam Registration
Business Registration Certificate

Financial Documents

Current ac bank statement – 1 year
ITR for Last 1-2 Years
Profit & Loss Statement
Balance Sheet (if applicable)

EXAMPLE OF LOAN CONSOLIDATION

Before Loan Consolidation

Suppose Rahul Kumar, the owner of a toys company, has the following debts:

Total Debt

₹16,00,000

Total Monthly Payments

₹56,390

Interest Range

15% - 42%

Debt Type	Outstanding Amount	Interest Rate	Tenure	Monthly EMI
CREDIT CARD 1	₹4,00,000	42%	3 YEARS	₹19,714
BUSINESS LOAN 1	₹3,00,000	19%	5 YEARS	₹7,782
CREDIT CARD 2	₹1,50,000	30%	3 YEARS	₹6,368
APP LOAN	₹5,00,000	25%	4 YEARS	₹16,579
BUSINESS LOAN 2	₹2,50,000	15%	5 YEARS	₹5,947
TOTAL	₹16,00,000	15% - 42%	-	₹56,390

Rahul must remember:

Three different lenders
Three different due dates
Different interest rates

After Loan Consolidation

The bank has approved a new consolidated loan of ₹16,00,000 at an interest rate of 14.99% for a tenure of 5 Years, merging all existing loans and credit card dues.

Now Rahul has:

New Consolidation Loan

₹16,00,000

Approximate EMI

₹38,055

Interest Rate

14.99%

Loan Consolidation Result

Before

EMI = ₹56,390

Monthly EMI

After

EMI = ₹38,055

Monthly EMI

Monthly Relief

₹18,335

Total savings per month

FAQs

Frequently Asked Questions

Find answers to common questions related to Business Loan and financial services.

What is Business Loan Consolidation?

Business Loan Consolidation combines multiple business loans, overdrafts, or credit card dues into a single loan with one EMI.

What are the benefits of Business Loan Consolidation?

✅ Single EMI

✅ Better cash flow

✅ Easier repayment management

✅ Potentially lower monthly outflow

Can I consolidate loans from different banks?

Yes, subject to lender approval and eligibility.

Can overdraft facilities be consolidated?

Yes, existing overdraft limits may be included depending on the lender's policy.

Can business credit card dues be consolidated?

Yes, high-interest business credit card dues can often be included in the consolidation loan.

Will my EMI reduce after consolidation?

In many cases, yes. EMI may reduce due to a lower interest rate or longer repayment tenure.

Stressed with multiple payments? We’re here to help

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