If you’re tired of juggling multiple repayments, Phoenix Commercial Finance can help you take back control with a business debt consolidation loan.
We’ll work closely with you to bring all your existing debts into one simple, manageable monthly repayment - giving you the breathing space your business needs.
We support UK SMEs, sole traders and limited companies in arranging debt and bill consolidation solutions - including unsecured business loans that are fast, transparent and tailored to your situation.
Whether you’re dealing with short-term bridging loans, merchant cash advances or overdue bills hanging over you, we’ll help you consolidate everything into one clear plan that actually works for your business. We even offer unsecured options that are quick, transparent and tailored to your situation.
We even offer a free debt analysis where we sit with you, break everything down, and give you the breathing space you need so you can get back to focusing on what matters most: running your business.
If you’d like to speak to one of our experts about a business debt consolidation loan or arrange a free debt analysis, send us a message on WhatsApp – or fill in our no-obligation quick enquiry form – we’re happy to help.
Before you apply, we can carry out a free, no-obligation analysis of your existing business debts.
We look at:
your current repayment structure
total monthly commitments
interest rates & fees
how your debts are impacting cashflow
opportunities to reduce costs or consolidate effectively
We also review your Adelphi score and explain how it affects your ability to secure funding - including what’s holding you back. You’ll come away with a clear understanding of your position and the steps needed to improve it.
From there, we identify consolidation options and outline clear, personalised recommendations that genuinely support your business.
Debt consolidation allows your business to merge multiple existing loans, merchant cash advances, credit facilities or overdue bills into one new loan with a single repayment.
Instead of juggling several lenders, different rates and scattered repayment dates, debt consolidation simplifies everything into one predictable monthly payment.
Have multiple short-term loans or merchant cash advances
Want to reduce monthly outgoings
Need to improve cashflow stability
Are looking for a clean and structured financial reset
Prefer dealing with one lender instead of many
Many consolidation options are available as unsecured business loans, meaning no property or assets are required as security.
Tell us about your current loans, repayments and monthly commitments.
We analyse your debt position, identify consolidation opportunities and outline clear, tailored options.
Once approved, your new consolidation loan clears your existing debts directly with your lenders.
You move forward with a single, affordable repayment schedule that supports business stability.
One simple repayment instead of multiple lenders
Lower overall monthly costs in many cases
Improved cashflow and reduced pressure on the business
No more juggling payment dates or unexpected debits
Unsecured options available, no assets required
Better financial visibility for planning and growth
Reduces the impact of expensive short-term debt
Helps stabilise the business during recovery or expansion
We specialise in supporting businesses that feel overwhelmed by multiple funding arrangements.
Our team will:
Review your debts and identify the best consolidation route
Work with a panel of trusted lenders offering competitive unsecured business loans
Negotiate clearer, fairer and more manageable terms
Ensure consolidation genuinely benefits your business
Handle the process end-to-end so everything is taken care of
We believe in responsible funding, so if consolidation isn’t the right solution, we’ll tell you upfront and walk you through better alternatives.
If your repayments are becoming unmanageable or you simply want a clearer financial path for your business , our team can help.
Apply for business Debt Consolidation today or message us on WhatsApp to get started.
We review your current debts, find a suitable consolidation facility, and arrange for the new lender to clear the existing balances, leaving you with one monthly repayment.
Yes. Many lenders offer unsecured business loans specifically for debt consolidation, depending on turnover and affordability.
Often, yes. Consolidation can reduce monthly costs by extending the term or replacing high-interest short-term debt with a more affordable loan.
Yes. Many of our clients consolidate MCA loans into one structured repayment, easing cashflow strain.
Approval can take 24–72 hours depending on your documents and lender criteria.
Lenders assess affordability and business performance, not just credit score and we work with lenders who take a balanced view.