Business Debt Consolidation Calculator
Combine up to three business debts into a single loan. Enter each debt's balance, payment, and rate, then set your new loan terms to see your new monthly payment, your monthly savings, and the total interest — instantly.
How the debt consolidation calculator works
Business debt consolidation replaces several separate debts — loans, credit lines, merchant advances — with a single new loan. Instead of juggling multiple due dates, rates, and payments, you make one predictable payment each month. This tool adds up your balances and shows what that single payment would be under new loan terms.
where B is the total balance consolidated, r is the monthly rate (new APR ÷ 12 ÷ 100), and n is the number of months (new term × 12).
The calculator first sums your three balances and your three current monthly payments. It then amortizes the combined balance at your new APR over your new term to get the new payment. The difference between your current total payment and the new payment is your monthly savings. Finally, it estimates total interest on the new loan as the new payment multiplied by the number of months, minus the amount borrowed.
What affects your consolidation savings
- New APR — the lower your new rate compared with your current blended rate, the more you save.
- New term — a longer term lowers each payment but adds more months of interest.
- Existing rates — consolidating high-rate debt (like advances or cards) usually helps the most.
- Fees — watch for origination or prepayment fees, which reduce the real benefit.
Is consolidation right for you?
Consolidation shines when you are paying high rates on short-term debt and cash flow is tight. A single lower payment can free up working capital and simplify your books. But be careful: stretching a balance over a longer term can mean paying more interest overall, even while your monthly payment falls. Always compare the monthly savings against the total interest shown here, and check whether your DSCR improves. To model the new loan on its own, use the business loan calculator.
Frequently asked questions
How does business debt consolidation work?
You take out one new loan large enough to pay off several existing debts. You then make a single monthly payment on the new loan instead of several. If the new rate or term lowers your payment, consolidation frees up cash flow.
Will consolidating my debt save me money?
It can lower your monthly payment, especially if the new rate is lower than your current blended rate. But a longer term can raise the total interest you pay over the life of the loan, even while the monthly payment drops. Compare both numbers.
How is the new consolidated payment calculated?
The calculator adds up your existing balances, then applies the standard amortization formula to that total using your new APR and new term. The result is one fixed monthly payment for the consolidated loan.
Does a longer term always cost more?
Usually. A longer term spreads the balance over more payments, which lowers each payment but adds more months of interest. Estimated total interest on the new loan is shown so you can weigh lower payments against higher total cost.
Related calculators
This calculator is for educational and informational purposes only and does not constitute financial, legal, or lending advice. Estimates are based on the values you enter and standard amortization math. Confirm all terms, rates, and fees with a qualified lender before making decisions.