If you’re tired of juggling multiple repayments, Phoenix Commercial Finance can help you take back control with a business debt consolidation loan.
We work closely with you to bring all your existing debts into one simple, manageable monthly repayment through, giving you the breathing space your business needs to move forward.
We support UK SMEs, sole traders and limited companies in arranging a debt consolidation solution, whether that's an unsecured business loan or a bill consolidation loan that tidies up a mix of outstanding obligations.
If your existing borrowing includes short-term funding such as bridging loans or merchant cash advances, we can consolidate everything into one structured, transparent plan, rather than leaving you stretched across multiple lenders with multiple repayment dates.
We even offer a free debt analysis where we sit with you, break everything down, and map out the most practical route forward - 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 to explore the most suitable debt consolidation options.
We look at:
As part of your free debt analysis, we also review your Delphi score- Experian's commercial credit rating, and explain how it affects your ability to secure funding including what’s holding you back. You will come away with a clear understanding of your position and the steps needed to improve it.
From there, we identify the most suitable debt consolidation options and provide personalised recommendations that are genuinely built around 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.
This type of debt and bill consolidation is ideal for businesses that want to regain financial clarity and stabilise their monthly outgoings.
It’s ideal for businesses that:
Many debt consolidation options are available as an unsecured business loan, meaning no property or assets are required as security.
Tell us about your current loans, repayments and monthly commitments so we can assess whether debt consolidation is the right solution for your business.
We analyse your debt position, identify business debt consolidation opportunities and outline clear and tailored options.
Once approved, your new debt consolidation loan clears your existing debts directly with your lenders.
You move forward with a single affordable repayment schedule that supports business stability.
We specialise in supporting UK businesses that feel overwhelmed by multiple funding arrangements and need a clear debt consolidation strategy for their business.
Our team will:
We believe in responsible funding, so if debt 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 today or message us on WhatsApp to get started. Our team will guide you through the process and help you find the right debt consolidation solution for your situation.
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.