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    SmarterLends
    Free Tool

    Business Debt Consolidation Calculator

    If you're juggling multiple business loans — especially MCAs or high-APR credit cards — consolidation can lower your monthly payment and total interest. This tool tells you by how much.

    Your current debts

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    NameBalanceAPRMonthly

    New consolidation loan

    15.0%
    6.0%30.0%

    Your current weighted average is 43.3%.

    48 mo
    12 mo84 mo
    Monthly savings
    $3,471
    You'd free up $3,471/mo in cash flow.
    Side-by-side
    Total balance
    $65,000$65,000
    Monthly payment
    $5,280$1,809
    Avg APR
    43.3%15.0%
    Total interest
    $25,000$21,832
    Lifetime savings
    $3,168

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    How this calculator works

    1. 1

      List each debt: balance, APR, and current monthly payment. Add as many as you have.

    2. 2

      Enter the APR and term of the consolidation loan you'd qualify for (use our Funding Readiness Score if you're not sure).

    3. 3

      We compare your total monthly payment and total interest to what you'd pay under the new loan, and show your monthly cash-flow savings.

    Numbers look good?

    See what your business actually qualifies for. It won't impact your credit score.

    Frequently asked questions

    When does consolidation actually save money?▾

    When the new loan's APR is lower than the weighted average APR of your existing debts. The longer the new term, the lower the monthly payment — but you may pay more total interest if the rate isn't significantly better.

    Should I consolidate MCAs?▾

    Almost always yes if you can qualify for a term loan. MCA effective APRs often exceed 60–80%, and the daily holdback strangles cash flow. Consolidation into a 3- to 5-year term loan can free up significant working capital.

    Will consolidation hurt my credit?▾

    Short-term, slightly — the new loan inquiry and account dings credit by a few points. Long-term, lower utilization and on-time payments usually improve your score.