Consolidate multiple franchise debts into one lower payment. Reduce interest rates, simplify finances, and improve cash flow with specialized debt consolidation loans.
Calculate potential savings from consolidating your franchise debts into one lower payment
Calculate potential savings from consolidating your franchise debts into one lower payment
Typical range: 9.5% - 15% for qualified franchises
Typical range: 36-84 months
Working capital beyond debt payoff
Connect with debt consolidation specialists who understand franchise financing and can help structure the optimal consolidation loan to maximize your savings and improve cash flow.
Typical Rates: 25% - 50% APR
Payment Structure: Daily automatic debits
Common Issues: Cash flow strain, high cost of capital
Consolidation Benefit: Reduce to 9.5% - 15% APR with fixed monthly payments
Average Savings: $2,000 - $5,000/month
Typical Rates: 18% - 29% APR
Payment Structure: Minimum payments, revolving balances
Common Issues: High interest, variable rates, credit utilization
Consolidation Benefit: Fixed rate, predictable payments, improved credit
Average Savings: $800 - $2,500/month
Typical Rates: 12% - 20% APR
Payment Structure: Multiple monthly payments
Common Issues: Multiple payments, varying terms
Consolidation Benefit: Single payment, potentially lower rate, simplified management
Average Savings: $500 - $1,500/month
Typical Rates: 15% - 25% APR
Payment Structure: Short-term, high payments
Common Issues: Short terms, frequent renewals
Consolidation Benefit: Longer terms, lower payments, stability
Average Savings: $1,000 - $3,000/month
Typical Rates: 20% - 35% APR
Payment Structure: Percentage of daily sales
Common Issues: Unpredictable payments, high effective rates
Consolidation Benefit: Fixed payments, lower rates, cash flow predictability
Average Savings: $1,500 - $4,000/month
Typical Rates: 10% - 18% APR
Payment Structure: Multiple monthly payments
Common Issues: Complex management, varying terms
Consolidation Benefit: Simplified management, potential rate reduction
Average Savings: $300 - $1,200/month
Complete review of all current debts, interest rates, payments, and terms to identify consolidation opportunities.
Analysis of business cash flow, credit profile, and franchise performance to determine optimal loan structure.
Design consolidation loan with optimal rate, term, and payment structure to maximize savings and cash flow improvement.
We coordinate payoff of all existing debts and establish your new single monthly payment schedule.
Continued relationship management and assistance with future financing needs as your franchise grows.
Franchise debt consolidation combines multiple business debts (merchant cash advances, credit cards, equipment loans, working capital loans) into a single loan with one monthly payment. This typically results in lower interest rates, reduced monthly payments, and simplified financial management for franchise owners.
We can consolidate merchant cash advances, business credit cards, equipment financing, working capital loans, revenue-based financing, multiple bank loans, SBA loans, inventory financing, and most other business debt. The key is having sufficient cash flow to support the new consolidated payment.
Savings vary based on current debt structure, but franchise owners typically save 30-60% on monthly payments and reduce interest rates by 10-35%. For example, consolidating $200K in high-interest debt can save $2,000-$5,000 per month, or $24,000-$60,000 annually.
Initially, there may be a small temporary impact from the credit inquiry, but debt consolidation typically improves your credit score over time by reducing credit utilization, eliminating late payments, and showing responsible debt management. Most franchise owners see credit improvement within 3-6 months.
Minimum requirements include: 12+ months in business, minimum $50K in debt to consolidate, personal credit score of 600+ (lower considered with strong business performance), positive cash flow, established franchise brand, and complete financial documentation. Each situation is evaluated individually.
The process typically takes 1-2 weeks from application to funding. This includes debt analysis (1-2 days), loan underwriting (3-5 days), documentation (2-3 days), and funding/payoff coordination (2-3 days). Having complete financial records ready can expedite the process significantly.
Required documents include: current statements for all debts to be consolidated, 2 years of business tax returns, 2 years of personal tax returns, current profit & loss statement, balance sheet, franchise agreement, bank statements (6 months), and personal financial statement.
Yes, we work with franchise owners who have credit challenges. Strong business performance, consistent cash flow, and established franchise brands can offset credit issues. We focus more on business performance than personal credit, especially for profitable franchises with good payment history.
Merchant cash advances typically carry 25-50% APR with daily payments. Consolidating into a traditional business loan at 9.5-15% APR with monthly payments can save 50-75% on financing costs. A $100K MCA costing $4,000/month can be replaced with a $1,800/month loan payment.
Yes, we specialize in consolidating multiple MCAs, which is common among franchise owners. We'll pay off all existing MCAs and replace them with a single, lower-rate loan. This eliminates the daily payment stress and dramatically reduces your cost of capital.
Business credit cards typically carry 18-29% APR. Consolidating into a business loan at 9.5-15% APR can cut interest costs in half while providing fixed monthly payments instead of variable minimum payments. This also improves your credit utilization ratio.
It depends on the rates and your overall debt structure. If equipment loans have rates below 10%, it may be better to keep them separate. However, if you have multiple equipment payments creating cash flow complexity, consolidation for simplification might be worth a small rate increase.
The best time is when you have multiple high-interest debts, stable cash flow, and good business performance. Don't wait until you're struggling with payments. Proactive consolidation when business is strong gets better rates and terms than reactive consolidation during financial stress.
Credit cards and lines of credit are typically paid off but remain open (improving your credit utilization ratio). Equipment loans are paid off and closed. MCAs are paid off and terminated. This gives you a clean slate with available credit for future needs.
Yes, many consolidation loans include additional working capital beyond debt payoff. If you need $200K to pay off debt plus $50K for working capital, we can structure a $250K loan. This provides debt relief plus growth capital in one transaction.
Yes, we understand seasonal franchise businesses and can structure payments accordingly. Options include seasonal payment schedules, interest-only periods during slow months, or building cash flow cushions during peak seasons. The key is demonstrating annual cash flow adequacy.