Secured consolidation
Equity in residential or commercial property secures one larger loan from $20,000 to $5,000,000, usually on a longer term than the debts it replaces.
Consolidate business debt
Business Debt Consolidation Loans to Clear the Clutter
Three lenders, two direct debits a week and an ATO letter on the desk. Rolling it into one business loan can give you room to breathe again.
One loan, one plan
Is your business juggling too many repayments?
It creeps up quietly. A short-term loan to cover a slow quarter, then a second one when the first ate into cash flow. A card that never quite gets paid off. A supplier account sliding into arrears. Then the ATO writes. Before long, a healthy business is spending more energy managing repayments than serving customers.
A business debt consolidation loan replaces several debts with a single facility, ideally on a term and repayment schedule that matches how your business actually earns. Instead of daily or weekly debits hitting at random, you have one repayment you can plan around, and one lender to deal with. That predictability is often worth as much as any saving.
Loanster helps Australian businesses explore consolidation by phone and online from our Melbourne office. Consolidating needs to genuinely improve your position, not just push the problem further down the road. Below we explain when it makes sense, what it can include and how fast it can happen. If you are unsure, a quick conversation costs nothing.
A business debt consolidation loan combines several business debts, such as short-term loans, ATO debt, credit cards and supplier arrears, into one loan with a single repayment. Property-secured options range from $20,000 to $5,000,000 and unsecured options typically from $5,000 to $500,000. Bad credit and ATO debt are considered case by case.
Ways to consolidate
How business debt consolidation can be structured
The structure depends mostly on whether property is available and how large the combined debt is.
Unsecured consolidation
For trading businesses with steady turnover, typically $5,000 to $500,000, sized on bank statements. Suits smaller stacks of short-term debt.
Partial consolidation
Clear the most expensive or most urgent debts first, such as daily-debit loans or an ATO balance, and leave cheaper finance in place.
What business debts can be consolidated?
Most business debts can be considered, as long as the new loan is for business purposes. The common ones we see are listed below. Personal debts sit outside business lending, so they are handled differently; see debt consolidation loans for the personal side.
- Short-term business loans with daily or weekly repayments
- ATO debt, including overdue BAS, GST and PAYG withholding
- Business credit cards and overdrafts at their limit
- Overdue supplier and trade accounts
- Equipment or vehicle loans with awkward balloon payments
When does consolidating business debt make sense?
It makes sense when the new structure clearly improves cash flow or reduces overall cost and stress. Swapping three daily debits for one monthly repayment can transform how a business feels week to week, even if the total amount owed is similar. Stopping ATO penalties from compounding is another strong reason.
It makes less sense if it simply resets the clock on a business that is still losing money each month. Be honest with yourself about whether the underlying problem is fixed. A lender will ask the same question, and your accountant is a good sounding board before you commit.
Can I consolidate ATO debt into a business loan?
Yes, and it is one of the most common reasons owners enquire. Paying out an ATO debt with a business loan replaces an open-ended problem with a defined repayment schedule, and it can stop further interest and penalties building on the tax balance. Lenders consider ATO debt case by case.
If you already have an ATO payment arrangement, include the details in your enquiry. If you have just received a letter and are not sure what to do, start with our ATO debt letter guide, then talk to us about ATO debt business loans.
Apply today… cashed up tomorrow!
Need the funds this week?
Start the 60-second enquiry now. When your documents are ready and the deal is straightforward, being cashed up as soon as tomorrow is possible for eligible applicants.
Can I get a debt consolidation loan with bad credit?
Often the businesses that most need consolidation have some credit damage, usually from missed repayments when cash was tight. Bad credit is considered case by case. Property security makes approval far more likely, because the lender can rely on the equity rather than the credit file.
Without property, lenders look harder at recent bank statements. A few months of steady deposits and no new dishonours can count for a lot. If you are mid-recovery, say so in the enquiry, and explain what has changed.
How fast can business debts be consolidated?
With documents ready, it can move quickly. Property-secured amounts of $20k to $250k are possible the same day, and up to $5m is possible within 24 to 48 hours. Smaller unsecured consolidations can also fund the same day in straightforward cases.
The step that most often slows things down is collecting payout figures from each existing lender. Request them as soon as you decide to consolidate, along with your latest ATO statement. Our guide on what slows down a business loan lists the other usual suspects.
- Photo ID for each director or guarantor
- Recent business bank statements
- Payout letters or statements for every debt being cleared
- ATO statement of account and any payment arrangement
- Property title or rates notice if offering security
How do I start a business debt consolidation enquiry?
Start the 60-second enquiry and list the debts you want to roll together, roughly what each one costs you a week, and any property you could offer. There is no credit check when you first enquire, and your details are not shared with a pile of lenders. A real person reads it and calls you back.
Please fill in the form accurately; consolidation only works when every debt is on the table, and surprises at settlement cause delays. Pricing depends on security, term, risk and lender, and approval rests with the lender. Prefer to talk it through? Call 03 9999 7370.
Trust and process
Clear, secure finance enquiries
Loanster keeps the enquiry process straightforward: no credit check to enquire, a real person looks at your situation, and your details are not sprayed out to a pile of lenders.
Secure online enquiry
Personal details are submitted through a secure form and are not sent through URL query strings.
Australian business context
Enquiries can include ABN, BAS, ATO, bank statement and asset details where relevant.
Lender criteria apply
Approval, pricing, loan amounts and funding times depend on lender assessment.
Clear next steps
Loanster helps identify what information may be needed before a lender can make a decision.
Common questions
Business Debt Consolidation Loans to Clear the Clutter FAQs
What is a business debt consolidation loan?
It is a single business loan used to pay out several existing business debts, leaving you with one repayment. The aim is simpler cash flow and, ideally, a lower overall cost or less pressure.
Can I combine ATO debt with other business debts?
Yes. ATO debt, short-term loans, cards and supplier arrears can often be rolled into one facility. Lenders assess ATO debt case by case.
How much can I consolidate?
Property-secured consolidation loans range from $20,000 to $5,000,000. Unsecured options for trading businesses are typically $5,000 to $500,000, sized on turnover and bank statements.
Will consolidating business debt lower my repayments?
It can, particularly when short-term daily-debit loans are replaced with a longer term. A longer term may mean more interest overall, so compare the total cost, not just the repayment.
Can I consolidate business debt with bad credit?
Yes, it is considered case by case. Property security and recent steady bank statements make approval much more likely.
Can I include personal debts in a business consolidation loan?
Business loans are for business purposes only. Personal debts are handled through consumer lending, which has its own assessment.
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All business loan options
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Tell Loanster what kind of finance you are looking for and the team will guide you through the next step. Please fill in the form accurately so we can match you first time. Finance is subject to lender approval, eligibility criteria, terms and conditions.
Prefer to talk? Call 03 9999 7370.
Last reviewed: 24 October 2026
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