Skip to content

Business debt consolidation

Compare business debt consolidation options

One facility and one repayment in place of several business debts, for owners juggling multiple lenders.

Business debts only. We do not arrange consolidation of personal or household debts.

Compare my options Call (02) 8310 8516

An enquiry is a conversation, not an application. We won't submit anything to a lender without your say-so.

Business owners reviewing loan documents together at an office desk
  • Business debt consolidation
  • Several debts into one facility
  • One repayment to manage
  • Compare the options
  • Business-purpose finance

The basics

How does business debt consolidation work?

A lender advances a single facility that pays out your existing business debts. Those balances close, and you owe one lender one repayment instead of several. The new lender assesses your whole position, and security may be required for the sharpest pricing.

The mechanism matters because it explains what consolidation can and cannot do. It does not reduce what you owe; it replaces the terms you owe it on. Whether that saves money depends on whether the new price across the new term costs less than the old prices across their remaining terms. Sometimes it is a large saving; sometimes it is not a saving at all, and a longer term can lower the repayment while the total grows. The point is to look at the total, not just the repayment (section 5 below). What it always buys is one repayment on one day, a cash-flow position you can actually forecast.

Business owner calmly reviewing finances at an organised desk
Compare my options

What business debts can you consolidate?

Commonly business loans, merchant cash advances, lines of credit, equipment finance and ATO arrears, provided every debt is business-purpose. What cannot be included is personal or household debt. Each lender decides for itself which debts it will pay out, so the list below is the shape of what is usually possible, not a guarantee that any particular balance can be included.

  • Business loans and short-term advances*

    The most common starting point. Several facilities taken at different times, at different prices, often with overlapping repayment days.

  • Merchant cash advances*

    Frequently the dearest thing a business is carrying, and the most common reason this page gets read. If daily settlements are being taken before you see them, this is the debt to look at first. See the merchant cash advance page for how those are priced.

  • Business lines of credit and overdrafts*

    A drawn limit is a debt like any other and can generally be paid out. Whether you should close the limit or keep it available is a separate decision worth making deliberately.

  • Equipment and vehicle finance*

    Possible, and it is more involved than the others: the financier holds an interest in the asset, so the payout has to deal with the asset as well as the balance.

  • ATO and BAS arrears*

    Often, though it depends on the lender. See the next section.

  • Not: personal or household debt*

    Personal credit cards, home loans and household debts are consumer credit and cannot be included. We arrange business-purpose finance only.

Indicative only. Each lender on our panel decides which debts it will pay out and on what terms, and none of this is an assessment of your position, a pre-approval or a promise of any outcome. Personal and household lending is consumer credit regulated under the National Consumer Credit Protection Act 2009 (Cth). We do not arrange it.

Can you consolidate ATO and BAS tax debt?

Often, yes. Some lenders will include tax arrears in the balances a consolidation facility pays out, and some will not. It depends on the lender and on your overall position. Structurally it works the same way as any other debt: the facility clears the balance, and you owe the lender instead of the ATO.

That last sentence is the whole structural point, and it is worth sitting with, because it is what most of the pages competing for this search do not say. Consolidating tax debt does not make it go away. It changes who you owe and on what terms. The amount does not shrink. What changes is the contract behind it: a commercial facility with a rate, a term and a schedule, in place of an arrears balance owed to the tax office.

Whether that is an improvement is a real question with a real answer, and it is not one we can answer for you on a web page, because half of it is not a finance question at all.

Here is the honest division of labour.

What we can help with is the finance half: what a consolidation facility would cost you, across its whole term, in dollars. That is arithmetic on numbers we can see, and section 5 sets out exactly how to do it.

What we cannot help with is the tax half: what it costs you to leave the balance where it is. That cost is set by tax law, not by us and not by any lender, and it turns on your own circumstances. That is a question for your accountant and for ato.gov.au, and we will not characterise the answer here. Anyone giving you a confident figure for it on a marketing page is telling you about a rule that may have changed, in a situation that is not yours.

You cannot compare the two halves until you have both. That is the actual advice on this page, and it is why we would rather you spoke to your accountant before you spoke to us than the other way around.

What this means in practice, if you are carrying tax arrears

Get the balance and the arrangement in front of you first. You cannot compare anything without knowing exactly what is owed and what, if anything, you have already agreed with the ATO about it. If an arrangement exists, its terms are part of the comparison, and they are yours to obtain: we cannot see them.

Take your accountant's view on what carrying it costs you. This is the number that decides whether the exercise is worth doing, it is a tax question rather than a finance question, and your accountant already knows your position. We are not being coy: it is genuinely outside what a broker knows about you.

Then the finance half is arithmetic, and we will do it in writing. What a facility would cost over its full term against what the same balance costs you sitting where it is. If it does not improve your position, we will tell you that, and you will have lost nothing but a conversation.

Paying out an arrears balance settles that balance. It does not change anything about future periods, and it is not a substitute for the ongoing obligations that produced the arrears in the first place. If the underlying problem is that the business is not generating enough to meet what it owes as it falls due, a facility that clears the backlog and leaves that unchanged has bought time rather than solved anything. Time is sometimes exactly what is needed. It is worth being clear with yourself about which one you are buying.

And if lodgement itself is behind, start there. A lender assessing your position needs to see it, and so do you. Your accountant is the first call, not us.

Will consolidating actually save you money?

Sometimes substantially, and sometimes not at all. The saving is real when you are replacing dear short-term debt with one sensibly priced facility. It disappears when a longer term quietly turns a lower repayment into a higher total. The only way to know which is yours is to compare the whole cost of both, not the monthly repayment. Here is how.

Compare these lines, in both columns, before you decide anything:

A method for comparing the cost of what you are carrying now against a consolidation facility
Cost line What you are carrying now What you would carry after
Number of facilitiesSeveral, each with its own contractOne
Interest costA different rate on each balance, so your real cost is a blend of all of themOne rate across the whole balance
Repayment frequencyOften mixed: monthly, weekly, sometimes daily on card settlementsOne repayment on one schedule
Term remainingWhatever is left on each. Short-term debt is nearly finished, which is part of its costA new full term, and it is usually longer than what is left on the debts it replaces
Fees to get outPayout figures can include early termination or exit fees on the old facilities. On some structures a fixed fee does not fall away when you repay earlyNot applicable
Fees to get inNot applicableEstablishment or application fees on the new facility, and possibly a valuation if it is secured
SecurityWhatever is already pledged or held under each facilityThe new lender's requirement, which may be more than the sum of what is there now
The number that decides itTotal dollars still to pay across all facilities, including any exit feesTotal dollars to pay across the new facility's full term, including its fees
The number that will mislead youYour current total monthly outgoingsThe new monthly repayment

Rates, fees, terms and payout figures are set by each lender and vary by lender and by facility. This table is a method for comparing your own numbers. It is not a comparison of any particular offer and it does not describe any outcome you should expect.

Why the repayment falling is not the same as saving money

Because a repayment is a rate and a term. Change the term and the repayment moves without the cost moving at all. Stretch it far enough and the repayment can fall while the total you hand over rises. Both of those things are true at the same time, and only one of them shows up on your bank statement each month.

That is not an argument against consolidating. It is an argument for looking at the right number. A lower repayment has real value if what you need is to survive a quarter, keep staff, or stop daily settlements being taken before you see them. Buying breathing room and paying for it is a legitimate decision. Buying breathing room while believing you saved money is not a decision at all: it is a surprise waiting for you at the end of the term.

The two lines people miss are both fees. What it costs to get out of the old facilities, and what it costs to get into the new one. A payout figure is not the balance you think you owe: it can include exit costs, and on some structures a fixed fee does not reduce just because you are repaying early. Those costs come off the saving, and they come off it before you have saved a cent. We get the payout figures in writing precisely so that this part is not a guess.

And the case where the answer is genuinely no. If your debts are already reasonably priced and reasonably structured, and the problem is simply that there is too much of them for what the business earns, consolidation will not fix that. It will re-shape it, buy time, and cost fees. Sometimes time is what is needed and that is a fair trade made with open eyes. Sometimes the honest answer is that finance is not the tool, and we would rather tell you that than arrange something that makes next year worse. That answer costs us a commission. It is still the answer.

Read more on the benefits of consolidating loans, or send us the list and we will do the arithmetic.

How it works with a broker

This process has one step the others do not, and it is the one that decides whether the exercise is worth doing.
Business owner working through statements and receipts with a calculator

  1. You list what you are carrying.

    Every business facility, its balance, its repayment and how often it is taken. Bring the ugly ones. A list that leaves out the dearest facility produces a comparison that is wrong in the direction that hurts you, and we have seen the same three products enough times that nothing on your list will surprise us.

  2. We get the payout figures.

    This is the step that matters and it is why the arithmetic on this page is not a guess. A payout figure is what it would actually cost to close each facility today, which is not always the balance you think you owe: it can include exit costs. We get those figures in writing, from your existing financiers, before we compare anything.

  3. We compare, honestly.

    Total cost of what you are carrying, against total cost of what a consolidation facility would be across its full term. In writing, with the fees on both sides included. If it does not improve your position, that is what the comparison will say, and we will say it.

  4. You decide, then we arrange it.

    If you want to proceed, we take it to the lenders whose appetite fits your position and handle the payouts and the paperwork. Keep meeting your existing repayments until each facility is actually paid out and closed: nothing is settled until it is settled, and a missed payment in the meantime is a real problem on a file that does not need one.

Approval, amounts, interest rates, fees and timing are decided by the lender, not by us, and are subject to that lender's credit criteria. Payout figures are provided by your existing financiers, not by us.

Compare my options

What lenders typically look for

A consolidation lender is assessing something the others are not: not just whether you can repay, but whether the position improves once the old facilities are gone. Each lender sets its own criteria and applies them to your file. What follows is the shape of what is usually assessed, so you know what to have ready. It is not a checklist you can pass.

  • The full picture, not the good half*

    Every facility, including the dearest and the most recent. A lender that finds a facility you did not disclose has learned something about the file that is worse than the facility.

  • Servicing after consolidation*

    The question is whether the business can meet one consolidated repayment out of trading. That is a different question from whether five separate ones are all being met. Being visibly stretched is the reason you are here, and lenders assessing consolidation know that.

  • Recent business bank statements*

    Usually supplied directly or through a read-only data feed. On this page they do more work than anywhere else: they show what is actually being drawn, by whom, and how often.

  • Security, if you want the sharpest pricing*

    Equity in property generally prices a consolidation best, because it is the lowest-risk structure available. It is not required by every lender, and it puts the asset at risk. See the secured business loans page before you offer anything.

  • Conduct on the facilities you already have*

    Lenders look at how the existing debts have been handled. Missed repayments are a factor and they are assessed differently by different lenders. They are not automatically an answer.

Indicative only. Each lender on our panel sets and applies its own credit criteria, and none of this is an assessment of your position, a pre-approval or a promise of any outcome. Meeting every point here does not mean a lender will approve you, and missing one is not always fatal. That is the conversation to have with us.

Compare my options

Industries

Industries we help fund

Whatever you do, the finance that fits depends on how your business actually trades. These are some of the industries we arrange funding for, each with its own guide.

Lenders on our panel

Customer stories

What business owners say about 121 Brokers

  • 5 out of 5

    Cash flow in retail is lumpy, so a line of credit made far more sense for me than a lump-sum loan. I draw down when stock orders are due and pay it back after the season sells through. Having that buffer sitting there has taken so much stress out of running the shop. Only wish I'd set it up years ago.

    Priya S. Retail store owner, Sydney NSW
  • 5 out of 5

    My biggest client pays on 60-day terms and it was slowly strangling my payroll. Invoice factoring let me get most of the money up front instead of waiting two months. Now I can pay my contractors on time and take on bigger projects without sweating the gap. It changed how I run the business.

    Sophie L. Marketing agency founder, Melbourne VIC
  • 4 out of 5

    A merchant cash advance worked well for me because repayments flex with my daily card takings. Quiet week, I pay less; busy week, I pay more. It suited the ups and downs of a restaurant far better than a fixed loan. Would have given five stars if the initial paperwork had been slightly quicker, but no real complaints.

    Ahmed R. Restaurant owner, Perth WA
  • 5 out of 5

    Events is feast or famine and I needed working capital to lock in venues and suppliers before deposits came in. They looked at the whole picture of my business, not just a credit score, and got me a fair deal fast. Being treated like a partner rather than a file number made all the difference.

    Rebecca H. Event planning business owner, Gold Coast QLD
  • 5 out of 5

    Kitted out my whole new studio floor with an equipment loan, rowers, bikes, weights, the lot. Approval was quick and I didn't have to drain my savings to do it. The repayments are comfortable and the gear is already paying for itself in new memberships. Really happy with the service.

    Natalie W. Boutique fitness studio owner, Sydney NSW
  • 4 out of 5

    Factoring smoothed out the gap between paying my suppliers and getting paid by my stockists. It freed up a serious amount of working capital that had been locked in unpaid invoices. The process was clear and the fees were transparent, which I appreciated after some bad experiences elsewhere.

    Vikram P. Wholesale distributor, Sydney NSW
  • 5 out of 5

    Setting up a line of credit gave me the flexibility to cover slow months and jump on stock deals when they came up. I only pay for what I use, which is exactly what a small salon needs. The broker took the time to walk me through everything and never made me feel like a small fish.

    Laura K. Hair salon owner, Canberra ACT
  • 5 out of 5

    We needed significant funding to renovate and meet new compliance standards. A secured loan over a longer term made the repayments achievable without cutting staff. Throughout the whole process I felt genuinely supported and never pressured. Highly recommend them to any owner needing serious capital.

    Amanda J. Childcare centre owner, Perth WA
  • 5 out of 5

    Needed a new fleet ute fitted out with racking and tools of trade. The equipment loan covered the vehicle and the fit-out in one tidy package. Fast, fair and no runaround. As a tradie who doesn't have hours to spend on paperwork, that speed is worth a lot.

    Chris D. Electrical contractor, Adelaide SA
  • 4 out of 5

    Ahead of the Christmas rush I needed to buy inventory in bulk. A merchant cash advance let me stock up and repay as sales came through my payment terminal. It matched my revenue perfectly. Slightly higher cost than a standard loan, but for the flexibility and speed it was worth it for me.

    Olivia N. E-commerce store owner, Gold Coast QLD
  • 5 out of 5

    Refurbished the shopfront and added a coffee station with an unsecured loan. No property put on the line, funds through quickly, and the repayments were set at a level I could actually sustain. The whole team was patient and explained every figure. Couldn't ask for more.

    Hassan A. Convenience store owner, Sydney NSW
  • 5 out of 5

    Flowers are seasonal and perishable, so I needed finance that moved with me. A line of credit lets me buy heavily before Valentine's and Mother's Day and pay it back once the flowers sell. It's the perfect tool for a business like mine. Friendly, no-nonsense service too.

    Isabella M. Florist, Adelaide SA
  • 5 out of 5

    Opened a second location using a secured loan and the longer repayment term meant the new site could find its feet without crippling cash flow. The broker was upfront about every cost. I've since recommended them to two other gym owners in my network.

    Ryan H. Gym owner, Perth WA
  • 5 out of 5

    A commercial oven isn't cheap, and financing it instead of buying outright kept my cash free for ingredients and staff. The equipment loan was approved fast and the repayments are very manageable against the extra bread I can now bake. Lovely people to deal with.

    Chloe T. Bakery owner, Hobart TAS
  • 4 out of 5

    The card-linked repayments of a merchant cash advance suited my salon's daily takings really well. Quieter weeks didn't feel like a burden. The advance let me renovate two treatment rooms. Approval was quick and the team was upfront about the total cost, which I respected.

    Fatima K. Beauty and spa owner, Melbourne VIC
  • 5 out of 5

    Needed a large sum to bring a production line in-house. A secured loan gave us the amount we needed at a rate that made the investment stack up. The payback period is already looking shorter than projected. Serious funding handled by people who took us seriously.

    Anthony G. Manufacturing business owner, Wollongong NSW
  • 5 out of 5

    Fitted out a mobile grooming van with an unsecured loan and it's doubled my bookings. The application was refreshingly simple and the money came through fast. Being able to grow without putting my home on the line meant a lot to me as a sole operator.

    Hannah P. Pet grooming business owner, Brisbane QLD
  • 5 out of 5

    Agriculture has long cash cycles and most lenders don't get that. This team structured a secured loan around my harvest and sales calendar so repayments land when the money actually comes in. Thoughtful, tailored and patient. Exactly the partner a small producer needs.

    David S. Vineyard and cellar door owner, Barossa SA
  • 5 out of 5

    My clients are lovely but slow to pay, and factoring solved that overnight. I now get the bulk of each invoice straight away and can pay my suppliers and myself without stress. It turned a constant cash-flow headache into a non-issue. Wish I'd done it sooner.

    Zoe A. Interior design studio owner, Sydney NSW
  • 4 out of 5

    Financed a new pressure system and a fit-out for a second bay through an equipment loan. Quick approval and fair terms. Took one extra day to finalise than I hoped, but the broker kept me informed the whole way, so I never felt in the dark. Solid experience overall.

    Nathan B. Auto detailing business owner, Gold Coast QLD
  • 5 out of 5

    Even a professional services firm has cash-flow timing issues around tax season. A line of credit gives me a buffer to cover wages when client payments bunch up. Everything was transparent and the ongoing support has been excellent. I recommend them to my own clients now.

    Sarah V. Accounting practice owner, Melbourne VIC
  • 5 out of 5

    Wholesale fashion means big orders and long waits for payment from retailers. Factoring gave me the cash to fund the next production run without waiting. It's let me scale far faster than I could have otherwise. Clear terms, quick funds, genuinely helpful people.

    Aisha N. Fashion label owner, Sydney NSW
  • 5 out of 5

    New fermentation tanks and a canning line don't come cheap. Financing the equipment let me expand capacity while keeping working capital for hops and wages. The term matches the gear's lifespan and the whole thing was sorted quickly. Couldn't be happier with the outcome.

    Liam K. Craft brewery owner, Adelaide SA
  • 5 out of 5

    Buying out a retiring partner required a substantial sum. A secured loan over a sensible term made the buyout affordable without straining the practice. The broker handled the complexity calmly and kept everything transparent. A big, stressful transaction made a lot smoother.

    Megan D. Dental practice owner, Perth WA
  • 5 out of 5

    Upgraded all my camera and lighting gear ahead of a fully-booked season with an unsecured loan. Simple application, fast funds, and repayments I can meet comfortably from bookings. As a creative sole trader, being treated seriously and quickly meant a great deal.

    Jessica L. Wedding photography business owner, Byron Bay NSW
  • 5 out of 5

    Financed a new tipper and safety gear for a bigger crew. The equipment loan was fast and the repayments are set against the extra jobs it lets us take. These brokers speak tradie and don't waste your time. Already planning to use them for the next vehicle.

    Cameron H. Roofing contractor, Brisbane QLD
  • 5 out of 5

    A line of credit gives me breathing room across the quieter months without committing to a big loan. I dip in when I need to and repay when classes fill up again. Low stress, flexible, and the team explained it all so clearly. Perfect fit for a small studio.

    Ingrid S. Yoga and wellness studio owner, Sunshine Coast QLD
  • 5 out of 5

    Big commercial clients pay slowly and I have wages due weekly. Factoring bridges that gap perfectly, I get paid on my invoices in days, not months, and my staff always get paid on time. It's the single best decision I've made for the cash flow of the business.

    Robert T. Commercial cleaning business owner, Melbourne VIC
  • 4 out of 5

    Used a merchant cash advance to stock up before a big local festival. Repayments came out of card sales so it never felt like a heavy fixed cost. It paid off well. The process was quick and honest about the total repayable, which is all I ask for.

    Yasmin A. Homewares boutique owner, Adelaide SA
  • 5 out of 5

    Needed heavy capital for a new loader and a longer term to match how the work comes in. The secured loan did exactly that at a rate that made sense. Straightforward, no hidden fees, and the money was ready when I needed to move. Highly recommended for plant purchases.

    Gavin P. Earthmoving contractor, Ballarat VIC
  • 5 out of 5

    Financed a new hoist and wheel aligner. The equipment loan let me offer services I couldn't before, and the extra work already covers the repayment. Fast approval and a broker who actually understood the trade. Can't fault the experience at all.

    Bradley O. Mechanic and tyre shop owner, Darwin NT
  • 5 out of 5

    Catering means paying for stock and casuals before the client pays me. A line of credit covers that gap for every event and I clear it once I'm paid. It's taken the fear out of taking on bigger functions. The flexibility is exactly what my business runs on.

    Caroline W. Catering business owner, Perth WA
  • 5 out of 5

    Expanding the growing area and adding a café needed real money. A secured loan over a long term made it work without breaking the weekly budget. Everything was transparent and the support has continued well past settlement. A true partner rather than just a lender.

    Holly N. Nursery and garden centre owner, Bendigo VIC
  • 4 out of 5

    Pre-season stock for a surf shop is a huge outlay. A merchant cash advance let me buy up and repay from card sales as summer rolled in. It matched my seasonal takings really neatly. Slightly pricier than a term loan but the flexibility earned its keep.

    Dylan K. Surf and skate shop owner, Torquay VIC
  • 5 out of 5

    Financed new diagnostic equipment so we could offer more in-house services. The loan kept our cash reserves intact for staffing and the repayments are covered easily by the new revenue. Smooth, quick and professional. The clinic is better for it and so are our patients.

    Renee M. Medical clinic owner, Cairns QLD
  • 5 out of 5

    Invested in a proper course platform and a marketing push using an unsecured loan. Enrolments have more than covered the repayments. The application was quick and entirely online, which suited how I run everything. Fast, modern and easy to deal with.

    Tara L. Online education business owner, Sydney NSW
  • 5 out of 5

    In recruitment I pay contractors weekly but clients pay me monthly. Factoring closes that gap entirely, I draw on my invoices and never miss a contractor payment. It removed the single biggest strain in my business. Clear, fast and dependable. Highly recommend.

    Bianca H. Recruitment agency owner, Brisbane QLD
  • 5 out of 5

    Financed a second vessel to grow the charter side of the business. The boat loan was structured around the tourist season so repayments ease off over winter. They understood a marine tourism operation better than my bank ever did. Smooth sailing from enquiry to funds.

    Wayne D. Boat charter operator, Airlie Beach QLD
  • 5 out of 5

    A full refit of the spa needed a serious sum, and a secured loan over a longer term made it affordable. Bookings have climbed since the makeover and the repayments sit comfortably within that. Transparent, patient and genuinely invested in seeing the business do well.

    Elena K. Day spa owner, Noosa QLD
  • 5 out of 5

    Started my second van with an equipment loan covering the fit-out and machine. Approval was quick, the terms were fair, and the van was earning within a fortnight. For a small operator chasing growth, having a broker who moves fast is everything. Couldn't recommend them more.

    Josh P. Mobile coffee van owner, Perth WA

Testimonials reflect individual customers' experiences. Outcomes vary and depend on the lender and your circumstances.

121 Brokers Pty Ltd (ABN 37 674 323 712) is a finance broker, not a lender. We arrange finance through third-party lenders. Approval, interest rates, fees, timing and the funds themselves are set and provided by the lender, not by 121 Brokers.

FAQs

Debt consolidation questions, answered straight

Will consolidating hurt my credit file?

We cannot promise you either way, and be sceptical of anyone who does. A new application is visible to lenders, and closing several facilities and opening one changes what your file looks like. Whether that reads better or worse depends on the file, the lender and what it is being read for. What is certain is that missed repayments do not help, whatever you do next.

The more useful way to think about it: your credit file is a record of how you have handled credit, and consolidation is a change to what you are handling. A single facility being met on time is a straightforward thing for a future lender to read. Five facilities, two of them dear and one of them behind, is not. But that is a description of a mechanism, not a prediction about your file, and anyone predicting your file has not seen it.

If the file itself is the thing worrying you, the impact of credit scores on business loan approval is worth reading before you apply for anything.

Do I need security to consolidate business debts?

Not always. Some lenders will consolidate business debts without an asset pledged, and some will not. What security changes is the price and the size of what is available: equity in property generally prices a consolidation best because it is the lowest-risk structure a lender can write. It also puts that asset at risk, which is a real decision.

If you have equity and you are considering offering it, read secured business loans first. It sets out what pledging an asset actually buys you and what happens if it goes wrong. That page exists so that this one does not have to make the case in two paragraphs.

Can I consolidate if I have missed repayments?

Possibly. Lenders assess arrears differently from one another, and a consolidation lender is looking at whether your position improves once the old facilities are gone, not only at how the old ones have gone. Missed repayments are a factor, not automatically an answer. We cannot tell you that you will be approved: that is the lender's decision, on its criteria, on your file.

What helps is telling us first. A file we understand before we place it is worth more than a surprise at assessment, because we can approach the lenders whose appetite fits it rather than burning approaches on lenders whose does not. And if repayments are being missed right now, talking to your existing financiers early is worth doing regardless of what happens with us. Early is a conversation about options.

View all FAQs

Send us the list. We will do the arithmetic.

Every facility, every balance, every repayment. We will get the payout figures in writing and show you what consolidation would actually cost and actually save, across the whole term. If the answer is that you are better off leaving it alone, that is what the numbers will say and that is what we will tell you.

Compare my options Call (02) 8310 8516

An enquiry is a conversation, not an application. We won't submit anything to a lender without your say-so.

Get your funding options

Cookie preferences

Choose which cookies we can use. You can change your choice at any time from the cookie settings link in the footer.

  • Necessary

    Required for the site to work and to remember your cookie choice. These are always on and cannot be switched off.

  • Analytics

    Help us understand how visitors use the site so we can improve it. We use Google Analytics 4 and Microsoft Clarity.

  • Advertising

    Let us measure our advertising and show you relevant ads on other sites. We use Google Ads and the Meta Pixel.