Business Debt Consolidation Savings Calculator

If the estimated monthly savings look significant, prepare your most recent three months of bank statements and your current debt schedule—these are the first items a lender will request for a soft-pull pre-qualification. Keep in mind that your final offer will depend on your specific business credit profile, recent revenue trends, and any collateral you can attach to the loan.

What changes your rate / answer

• Collateral: If you can secure the loan with equipment or accounts receivable, you are more likely to land on the lower end of the interest rate spectrum.
• Debt-to-Income Ratio: If your total existing debt payments already consume a massive portion of your monthly revenue, lenders may view the consolidation as too risky regardless of the interest rate.
• Credit History: A personal credit score above 680 significantly increases the odds of qualifying for the best business loan alternatives in 2026.
• Revenue Stability: Lenders prioritize businesses with consistent monthly deposits over those with "feast or famine" cycles, which often dictates whether you qualify for prime or subprime rates.

How to use this

• Input your current total: Enter the remaining payoff amount of your existing MCA or short-term loans, not just the original borrowed amount.
• Be realistic with rates: Merchant Cash Advances often have "factor rates" that equate to APRs well above 50% or 60%. If you aren't sure, estimate high to see the true cost of staying the course.
• Target rates: When inputting your target rate, use 12–20% for secured financing or term loans, and 20–35% for unsecured lines of credit. This gives you a realistic view of non-recourse working capital.
• Analyze the savings: Look at the 'Monthly Cash Flow' difference. This is the extra capital you’ll have available each month to reinvest in operations rather than servicing high-interest debt.

Bottom line

Debt consolidation is a tool to improve cash flow, not just to move debt around. If this calculator shows only marginal savings, focus on revenue growth rather than refinancing.