Home / Get Cash Flow / Loan Consolidation

Get Cash Flow

Loan Consolidation

Several business repayments rolled into one. One repayment, one lender, one date - simpler to run, and easier to see where you actually stand.

Check my eligibility Talk to a specialist

No credit check to see your optionsFree for businessesOffers within 24 hours

The honest bit first

Is consolidation actually right for you?

Sometimes it's the smartest move a stretched business can make. Sometimes it just moves the problem. Here's the difference.

It fits when

You're juggling several repayments on different days of the week
The combined repayments are eating your weekly cash
Some loans were taken quickly, at pressure prices, and deserve a second look
You want one clear number and a real payoff date

Look at something else when

You have one loan you're handling fine - consolidation adds nothing
You need new money, not a restructure - that's a Business Term Loan
The problem is timing gaps, not debt - that's a Line of Credit
The debt is mostly ATO - tell your specialist that first; it changes which lenders fit

Key facts

What to expect - without the fine print voice.

Typical amounts: Up to $1.5M.
What can be included: Short-term business loans (3 to 6 month terms), ATO debt, high-interest loans and business credit cards are the usual candidates.
Repayments: One fixed repayment on a schedule that fits your cash flow - weekly, fortnightly or monthly.
Security: Secured and unsecured options - the panel covers both.
Speed: Indicative offers within 24 hours. Consolidations involve paying out other lenders, so settlement takes longer than a simple loan - your specialist maps the real timeline.
Rates: Depend on your situation and the lender - you compare matched offers side by side before choosing anything.
Cost to you: Free for businesses - we're paid by the lender when your loan settles. It doesn't change the rate you're offered.

See what a loan consolidation would actually cost for your business.

Check my eligibilityNo credit check to see your options

How it works

Same process as everything we do.

Step 1

We understand your business

A short application, then a real conversation. What the funding is for, how your cash flow moves, what timing you're up against.

Step 2

We match you and show offers side by side

Your application reaches the lenders that actually take on consolidations for your mix of debts. Compare matched offers side by side.

Step 3

We handle it through to funded

Pick the offer that fits. Your specialist manages the paperwork and the provider until everything's in place.

Before you start

What you'll need on hand.

Most applications start with just these. Your specialist tells you if anything more is needed - before you dig for anything.

Your ABN and basic business details
Recent business bank statements - the last 6 to 12 months, depending on the lender
What the funding is for, in a sentence
A list of your current loans and repayments - rough is fine to start

Have those on hand? One application, and you'll see matched offers side by side.

Start my applicationNo credit check to see your options

Not quite right?

These often fit instead.

Business Term Loan

A lump sum, repaid over a set term. For defined, one-off spends.

Learn more →

Line of Credit

Draw what you need, repay, draw again. For cash flow that moves around.

Learn more →

Business Overdraft

A buffer on your account for the weeks when timing doesn't line up.

Learn more →

Fair questions

Asked about loan consolidation specifically.

Will consolidating actually save me money?

Not automatically - and anyone who promises otherwise is selling. A lower weekly repayment often comes from stretching the debt over longer, which can cost more in total. We show you both numbers - the weekly relief and the total cost - so you decide with eyes open.

Which of my debts can be included?

Short-term loans on 3 to 6 month terms, ATO debt, high-interest loans and business credit cards are the usual candidates - the exact mix depends on the lender. Bring the rough list to your first conversation and your specialist tells you exactly what the panel can and can't roll in.

Does checking my options affect my credit score?

No credit check to see your options. A credit check only happens if you choose to formally proceed with a lender.

What does it cost?

Free for businesses - we're paid by the lender when your loan settles. It doesn't change the rate you're offered.

What businesses say

Rated by the businesses we've funded.

5.0★★★★★

29 Google reviews

Read more on Google

★★★★★

I've had the pleasure of working alongside Funding Loop Team, and it has been an outstanding professional partnership. Their professionalism, responsiveness, and genuine commitment to achieving the best outcomes for our mutual clients consistently stand out. Our collaboration has been seamless, with clear communication and a shared focus on providing exceptional service throughout the entire process. It's always reassuring to work with a team that values integrity, efficiency, and client satisfaction as much as we do. I highly recommend Funding Loop to anyone looking for a one stop shop for business finance, and who truly care about delivering excellent results for their clients.

Sunny C.2 months ago · via Google

★★★★★

My business partner and I recently secured finance for our business through Funding Loop, and the whole process was fantastic. Ken was the person we dealt with, and he was amazing from start to finish. Communication was excellent, everything was handled quickly, and he made the whole process easy and stress-free. Highly recommend Ken and the team at Funding Loop to any business looking for finance.

Michael M.2 months ago · via Google

★★★★★

Kenneth is actually above & beyond. He is very helful & always provide you service by keeping your own self interest first. Thanks Kenneth for being so helpful & providing all honest, trustworthy, real & correct information to make crucial decision of my finance requirement (lending). I recommed Funding Loop to everyone for your finance requirement. Thanks

Praveen G.2 months ago · via Google

★★★★★

Amazing broker who will fight and work hard for you. I have had only positive things to say. They help you with strategy, know every lender well, and will discuss with you why you should go with them or not the others. Won't pressure you, will follow up promptly, and will even crunch numbers for affordability and give you the right path forward. They have been growing rapidly, and it's not hard to see why. Excited to see all the updates on your website. Will see you in 12 months.

Sanjay P.3 months ago · via Google

★★★★★

I cannot recommend Kenneth from Funding Loop highly enough. From day one, he has gone above and beyond to support me and ensure I have access to the services and supports I need. Kenneth is always approachable, responsive, and genuinely cares about achieving the best outcomes for his clients. He takes the time to listen, explain things clearly, and follows through on everything he says he will do. Nothing ever feels like too much trouble. Navigating funding and supports can be overwhelming, but Kenneth has made the process so much easier. His professionalism, knowledge, and dedication have given me confidence and peace of mind knowing that I have someone advocating for my needs. Thank you, Kenneth, for your outstanding support and commitment. Your kindness and willingness to go the extra mile have made a real difference in my life. Kind regards, Sharona Caring Connections Disability Solutions

Sharona K.3 months ago · via Google

★★★★★

Dealt with Kenneth for finance for my business and couldn't fault the service. Clear, responsive, and genuinely took the time to understand what we needed as a newer business. Made the whole process easy - highly recommend.

Kevin M.3 months ago · via Google

★★★★★

I've had the pleasure of working alongside Funding Loop Team, and it has been an outstanding professional partnership. Their professionalism, responsiveness, and genuine commitment to achieving the best outcomes for our mutual clients consistently stand out. Our collaboration has been seamless, with clear communication and a shared focus on providing exceptional service throughout the entire process. It's always reassuring to work with a team that values integrity, efficiency, and client satisfaction as much as we do. I highly recommend Funding Loop to anyone looking for a one stop shop for business finance, and who truly care about delivering excellent results for their clients.

Sunny C.2 months ago · via Google

★★★★★

My business partner and I recently secured finance for our business through Funding Loop, and the whole process was fantastic. Ken was the person we dealt with, and he was amazing from start to finish. Communication was excellent, everything was handled quickly, and he made the whole process easy and stress-free. Highly recommend Ken and the team at Funding Loop to any business looking for finance.

Michael M.2 months ago · via Google

★★★★★

Kenneth is actually above & beyond. He is very helful & always provide you service by keeping your own self interest first. Thanks Kenneth for being so helpful & providing all honest, trustworthy, real & correct information to make crucial decision of my finance requirement (lending). I recommed Funding Loop to everyone for your finance requirement. Thanks

Praveen G.2 months ago · via Google

★★★★★

Amazing broker who will fight and work hard for you. I have had only positive things to say. They help you with strategy, know every lender well, and will discuss with you why you should go with them or not the others. Won't pressure you, will follow up promptly, and will even crunch numbers for affordability and give you the right path forward. They have been growing rapidly, and it's not hard to see why. Excited to see all the updates on your website. Will see you in 12 months.

Sanjay P.3 months ago · via Google

★★★★★

I cannot recommend Kenneth from Funding Loop highly enough. From day one, he has gone above and beyond to support me and ensure I have access to the services and supports I need. Kenneth is always approachable, responsive, and genuinely cares about achieving the best outcomes for his clients. He takes the time to listen, explain things clearly, and follows through on everything he says he will do. Nothing ever feels like too much trouble. Navigating funding and supports can be overwhelming, but Kenneth has made the process so much easier. His professionalism, knowledge, and dedication have given me confidence and peace of mind knowing that I have someone advocating for my needs. Thank you, Kenneth, for your outstanding support and commitment. Your kindness and willingness to go the extra mile have made a real difference in my life. Kind regards, Sharona Caring Connections Disability Solutions

Sharona K.3 months ago · via Google

Go deeper

You'll know where you stand within 24 hours.

One application. A real specialist. A straight answer - even if the answer is no.

Check my eligibility Talk to a specialist

Loan Consolidation

Is consolidation actually right for you?

It fits when

Look at something else when

What to expect - without the fine print voice.

Same process as everything we do.

We understand your business

We match you and show offers side by side

We handle it through to funded

What you'll need on hand.

These often fit instead.

Business Term Loan

Line of Credit

Business Overdraft

Asked about loan consolidation specifically.

Rated by the businesses we've funded.

Guides that explain this properly.

Business loan consolidation in Australia

Refinancing several loans into one

Why cheap finance can be expensive

You'll know where you stand within 24 hours.