Franchise refinance and debt consolidation
Operators often accumulate several loans, equipment notes, and credit lines over time. Refinancing can combine them into a single facility with a different term or payment, which may improve monthly cash flow. Whether it makes sense depends on your existing debt and what a new lender will offer.
Why operators refinance
- Combine several payments into one
- Extend the repayment term to lower the monthly payment
- Replace short-term or higher-cost debt
- Free up working capital for growth
What lenders look for
Lenders generally want to see that the refinance provides a meaningful benefit to the business, such as a lower payment or better cash flow, and that the business can support the new debt. They will review your current debt schedule, payment history, and financial statements.
Getting started
Start by listing every loan you want to address: lender, balance, rate, payment, and maturity. Our application includes a store roster and debt schedule template that puts this in the format lenders expect.
Frequently asked questions
- Can I consolidate multiple business loans into one?
- Often, yes. Eligible business debt can sometimes be refinanced into a single loan. Whether it works depends on the debts involved, your cash flow, and the lender's requirements.
More answers on our full FAQ, or see how the process works.
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Branch Capital Group is a loan brokerage, not a lender. It does not make credit decisions or set loan terms; those come from the funding lender. Information on this page is general and educational, and program rules and lender requirements change.